Date Received: 2018-11-01
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: XX/XX/XXXX : I was able to pay a pass due amount of {$69.00} but the monthly payment of {$130.00} is not doable since I am paying other private loans through them monthly of {$260.00} which soon will increase in XX/XX/XXXX. This amount is drafted every month on the XX/XX/XXXX. I would be paying close to {$400.00} a month, money I don't have after all my bills are paid. I tried to speak to them if they were able to place the loan under the same low-reduction program but they stated they could because of the type of loan. I asked them what type of loan it was and the rep stated it was a class loan. I told her I was never told of a class loan when I was being helped by the financial staff at the school. All they stated was I will be getting Private loans and Federal loans. Very general terminology of what the loans where. The rep in turn stated pretty much they didn't have to place me in any type of program when it came to private loans, they can just terminate the program period. I told her, all I was trying to do was to be able to pay my loans and be in good standing. I am trying to avoid non-payments because I cant pay all they are asking of me. I want to come to a middle ground with them where we both benefit from it.
Company Response:
State: TX
Zip: 78537
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
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: As per CFPB # XXXX - This is the REQUESTED UPDATED information XXXX is listing a number of student loans under the same Account #. XXXX, with an open date as of XX/XX/XXXX BY by Navient Solutions , Inc,
XXXX is listing a number of student loans under the same Account # XXXX with open dates as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
ALL OF THE above accounts are " incomplete '' without BALANCES, CREDIT LIMITS and with " UNKNOWN STATUSES ''
I suspect that they are duplicates that need to be DELETED or UPDATED with Balances, Credit Limits, and Current Status. It is unacceptable for a Credit Reporting Agency ( CRA Furnisher ) to have as a " status '' UNKNOWN when it is their duty to have one.
XXXX is listing a student loan under Account # XXXX with an open date of XX/XX/XXXX BY XXXX/NAVIENT.
Company Response:
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: When I first applied for Federal student loans they were through the US Department of education and one year they suddenly transferred my loans to Navient who later on transferred my loans to XXXX XXXX. The department of Education reported my loans being on the Public Service Loan forgiveness repayment plan, but when I was transferred to Navient they told me I qualified for public service loan forgiveness but my repayment plan was income based and after 10 years my debt would be forgiven if all payments were made on time every month. My payments would change from time to time and at times be very high as much as I paid for my home a month. I would call and talk to them about the different payment options and different employees would give me different information every time I called. One person said I did not qualify for loan forgiveness, one person said I did, one person said I was never on that forgiveness program, and one person would say how many years I have been in the program. It was very conflicting, I never know what to believe, and feel like in the end I am going to have paid back more than I had to or I have been struggling financially with high payments when I could have been paying lower payments. I have also went through the same situations at XXXX XXXX, Since then, I have had several loan management companies call me and tell me that I should not be paying anything or next to nothing. They tell me I am being taken advantage of and at the end of my 10years of repayment I will be denied forgiveness due to how my loan company goes about handling loans so that they can get more money back. No one in the loan companies told me that I had to refile for income based repayment every year using my tax information until last year. So I know for a fact that for a few years I have been overpaying on my loans when it comes to monthly payments all because they didn't tell me I had to re-apply every year. And another thing, is that I have been shuffled through the system with everything out of my control with my loans being passed off from the US department of Education to Navient and then to XXXX XXXX. Its ridiculous! I should have been able to take my loans out with one company and stay with that company through repayment and be given consistent information throughout. It is so easy for student loan companies to take advantage of people, because all we know is that we have to pay what they tell us to until our debt is paid in full or its forgiven. Please investigate for me and help as much as you can.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: hello, I have been working with Navient on a lower payment plan. This is now my second time dealing with this same issue which was actually handled by CFPB last year. I spoke with a woman named XXXX at XXXX ( ext : XXXX ) on XX/XX/18 and we discussed numerous financial struggles I am currently facing. They had me set up on a rate reduction plan originally for $ XXXX/month which with debt/income ratio, it was putting me negative every month. At the time, the IRS depleted my bank account, my finance left me, and my co-signer passed away. On top of all of that, my parents went homeless. She was able to set up a lower plan. I have three loans : loan # XXXX, XXXX, XXXX. For # XXXX, we set up a forbearance ( {$50.00} ) until the end of XX/XX/XXXX ( confirmation # XXXX ) and for loan # XXXX & # XXXX, she set up a monthly payment for {$220.00} ( XX/XX/XXXX-XX/XX/XXXX) with a payment of {$78.00} what would be deducted for the month of XXXX XXXX. ( confirmation # XXXX ). This was a plan that I could work with. As of today, I received a phone call stating that said my program was not set up right, there was an error, it was not done right .... and I had no option but to pay another {$100.00} a month. A supervisor ( XXXX ) I believe her name was XXXX or close to that ( we spoke at XXXX ) said that XXXX set up the program wrong and that there was nothing else they could do. She quoted, " oh, XXXX did not set this up right ''. If a company makes a mistake, isn't it on them to try to make the customer comfortable not try and blame the problem on the customer?? Ironically, when asked to speak with XXXX, I was told " she no longer works for this dept ''. I am getting frustrated because every time I set up a rate reduction plan with this company something happens on their end and some how it's on me to come up with the difference. I need help because I can't afford to go negative again or destroy my credit because of ONE more mistake that they made on their end. I just don't understand why I have to pay more for a mistake that way made on their end. I don't feel valued with this company and I feel like they don't respect or care about their customers. Please help me.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I was contacted by XXXX XXXX XXXX stating that I owe a student loan debt. They have no paperwork as to how they arrived at this astronomical sum. I requested paper work and they said they would send it. They did not and proceeded to garnish my wages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir/ Madame My name is XXXX XXXX , I am writing in regards to Navient/ XXXX XXXX XXXX from whom Ive been trying to obtain the original signed promissory notes/ loan documents for student loans I supposedly signed for. After finishing my studies in XX/XX/XXXX from XXXX XXXX in Florida, I contacted Sallie Mae to consolidate my student loans and my loans were consolidated. After graduation, I worked for a time and I became unemployed. I reached out to XXXX XXXX to apply for hardship deferment, but I never received a response from XXXX XXXX in regards to my requests. After several attempts, I received a phone call from a company who identified themselves as Navient/ XXXX XXXX XXXX . They stated, they were the owner of my student loan and all payments going forward will go to them. I requested for them to provide the original signed promissory notes /loan documents to verify they were in fact the company that service said loan. From XX/XX/XXXX until present day Navient/ XX/XX/XXXX has not provide any such documents. I have contacted Navient/ XX/XX/XXXX several times in regards to my student loan, so that I will have an option to have the loan with an estimated balance of {$15000.00}, place in deferment due to inconsistent employment ; however, I was told the loan will be place in Forbearance instead of Deferment. I provided Navient/ XXXX XXXX XXXX documents stating that I was unemployed and was receiving government assistance, so I should be automatically qualified for Deferment ; instead I was told I was not eligible and the loan will be sent to Default. I have made several follow up calls indicating I was still unemployed, and sent Certified Letters to Navient/ XXXX XXXX XXXX requesting to have the loan place in deferment and provide the original signed promissory notes/ loan documents, but I never received any response to my requests instead I received several e-mails and letters demanding payments. Upon review of my credit reports, I was stunned to find out not only do I have several loans totaling {$83000.00} along with my original consolidated student loan of {$15000.00}. In addition, I filed my XX/XX/XXXX taxes and did not receive a return. I contacted the Internal Revenue Service inquiring about my return ; I was told the money was taken by the US Department of Treasury via a request of the Department of Education/ Default Offset Unit. I never received a letter from Navient/XXXX XXXX XXXX stating that I was in default on my student loan. I called the XXXX XXXX XXXX/Default Offset Unit in reference to the tax off set. I was informed that they sent a letter to XXXX, VA stating that my money will not be granted due to my defaulted loans. When I asked which address the mail was sent to, they were unable to provide that information. I am currently homeless and dont have a place to stay. Upon further inquiry on how to get the money back, I was told unless I am in Foreclosure or Evicted from my apartment that the funds will not be reimbursed to me. I asked the representatives, which I have their first name and Id numbers, if I can speak to a Supervisor or someone in management in order to have the funds return until I can resolve the issues of obtaining the original signed promissory notes/ loan documents stating that I was in truth the holder of {$83000.00} in student loans, which I believe is fraudulent and are not my student loans. Ive tried on several occasions to reach upper management at Navient and XXXX XXXX XXXX but I was unsuccessful. I was told by call representatives at XXXX XXXX XXXX that upper managements do not pick up calls nor answer questions. I am requesting your assistance to resolve this matter in regards to said loans to obtain the original signed promissory notes/ loan documents, as well as removing all those fraudulent loan accounts from my credit reports. I would like to have Navient and XXXX XXXX/ Offset Default Unit to dismiss my alleged loans, if they can not provide me the original signed promissory notes/ loan documents. It is severally affecting my ability to find work or complete a security clearance due to these loans that are under my name and credit reports. I will like to request the return of my XX/XX/XXXX tax refunds that was off set from The US Treasury Department to the XXXX XXXX XXXX, so I can begin the process of getting back on my feet. I am in the process of filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Navient and XXXX XXXX XXXX. The individuals I spoke with at the XXXX XXXX XXXX as listed below by First name and ID number. XXXX Id # XXXX XXXX Id # XXXX XXXX Id # XXXX XXXX Id # XXXX XXXX XXXX Id # XXXX XXXX XXXX UPPER MANAGEMENT Sincerely, XXXX XXXX Service List XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX Attention : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX NAVIENT XXXX XXXX XXXX XXXX, PA XXXX CONSUMER FINANCIAL PROTECTION BUREAU PO BOX XXXX XXXX, IA XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX G XXXX XXXX. XXXX, D.C. XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX. XXXX, D.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX, D.C. XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, D.C. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2018-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: In XXXX, I co-signed for a loan for my mother. I signed once, however, I believe multiple disbursements and loans were taken out without my consent. Additionally, the interest rate for this loan is variable and currently sits at 14.75 %. I was NOT informed of the interest rate, or that it would be variable when I signed as a co-signer. Navient has provided misinformation about how I can get off the loan and refuses to lower the interest rate to a reasonable rate and lower the payment. The loan amount has more than doubled since XXXX, even though the loan is being paid. I spoke to Navient today ( XX/XX/XXXX ) and they still continue to deny our request for a lower interest rate ( from 14.75 % ) and they refuse to lower the payment ( currently over $ XXXX/month ). We need help!
Company Response:
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There are 3 accounts from Navient that show delinquent on my report that should be closed. These accounts were DISCHARGED on my Chapter XXXX bankruptcy earlier this year! My public records list Navient ( private loan ) as DISCHARGED, through the bankruptcy courts of 2018! Why has it shown discharged before, but now its showing delinquent & im getting emails & phone calls from them. I even submitted my discharge papers to Navient, but they continue to harass me!
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Navient refused me a lower interest loan for no justifiable reason.
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: There is an issue every time I have to deal with these loans. I am not the borrower, I am the cosigner for the loans. Just today I was told that the loans show paid in full in their system by the first person I talked to and then the second person told me that the information I had just received was incorrect. I have had these issues for years. In total I have paid XXXX toward the loans. The original amount borrowed was XXXX they now say that I owe over 90000.00. There is atleast 1 payment that was never applied to the loans and a bunch of payments that were misapplied. Mainly they just apply the full amount to one loan and nothing to the other loans and continue to charge excessive fees and call to let me know that the payments are delinquent even though they were being automatically withdrawn monthly. Anytime I call to address any problems it takes hours of time and several people that aren't able to handle the problems. In order to be able to identify their processing issues I had to hire and pay an accountant because their records are completely user unfriendly.
Company Response:
State: ID
Zip: 83442
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A