Date Received: 2023-01-20
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: The private school loan was did on a computer. There was no paper work to sign. Is this legal in the state of North Carolina. I am claimed to be the co-signer.
Company Response:
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I called Navient today to request repayment assistance. My current payment is {$320.00}, the only option I was given was to do interest only payments for XXXX months, but in doing that. I would lose the XXXX XXXX discount for autopay ; this would make the payment close to the same except XXXX would go to principal. Inflation is hitting everyone extremely hard - this interest rate is currently at XXXX XXXX ( variable ). Any time I try and refinance anywhere else, I cant get approved without a co-signer because this balance has increased substantially compared to the amount initially borrowed. My co-signer was just approved for total and permanent XXXX so he is being released from Navient, but I cant get a loan anywhere else. This is the absolute biggest trap/scam. Enjoy all the interest youre pocketing on the XXXX set right now, while Americans are suffering. They are making repayment next to impossible if you still want to be able to feed your families.
Company Response:
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: XX/XX/2023 received 2 robo calls from Navient XXXX XXXX ; XXXX XXXX XX/XX/2023 received 2 robo calls from Navient XXXX XXXX XXXX XX/XX/2023 received 4 robo calls from Navient XXXX XXXX XXXX XXXX XXXX XX/XX/2023 received 1 robo call from Navient XXXX XXXX XX/XX/2023 received 1 robo call from Navient XXXX XXXX XX/XX/2023 received 3 robo calls from Navient XXXX XXXX XXXX XXXX XX/XX/2023 received 4 robo calls from Navient XXXX XXXX XXXX XXXX XXXX
Company Response:
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am XXXX who was affected by Navient bad business practices and was approved for loan forgiveness however the company claims my loans don't qualify and now I'm required to pay over {$700.00} per month.
Company Response:
State: MI
Zip: 49507
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had 2 Private Student Loans with Navient and I was forced to get a co-signer, my step-son, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The loans originally were with Sallie Mae. They forced me into Forbearance and loans kept incrementing. XXXX XXXX XXXX XXXX XXXX In XXXX - XXXX I was diagnosed with a serious health condition and wages were reduced due to so many not covered surgeries. In XX/XX/XXXX I was forced into XXXX XXXX Year after year I would try to get the co-signer released prior to my surgeries. After XXXX XXXX I also tried to get my step son off of the loan because he was in the process of purchasing a home and the loans were preventing him from purchasing a home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to file for divorce from my spouse of 20 years and had to refinance my home and add XXXX of the funds of the house to pay off the loans so that my step-sonXXXX a XXXX, would be removed from the loan and the accounts would show he had XXXX on his credit reports a requirement to get 1approved for his XXXXXXXX XXXX Loan to purchase a property. I made numerous complaints to the XXXX Navient, the Atty General of my state and to CFPB. Nothing was done. I was duped by Navient. According to Navient they release the Co-Signer for on time payments of over 12 months & the following. 1 ) Proof of successful graduation, 2 ) Proof of Citizenship and 3 ) Proof of Income. Of course they refused time and time again to release my XXXX XXXX XXXX, from the loans negatively affecting his creditworthiness. Furthermore, they forced me to pay the PRIVATE LOANS which were listed in XXXX XXXX. Per your website, the Bankruptcy Code provides and that loan owners, lenders, servicers, and debt collectors honor that relief when a bankruptcy judge discharges a consumers debts. Navient did not honor the XXXX XXXX and I did not want to negatively affect my Stepson 's credit and had to pay off the loans with monies I could have repaired my home after XXXX XXXX XXXX. This of course caused undue hardship since Navient 's action caused me undue hardship and increased my Mortgage by XXXX. Navient has had multiple lawsuits against them for their inaction. They did not send me any refund or anything after misleading me. They should not have forced me via duress to pay off the loans knowing they constantly misled me and failed to report payments to the bureau. Something stated in several class action lawsuits. I am attaching evidence of everything I am saying and my stepson ( cosigner ) evidence he is a XXXX XXXX.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX, I was completing my final semester in a XXXX program. Although I was told I had in-school deferment, I called Navient on XX/XX/XXXX to inquire about my next steps. I spoke to an agent from the company 's Federal loan department. This agent became aggressive when I tried clarifying if I qualified for Biden 's loan forgiveness program. Then, she hung up her phone. Four days later, on XX/XX/XXXX, I was in a XXXX XXXX and was healing from a XXXX XXXX XXXX between XX/XX/XXXX through the end of XXXX. Throughout XXXX, I received persistent calls ( even on XXXX XXXX XXXX ) with at least 3 calls per day starting early morning during working hours. These calls registered from a variety of out of state phone numbers, therefore, my phone recognized these numbers as SPAM. On XX/XX/XXXX at approximately XXXX PST, a Navient agent called wanting to speak about both my private and federal loans. I explained that I was working and asked the agent to please call back at lunch time. During this time, I was still resolving XXXX XXXX insurance details, XXXX XXXX, my recent move and my job, however returned Navient 's calls. On XX/XX/XXXX, I called Navient to resolve the Federal payment plan, but was connected to the Private loan department where I spoke to an agent named, XXXX. I asked for her permission to record the call and she consented. XXXX 's details varied and overlapped and were confusing. She told me I had forbearance in XXXX which I did not request and when I tried to clarify why I was told I had in-school deferment approved throughout Fall and did not give my consent for forbearance, XXXX interrupted me then began yelling and placed me on hold several times. I asked to speak to her supervisor and was connected to XXXX XXXX. I informed XXXX XXXX that I was recording this phone call. I explained my situation in detail including my XXXX XXXX XXXX co-signer whose daughter died XXXX XXXX prior and his wife suffered XXXX XXXX and was recovering. I explained my objective was to set up a repayment plan and to extricate my co-signer as soon as possible, but that no one should be yelled at, intimidated or harassed. XXXX XXXX agreed to a call on his direct line the following day. I called him that next day, on Friday, XX/XX/XXXX, during my lunch break hoping to gain clarity and ask how much my payment would cost with new interest rates. He explained the monthly payment amount for the 3 loans in his department total {$540.00} per month. ( I have 3 other private loans in default with a collection agency which would cost at least {$300.00} per month and Federal loans at approx. {$170.00} per month. ) I asked XXXX XXXX to consider reducing the {$540.00} to a sum more manageable, so i can also make payments on my defaulted and Federal loans. XXXX XXXX explained he would speak to his director and they would assess " what they can and can not do '' for me and get back to me after XXXX XXXX XXXX XXXX 's XX/XX/XXXX holiday. In the meantime, I am applying for a second job and setting up my payment plan, however Navient must communicate effectively with respect -- not yell and interrupt. I have had several similar phone calls with Navient and especially with XXXX XXXX. Furthermore, I am waiting to clarify if Navient approved forbearance in XX/XX/2022. If they did, they took this action without my consent. In addition, they allowed my loans to become delinquent for 2 months. Even though I reached out to Navient to confirm my in-school deferment in XXXX, it was not. And now, the credit score I worked hard to improve these past three years might be ruined and I may face legal action from Navient because I don't have an extra $ XXXX, am a XXXX XXXX and a XXXX XXXX XXXXXXXX whose job prospects are less than her white male counterparts. If I could turn back time, but I can not.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission and instructions.
Company Response:
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Navient student loan has been repeatedly calling me. Their phone calls started in XX/XX/2022. They ask for someone else, someone who does not live here. I have repeatedly told them I am not that person and the person they are calling for does not live here. They XXXX XXXX XXXX XXXX They are rude. They call me XXXX times a day. I am XXXX XXXX XXXX and I believe they are preying on me due to my age. I have told them to stop calling me and they continue to harass me.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have had this student loan since XX/XX/XXXX for XXXX, and the other one on XX/XX/XXXX for XXXX. I have paid on this loan for multiple years now. In XXXX, my husband and I filed for a XXXX XXXX Bankruptcy and Navient was included. In that they filed a claim against us for XXXX dollars. This bankruptcy was successfully completed in XXXX of XXXX and Navient received 100 % for the claim they submitted. Shortly after completing this payoff, I received a payment booklet from Navient for them to collect over {$1500.00} combined for the " balance '' of these two loans. No one from Navient could explain to me that after over 20 years and receiving over {$9000.00} dollars from me in a bankruptcy, where this " balance '' was coming from. I spoke with my bankruptcy attorney who told me that it was maybe " interest '' that continued to accrue during the 5 year XXXX XXXX process. So, as a result, I've attempted to get Navient out of my life for good and try to pay this off. When you call them, the first thing they say is, " I can lower this payment for you ''. I said, no, I'm trying to pay you off completely. That is when I spoke with a Navient representative to set up 10 payments of XXXX} to be deducted from my bank account every month, this would complete the XXXX dollar balance. Later, I called and spoke with Navient thinking this was done. I checked my Navient account and it was set up payments of XXXX dollars to go toward each loan! I never agreed to that. So, then I called back to set up two payments of XXXX dollars to complete the XXXX to come from the same bank account. The bank never received that request from Navient. I called several times to Navient and they told me " give it time to process ''. A couple of weeks later, I received an email from Navient telling me that the bank rejected the payment of XXXX because I put the wrong account or bank number. I've tried several times to pay Navient off but to no avail.
Company Response:
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I have been struggling financially and am behind on rent several months due to covid / work and can not make my monthly Navient payments because I'm attempting to pay back what I owe for rent. I have court dates set up for the next few weeks because my building is attempting to sue and/or evict me if I don't make my payments. This is extremely stressful and difficult for me as I'm trying my best to pay my rent every month. Navient doesn't care or understand that I can not make my monthly payments with them in fear I will have nowhere to live. They expect me to pay almost the same amount of what I pay in rent every month and it is impossible. They won't help me and although I have tried to recently make payments with them, I can not make any more in the future for my rent is my priority right now. They refuse to turn off my auto pay and expect me to pay them instead of my rent. They are robbing me of my livelihood. I need help.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A