Date Received: 2019-07-11
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: My student loans are with Navient Solutions , LLC . This company has forced me into forbearance in that the would not lower my monthly payments to a payment that I would fit me. On XX/XX/2019, the company approved a forbearance only because they denied me a deferment. The reason the company said they denied deferment was because " Your income is greater than the poverty level guideline for your state and family size. '' I would have never asked for a deferment or a forbearance if the monthly payments were at a payment that I could handle. In XXXX of XXXX, I emailed the company and told them that the monthly payments were too high, even after I applied for income base repayment. The company refused to deny payments in my best interest. Therefore, it pushed me to either defer my payments or apply for forbearance. I also had a loan with a school that was a for-profit school, XXXX XXXX. This school is no longer open and credits were not transferable to any college. The college was not accredited.
Company Response:
State: MS
Zip: 39157
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I paid off Subsidized Loan XX/XX/102019, Now their is a balance of XXXX their but the payment I made was to pay it off I have called 3 times why is this amount their when I made a pay off on this account they will check into it. again I called they will put in top priority and call me on the XX/XX/XXXXthis month. Iam paying interest on this now when it should have been paid off already this is not fair to me!!!
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This company continues to call my workplace and people in my social network, including but not limited to, another XXXX in my town and my neighbors. Using harrassing tactics and ruining my reputation. If they really want to see any loan repayment they are sabotaging my ability to do it. They have called me twice at work per day and many times on my cell phone since Monday. Interfering with my ability to work. Today at XXXX XXXX they left a voicemail message with a XXXX who is clearly not even related to me. I have a screenshot of said message if necessary. Several months ago they contacted my neighbors and XXXX friends.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Hi, I was enrolled in XXXX XXXX College from XXXX to XXXX. Turns out that XXXX XXXX was one of the for-profit colleges. I'm being told a company that goes by XXXX that I can qualify for loan forgiveness and I want to know if this is something you can help me with. They're telling me because of the William Ford act that President Obama passed I qualify because of my income. They want me to pay them a fee are there services and they can have me pay the debt collection agency {$5.00} a month for 9 months and after that my balance will be zero dollars. Please get in contact with me if you know anything about this or there is any help that you can provide. Thank you
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have federal student loans that ended up with Navient. At one point, I was paying them - or so I thought - through a 3rd party debt consolidator. To my shock, that company was a fraud. I had to, then, discuss repayment options with Navient, stressing how very difficult it is to afford the options they presented. They suggested recalculating via the website. Not only has Navient been less than helpful or understanding, but, I'm now receiving harassing robocalls 6 - 12 times a day, all throughout the day, weekdays and Saturday. This is well outside of the call times I specified to Navient, which they still have on record. Additionally, somehow Navient has discovered my WORK phone number and has been calling multiple times throughout the day, for weeks! This is a severe problem at my work. Because my office is extremely quiet, the frequency of these outside calls ( indicated by the double ring ) misconstrues itself as private phone calls during company time, which is detrimental. I sit within ear shot of managers, executives, directors, etc. I never gave Navient my work number. It's not on my profile. I never gave it out. How was it found? Endangering my employment will only serve to exacerbate strained finances.
Company Response:
State: NY
Zip: 12205
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Loans went into repayment in XXXX after I finished graduate school. I didn't successfully complete certification for my new career until XXXX of XXXX. Between that time my loans had been transferred to Navient of whom I contacted several times to see if I could pay a reduced amount toward my loan. They told me they could not accept any other payment other than what they had stated to me during my conversation with them. I explained that I could not afford the amount they wanted me to pay, but I could make a monthly contribution within my means so that I could just start repayment. Over and over again on calls I was told that NO money would be accepted and instead my loans were placed into deferment, then eventually forbearance which over time has collected a large amount of interest. In XXXX I was pretty much forced to find a solution to my loan debt or else my loans would of defaulted, or so I was told by a Navient representative. I did find out later that I could of went on an emergency forbearance in order to prevent that. That did not happen because I was not offered that option that time through Navient. They basically said that was the only option, start paying or be placed in default. I had to do something, so I enrolled with a third party servicer, XXXX XXXX in XXXX. I learned that this company also has a lawsuit filed against them. I received information from the Federal Trade Commission regarding the lawsuit in XXXX of XXXX. There is no secret that I was not able to maintain and live with a large monthly loan payment. Even on the repayment plans offered this is not conducive. I have offered in most recent years to pay XXXX XXXX monthly with my now servicer XXXX, and they too have said that they can not accept the payment. In my case I am looking to have my interest fees waived during the time my loan was being serviced through Navient ; in particular for giving me false information regarding repayment options and resolutions for my student loans. I would not have entrusted my student loan to a third party servicer, but I felt I had no other choice. XXXX as far as I know was not making full payments on my behalf towards my loan either. I am not quite sure how to go about collecting my year 's worth of payments made to them. I am willing to pay, I just want fair options and opportunities to be presented to me in doing so.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I was given a student loan with Sallie Mae ( now Navient ). I was XXXX at the time and didnt know what I was doing. The initial amount was for {$10000.00}. The loan now is around {$25000.00}. Over the years Navient has urged me to pay the minimum amount of apply for forbearance with ballooned the loan up to 200 % what it initially was. Navient has been unwilling to lower the interest rate or principal amount. My complaint is that they use deceptive practices to naive college students to keep them in debt.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Hello, For the past 9+ years, I have been struggling in dealing with Navient about the information of my student loans. Over the past five years, I have been under the impression that I was on a 10-year repayment plan. I was told be several representatives that I would have my loans paid off within 10 years but to my surprise, I was misinformed. I asked for there assistance in finding a repayment plan that would be best for my needs, with have XXXX kids/supporting a family. I was told that I had to call Student loans.gov when I found out that I had been misinformed about by debt and repayment plan. In actuality, my debt had doubled due to the interest and the type of loans I had and I was not informed about this happening when I directly ask the representative. Today I called Naveint customer service to obtain more information about my loans and why my payment had increased without any contact from their office. The replay I received was short and was never answered, again I was referred to call student loans.gov. I ask if I could change my repayment play to another and I was told that the standard payment plan was in the best of my interest and I would have them paid off in 10 years but this also was untrue. I have now filled out an application to consolidated my loans and move to a different provider. Please if there is anyone out there who could help me I would greatly appreciate it. I can not afford to pay for the ridiculous amount of interest that has occurred because I was misinformed by Navient 's representatives.
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: The loans are giving me hardships due to not being able to live off of the income post loan payments. We never missed a loan payment at all and should be able to have some help in this stage. Also, the school misled us ( Co-Signers and Borrowers ) on the loan payments nor the amount of money each semester. They also mislead most students on how they said they would offer help to the graduating students on getting jobs in their field and almost half couldn't get a job in their field at all.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Once I realized in mid XXXX that my 4 accounts were reduced to 3 accounts with Navient student loan company, i contacted them. First i was told it was still 4 accounts and that I am not due to pay any amount since my loans are on administrative for forbearance. Same year, I got a credit score report with my score plunging down due to derogatory reports from Navient that one out of four loans was in charge off/collection. I started to make numerous phone calls, send emails and postal mails with dates. I would stay long hours on the phone to resolve the issue, I even disputed credit reports through the credit unions all to no avail. My credit score continues to be affected by this monthly derogatory report and am not able to qualify for any credits whatsoever because of it. I made many calls requesting that my one account gets moved back to the current accounts like my 3 other accounts. I sent so many emails until they stopped accepting emails from me and I would get undeliverable messages from Navient. I do not know who else to go to and what else to do. Legal actions do take time and money so I was advised to file a complaint through this website. The last time I tried to solve this was Friday XX/XX/XXXX on or around XXXX. I spoke with XXXX XXXX then XXXX XXXX, then XXXX XXXX who went through all the payments and determined that the error was made in the manner they split my payment. I always made one consolidated payment for my 4 student loan accounts that is sending only one payment. According to XXXX, she determined from her search that at sometime in XXXX of XXXX they made the mistake and missed one account when they were crediting all 4 accounts. According to XXXX, she said that in XXXX, they reported the account since it was in collection/charge off to credit reporting agency. XXXX finally indicated that this can be fixed since she is able to locate the reason and it can only be done by customer service. XXXX XXXX then transferred me to customer service escalation team rep XXXX XXXX to fix the problem. XXXX said she will contact the necessary departments and get it resolved by pulling it out from collection/charge off. I have continued to be in contact with Navient staffs and no matter the promises I got that it will be fixed, it was never done. I plead that you help me resolve this as my credit score has been bad for years because of this monthly reports. In addition to these derogatory reports, the loan amount continues to increase. I even sort an attorney to discuss this, after the attorney reviewed all the files I sent to him, he wrote them and was on the phone with me and them in XX/XX/XXXX when they said it will be resolved by customer service escalation team, XXXX.
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A