Date Received: 2022-12-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My taxes were taken to pay a XXXX balance 2years later the department of education said I owed this again so I paid it again from money given to me during COVID recently I was interested in returning to school and they are now saying I owe and additional XXXX $ and I shouldn't owe anything something is wrong please help
Company Response:
State: TX
Zip: 77026
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I had over {$20000.00} in student loans when I graduated in XXXX. For years I was given an unmanageable payment amount of between XXXX XXXX. I did not start working fulltime until 4 months after graduation and I started at XXXX. I tried to talk to them about my payments but they remained high. As a result, I attempted making the payments but ultimately ended up with a lot of forebearances. After forebearances, of course, the amounts went up even further due to capitalization. Eventually, I ran out of forbearance time and still couldn't pay so I went into default. In the process of forebearances and default, my loans went from company to company. In XXXX, I was suddenly eligible for an income repayment plan. I was put on a very affordable payment plan of XXXX dollars and change each month and made the payments XXXX. In XXXX I had some payment difficulty and while federally we were aloud relief from payment, Navient refused me. I was soon able to get back on track. In XXXX my payments we up but were still under XXXX. This I understood because I was employed with a school district that was paying me XXXX year so my income was also up. I lost that job and ended up on the XXXX year of XXXX and also ended up having to move. My new job was a cut in pay so I expected my payments to go back down. Instead they have gone up to XXXX and chance, almost triple where I started don't this plan in which I had been much more successful than before. In asking about why this increased, they told me that the income repayment plan no longer goes by just my income but now also the amount of my capitalized debt. They also could not offer me anything lower they said. This past month I fell behind and paid XXXX weeks late. Now, this week they are stating that I am 30 days delinquent and am offering me a XXXX payment plan. The lady told me that on either plan, my payments would continue to go up over time as they continue to capitalize each day. In addition she claims that I still have not made a payment although I did last week. I asked her why I am not eligible for any of the deferment and non capitalization that is given federally on my FEDERAL loan. She told me my loan is now a private loan because it was with Navient. Navient is who contacted me when I went into default and set me on the income based repayments. They asked me when I got on the payment plan if I wanted to stay with Navient or go to another company. I told them it did not matter as my loans had been moved several times. I did not know staying with Navient would be a prison sent basically and I greatly feel that they have defrauded me and worked against me. They tiled me this plan needed to be renewed each year which I have done and that my payments would be based on my income. They also told me that after 25 years my debt would be forgiven but that I would have to pay a tax based upon the forgiven amount. No mention was made of the payment plan going up based upon capitalization. After almost 20 years of trying to deal with those insurmountable debt that just gets added to, I am fed up! Every opportunity for relief seems to come with some loophole that makes the relief null and void. Also, it seems that the terms that are promised to be permanent upon agreement are changed to me the needs of the lender over time. I bankrupted in XXXX and yet this is still with me bringing me down. Please put a stop to this behavior as these people are greatly taking advantage of many!
Company Response:
State: MO
Zip: 65301
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Navient is attempting to collect a private student loan debt that I am the co-signor on for my XXXX. I am paying on the debt weekly to the best of my financial ability and Navient continues to call me repeatedly and daily up to 15 times per day. They also send repeated letters threatening default and other legal action. This is causing great emotional and financial stress. They are refusing to work out a payment plan but continue to cash the weekly payments and continue to place upwards of 15 phone calls daily. I have been making weekly payments for 16 weeks Navient has never provided a copy of the original loan documents. I am not sure that Navient was the original lender.
Company Response:
State: MI
Zip: 48135
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This company navient has been the worst company to deal with. The alleged student loan that I have with them as the servicer has been sold the alleged loans to XXXX XXXX XXXX. They sent correspondence in the mail which had the phone number to reach them if I needed assistance to call the number on the letter which was XXXX I called that number on XX/XX/22 to confirm the status of the account and was told it was in good standing and not in jeopardy of any negative reporting or action. Once I got an alert of the 90 days past due filing I contacted them and said I already spoke with someone from their office. They said you spoke to the wrong office. I told them I called the number that was on the letter they sent me. they said it must have been an error in the correspondence. I said that error in the correspondence could have prevented the current situation of the negative reporting. They gave me the wrong number the wrong address and the wrong department. I have spent 5 hours trying to resolve this issue with navient and they were no help at all. I also asked them who gave the authority to publish negative information about payment history to my consumer report. I have never provided them with written consent to do so and they failed to disclose my option to opt in or opt-out of reporting. The reporting that they listed as 90 days past due as of XXXX is in accurate because if the account was allegedly current all year which the report shows, how could it be 90 days past due in XXXX?
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: After filing a complaint about not getting my IBR application submitted by student aid dot gov to Navient, my application was finally submitted. On XX/XX/XXXX, I received an email from Navient that my application/ recertification was denied based on lack of financial hardship. This isnt correct because my other federal loan servicer, XXXX, approved me for partial financial hardship and recertified my IBR application back in XXXX. I cant have XXXX servicer approve me for IBR and have another servicer deny me. By accepting IBR my husband and I pay taxes separately and forgo any benefits associated with filing jointly. In addition, by being under an IBR plan, I am not permitted to reclaim my interest payments in my taxes every year. Therefore, getting approved by XXXX servicer but getting denied by another isnt even contemplated by this IBR rules. You are either eligible and your payments are lowered across the board at all federal servicers, or you are not. My situation is that I have been approved and my payment lowered at XXXX servicer but I am denied at Navient. I spoke with student loan ombudsmans officer but they told me to speak with Navient ( XX/XX/2022 ). I spoke to Navient XXXX and she told me she already tried to get me approved but I needed to reach out to student loan dot gov if I had a problem with their calculation method ( XX/XX/2022 ). I reapplied today on student loan dot gov to hopefully facilitate the process but I assume they will deny me again.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Im writing this complaint due to my private student loans through navient. This started when I transferred to the XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Florida from XXXX University in Alabama. When I talked to what they claimed to be student advisors they told me that they were an accredited university and that my credits would transfer and they had plenty of options for me to pay for schooling such as ; financial aid, scholarships and grants. A lot of the conversations were over the phone due to me living in Alabama at the time. I would often get brochures showing me how well the school has excelled since being an accredited university. So I decided to make the move and start my new journey. When I arrived in Florida I had the chance to actually see the school in person, but I noticed that some of the things told to me previous to moving werent the same now that I was there. When I called my previous school of XXXX university I was told by them that my credits were not transferable due to XXXX XXXX XXXX XXXX XXXX XXXX not being an accredited university this made me very weary with knowing that I just made this big move. When trying to get funds for schooling they later told me that my fasfa had ran out and no scholarships were available at the time. While dealing with this whole mess, I was ready to back out completely but when they told me that if I dont attend now that the courses I need to pursue my major would not be available to me after this point I felt cornered and pressured with not having any parental guidance nor guidance from the university. They told me the only way to get in was to try for a personal loan which they also added that I could get in my name and all I needed were references I later found out that they had forced my mother to enter as a co-signer explaining that is was just temporary and a precaution to better my chances. The loan was originally for {$12000.00} from XX/XX/XXXX until XX/XX/XXXX after a car accident that halted my transportation I decided to drop out before XX/XX/XXXX. Years later I would receive letters about repayment with not being able to repay what they asked, at the time I asked for options they told me that forbearance was my best option it would stop payments they never explained that my interest would accrue so high to the point that my total bill is now over {$29000.00}. And I attended the school for only one full semester. I have been threatened my mother more importantly has been threatened with them trying to put a lean on her home and countless other threats. I feel that this whole process is illegal especially the school I attended is permanently closed since 2015. They and navient have had countless lawsuits against them for partnering together to lure young kids like myself into signing up for this life long trauma. I just wanted an education that they told me was possible they promised me with job opportunities and as above, financial aid, grants and scholarships which none of the above have not nor were true. No one can even context the university to get my withdrawal dates or any other information that could be needed
Company Response:
State: OH
Zip: 44004
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I've been paying on my Navient loans for 10 years and stopped paying them as my balance due is more than what I borrowed. I need assistance with dealing with them because no one will help. They were supposed to send me what I borrowed and what I owed and I have not received anything in the mail.
Company Response:
State: NE
Zip: 691XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX I paid the remainder of my private loan, on XX/XX/XXXX I reached out to Navient regarding a refund for the over payment of {$130.00}, I was told by a rep name XXXX that he was entering the information for the process of my refund in the amount of {$130.00}, I informed him that I wasn't able to stop the payments in time which it will be another payment amount of {$130.00} on XX/XX/XXXX, I would like both of those payments be refunded to me. I was told that it will take 7 days in order to get that. On XX/XX/XXXX I spoke with a XXXX with Navient, he stated that the rep that enter the first time made it come up invalid. At this point I would like my refund in the amount of {$260.00} be process expedited quickly as possible so I can finally be done with Navient. It's bad enough I had to continue paying on a loans from XXXX XXXX which was found guilty in fraudulent practices. This whole ordeal have been very emotional. I already lost my XXXX XXXX XXXX that can't be returned due to XXXX so I would like my refund, this matter forever closed.
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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 confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under dn open end consumer credit plan as late for purpose.
Company Response:
State: OK
Zip: 73072
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A