Date Received: 2023-02-17
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I was charged interest during the student loan pause on XX/XX/2022. Which was supposed to be included on my bill, and I had requested to have my loans consolidated and move to another company in XXXX. But this company continued to charge interest on my federal loans. I was then told the bill was overdue and that I had to pay it.
Company Response:
State: AZ
Zip: 85024
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I had loans for a private college through Navient. Navient put me in forbearance when I couldn't pay and told me that I'd sit in forbearance and accrue interest, or I should go back to school if I couldn't pay ( I elected to go back to school to try to get a higher paying job ). People like me should have been included in the settlement, can't tell if I actually qualify due to the limited information available, though think I should be eligible because I was steered towards accruing more debt, just in a different way than those pushed to forbearance long term
Company Response:
State: WI
Zip: 54481
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: My loan was supposed to be discharged in my XXXX XXXX XXXX XXXX 2008. Bk # XXXX My loan was a private career training loan by Sallie Mae Now it is serviced by Navient. I have been required to pay since 2008
Company Response:
State: CA
Zip: 91711
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I keep getting incorrect information from Navient concerning my forbearance, being bullied into a consolidation loan, told my loan was NOT eligible for forgiveness when on the Navient list XXXX XXXXXXXX XXXX XXXX as XXXX of the schools which is eligible for forgiveness, and losing my financial information for an income based payment plan which the Navient rep said she received and my monthly payment would be XXXX. All the while, Navient has wrongfully destroyed my credit score preventing me in getting any consumer loans which would help me financially to get me back on my feet.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: 1. Navient was servicing my loans XXXX loans. 2. I never skipped a payment and my account was in really good standing. 3. On XX/XX/XXXX I made a payment to my account of {$270.00} ( in excess of my XXXX required payments - also they never froze interests during the pandemic ) 4. On XX/XX/XXXX my balance was of {$45000.00}. 5. On XX/XX/XXXX the Department of Education purchased/consolidated my loans with a payment to Navient of {$45000.00}. 6.That is a difference of {$360.00}. 7.There could not have been late fees because I made a payment of {$270.00} on XX/XX/XXXX and the interests ( 4.5 % ) would not amount to {$360.00} ( can not be more than {$50.00} ) 8. I called Navient and they would not address my concerns. 9. I checked with the Department of Education if there were any consolidations fees and they assured me there were not. 10. I wrote to Navient twice and they have not addressed my issue. 11. I'm entitled to know what happened to the difference Thank you in advance for your help. Kind Regards XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Private student loan with Navient was discharged in XXXX XXXX bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX Navient continues to report a charge off, balance due, and late payments.
Company Response:
State: MN
Zip: 55448
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I am receiving calls from Navient continuously throughout the day. The calls started on XX/XX/2023, and still receiving them. However, when I log on to the site, this is the message : Important : Your U.S. Department of Education ( ED ) owned loans are now being serviced at XXXX They ( Navient ) have also reported to the credit bureau that my loans are 90 days late. Please explain this to me, as I believe there has not been a ruling on repayment as of yet. I appreciate the time and effort you are putting into this matter for me. Regards, XXXX XXXX
Company Response:
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/2023 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, North Carolina XXXXXXXX Navient XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Certified Mail Receipt # : XXXX It whom it may concern, I agree to pay the following financial obligation regarding account numbers # : XXXX, XXXX, XXXX and which I might lawfully owe on one condition : Within 15 days of the date of this Conditional Acceptance sent certified mail receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. Verification of your claim against XXXX XXXX XXXX XXXX, that is, a signed Invoice. A copy of the Contract binding both NAVIENT AND XXXX XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. The XXXX number under which my loan was securitized to. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301. Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. Thank you, XXXX XXXX : XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Company Response:
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have 2 complaints Complaint # 1 Before I paid of my loan, I called to ask about my payoff amount. I was advised by the service rep to use the online payment payoff versus the mail check payoff amount. This was the amount I got on Navients website and sent it to XXXX Navient, {$44000.00} Navient, {$26000.00} After adding up both loans I got XXXX to payoff the loan. When I called to verify if the loan was paid off I was told that I owe {$41.00}. Now my bill is almost {$270.00} in interest fees. Complaint # 2 Navient misapplied some of my loan payments. Everytime I try and speak to a customer service rep, they have a different story to tell me. I went and downloaded all my payments relized that the addition {$100.00} payments I was making was just going towards the interest and not the principal even though I instrusted them to apply the payments to my principal. I want Navient to reimburse me for {$3600.00}
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I took out a total of 5 loans in XXXX to attend XXXX XXXX . I graduated in XXXX. Total of loans are XXXX and are all serviced by Navient ( originally Salle Mae ). All are all either FFELP Stafford Subsidized or FFELP Stafford UnSubsidized Private Loans. I did make some payments throughout the years and did deferments, but once I got sick with a XXXX XXXX XXXX XXXX XXXX and couldnt work, I stopped paying in XXXX. My loans have been in default since. On XX/XX/XXXX I received a email from the Department of Education Federal Student aid. It states that Subject : Student Loan Discharge Based on Borrower Defense Evidence The Department of Education has determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations. The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. It will take the Department some time to process your discharge. Until the Department completes its work, your eligible loan ( s ) from XXXX XXXX XXXX will remain paused in forbearance/stopped collections, and we will not ask you to resume making payments. If your loan ( s ) are in default, we will not attempt to collect on the loan ( s ) being discharged. I have received repeated calls/letters from Navient try to collect on these loans since. Ive wrote in to customer care on XX/XX/XXXX explaining my situation and wrote with XXXX first. I was told that they havent received any notification from the DOE of my loan forgiveness application and once they do, they would place my account on an administrative forbearance. But could look into a temporary postponement on my account. And until that time my loans will still be in the repayment status. The problem here and what he didnt understand is I never filed a Loan Forgiveness Application or Borrowers Defense Application. Per the email I received, I did not have to file any application because this is a part of a group discharge in regards to all XXXX XXXX. This has nothing to do with the current case of {$10000.00} removed from federal student loans that President Biden has going on. This is totally separate. So I wrote back in explaining this. On XX/XX/XXXX I got a reply from a woman named XXXX. She said to send in a copy of the email I received from the DOE and it would be reviewed. And stated Id get a full refund once the DOE advises how to proceed. But before I could send in my email, myself and my mother got a voicemail from a guy named XXXX XXXX who said he is the senior accounts manager for my case. He was trying to go over repayment options. So I immediately called him back. First I wanted to know why my family is getting phone calls about my loans still. Which they have done for years. Then I explained to him about my loans being discharged per the letter received, that they cant collect on them anymore, and have been speaking to customer service about this already. He seemed very confused and kept saying my loans are in default and wasnt understanding that my loans are to not be collected on. He also didnt know that XXXX was a XXXX XXXXXXXX . He told me to email him a copy of the email I received from the DOE and it will go through the higher ups to look at. I sent the email immediately on XX/XX/XXXX along with the correspondence I had with XXXX stating Id get a refund. I never heard back from them about this so I did call back XXXX XXXX on XX/XX/XXXX. He told me the email was received and was going to ask his boss for updates. After a brief hold he came back and stated that my loans arent eligible for discharge and theres nothing that can be done because I did an application stating fraud happened. Again I went in to explain everything and what hes saying made no sense. He said if I want to speak to his manager I can. So he put me on with his manager ( couldnt hear Name ). He was extremely rude to me and couldnt comprehend that my loans are being discharged and they cant collect on them in the meantime. He said they havent received anything from the DOE so they are going to continue to collect. After arguing with him for awhile and making sure he actually read the letter I received, he said he would make a note in my account for the calls to stop for 1 month but cant do anything else. I did call the Federal Student Aid number provided on my email To let them know what Navient is doing and that Im worried they are going to try to take me to collections about this and ruin my credit score. They told me this discharge could take up to 6 months to finalize and that email should have been enough to put my account on administrative forbearance until the DOE gets in touch with them about the discharge. XXXX did tell me during a brief call call on XXXX that they are just waiting to hear from the DOE and that my loans are in collections. I asked him what he meant by that because my loans are supposed to be in default. He just said they are in default but in collections which made no sense. And that I may still get calls from them for repayment while they wait from the DOE. I also received a letter in XX/XX/XXXX from the XXXX XXXX XXXX XXXX stating a Guarantor Transition of my Student loans. It states that on XXXX XXXX XXXX will be the new Guarantor of my FFELP loans but Navient will continue to be my Servicer/Lender. Along with all payments/questions is still with Navient. I looked up XXXX XXXX and they are a student loan collection agency. So Im extremely upset and worried they sent my loans to a collection agency for them to start collecting on and ruining my credit score.
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A