Date Received: 2023-02-12
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: All three credit bureaus continue to display information which is not pertinent including a student loan for a profit University more than 25 years ago and three collection agencies that are the result of identity theft and proven to be so more than nine times through FTC and cfpb reports. It is impossible to relieve and recall the ID stuff warnings I have on my credit since they don't make it easy to do busy making money defunct invalid student loans. The credit history should be there without going to the negative and it shouldn't even be displayed since it's for a for-profit university been forgiven by the president of the United States and also invalid because of the time. My understanding that this long night have been battling for nearly 10 years don't come off during the most crucial time. Lastly I can not get any of the credit bureaus to pay attention to the questions that are up there as I was part of XXXXXXXX XXXX data breach and my name drags through the mud with several police reports FTC reports and XXXX reports for the past 5 years. I lost an automobile because XXXX stuffed the rights to gain it back and just about every year being farthest thing from peace you could imagine. It's the hardest thing I've ever gone through in my life and continue to cost me hundreds of thousands of dollars. The only thing equifqx made up for was the joke of a XXXX dollar check on the mail. XXXX
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am seeking a refund, as guaranteed by the Department of Ed, for the amount I paid to Navient from XX/XX/XXXX through XX/XX/XXXX during the COVID pause on my student loans. Navient was my servicer at the time. Navient says they are not able to issue refunds for loans that are no longer serviced by them. However, the Department of Ed has informed me that Navient should issue this refund, as they were the servicer of my loans during this time and received the payments during these months. Navient claims the payments can not be refunded because the loans were FFEL not owned by the ED. However, the Department of Ed announced that these loans WOULD be retroactively included in the forebearance and those who had made payments during the pandemic are entitled to a refund.
Company Response:
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient is violating the Debt Collection Rule under the Fair Debt Collection Practices Act that was issued on XX/XX/XXXX. Navient has called me 9 times in a 7 day period and twice in the same day *after* speaking with a manager ( XXXX ) about the debt. The manager also threatened to send the matter for litigation before my supposed amount of time and stated I should really look up what default means and then proceeded to state " I can see you own a home '' - as in she was threatening the home I own but also threatening the 2 other people on the deed, this is a continuation of the harassment I have been receiving from Navient. They are also violating my state 's ( Connecticut ) 2 Party XXXX law when I have repeatedly stated I do not consent to being recorded- multiple Navient employees have ignored me and have even made statements such as " by you staying on the line that is consent '' - which of course is very false. Navient has stated to multiple agencies they have not violated this law, except - call logs show extended time on the phone and of course ... .there are recordings. I have been hung up on, Navient sends me emails stating I have a " dedicated account representative '' even though that person has never once contacted me and when a Navient employee calls and I state I was told I have a " dedicated account representative '' they ignore me. The attached will show Navient calling me from a NY based phone number as well as their manager calling me from a DE based phone number. All calls stated below were answered by me except the XX/XX/XXXX XXXX but that was placed in the same day that I picked up earlier in the day. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after ending the call with the manager, another XXXX conversation with an employee ). XX/XX/XXXX = XXXX XXXX XXXX XXXX this makes the 3rd in one day, and I expressly asked the employee on the XXXX call if I was going to be called again at night as it was apparent Navient placed me on a 2 call per day harassment schedule - one at the XXXX hour and the other at XXXX hour, does not matter if I picked up an earlier call or not. XXXX Navient has violated this rule once before
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient has NOT been able to provide proof of my physical signatures on loans that claim that I am a co-borrower. My brother, XXXX XXXX, is the borrower. Since Navient is unable to provide my physical signatures, it is clearly unlawful to have me on these private student loans that were taken out to attend the corrupt and now closed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Moreover, Navient loan numbers : XXXX only show my name typed into the blanks for the co-borrower and that is not proof that I signed those private student loans. I have contacted my Attorney to prepare for next steps to explore litigation against Navient and plan to contact North Carolina State Attorney General 's office in the coming days to file a complaint as well.
Company Response:
State: NC
Zip: 28601
Submitted Via: Web
Date Sent: 2023-02-10
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: Trouble with how payments are being handled
Consumer Complaint: XX/XX/XXXX, Navient debt collection agency XXXX XXXX XXXX XXXX offered a student loan debt settlement for {$11000.00} for a {$66.00}, XXXX student loan debt. The agreement was to pay on time from XX/XX/XXXX to XX/XX/XXXX {$110.00} every pay period. The document states 96 installment, and the payments are to be received before the dates indicated in the document. Once the account is recorded as settled upon clearance of the final remittance then no further payments will be due. So, I took the offer and received the settlement agreement paperwork. On XX/XX/XXXX, I called XXXX XXXX XXXX to pay the remaining balance of the student loan settlement. As I spoke to the gentlemen on the phone he stated " we do not have have your loan anymore and sent it back to the lender ''. Neither Navient or XXXX XXXX mailed or notified me of these changes. After the telephone call, XX/XX/XXXX was the last payment taken from XXXX XXXX XXXX and I am now currently several payment behind due to the lack of communication from both parties.
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I have student loans serviced by Navient. I am a full-time student and they have been telling me that my loans are past due. I haven't dropped below half-time. I am a full-time XXXX. They did this previously with my old school when I was an XXXX. When that happened, I was contacted by an agent from Navient and I contacted my school and they notified Navient that I was a full-time XXXX. I asked the agent to update my preferences so that I would receive statements by mail. He said that he would. I personally logged into my account and updated my contact preferences so I would receive statements by mail and hopefully avoid that situation again. I have yet to receive anything in the mail from Navient. About a month ago, I was contacted by a debt collector who stated they were working on behalf of Navient. I contacted Navient to let them know I was a full-time student and what I needed to do. I am not privy to any communication between my school and any servicer or any means of knowing whether or not Navient is aware of my status or not until they do something like this. I contacted Navient and they responded by sending me an enrollment verification form and told me different ways to get it to them. I passed this on the registrar 's office and the completed it and sent it back to me and I uploaded it to XXXXXXXX XXXX website as Navient told me I could do. I even switched my email preferences to my school email hoping that someone would at least recognize that it is a university email address. I haven't received any communication from Navient until I received an email statement earlier today stating my loans were past due and there were fees associated with it presumably due to being late. I have made a good faith effort to communicate with Navient about my status as a full-time student. They have failed to communicate with me regarding this. I get emails during this period stating that I should call them " to discuss options ''. Yet, they won't communicate with me, or they simply ignore me when it comes to my first chosen option. Secondly, those emails aren't monitored. So, I can not reply to communicate with them. I work and go to school during the day and email or even mail is more effective way of communicating. However, they choose to continue to ignore my communication preferences. If there is something wrong with the form in which they provided that my school filled out, then they can notify that to me instead of trying to add additional charges for me to pay or hiring debt collectors to hound me. I have made a good faith effort to provide them with the information that they told me they needed to show that I am a full-time student. I am becoming exasperated with Navient. I do not know what else I can do. I am a full-time student at a fully accredited public university and I had a school official fill out the form provided by Navient. As far as I can see I am simply being ignored. I would be happy to consolidate my loans to another servicer to eliminate this problem. However, I don't believe I should be forced to pay additional fees or have my credit report damaged because I am in a one-sided relationship with Navient. It is important to note that XXXX is my other servicer and I don't have any problems with them nor do they have problems with my school.
Company Response:
State: OK
Zip: 74464
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I sent Navient a Cease and Desist, Debt Validation, Conditional Acceptance Letter for accounts ending in XXXX, XXXX, XXXX via registered mail # RF XXXX XXXX XXXX delivered on XX/XX/XXXX. They have not responded to my terms requesting a XXXX forensic auditing of the accounts- providing and how the money was created. I sent NAVIENT a SECOND NOTICE stating : " In that letter, I gave notice in writing, pursuant to Title 15 USC 1692c ( c ) that I refuse to pay this alleged debt for accounts ending in 3536, 6658, and 4624, and DEMANDED that you cease all forms of communication with me through ANY AND ALL MEDIUMS. Pursuant to Title 15 USC 1692a ( 2 ) communication is defined as the conveying of information regarding a debt directly or indirectly to any person through any medium. The word ANY is defined as one, some, or all indiscriminately of whatever quantity ; used to indicate one selected without restriction. 1. Navient has continued to contacted me via XXXX, violating 15 U.S. Code 1692c ( c ). 2. On XX/XX/XXXX, XX/XX/XXXX you reported alleged debt to XXXX, XXXX, and XXXX for accounts ending in XXXX, XXXX, and XXXX, violating 15 U.S. Code 1692g ( b ) 3. Pursuant to 15 U.S. Code 1692a ( 6 ) : The term debt collector does not include ( A ) any officer or employee of a creditor while, in the name of the creditor ( AKA me, as Im the original creditor ), collecting debts for such creditor. I am the ORGINAL CREDITOR my bonds/ securities were sold in my FULL CAPS NAME and my social security number. 4. Pursuant 15 U.S. Code 1692 ( a ) : Consumer has a right to privacy. My privacy has been violated on multiple occasions, I never provided any consent to furnish my information. 5. Pursuant to 15 U.S. Code 1681 ( b ) : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Consumer reporting agencies have not adopted reasonable procedures and have continue to not follow the United States Codes Congress has passed. 6. Pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) : allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to NAVIENT. NAVIENT has caused stress by not providing full disclourse about I am the actually creditor. NAVIENT has chosen to harassment with multiple emails, letters and phone calls attacking me for a alleged debt. I have spent many nights unable to sleep with high anxiety and mental anguish trying to figure out how to pay and care for my family, when in fact I am the CREDITOR and the money came from my FULL CAPS NAMES. 7. Pursuant 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given the opportunity to direct their information, whether they want their information about a transaction to be reported or not. This is referenced in the Gramm Leach Bliley Act.I never gave anyone permission or direction to publish my information. 8. Pursuant 15 U.S. Code 1681n- ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum ofdamages the consumer sustains, not less than {$100.00} and not more than {$1000.00}. NAVIENT knows better and willfully failed to comply with this requirement. 9. Pursuant 15 U.S Code 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment. I am the original creditor, I am not the debtor. 10. Pursuant 15 U.S Code 1692a ( 5 ) '' - debt, obligation or an alleged obligation. This was never a debt, as I am the creditor it is MY monie. 11. Pursuant 15 U.S Code 1692b ( 2 ) - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication. I am the consumer who DOES NOT OWE this debt as I am and always have been the original creditor. 12. Pursuant 15 U.S Code 1692d ( 5 ) : - causing the consumers phone to ring to annoy, abuse, harass, any person at the number. NAVIENT has chosen to violate this code by constantly calling my phone multiple times during the day, stating I must pay this alleged debt. When in fact they are acting as a debt collector. 13. Pursuant 15 U.S Code 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt. Each bill I receive shows a positive amount, when in fact if it were a debt it would show a negative amount. 14. Pursuant 15 U.S Code 1692e ( 8 ) - Communicating with any person false credit information including failure to communicate the debt is being disputed aka false and misleading reporting. NAVIENT continues to report this debt, without my permission and I sent multiple letters, including a CEASE and DECIST LETTER 15. Pursuant 15 U.S Code 1692f ( 1 ) - collection of many amounts other than interest or agreed upon within the original contract ( we agreed within a contract a specified amount and if its not the original amount which was specified, the opposing party can not collect ). I have accrued multiple fees on these loans, NAVIENT is being dishonest. 16. Pursuant 15 U.S Code 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. NAVIENT continues to not comply with this code and reports fraudulently information about me which is causing stress and anxiety. 17. Pursuant 15 U.S Code 1692h - Run me back my money. Per this code, I am demanding all my money back that has been paid on these loans. 18. Pursuant 15 U.S Code 1692j - False and deceptive forms. I was never provided the full disclosure of the loans ; in fact a lot was hidden and NAVIENT were dishonest 19. Pursuant 15 U.S Code 1692k ( a ) ( 1 ) - Allows for any action of damage. I am dealing with MY credit score taking a huge impact from these actions and damages due to NAVIENT not complying with the USC that Congress passed. 20. Pursuant 15 U.S Code 1681a ( e ) - investigated reports must have sources of interviews of family and friends, and the results can not contain factual information. NAVIENT did not provide these facts. 21. Pursuant 15 U.S Code 1681g ( f ) ( 2 ) ( A ) ( i ) - Credit score is a risk score. My credit score has been seriously impacted by NAVIENT, and what they have reported to the credit bureaus. 22. Pursuant to 15 U.S Code 1681i ( 6 ) ( A ) - failed demand to comply or failure to comply pursuant to 15 U.S. Code 1681o ( a ) ( 1 ) - For negligent noncompliance, or in other words, failure to comply even though they should have known they must comply, is equal to the sum of action damages. NAVIENTS CEO, CFO, and BOARD knows better, and what they are doing is violating so many UNITED STATES codes Congress has passed to protect the consumer. FURTHERMORE, YOUR COMPANY HAS CHOSEN TO IGNORE THE TERMS WHICH I OUTLINED IN MY ORIGINAL NOTICE. You have failed to provide all necessary documents to validate this alleged debt which will result in a civil penalty through litigation PURSUANT TO 15 USC 1681 ( n ) & 15 USC 1681 ( o ), and each individual responsible will be held liable. " On XX/XX/XXXX registered mail XXXX NAVIENT 'S SILENCES AGAIN. a CORPORATION CAN NOT violate the law, contracts or XXXX If they do, the contract is is ultra vires- VOID. Silence by NAVIENT results only in an attempt to DEFRAUD me by some SCHEME or DEFRAUD and is, itself, grounds for an action as FRAUD is actionable.
Company Response:
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Document Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is being sent to you in response to notices sent to me from your company. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above-named Title and Section. Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : 1 ) Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; 2 ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 3 ) Please provide proof when the original creditor claims this debt became due and when it became delinquent ; 4 ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and Collector, bearing Consumer wet-ink signature ; 5 ) Please provide a copy of the last billing statement sent to Consumer by the original creditor ; 6 ) Please provide late payment notice and/or account closing notice provided by the original creditor ; 7 ) Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above-alleged account ; 8 ) Please provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State ; 9 ) Please provide general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records ; 10 ) Please provide the account and general ledger statement showing the full accounting of alleged obligation that you are now attempting to collect. Such as FR 2046 balance sheet ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prospectus, RC-S, and RC-B call schedules ; 11 ) Please provide verification and/or copy of any judgment if applicable ; 12 ) Please provide proof of any interest, fees or other charges expressly authorized by the agreement; 13 ) Please provide a certified copy of all Public Hazard Bond ( s ) and Liability Insurance Policy ( s ) and accounting demonstrating the financial capability of Collector ; 14 ) Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 15 ) Please provide a Statute of Limitations expressly authorized by the agreement; 16 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act. At this time, I also inform you that reporting invalidated information to major credit bureaus ( XXXX, XXXX, XXXX or any third party ) might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Also, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Violation of the Consumer Collection Practices Act in my State ; Defamation of Character. If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for the suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from your firm records and my credit report if reported and a copy of such deletion ( to any/all of the major credit reporting bureaus : XXXX, XXXX, XXXX or third party ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by United States Postal Service. It would be advisable that you assure your records are in order before I am forced to take legal action against your company. This is an attempt to correct your records, any information obtained shall be used for that purpose. I am waiting for your immediate action to my requests. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I spoke to Navent about 6 months ago telling them I was approved for loan forgiveness in 2 ways, ssi and the loan forgiveness program that is pending with the government. My loans are over 20 years old I have been XXXX for all of those years and was finally granted ssi last year. I have been dealing with harassing calls all this time. It's not like the company calls and leaves a message, no they call at XXXX and then XXXX and then XXXX and so on, then if you don't call them back they call your elderly parents harassing them making them worry there is something wrong, calling me in a panic. I don't want a call ever again from them! I shake when they pop up on my screen. I have nothing to give them, I never have!! They need to chill and wait for the government to dismiss it, it's not my problem anymore when 2 different government agencies say it's not. Call after call just to put my account in good standing for 30 days what a joke! I told them to stop calling me. The last man I spoke to telling this to assured me I wouldn't get anymore calls. 6 months later here we are 3 calls by them before XXXX. That is NOT OK. I have XXXX and other mental health issues and all they do is trigger me into rage. They say there no way to stop the calls... .they have called me 25 times since decmber, 3 of them today. I can't do this any more... I'm sick from it I'm shaking, I can't. Please help me. ( For proof on how bad they trigger me, please pull their recorded audio from today 's " conversation '', XXXX XXXX. I'm not in the right but I just can't anymore ) I'm physically, mentally and visual affected by them.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: This complaint is directed at Navient regarding a student loan in repayment. Navient has gotten to the point of harassing myself and my daughter both via email and through phone calls. We each receive at least XXXX communications per day. In XXXX XXXX, a payment plan was setup with them. Over the last XXXX months payments has been made and I personally sent an email to their customer service with an attachment showing the payments had been made and received by their system including a pending payment for XX/XX/XXXX. They continually call and email to harass us for payments, ignoring my communications as proof of payment. Every time my daughter reaches out to speak with them you get a different CSR on the phone who has no idea or record of what has been discussed or the payment plan that was agreed upon so it's like starting from scratch once again.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A