Date Received: 2023-01-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient has hidden a student loan from XXXX till XXXX. I was sued in XXXX. I was sued in XXXX. I was sued in XXXX. I made arrangements in XXXX to pay all my student loans from Navient and I never missed a payment. I had 3 student loans. I provided all documentation. As paying off those loans is coming true Navient has thrown the surprise 'you have a 4th " student loan. My last complaint discussed how they hid from all law suits this last loan. Now 'it 's hey you owe us all the money plus interest ' when it was never once mentioned in any legal proceedings against me, all of which were dismissed because I paid all my bills on time. I just paid the same amount I always paid on a loan because I assumed this was one of the ones I'd been sued on. I don't understand how a 4th one is hidden and it's legal to say 'surprise you owe more. ' The response to my previous complaint XXXX was basically 'here is the promissory note ' that I have no memory of as it was signed apparently in XXXX. The response does not answer any of my complaints of hiding a student loan from all collections for over a decade.
Company Response:
State: NC
Zip: 28590
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My previous loan company that had been assigned to me was naviant. They told me that if I made 3 consecutive payments of I beleive {$300.00} on a specific date for three months in a row that I would qualify for an assistance program that would then secure me me making around a {$30.00} to {$40.00} payment each month for the next 64 months. I made two of these payments, and submitted my information ( which I was told they never received ), I then submitted it again, from which I heard nothing back from them. Shortly after making the second payment of {$300.00}, Navient was no longer the company I dealt with and I was assigned to a new company. I have patiently waited to see if that {$600.00} payment would ever show up on my credit report, and assumed the delay in its appearance was due to the pandemic. I recently saw an article that stated navient had been acknowledged for some deceptive tactics regarding student loan debt. I graduated college with a XXXX XXXX, and a XXXX XXXX XXXX. I would have liked to continue my education and obtain higher credentials so that I would hopefully obtain more opportunities for higher salary paying jobs, however, the interest is astronomically high on student loans and being that I am a XXXX XXXX XXXX XXXX along with inflation, furthering my education does not seem like a very smart option at this time. I am worried that the upcoming absence of the deferred payments will require me to have to commit to the monthly payment I had tried to avoid prior to agreeing to.the terms of navients arrangement. These payments come to between {$250.00} and $ XXXX from what I've seen on my paperwork. Money is tighter then ever and I am literally living paycheck to paycheck. I am wondering if Navient fraudulently set me up on a plan that was set up to not be possible, and took my {$600.00} for whatever reason except to go towards any of my loans. Thank you for your time.
Company Response:
State: AR
Zip: 719XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient class action lawsuit XXXX v Navient Corp., my loans are eligible and were delinquent for consecutive months due to high risk/complications of a XXXX XXXX. The loans in question originally date back from XXXX. Navient never offered me income repayment plan ; I was offered forbearance. I learned of this later from the ombudsman office this consolidation option. The delinquency has been damaging to my credit for years. I have emailed the CEO for relief ; even worked with XXXX XXXX XXXX for a resolve. No assistance as of yet from this establishment. My next step is Attorney General and FCRA.My loans are not with this establishment any more. At the time XXXX XXXX was my lender and they used unfair tactics to get young borrowers such as myself at the time to get these loans for XXXX. These late payments on my credit score are high jacking my credit.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I stopped making payments in XXXX of 2022. Since XXXX of 2022 they have been calling me for my payment. I have told them multiple times that student loans are on pause and I will not pay them until the pause is finished. Navient tells me that my loans aren't on pause and I need to pay. I checked and my student loans are Federal loans so I should be good. When I tell them this they stop calling me for two or three days, but then they start calling me again.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I strongly believe Navient may be using a tactic misrepresenting my student loan balance for more gains. I believe that this tactic is not legal and/or at least raises a RED flag for an investigation. On XX/XX/XXXX, I decided to pay off my student loan of {$23000.00}. I reached out to Navient and was transferred to an agent XXXX in the student loan department. This agent after going into my account sited my total balance of my loan that I needed to pay was {$23000.00}. Which I proceeded to pay over the phone using my personal check # XXXX. At the end of my conversation, I was informed that I would receive a payoff letter. This letter was to never arrive. What did arrive the following on XX/XX/XXXX was a statement for me to pay another {$1000.00}.? I immediately contacted Navient to discuss this error. I was meet with confusion by their agents as to why I was being charged. Their records indicated that the amount sited by their on XX/XX/XXXX agent was correct and they would further look into this issue. I expressed my frustration with them and their system. I informed them that they needed to resolve this issue today. The agent appeared empathic and supportive wanting to finding the answer for me. So starts my archous battle with Navient! after numerous conversations with other agents/supervisors I came across agent XXXX XXXX XXXX. On XX/XX/XXXX Team Lead XXXX XXXX # XXXX. After XXXX minutes into our conversation XXXX stated that she would like to go back and lesson to the recorded conversation with me and agent XXXX on XX/XX/XXXX. And if she found that the balance of my account given that day by agent XXXX was indeed {$23000.00} as a full payoff amount. Then Navient will wave the requested fee of {$1000.00}. Satisfied that I would prevail. What arrived was a letter on XXXX XXXX. On XX/XX/XXXX. I received a letter from Navient with old dates and numbers. However, admitting fault and that indeed their agent XXXX incorrectly provided me with the wrong payoff amount " That Navient will not be able to write-off the remaining balance and that I would still need to pay the requested amount of {$1000.00} See attachement # XXXX On XX/XX/XXXX to dispute there response letter to me. I was meet with more ridiculous excuses and that they could not honor what Team Lead XXXX XXXX promised. " To wave the fees regardless of the facts disclosed in the recording '' It is my hope that C.F.P.B can represent me in this unfair and unjust act by Navient.. Sincerely, XXXX
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After I filed the complaint about the credit reporting agencies I did a thorough investigation on my student loans and found out that all my lstudent loans are still current based on Income Driven Repayment. That none of my loans delinquent. Therefore Navient had fraudulently reported my student loans delinquent even though that is not true. Navient, company that handles student loans falsely reported a false credit report on me. Sincerely XXXX XXXX
Company Response:
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NAVIENT : They replied to my complaint, but they failed to comment on my co-signer 's XXXX XXXX bankruptcy that last until XX/XX/2023. All other loans have not marked my accounts derogatory because of my co-signer 's XXXX XXXX. Navient has also refused to talk to me over the period of several years. I'd like some kind of record of my calls, and refusal to allow me to speak to anyone about this. All other private companies have suspended payments until XX/XX/2023. They are not mentioning this and they have refused to speak with me over YEARS. I want their charge off removed from my account- they are criminal anyway, hence so many people getting their debt forgiven. I want a record of my calls, and I want them to address the XXXX XXXX of my co-signer, and explanation over why " they weren't allowed to speak to me '' over YEARS, and now this mark on my credit score. they are predators.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
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: I disputed late payments that are showing on my Navient account at XXXX. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. XXXX stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.
Company Response:
State: CO
Zip: 80203
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Started all the loans with sallie XXXX/navient. Recently received an email stating if you ever could not pay the private loans/ defer or only pay interest they could help or possibly drop the debt. I contacted them as I had deferred as well as paying interest only for over 4 years. XXXX XXXX reps told me they were unaware of it and couldnt help as I have proof of it from the website. I initially owed over XXXX now down to around XXXX, currently struggling due to numerous XXXX of severe XXXX and XXXX and out of work on leave without income. It was a lie on their site and am very upset.
Company Response:
State: NJ
Zip: 07748
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have contacted Sallie Maes Customer service department of the advocate who pushed me to Navient as they claimed my loan was sold to them, therefore have no records. BUT, its Sallie Maes name on an income execution that is the main issue. Loans that were discharged over 10 years ago are being collected on by a XXXX and XXXX XXXX. This company was told over 10 years ago to stop collection and now that Sallie mae has no records, they proceeded with the collection and went to court to get a default judgement, never serving me paperwork in the process. I was never given a chance to defend myself. I am being sent from Sallie Mae to Navient and not getting any help. I received the paperwork on garnishment on XX/XX/XXXX and it starts XXXX days from XX/XX/XXXX according to the paperwork I will attach here. There are XXXX total garnishments they filed for, all of which Sallie Mae stopped collection on. My email to Navient is as follows : Hi : My name is XXXX XXXX and I received paperwork yesterday from the XXXX XXXX XXXX office that my wages were being garnished from an old Sallie Mae loan that was XXXX from a rep over XXXX years ago. The company who filed this under Salle Mae is an operation named XXXX and XXXX, located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and their phone number is XXXX. My complaint is as follows : 1. I was never served nor told of this lawsuit being filed ( I contacted the court to determine the next step, filed a complaint with the XXXX State Attorney Generals Office and filed with the XXXX and Consumer Advocates ) 2. This debt was discharged over XXXX years ago and now they are collecting under Sallie Mae , Inc as Administrator and agent for XXXX XXXX XXXX XXXX XXXX XXXX 3. After speaking with Sallie Maes customer advocates office, I was told to contact Navients 4. Last time this actions took place, XXXX and XXXX was contacted by Sallie Mae 's Consumer Advocates office to stop the process while they got things figured out and then stopped collection as these loans were discharged as not mine. 5. My attorney has advised me of steps we can take if Sallie Mae or now Navient, does not stop this collection as it was done by going around my legal rights Please, contact XXXX and XXXX and stop this process so this can be finally ended! It stopped in XXXX or XXXX, as the loans were discharged, then I got paperwork saying collection ended. I don't have this letter as its so long ago but it must be in your system. I know XXXX and XXXX can be contacted to stop this as it was done before and the Sallie Mae rep said they were a new company so they had no records of me, but you would. I can be contacted at XXXX to answer any questions, but I am also attaching a copy of XXXX of the XXXX Income Execution docs sent to me from the Sheriffs office and received by me yesterday for you to use. If needed I have all XXXX that can be sent. Thank you and time is of the essence as they are collecting this XXXX days after XX/XX/XXXX. Please at least get this paused while you search to get this figured out, as this ended XXXX years ago. Thank you XXXX XXXX
Company Response:
State: NY
Zip: 14075
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A