Date Received: 2018-11-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The phone representatives at Navient, I assume, did not have all the same information. Information on my student loans, depending on the phone rep., changed from time to time. The phone reps were very pushy on what repayment plan I would need, not clear on what each repayment plan was. The information each year from Navient, was not sent via email or mail sometimes and was not prompted to renew the repayment plan I was in, making me default at some points during the repayment process.
Company Response:
State: ID
Zip: 83651
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-02
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Navient have been charging hidden excessive fees for forbearance they issue to me. In addition, the principal of my debt is overstated. Just in a couple of years or so, my debt balance went from {$78.00} K to $ XXXX. All the explanations their agents give me on phone are evasive and not convincing. I requested all the promissory notes I have signed. They have not replied yet.
Company Response:
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-02
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have a large amount of student loan debt as I have tried several times to complete my degree program. My loan amounts are approx. {$70000.00} at this time. I started college in XX/XX/XXXX after I graduated high school and I did complete an XXXX Degree program. I have since enrolled in several XXXX Degree programs and have been unsuccessful in completing them. The financial aid departments and college recruiters never tell you the extreme levels of harassment that Naviant will take to get paid on their loans. I understand I that I owe the debt. I also understand that I have XXXX children and I work a full time job. My fiance and I are struggling to keep our rent paid and our electricity turned on at this point in our lives. XXXX of my children 's birthdays are coming up and XXXX is right behind that. It's difficult to explain to children that I couldn't buy them a birthday gift because I had to pay for degree that I actually never got. It's also difficult to explain to our landlord that we couldn't pay our rent for the same reason. I've done my best to pay {$50.00} a month for two years and I reviewed to find out that instead of paying that {$50.00} dollars toward the lowest or highest interest accruing loan, Navient was taking the {$50.00} and splitting into change across the several loans and making appear that my several payments I could make actually never had any impact at all while continuing to charge me interest on all of the loans. Over the last year I have made payments to loans when I could but the loans that had the lowest balances in an effort to actually pay off some of the loans before I die, as based on their payment allocation or payment options I will either never be able to pay the loans off or never be able to afford to pay the loans off. I do not know a person who can with my salary make payments to a loan of over {$2000.00}. I was notified last night, via XXXX XXXX, by a neighbor that I grew up beside that Navient had reached out to them. Let me be clear, I haven't seen or spoken to this woman for 15 years and Navient reached out to her to contact me about my student loans. Navient also reached out to my father, whom I haven't spoken to for over 10 years. I'm XXXX years old. I'm curious to why these people are being contacted in regards to my debt.I feel that this may be a violation of the FDCPA. I spoke with someone at Naviant last night, who stated that it's a form of " skip tracing '' which makes me feel like a criminal. Over student loan debt. She asked me to call again today to make a payment of {$50.00} to clear the past due history until XX/XX/XXXX. I plan to call to pay the {$50.00}, which takes {$50.00} from my grocery bill for this week. Which means my fiance and I will not have lunch for this upcoming week, but I understand this debt is important and I don't want to have any more calls to my friends or any acquaintances I may have listed from the " skip tracing ''
Company Response:
State: VA
Zip: 23139
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: My student loans are in default so I was sent the paperwork for the company to garnish my earnings. I responded to the letter with the claim that garnishing my earnings would cause undue financial hardship, I submitted my last 2 current check stubs ( {$810.00} & $ XXXX= {$1600.00} ) along with bills. Information that was not pertinent to determining my earnings ( my pay rate, employee ID # ) as well as my account # for my bills, VIN # for my cars were also blacked out this is something that I have done with previous hearings. I received a letter from the hearing officer stating my claim was denied because I put N/A for questions like spouse income when I clearly stated that I am SINGLE so a spouses income does not pertain to me, I also stated household total as 1 which is ONLY me so there was no other income to report. It also stated that I submitted something that appeared to be a car not payment form, the form clearly shows the make and model of the car along with the bank that I make payments to and the amount of the payment which is {$510.00} the only thing blacked out was my VIN # & account # both things that weren't relevant to what the bill was as well as the payment that is due monthly. I sent a copy of the front page of my lease agreement that states what my rent is monthly ( {$600.00} ) but the officer stated that it was a unsigned lease agreement, the page with our signatures DO NOT show what I pay a month so I did not include that page. I also included what I pay a month in car insurance for my vehicles ( {$160.00}, {$330.00} ) and the officers response was a sense of confusion like they had no idea why I was paying insurance for my vehicles and to date I have had to cancel the insurance on one of my vehicles because of the wage garnishment I could no longer afford it. I sent my electric bill which was over {$200.00} because it was doubled, my cell phone bill which is {$330.00}, cable bill {$230.00}, renters insurance {$25.00}, groceries/food {$200.00}, personal/clothing items/cleaning items were about {$130.00}. Even without adding all of my bills and only totaling my rent ( {$600.00} ), car note ( {$510.00} ), car insurance ( $ XXXX+ {$160.00} ), electric bill ( {$100.00} ) & household/food/clothing ( {$300.00} which is below the IRS standard of living for XXXX person which is {$630.00} a month ) which totals over {$1900.00} that my monthly income of {$1600.00} which is not guaranteed it is based off of a client showing up for XXXX XXXX & if not I get sent home that I COULD NOT AFFORD garnishment of my earnings and that it would cause undue financial hardship. My most recent check was only {$510.00} because the garnishment which totaled {$91.00} so I was unable to pay my car note of {$510.00} and had to get an extension with is going to cost me and extra {$98.00} so my note is now {$610.00} on top of having to pay {$650.00} for my rent! This garnishment has put me in a extremely bad financial position, I am in jeopardy of losing my car without an out since I could no longer afford the car insurance on my car that is paid for, nor can I buy a battery or tire for it because I have no extra money, all my bills are double and with my rent increase I may not be able to afford that as well something will have to go and then I won't be able to hold on to y job because I won't have a car. This happened because someone was more worried about vin # 's and account numbers being blacked out rather than my earnings & total of my bills!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: The majority of monthly repayment monies is going towards the interest with no monies being applied towards the principal at all in some cases. For example, 0 monies were applied to the principal for the months of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment posted on XX/XX/XXXX reflects a - {$10.00} principal payment and a - {$440.00} interest payment. The payment for XX/XX/XXXXreflects what I feel is a true calculated payment as - {$300.00} was applied to the principal and - {$140.00} for the interest. I believe there are discrepancies throughout the 13 years of history on these loans and reflects a gross inconsistency in the repayment of my loans.
Company Response:
State: NC
Zip: 28152
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
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: I have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have been making monthly payments on my student loans for the past 3 years. About every 4-5 months they would raise my payment and I wouldn't get any type of pre-notification. Every time this happened the only reason I found out the monthly payment went up is because I'd receive a call from there collection department stating I was behind on payments. I would then have to call Navient and go through several different departments/people to get my payment back to what it was. I recently lost my job and contacted Navient as soon as I found out I was losing my job/income. I was told there wasn't anything they could do for me and that my account would be sent to collections. I hadn't ever been late or missed a payment ( other than what they considered default when I wasn't aware my payment went up ). I called several times throughout the next few weeks as I didn't want to default as my parents were co-signers on my loans and were in no position to make the monthly payments either. Still after calling almost daily Navient refused to help me or give me options to prevent my loan from going into default. Two months after I lost my job I began getting phone calls from Navient from XXXX daily. I would speak to someone and told them again I lost my job and was more than willing to try and work with them. The only answer I ever received, was that I should contact family or friends to help me out until I could find a job. My parents also starting receiving threatening phone calls and actually remortgaged their home to bring the loan current. They both rely on SS to live month to month and agreed on a payment that was much more than they could afford but Navient again stated it was the only option. I just received a call from a collection agency on behalf of Navient again today. Seems as though my monthly payment was again raised and we are now once again considered delinquent because the payment sent in is different than what the new payment is. It has been three months and I just received a call that were behind. Again the new payment is something that myself nor my parents can afford. I called Navient immediately and was told I had a reduced payment applied to my account twice already so therefore I wasn't eligible for another. So once again Navient can't do anything to assist me and offered no solution to lower the payment. Instead I was told again that it would be reported to the credit bureaus and I would continue to incur late fees and higher interest rates on the balance due. Sallie Mae/Navient has done nothing but destroy my credit from the beginning!!! They reported to the credit bureaus in the beginning when I first started making payments, that no payments were being made and that I was in default. I had been making payments for a year and a half when this was being reported. Navient continues to be allowed to change payments and interest rates without informing the borrower and then blaming the government. I also haven't ever received the correct payment amount on my monthly statement. I also have two different interest rates as I have two loans with Navient. How is that they can charge higher interest rates on one loan over the other. My life is consumed by worry and regret from attending college and making the horrible decision of choosing Sallie Mae/Navient as my loan servicer. I would advise any future college students to steer very clear of anything Navient!!!!! I don't disagree that I owe for my student loans, however I do disagree with them being allowed to assess huge amounts of unnecessary interest and change monthly payments. I've already almost paid the original loan amount off in just the interest that I accrued in the last 3 years from the supposed default.
Company Response:
State: SD
Zip: 572XX
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The Company XXXX XXXX XXXX called my cell phone and harassed me at work and claim to have sent me a letter via mail. First they said I had a debt of XXXX with the irs from XXXX/XXXX, which was filed and accounted at the time. Second, the claimed debt is over 5 years old and the company could not validate the debt. The staff presented this to manager who was informed that they were sent a letter to cease and desist all phone calls and would only be permitted letters at this time. The debt has still not been validated and the company is being asked at this time to provide written proof of debt which it has failed to do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11357
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am a XXXX University XXXX XXXX XXXX ( XXXX ) alumni and was there from XXXX-XXXX. I am having what I think amounts to a financial crisis and could use your assistance. I received all federal loans for my XXXX education, as recommended by XXXX, never with any private loans. In XXXX-XXXX, I received federal student loans through the FFEL program. In XXXX and XXXX I received " direct '' federal students loans. My plan since graduation from XXXX in XXXX has been public service loan forgiveness. Everything has been by the book. I have been in income based repayment since then, working at qualified employers ( I have submitted several certification of employment forms to the PSLF folks and have been on track ), and never missed a payment. Thus I was expecting my current ~ {$280000.00} in XXXX school debt to be forgiven in approximately XXXX. I was on the phone with PSLF folks earlier today, just checking in that all was on track, and was told that the FFEL loans from XXXX and XXXX did not qualify for PSLF. This is ~ {$140000.00}. I was told that I could consolidate the FFEL loans to direct loans, but that I would then have to make 120 monthly payments all over. This would mean the last 7 years of IBR payments ( with interest accruing ) were a complete waist and I would have to start over. Thus {$140000.00} in loans I thought were going away in XXXX would be growing and not eligible for PSLF until XXXX at the earliest. This is a huge deal financially. I feel I have been completely XXXX financially. At no point was I made aware that FFEL loans were ineligible, not from XXXX, Navient ( my current loan servicer for the FFEL loans ) ; not until I called 7 years later and checked. If I had known to consolidate to direct loans in XXXX I would have done so, but now I have been making payments on the FFEL loans that are ineligible for PSLF. 7 years lost, which is probably multiple {$10000.00} 's.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: This involves a student loan. Navient changed my fixed interest loan to a variable interest loan ( on loans XX/XX/XXXX and XX/XX/XXXX ). The interest rate has increased from 0.001 % to 10.750 %. This occurred immediately after I paid off one of my loans. I was charged for the month of XX/XX/XXXX a total of {$73.00} in interest. I called the number on Navient 's web page ( XX/XX/XXXX ) and was transferred to XXXX. The operator indicated that she " didn't see '' the 10.750 % rate and had " no control over what Navient has on its website '' but that my " collector did. '' She also indicated that I " shouldn't rely '' on what's on Navient 's website and that it " wasn't up to date. '' Since the website shows my monthly payments, how much I must pay each month, and my payment history, this advice is XXXX. The operator then transferred me to XXXX XXXX where XXXX XXXX said she " didn't see '' the 10.750 % rate and had " no control over what Navient has on its website. '' When I indicated that the previous person claimed XXXX could correct the problem, she denied this and then berated me for being in debt -- in spite of the fact that I have been making the monthly payments as indicated on the Navient website. Though I did go into default during the beginning of the recent recession, I have been paying consistently on my loans since XXXX and have payed off most. I believe this is an attempt to keep me in debt in spite of my success in paying off my loans.
Company Response:
State: CA
Zip: 94619
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A