Date Received: 2019-10-31
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I made a scheduled payment to Navient on XX/XX/19. My payment was not late and it was made in full. On Tuesday, XX/XX/19, Navient proceeded to call my place of work. I work in a restaurant, and the owner of the restaurant answered the phone. He was unhappy that I had received a personal call on the restaurants phone line. I was also in the middle of a busy lunch shift and did not have time to talk to a representative on the phone ( about a payment that had already been submitted ). My manager later informed me of this phone call from Navient. I called my account manager to make sure that I had indeed submitted this payment, and she said that I should absolutely have not received this phone call. I do not appreciate being harassed at my place of work for a payment that had already been made. I also did not wish for my coworkers and restaurant owner to be aware of my crippling debt.
Company Response:
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received an email stating that my requested forbearance has been approved. I NEVER requested or had any intentions on a forbearance. My account was over 100 days past due. I was leaving it as such. Because I have no means of paying my student loan ( s ) now generally speaking. When originally asked prior of other options. I was notified that only forbearance was a temporary option. Months prior. Little did I know that was Navients way of adding fees. Also little did I know. Account information was incorrect. But that wasnt my issue this time around. They finally have taken it too far. After this letter of forbearance came. I called them to state I did not under no circumstances request one. And have no means of paying. They placed me on hold only to say the co-signer requested it. Yet a request for forbearance would state and show a payment. Reguardless if thats true Im primary and I know I NOR the co-signer can pay. I didnt really agree that the co-signer requested it. But I left that issue alone as I learned months ago after speaking to customer service. They arent in the business of helping. ( I have no problems with my federal loans they help ). Anyways. After my first phone convo. They agreed to retract and remove anything pertaining to the forbearance ( Friday ) I called the following Monday as I havent seen an update on my request. I was told it is being processed and they see it in the notes. Called again on Monday. Still nothing. Now my account states past due only one month. It is a lie. No payments have been made on this account. Ever!!!!!!! Beside forbearance I felt forced into. At the time between losing a job due to injury. Everything seems like the only right thing to do. Again Ive contacted navient. They have yet to change anything. Next step is reporting them to the credit bureau for lies of receiving payments. And putting my account in forbearance without my knowledge or consent. This company is doing whatever they want. Creating false amounts, false payment status, false forbearance not handling their promises. I have made it clear no one on this account can pay or continue to pay the amount they want. I only asked that my a be handled correctly. Reported to credit bureau correctly. In no shape or form do I want my account look as if i paid or agree to a forbearance. As every three months they report to the credit bureau past due on an account that has never been paid on. Its way over 90days past due.
Company Response:
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Returned for my XXXX at age XXXX and had to borrow money to attend and living expenses. Had around $ 55K in loans when I began XXXX in XXXX. Got {$17000.00} forgiven after 5 years XXXX XXXX in XXXX XXXX system. At one time the monthly payment was {$680.00} per month. Renegotiated with Navient a payment of around {$300.00} per month since XXXX and been paying on this loan for 12 years ( to other lenders ). Somehow the payment has increased over the past 4 years from {$290.00} to {$310.00}? Still owe over $ 15K and have been denied any Public Service Loan forgiveness twice in the past year. At the current rate and payment of $ XXXX/mo, I still have nearly 5 years of payments. HELP ME PLEASE! I have paid the balance of the original loan and thousands in interest over the years. I should qualify for some type of forgiveness.
Company Response:
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I went to college when I was just a teenager in 1998. I did not have parents who financially helped me. I took out student loans, this was not fully explained to me. Often I was encouraged to take more money to support myself through college. After school during the repayment process I could not afford the loan repayment. I was placed in deferment accruing debt and I did not realize the full implication of this ( I was XXXX when I graduated ). Since I am a XXXX I was eligible for a public service loan forgiveness this was never offered to me. They consolidated my loan and this changed my loan forgiveness date restating the date of my loan ( I was not aware of this until years later. ) I have been asking for help with the loan amount and all they ever offered was deferment and my loan continued to grow. I graduated nearly 20 years ago and I have over XXXX in student debt despite what I have paid over the years. Is there anything you can do to help?
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Navient student loan put me in an repayment plan forbearance, didnt explain properly what it is and now i have XXXX monthly payment i cant afford, tried asking for income driven repayment declined and gave me forbearance which has doubled my debt.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Started with XXXX in XX/XX/XXXX. I had a XXXX XXXX and I was advice to slowdown working. I was working for XXXX in XXXX XXXX XXXX XXXX. I was granted my XXXX on XX/XX/XXXX. My next goal was to the XXXX in XXXX on XXXX XXXX, granted on XX/XX/XXXX. The next was rectification for XXXX XXXX on granted on XXXX. XXXX XXXX XXXX XXXX. When I completed my education working on the documents listed. I started my education XX/XX/XXXX through XX/XX/XXXX. My work was after work hours. NAVIENT bought my education work. I was advice by NAVIENT that I had approximate {$31000.00} of work that I was to complete. XXXX advised me that I had no payments. Not sure they had any time or work to complete. I am a XXXX XXXX XXXX veteran. I am veteran with XXXX due the XXXX XXXX XXXX with a XXXX and I am with XXXX problems. I am not working now and I was out of for 15 months.
Company Response:
State: KY
Zip: 400XX
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been working with Navient to pay off my student loans for several years. I set up a graduated repayment plan for my loans and track independently as well as on their website when the minimum amounts change. After my XXXX payment ( XXXX ) I noticed that my minimum payment for the next month ( XXXX ) went down by {$20.00}. I did not request a reduction, I had anticipated this amount going up as I entered the last few years of payments. Although I understand that I can overpay, if I had not caught this it would have extended the amount of time I was paying on this loan. I intend to pay it off by the end of this year, but this seemed an inappropriate change, especially because I did not request it and I did not approve it. In addition, recently my parents paid off loans for my brother. My father co-signed one loan with me but my parents do not and did not intent to make any payments on my loans. My parents arranged to pay off his loan with proceeds from selling their house ( yes they are selling their house to pay off student loans ). Navient was supposed to put all the funds towards my brothers loans so that those would be paid off. Instead they made a partial payment to his loan ( leaving a balance ) and then put money on my loan which was NOT something that was discussed or requested. After some time on the phone in a 3 way phone call with my self, my father and Navient, they said they would take the funds back, pay off my brother 's loan like they were supposed to and return to my parents and unused balance ( even though my parents sent in the amount they were told would cover the whole balance ). I have paid off 4 of my 8 student loans ( undergrad and graduate ), each time I paid off a loan I sent in the amount listed under the section on their website " Ready to pay off this loan today? '' This is where they list the amount you should send in if you are paying online or through the mail. I pay my loans exclusively online. I would send in the amount directed on their site for that specific loan only to have a small remaining balance after my payment cleared. Every final payment ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) had to be sent in twice. Once for the amount they suggested and then again for a small amount, usually a couple of dollars $ XXXX, in addition because in the time I sent in the amount they suggested and when they chose to process and post my payment they would charge me additional interest. They know how long payments take to post, this is why they have a online vs. by mail suggestion for the final payment. This is a trick to collect more interest and avoid giving me the information I actually need to complete the final payment. I believe this same type of motivation was behind posting the payment to the wrong loan, to avoid the loan being paid off to collect more interest in between when we processed these payments, identified the errors and made the corrections. For the first example with my brother 's loan and my parents payment, they said it would take until the XXXX of XXXX ( original payment made XX/XX/XXXX ) to show the transactions had been fixed. I asked the customer service representative if they would be charging interest to my brother 's loan, knowing they are the reason it is not paid off and now needs to wait until the XXXX to be processed properly. The representative said he would make a " note '' that the payment should be back dated to try to avoid additional interest.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I need to see documents show the loans I signed for vs what is appearing on my credit report. I didnt not borrow XXXX. I will have to seek a court order to get this records if navient won't comply. You are incorrectly reporting the initial amount i borrowed which has compounded into this massive overwhelming amount and it's unfair. I was coerced into forbearance. I wasn't explained thoroughly. I was in default and didnt realize it. Payment sent were not applied. This has turned Into a nightmare.
Company Response:
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Student loan from Sallie Mae in XX/XX/XXXX still on my credit report that states in default collection. Called Sallie Mae when I payed everything off! Represtative stayed all loans were ALL PAID OFF IN FULL. Merged with navient got collection letters calls. No bills to my address never once did I receive a bill! This account was in XX/XX/XXXX and should have been removed permanently in XX/XX/XXXX even if I was in default which I wasnt! This is unlawful and unacceptable when I have paid this off. Not to mention got a confirmation from the representatives. Now I am struggling with correcting my credit. Also going thru XXXX. And lastly the school has been CLOSED. I just want an honest person to close my account so I can more on with my life and not deal with this outrageous account balance.
Company Response:
State: TN
Zip: 37862
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: We have been receiving daily robocalls, for at least two weeks ( as of XX/XX/2019 ), usually between XXXX and XXXX in the afternoon, from Pioneer Credit Recovery, claiming that they are calling about debt collection. There are a number of things about the call that scream 'scam ' to me - too many to list here. The call is always the same recording, whether I answer or if I let it go to voicemail. There are no specifics, but always a statement that I need to call them back at an 800-number. There is no ability to connect to a real person when I answer the call We have no unpaid debts, and our credit is golden. This is definitely a scam, and has risen to the level of harassment. The call is always from the phone number XXXX. The call-back number is always XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A