Date Received: 2023-01-10
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: have private student loans that hav been steered into forbearance plans that just make the balance go up and don't really help. I rely heavily on my sphere of influence because I do real estate and my client whose also a family whom I sold a home to have gotten calls from navient about me without my consent, resulting in lost business. No refferals and or testimonials either from that client. I think the negative light that I was put in by navient has been a direct result of this. I've also experienced harassing phone calls for the better part of 5 years over 20 calls a week. This resulted in for performance and when the phone call stopped I can see a clear change in my income. I've had calls on the record before XXXX disrupting my work flow. I've been threatened regarding my assets and with lawsuits. They also disabled my online account so that I couldn't pay without calling them and I had to miss work from that as well I have emails and records of that also. I have around {$30000.00} of private student loans with navient and they have only grown with the stress of these scare tactics and payment plans that are misleading
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: This is based on NAVIENT. First and foremost, I access the XXXX XXXX XXXX web site to keep track of my loans. My other loan, financed through XXXX, has my IDR at $ XXXX. XXXX keeps my data on studentaid.gov up-to-date. Navient is always N/A! I was under the impression my loans were paused due to the covid relief. I check the XXXX regularly to see if the Navient loans are showing a repayment date, but they only show N/A and HAVE only shown N/A for the past year. Again, I assumed it was something to do with the Covid relief pause. However, I get an email that my statement was ready back in XXXX. Once I logged on, I was SHOCKED to see that I owed {$2100.00} for my XXXX payment and ANOTHER {$870.00} in fees. so, I owed over {$3000.00} for ONE monthly payment. I reached out to them via their web site, asking why I was being charged while the Covid payment pause was still in existence and they emailed me, XXXX XXXX loans were not eligible for any type of Covid relief, and I needed to make a payment to bring my account current. This is the one and only I've ever received where they tried to explain anything to me. When I responded, stating the obvious, I can not afford a {$3000.00} payment, I got a form email back, telling me to apply for XXXX or request a Deferment or Forbearance. So, not knowing what else to do and trying to avoid a default situation, I tried for the deferment and was denied. I tried for the forbearance and was denied. I applied for the XXXX, and received a letter from studentaid.gov that I qualified for {$53.00} monthly payments. So, I log on to Navient, and now I owe the {$3100.00} AND {$53.00}. I have emailed and contacted them via their website, SPECIFICALLY DEMANDING they quit calling me at work and/or via my cell phone because I'm working when they call and I don't want to be harassed at work. One time, back in XXXX, I accidentally took the call while I was at work and they were telling me I needed to make a payment right then or I was going to get sued and have my wages garnished. When I requested they fix the XXXX payment to be the same amount of the XXXX that I qualified for, they said I did not qualify for that. I am so confused. They send me " statements '', but online I can't find any statements, just a dashboard. I've reached out to them via email and their online contact method, again asking for assistance to bring the balance I currently owe down, and every single time I get the same email, " Are you having trouble making payments? If so, contact us for possible solutions. We are ready to customize a payment solution for you, based on your income and other factors, and can guide you through the repayment process. Options may be available to help reduce or temporarily postpone your monthly payment. '' I HAVE CONTACTED THEM!!! I just keep getting ran around in circles, AND they reported me to the credit bureau back in XXXX!!! I fought their claim, and the negative item was removed from my report. They have again this month, reported me to the credit bureau that I'm 90 days delinquent in the amount of {$3100.00}. I just don't understand how they can demand a monthly payment that high!! Based on my XXXX, it would take me 53 MONTHLY payments to make that ONE XXXX. payment!!! I've even reached out to attorneys, because I just don't even know what else to do! I did finally receive a response that was personalized, but are yet again doing nothing to bring my payment down. Can they REALLY force me to make a payment where FEES ALONE are almost a XXXX dollars?! How is this even possible?! I don't know where else to turn, because they are demanding a payment that is over XXXX my MONTHLY salary! OH! And my daughter is currently enrolled in college, and I'm paying out of pocket for HER portion of tuition that isn't covered under loans/aid/grants. Thousands of dollars! I just don't get it. When I did the loan consolidation back in 2005, I thought Navient/XXXX XXXXXXXX were federally financed loans. I don't know when my loan became privatized. I don't understand how, anything works, and all they will tell me is that they won't backdate the XXXX ( even though they have ALWAY backdated in the past, especially for deferments and/or forbearances ). Now, however, if they backdate the XXXX by one month, they'll lose {$3000.00}. But if I'm NEVER going to be able to repay that month, what alternatives do I have? I can't write them of in a bankruptcy, but they are literally FORCING me to make a payment XXXX times higher than they know I can afford! I have tried, since XXXX, to work on bringing my payment down to a fair amount, and have received the same response that I will attach, repeatedly. Over and over. Only TODAY did I receive a personalized response, that basically says sorry not sorry, you have no choice.
Company Response:
State: IN
Zip: 47630
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: When I took out this Parent Plus Loan in 2007 with Sallie Mae the amount was {$33000.00}. The interest rate was 8.500 %. During the course of the loan I had to do a Forbearance and sometimes a deferment a few times on this loan. I was not aware that the interest would keep accruing even though the payments had been postponed for a few months. Navient is now the carrier of this loan. My payments are now over {$800.00} a month ( which I can not afford ) and the interest has now brought my loan to {$110000.00}. I've made payments on this loan but the payments were not close to {$800.00} a month. I called Navient several times to discuss this outrages amount of this loan and I was told that because this is a Parent Plus Loan that there is nothing they can do for me. So I kept sending small payments which now I found out that it really was not worth it because only {$1.00} was going to the principal and the other amount was going to interest. To sum this all up, I will NEVER be able to pay this Predatory loan back.
Company Response:
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The past payment history on my student loans is incorrect. I have struggled with my credit score being low due to the negative payment history of the student loans. This information has never changed and I dont know how to get the late payments deleted.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Re : Verification of alleged debt pursuant to Section 609 ( a } ( 1 ) This letter is being sent to you in response to a correspondence sent to me onXX/XX/XXXXXX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Falr Debt Collection Practices Act requires that. the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mail a response. According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. I demand that the following account be verified or removed immediately
Company Response:
State: CA
Zip: 92551
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and protection consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Navient Acc # XXXX 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 that consumer reporting agency can not can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: On XX/XX/XXXX I spoke with Navient regarding some loans that I did not realize were part of a different arrangement and not under school deferments regularly. I have a private loan in particular that was in arrears and I arranged to do a retroactive forbearance to bring it current while I sorted out my school deferment process to bring these loans out of repayment. I did this once before, in XXXX of XXXX, and they did not charge me for the practice of forbearing them. This time, as they had years ago when I last needed to do this, they charged me {$50.00} as a good faith payment that they said is standard operating procedure. In the fall I received a settlement from them due to a multi-state lawsuit regarding private student loan practices for borrowers having difficulty repaying their loans and I was specifically refunded for these {$50.00} charges that they should not have charged. It's rather strange when asking for a forbearance due to payment difficulties that Navient asks to collect a good faith payment without saying exactly where this money is going ( to principal? total capitalized debt burden? ) but anyway, it seems they have resumed a practice they seemingly acknowledged was not proper in the past.
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I attended a school in XXXX XXXX Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX! I got my XXXX in graphic design, upon which completing they garaunteed career placement for life. I even spoke to the counselor before applying for XXXX $ in student loans!! They again assured me that before graduation I would already be placed in the field in the internship and then with payment. My internship ended due to them having no business I graduated with the highest gpa at the school national honors society. The counselor prints out the XXXX wanted adds for the day circles 3 positions making {$8.00} per hour or less and having nothing to do with the field of study lawn mowing and fast food!!!! Now Im a XXXX XXXX still and this school closed down shortly after now I still cant afford to pay this loan and survive with my XXXX Please help!!
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Department of Education YOU HAVE BROKEN THE LAW. I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report. Also, if you are going to report payment history, being late starts at XXXX days and you have it starting at XXXX days late. There are only XXXX days in a month so how could I be current on payments XXXX month and XXXX days late the next month. 35 % of my calculated consumer score comes from XXXX history and by you reporting incorrect information you are letting others know I am not creditworthy. Below is the law you have broken and violated my rights. Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( XXXX ) In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-ness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation.
Company Response:
State: AL
Zip: 36867
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: On XX/XX/2023, I sent information regarding my bankruptcy and the company Navient confirmed that they received that information. They did not process that information correctly. I filed for XXXX XXXX bankruptcy and I am still in active bankruptcy. The customer service agents nor Supervisor XXXX Employee ID XXXX do not know how to read legal documents. I am still receiving statements for payments and am still being harassed by phone daily for payments.
Company Response:
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A