Date Received: 2019-06-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: It's not really a complaint. Just a request for explanation. This is regarding accurate reporting of a federal student loan. Navient is the servicer and the guarantor is XXXX XXXX XXXX. XXXX : Navient Guarantor : XXXX XXXX Open Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Close Date ( paid in full via consolidation ) : XX/XX/XXXX Last Payment made ( by me ) : XX/XX/XXXX I've made zero payments in the past 7 years but Navient reported my account as current for months where I was in forbearance. There are several periods where I wasn't in forbearance and Navient reflects those as delinquencies. So my 7 year credit history is a combination of forbearance months reported as " current '' and non-forbearance months reported as delinquencies. My argument is that regardless of the fact that Navient REPORTED my account as current some months, I haven't made a payment in over 7 years. After the last payment I made in XX/XX/XXXX, I never came back current. I believe the purge date of this account should be based on the actual date I went delinquent and was never current again. Should the forbearance periods be included in the calculation to determine when this account should be aged from my report? Or should it be based on the last time I actually made a payment ( if Navient or myself provides this evidence to the agencies )?
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Pioneer Credit Recovery ( XXXX ) XXXX XXXX XXXX XXXX NY XXXX, has repeatedly contacted my landlord and my landlords daughter about my debt and has left messages on their phones as recent as XXXX, and has provided my account information about my debt to them. This is in violation of federal debt collection practices. This company is based in New York and the person leaving these messages is identified as XXXX XXXX ( if this is a real person? ). My next step is to file a complaint with the New York Attorney General 's Office. I dispute the amount of debt they are trying to recover and sharing my personal financial information with people other than myself is ridiculous, aggressive and a violation of federal law.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I am a co-signer on a student loan for my ex-wife. Navient is the student loan processing company. When my ex-wife exceeds the payment due date ( always paid within the same month as required submittal ), Navient starts robocalling my home phone. I can get up to 5 or 6 calls a day on my home phone until payment has been processed. I've heard horror stories about Navient. Not only do they harass the XXXX out of account holders ; when payment is received, it can take up to 10 days for them to process and post. During this time, they will continue to robocall. I've requested in the past to deal with me via USPS and quit calling. My next step is to pursue this matter legally.
Company Response:
State: WI
Zip: 547XX
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-23
Issue: Getting a loan
Subissue: Confusing or misleading advertising
Consumer Complaint: I attended the XXXX XXXX of California XXXX XXXX located in XXXX XXXX California after being recruited from a XXXX XXXX campus. The sales person had no idea of my skills but found that I wanted to study XXXX and she quickly recruited me to go in for an interview at the campus. When I went to the interview I was told that I had what it took to join and be successful in the field of XXXX XXXX and that it would be beneficial for me to study there. Before I knew it I was enrolled and the beginning of my student loans had started. The cost for the school was supposed to be XXXX but at graduation it was over XXXX to this day it still remains over $ XXXX. Every quarter there were more and more loans asked for and halfway through the program I knew that there was something wrong and I was just one of many that this school had preyed on. At this point I went to a guidance counselor and she told me that if I don't continue and dropped out that my family would see me as unsuccessful and that everything in this world revolved an accredited XXXX degree. I was unhappy because the XXXX XXXX program that I signed up for was taken away and now the class of XXXX were being used to work solely on XXXX. A lot of us were not happy with that because they lied to us and switched the curriculum and now our final demo reels had to be in XXXX. Something that I was not into. In the beginning I was told that I would get job placement and will be working with XXXX XXXX. They used a lot of sales tactics to keep me in the school and when I complained about a 3d class that I had to pass and the teacher wouldn't allow me to pass I was given a " P '' simply because I said I would complain to the board. The teacher was eventually fired for allowing students to pass if they beat him in Halo on the last day of class. His name was XXXX XXXX XXXX. The school was full of untrained teachers. XXXX XXXX was teaching us a class in Shake which she was just learning along with us. I was recruited into a school that didn't care about the students it felt like and only cared about recruitment. It was a for profit school and you can tell that it was based on recruitments because students there the majority didn't have an artistic talent. The school has closed along with many other Art Institutes throughout the country and they have been sued for using predatory sales practices on students that signed up for their programs during the time that I attended. Going to that school was the worst mistake of my life. It has put me in a position where I have been paying for student loans for the past 13 years for a school that has since closed it's doors and is not accredited in anyway. Once I was out I tried to enroll in a different college only to find out that the classes I took there were not considered university or college credits, I would have to take the classes over. The school has been sued and has to forgive student loans due to their malpractice predatory sales tactics which I was a victim of. It's not fair that they did this, preyed on individuals and now closed their doors. I have struggled for years to make payments to those loans and for what, a XXXX Degree that no longer sits on my wall because it isn't worth the paper its printed on. Due to the student loans that I acquired in order to stay in school I have been in financial ruin as I have to pay every month. The loan amount now is higher than it was 13 years ago. It seems that every 6 months I have to file a forbearance or a hardship in order to keep Sallie Mae now Navient at bay. They never explained anything in full detail but always wanted me to sign new loans in order to stay enrolled. I had to resort to have my father help co-sign as well as a neighbor. They did that as favors for my future but there was no future from the teachings I received. They lied and they should be held responsible for their actions. The lawsuit forgives students like me and it's been a long time coming for me to finally take the action against these loans. I have gotten my Federal loans forgiven already due to my complaint. The United States Department of Education Borrower Defense to Loan Repayment at XXXXXXXXXXXX.XXXX referred me to your site in order to get my Private Loans forgiven as well. My form number there is OMB NO:XXXX. They have been extremely helpful and I hope that your organization will also. Any questions that you may have I am more than willing to answer.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2019-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient ( and Sallie Mae prior to transition/re-brand to Navient ) have overcharged me approximately {$35000.00} since XXXX. Navient has been debiting an extra payment of {$220.00} every month that was not applied to my loans. This came to my attention when I paid off my loans in XXXX of XXXX, yet Navient continued to debit {$220.00} from my account AFTER said loans were paid and closed. I did not catch this sooner because my loans go back to the early XXXX, pre-Internet. I had payment coupon books to send paper checks by postal service. I spent time in forbearance with accruing interest. Loan balances went up because of accumulating interest, payment amounts were increasing and in flux. Then in XXXX there was a Sallie Mae consolidation into two loans. At that point things stabilized but all that registered with me after all the changes was that 1 ) I have 2 loans 2 ) Navient/Sallie Mae are taking 2 payments each month. From there I just tuned out on autopay because I knew that I would be paying this for another 15 years. Fast forward to XX/XX/XXXX and I pay off my loans in full. No more debits should hit my account from Navientbut still Navient continues to take money from my account. This of course is a major red flag and finally I see that they had been taking the extra {$220.00} per month all these years. Where did that money go? It was not going to my loan, as you will see from attached documents I notified Navient of this around XX/XX/XXXX ( over a month ago ). Navient rep did acknowledge verbally they could see the {$220.00} on recent internal statements ( which is odd because when I log into my Navient account online there is no record of the monthly {$220.00} definitely it was NEVER being applied to my loan ). I have the bank statements and ACH confirmations/debit IDs from XXXX XXXX XXXX showing the extra debits from Sallie Mae prior to XXXX ( or so ) and from Navient since. After a month, no one at Navient will give me answers or give me a timeline to get my money back. They do not communicate and do not deliver on promised call backs. I have to call them and each time I do I get ambiguous information and nothing more than " it is being researched ''. {$35000.00}! I have attached the following : Excel files : Navient by Transaction this is the complete record of payment history on my 2 loans. Two loans serviced per month that were combined into a single payment/debit or {$160.00} monthly. This was the legit payment being applied to my loan from the point of Sallie Mae consolidation, XX/XX/XXXX to XX/XX/XXXX. PDFs : Navient 1098-E Shows interest on my loans reported to IRS by Navient for calendar year XXXX. This will tie back to Navient by Transaction worksheet and confirm that I had no other loans on with Navient and that the payment of {$160.00} was the only legitimate payment owed. JPEG Images : Sallie Mae Consolidation Autopay This is a letter from Sallie Mae informing me of rate discount for autopay. It shows the date of consolidation when Sallie Mae became loan servicer and when debits began XX/XX/XXXX. Navient Paid in Full w highlight This is a screenshot of my current Navient account status. It shows paid in full with the last three transactions on the account for my loans : {$1600.00} payoff amount plus last two monthly debits of {$160.00}. PAID IN FULL as of XX/XX/XXXX. Most Recent Transactions This is a screenshot from my bank account of all Navient transactions ( debits ) available to view online. This will show you that the {$220.00} was also being taken from me every month and it will show that the {$220.00} continued to be debited AFTER I made the final payoff amount. I contacted my bank to block any future debits from Navient Please let me know if you have any questions or I can provide anything else to motivate them to return my money. Thanks.
Company Response:
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2019-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loans were consolidated on XXXX of XXXX so that I could get on an Income Based Repayment plan so that I could have my loans forgiven under Public Service Loan Forgiveness. I began making payments to Navient from XX/XX/XXXX through XXXX of XXXX. My credit report does not show that I made payments to Navient from XX/XX/XXXX to XX/XX/XXXX. That is 34 payments that are missing from my grand total to receive debt forgiveness after 120 total payments have been made. That is also {$9200.00} that is not credited to my bill plus interest I may have accrued. I have my bank statements showing that I made all of these payments. Also, when I call XXXX XXXX ( my current servicer ) they are saying that I was on the wrong payment plan during this same time period XXXX XXXX XX/XX/XXXX. So if I do get credited for these payments they are not in the right plan in order to receive Public Service Loan Forgiveness. XXXX XXXX is the company that serviced my loan in XX/XX/XXXX and put me on an IBR plan. When they sent my consolidated loan to Navient they should have had Navient put me on an IBR plan. It did finally get changed to an IBR plan at the end of XXXX. XXXX needs to show a credit to my account of {$9200.00} plus interest. XXXX currently only shows that I have 11 payments towards my 120 payments needed when I have made 102 payments. I have never missed one single payment. Please help me. Thank you for your time.
Company Response:
State: TX
Zip: 795XX
Submitted Via: Web
Date Sent: 2019-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-22
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XX/XX/2019, I submitted a complaint to your office. It was Complaint No. XXXX. It involved my student loans through Pioneer Credit Recovery. I had defaulted on my student loans. I entered into a payment plan with Pioneer Credit. I have been faithfully making monthly payments. The Dept of Education took my federal income tax refund this year. They should not have done so because I had entered into a monthly payment plan. On XX/XX/2019, Pioneer Credit Recovery responded to Complaint No. XXXX. Pioneer had responded that my account was erroneously certified for treasury Offset. Pioneer responded that it had taken necessary steps on the Dept of Educations system to request a refund of taxes in amount of {$1500.00}. I still have not received a refund. I have been waiting for it and I have not received. When will I receive the {$1500.00} refund which I deserve?? The Complaint was not resolved so I have filed another complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2019-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I thank you for your time and assistance. I have been tracking the payments of my student loans 12 in all since XXXX of XXXX. Were you to review my credit report, you would find I have never missed a payment on any of my loans. Ive included a copy of my payment history with Navient, for example ( See attached : Navient _ Account History ). While I have been slowly paying off my loans as Ive been able to since both XXXX and XXXX school graduations, around XX/XX/XXXX I decided to ensure all of my student loans were paid off in or before XXXX ( See attached : XXXX XXXX XXXX ). The expedited plan I prepared ensured I would pay off the loans in the order of the highest interest rate to the lowest. However, I noted that one loan with Navient ( XXXX XXXX ) had a particularly interesting benefit I had previously been unaware of : It offered a waiver of the last 6 months of payments if all scheduled payments were made on time. I later chose to save the website page as a PDF to ensure I had the information captured for my own records ( See attached : Navient _ Loan Details_6 mth payoff_XX/XX/XXXX ). The loan schedule on Navients website indicated I would save over {$1500.00} by taking advantage of the benefit, which would be more than I would save by paying the loan off early when I was completing my review in XXXX, and therefore I chose not to include that loan in my expedited pay-off schedule. Because I was unfamiliar with the benefit, I called to confirm my understanding of it with Navient. I do not recall the date of that call, but it would likely have been in either XXXX or XX/XX/XXXX, when I was making plans for expedited pay down. After I made my loan payment on XX/XX/XXXX, I called Navient to confirm I would receive written or emailed confirmation of the loan being paid off. While the benefit was not yet applied, the representative confirmed the benefit was as I understood it to be and assured me that the benefit would be applied within a couple weeks ; she said I would receive an email or letter confirming the loan had been paid off. When I had not heard from Navient as of XX/XX/XXXX, I checked the website to find that a benefit had been applied to my account, but that the benefit was far less than I had been told. Navient had applied a benefit of {$780.00} on XX/XX/XXXX. A balance of {$560.00} remained on my account and a payment in the amount of {$250.00} was scheduled to be drawn ( via auto-pay ) on my checking account on XX/XX/XXXX. I spoke to XXXX, a supervisor in customer service, and she informed me that the benefit should pay off the balance and that, while I could not withdraw the auto-pay, she would request a refund of my payment as soon as it had been processed. She submitted an inquiry to what she called the back office, informed me it would take 3-5 business days to process, and assured me she would call me back with the results. At that time, I chose to print off another PDF of the loan page, which now contained different language describing the benefit attached to my loan ( See attached : Navient _ Loan Details_6 mth payoff_XX/XX/XXXX ). The language was more descriptive and indicated the benefit only paid 6 months of payments on the original repayment schedule. This language had clearly been changed since I was informed of the benefit, becoming far more specific. Not one customer service representative, to that point, had indicated the benefit would make a payment other than those owed for the last six months of my current repayment schedule. XXXX did call me back on XX/XX/XXXX. She stated that she had misinformed me, that the full benefit had been applied to the account and that Navient maintained I owed the remainder of the loan balance. I told her I would not accept that result, because Navient had indicated on its website that the last six payments would be made, but made no reference to the fact that it would not be on my current repayment schedule. I relied on that statement, as well as the confirmations of Navient 's representatives, in continuing my repayment plan. XXXX offered to transfer me to someone who may be able to assist me further. I then spoke with XXXX, who confirmed XXXX version of events and informed me that the federal government had decided on the benefit amount. He said that he would submit to have a Customer Advocate assigned to my inquiry, who would reach out to me within 24-48 hours. Today, 72 hours later, I have not heard from the Customer Advocate, so I am submitting this complaint to obtain some assistance in getting this matter resolved to my satisfaction. Another payment in the amount of {$250.00} will be withdrawn from my checking account on XX/XX/XXXX. I will be allowing that payment to proceed in order to avoid having Navient state that my loan is in default. In order to resolve this matter, I would ask that Navient reimburse me for any payments made by me on this loan after XX/XX/XXXX and waive the remainder of the loan for me, this is the only acceptable resolution. Thank you again for your assistance.
Company Response:
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2019-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-22
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Late payments reported for XXXX and XXXX in XXXX. I never received a bill requesting payment. I received a phone call from Navient informing me that I was behind on my payments and requesting a payment, which I notified the representative that I never received a bill and that if I would have received a bill I would had taken action to the matter to prevent late payments. Per Navient representative the bills were emailed to me, at this time the representative was informed that email was not my preferred method of communication as that time I did not own a computer, lap top nor smart phone and requested communication via U.S Postal Mail. During that phone call I informed Navient representative that I was unable to make any payments at that time as I was still looking for a job after graduating- ( assuming all calls are recorded ; this conversation may be audible though Navient 's recording system ). The representative recommended a deferment in which I took immediate action and completed all the requested paper work. On XX/XX/XXXX I mailed the Credit Bureau Management for Navient to dispute the late payments reported as I never received a paper bill. XX/XX/XXXX Attention : Credit Bureau Management Account # XXXX I am requesting that the delinquent payments reported to the three credit bureaus in XXXX, XXXX and XXXX of XXXX be removed due to the fact that I never received a bill requesting payment. I did receive a phone call some time after that requesting payment because they were late, in which I did tell the representative that I never received a bill. I then took action to apply for a deferment at that time. Sincerely, XXXX. I did not receive a response to my dispute, it wasn't until XX/XX/XXXX at XXXX when I contacted Navient to follow up with any results in which I was informed that my dispute had been resolved, that they disagree with me and that an email was sent to me with an explanation. I informed the representative that I never received and email then I was told to check my spam or contact my internet provider if I am not getting emails. I questioned why didn't I receive the explanation in the mail by paper, and that this is what happened with my initial bill in XXXX that I never received and that a representative was informed back in XXXX that my preferred method of contact was via U.S postal mail. I have checked all my emails-spam, inbox, deleted and still do not see an email from Navient with the dispute explanation.
Company Response:
State: PA
Zip: 18103
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I completed my XXXX degree and began making payments to my student loan in either XX/XX/XXXX or XX/XX/XXXX. In ~XX/XX/XXXX I called the student loan provider to inquire about eligibility for student loan forgiveness through working for a non-profit. I was told that after I make 120 qualifying payments I could apply. I then asked if I made payments for the next 120 days if I could qualify and the representative informed me that it has to be 120 billed payments. Fast forward to XX/XX/XXXXI called to inquire about lowering my student load payments under the revised payment plan. I was encouraged to consolidate my loans which changed my loan provider to XXXX. Now in XX/XX/XXXX ; 9 years after Ive been employed at a nonprofit, I apply for loan forgiveness and received a letter stating that I dont meet the number of payments needed since I consolidated my loans in XX/XX/XXXX. I consolidated my loans because the Navient loan provider suggested I do so. I was not informed that consolidating my loans will erase the 10 years of payments I made making me ineligible for the student loan forgiveness program.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2019-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A