Date Received: 2021-08-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been renewing my student loans for about 9 years but did not receive a renewal application for IBR last year and this year. I faxed Navient but did not get a reply. Hope you can assist me with this issue. Thank you, XXXX XXXX
Company Response:
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XXXX, I paid the following amounts on the loans as indicated ( see attached document for bill pay allocation and statement confirming payment was sent ) : Federal Loans with Navient {$200.00} XXXX Signature Loan {$72.00} XXXX Signature Loan {$55.00} XXXX Signature Loan {$66.00} XXXX Signature Loan {$170.00} XXXX Signature Loan {$80.00} XXXX Signature Loan {$120.00} XXXX Signature Loan {$49.00} When they received the individual payments, Navient misapplied them. This is how Navient applied them ( see attached documents from my Navient dashboard showing min. payment due, late fee and payment allocation ) : Federal Loans ( 1-17 and 1-18 ) {$200.00} XXXX Signature Loan {$8.00} XXXX Signature Loan {$5.00} + {$55.00} = {$61.00} XXXX Signature Loan {$7.00} + {$66.00} = {$73.00} XXXX Signature Loan {$20.00} + {$170.00} = {$190.00} XXXX Signature Loan {$9.00} + {$80.00} = {$89.00} XXXX Signature Loan {$14.00} + {$120.00} = {$140.00} XXXX Signature Loan {$5.00} + {$49.00} = {$55.00} As a result, less of my payment goes towards the higher interest rate loan XXXX and in addition, I am being charged erroneous late fees and receiving multiple calls per day from Navient which is disrupting my ability to focus on work. This has been an on-going issue, please see complaint XXXX submitted with CFPB on XX/XX/2021. This complaint was marked as closed and I was assured by XXXX XXXX that this issue was corrected and would no longer occur. Please see the letter from her, which is attached. I would like to point out that this issue has been ongoing for a while prior to my initial formal complaint with CFPB. I have spoken with Navient numerous times over the years to rectify this, each time being told to jump through another hoop. We have met every single demand they have given us ( demands that change each time ) in order to allocate our payments as we indicate, however they never honor their promise. In addition to the fraudulent way they handle my payments, I am being incessantly harassed by Navient due to the erroneous late fees that result from their misallocation of my payments. Last night, at XXXX, I answered the sixth phone call from them that day. Their employee who called me was aggressive, rude and unprofessional. When I attempted to explain to her that this issue has been happening to my account for years and that every single time it warrants a discussion with a manager and still doesn't get resolved, she got defensive and told me I don't know her nor her capabilities. When I explained to her what has been going on, she said I sound misinformed. She was yelling at me, talking over me and clearly incapable of handling the problem, not only due to her role, but also due to her inability to listen to the problem and remain professional. So not only am I being defrauded by Navient, I am also being harassed and attacked by Navient as well. I am distraught because there seems to be no recourse and no accountability. My mental health is suffering due to Navient 's abusive practices. My work day is getting interrupted by their constant phone calls. I am losing sleep, having XXXX and XXXX due to this issue. I am a person, Navient is a huge corporation. I see no way out of this massive burden despite following all of the rules. They have proven time and time again that they can do this to me and others, and since we can do nothing and they continue to profit from it, they will continue to do this. Where is the consumer protection?
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am a service member on XXXX XXXX in the US Military. I enrolled in a university for my XXXX XXXX starting in XXXX of XXXX. I contacted Navient to put my loans on deferment or hold as I am in school. I filled out numerous forms and Navient refused to put my loans into in school deferment. Navient only put my loan in forbearance but also put late feeds to my account. After 1 who year my loans still are not in forbearance or deferment. Even with multiple phone calls Naviant is not able to help. Naviant also has reported my past due for the past 4 months when I have sent them every document. I want them to remove my negative remarks on my credit and back date and remove fees an interest since I qualified for in school deferment starting in XX/XX/2020. This violates many federal laws including service members civil relief act.
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Navient on XXXX contacted my neighbors and disclosed my student loan debt and attempted to get information about me. They already have all my contacts and work information.
Company Response:
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts appear on my credit report, they do not belong to me, they are hurting me, please review them Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft NAVIENT Account Number : XXXX This is not mine. 3. Identity Theft NAVIENT Account Number : XXXXXXXX This is not mine. 4. Identity Theft NAVIENT Account Number : XXXX This is not mine. 5. Identity Theft NAVIENT Account Number : XXXX This is not mine. 6. Identity Theft NAVIENT Account Number : XXXX This is not mine. 7. Identity Theft NAVIENT Account Number : XXXX This is not mine. 8. Identity Theft NAVIENT Account Number : XXXX This is not mine. 9. Identity Theft NAVIENT Account Number : XXXX This is not mine. 10. Identity Theft NAVIENT Account Number : XXXX This is not mine. 11. Identity Theft NAVIENT Account Number : XXXX This is not mine. 12. Identity Theft NAVIENT Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 15. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 16. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 17. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 18. Identity Theft XXXX Account Number : XXXX This is not mine. 19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 20. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 21. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Navient and Navient DOE hold my student loans. I have been paying on them for over 10 years and I owe more than I borrowed. Lately the USPS has not been delivering my payments on time and I am being charged late fees. it takes a month for 1st class mail to get to Navient or Navient DOE. Same as to when I receive my monthly statement from the lenders. I will not let Navient do direct withdrawal because they have been found guilty of predatory lending practices. I have filed complaints with the USPS about delivery delays but they refuse to resolve or even investigate the problem month after month, year after year. XXXX XXXX of the XXXX XXXX is the person assigned to each complaint and does nothing. I write the date of receipt of every payment coupon and the date I mail it, along with ck # and amount. I pay over on each payment by the way. I photograph each payment, envelope and check before I send it. I have had my mail tracked by certified/return receipt. The malfeasance of XXXX XXXX and the the USPS is causing me to pay late fees and Navient continues to charge late fees. This has been going on for years and has nothing to do with COVID delays.
Company Response:
State: AZ
Zip: 85364
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Two years ago Navient placed me on a plan that Id have to renew every six months with step rate payments. I started off paying around {$180.00} a month and most recently my payments were up to {$240.00} per month. The program allows you to slowly work your way back to the full payment amount which is {$330.00} for my student loan. When I extended the lower payment program in XXXX they advised me to call back after my XX/XX/2021 payment if I still needed the assistance, which I do. I called them today XX/XX/2021 around XXXX and initially spoke to an employee named XXXX who asked me the number of people in my household and my salary, after providing it to her she advised there were no options for me. I asked to be transferred and instead I was hung up on. I called back, XXXX answered once again and this time she transferred me to XXXX employee ID XXXX. I went through my financials advised her my salary is {$3600.00} a month, my expenses are right around {$3600.00} a month, and I have a four person household of which two are my dependents. I only provided her my portion of the bills because my husband takes care of anything I can not afford. I advised her that I could still pay the {$240.00} or even a slight increase to {$260.00} but she stated there are no options available to me and its Lender discretion as to whether they provide you options or not, which to me sounds like they are ELECTING to not help me any further. For two years Ive made payments on time and Ive kept my promise. The lender clearly advised the lower payment options would be available until I made my way to the actual payment amount of {$330.00} and based on my calculations I should have at least 2 more years of lower payments available until I reach the full amount. I have ensured payments were made during covid even though all other student loan companies allowed for deferments Navient would not, and now theyre not even willing to assist a borrower who is trying to do the right thing and is asking for assistance. I would like my loan and case reviewed because Ive been faced with a lot of abusive practices from Navient over the years and I havent complained. Ive received threatening calls and emails, impacts to my credit report even when Ive tried to work with them and now Im facing another issue because I cant pay the full amount, my credit will be impacted again even if I remain paying the lower amount. At this juncture I have no options but to file a complaint with the CFPB. They have at minimum violated the following regulations UDAAP, Fair Lending, and FDCPA and I need someone to look further into my case. I thank you for your time and consideration.
Company Response:
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid a collections company to settle this account in XXXX. The account should have been closed with a XXXX balance at that time. Somehow Navient reopened the collection process with the same account number that was previously settled. I have attached the original letter from the collection agency ; the payment history from Navient showing the amount of the settlement and a XXXX balance in XXXX. Then in XXXX Navient began the collection process for the same account. You can't collect on a previously settled account.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XXXX certified mail was sent to remove all alleged debt reported without my ( the consumers ) consent to XXXX and XXXX in regard to these alleged student loans. Exhibits were attached in the form of my actual credit report. I am hoping to receive a reply but in the interim, I am filing a complaint ; as my rights have been violated. I am also looking for monetary compensation in the amount of {$5000.00} for the distress it has caused both myself and my family for 5 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1681 & 1692 and this retribution is minute in comparison to many other violations that could be claimed under this section. Please see below explanations. 1. According to the Fair Debt Collection Practice Act section 15 USC 1692e I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment. 2. According to the Fair Debt Collection Practice Act section 15 USC 1692e the said debt collector must not use any false nor deceptive/misleading representation. This includes but is not limited to the use of any business, company, or organization name other than the TRUE NAME of the debt collectors business, company or organization. None of the alleged debts have been validated nor represented by the original creditor. And there is reason to believe these alleged debts were sold. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights pursuant to 15 USC 1692d ( 4 ). 3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission ; using my name and personal information by which to do. 4. According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability. 6. Pursuant to 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card pursuant to 15 USC 1602 ( l ) is any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Hence, my social security card. In fact, my social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, pursuant to the above, this is a violation of my rights as a federally protected consumer.
Company Response:
State: MI
Zip: 48047
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: On XX/XX/2021 at approximately XXXX I received a voicemail from the following phone number XXXX XXXX XXXX XXXX XXXX claiming that they are representing the department of the treasury XXXX This is an important message from Pioneer credit recovery Incorporated this is XXXX I'm calling on behalf of United states department of the treasury the law requires we notify you that this is a debt collection company this is up to collect a debt and any commission obtained is used for that purpose call us back today at XXXX and when calling back please reference ID XXXX once again the call back at XXXX I have searched the phone numbers for any relationship to the department of treasury but I can not find anything related to the government but I was able to match it to a debt collector XXXX : XXXX. I believe these are scammers and they are impersonating the department of treasury.
Company Response:
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A