Date Received: 2019-03-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/2019, I was called by XXXX XXXX XXXX regarding a friend who had used me as a reference. They proceeded to ask me for my friends information, which I find very invasive. I declined and let them know I would inform they called.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My private loan, now owned by Navient, should be discharged as the XXXX XXXX XXXX XXXX performed illegal activities in convincing me to enroll in 2007 ( the year I graduated high school ). Now that XXXX XXXX XXXX have permanently closed, my loan should be discharged.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I would like to submit a complaint about Navient. They have made it extremely difficult to get simple answers and I believe I was mislead in the way my payments have been handled. After about one year of being in repayment, I checked my balance and thought it had gone up. I went to compare it to previous balances, but could not find the " Total Current Balance '' line listed anywhere clearly on a previous date. I called to request this information and they sent some documents, which still did not provide what I needed. I decided to take a screen shot instead and compare in a few months. From XX/XX/2019 to XX/XX/2019 my balance went UP despite me making my payments on time. I double checked the remaining interest and made sure to pay all of this off, in hopes that this would end the problem. I then tried to set it up to automatically over pay my minimum monthly, which the company does not allow you to do. On Saturday, XX/XX/2019 I checked my balance and took a picture. On Tuesday, XX/XX/2019 I checked again and my balance had gone up {$18.00}. This is despite me already paying the balance for XXXX PLUS {$240.00} extra. This company is clearly handling something wrong, and making it extremely difficult for its customers to get to the bottom of it.
Company Response:
State: WI
Zip: 53072
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have two account with Navient. One was charged off to NAVIENT XXXX XXXX XXXX private loan. The charged off account has been in repayment for four years making monthly payments and not missing any. I was told by Navient I had to pay a lump sum ( XXXX $ ) to have my co-signer removed from my charged off account. My co-signer is still on my account. My payments were applied to accounts wrongfully and when addressed Navient applied payments but the interest rate for my charged off account was very high. My XXXX report states failed to pay for the past two years. Navient was contacted several times regarding credit reporting and has yet to address it. My credit score is significantly affected by Navient 's false credit reporting. I have documents that support me making consecutive payments on time for several years. The school my loans were from has closed. The loans are from 2005, I have been making payments and my loan amount is still showing I owe more original balance {$6500.00}, showing I still owe {$11000.00}. The practices that Navient uses is unethical. Please help me resolve this as this is affected my credit score. I have called Navient and asked them to resolve this multiple times and was told I have to write to Navient directly which I did. I have not received any additional information regarding the credit reporting. NAVIENT XXXX XXXX XXXX only corresponds in writing not over the phone. Please help me resolve this as I mentioned this is unethical. Thank you!
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Navient Student Loans did not pass on any information regarding how to apply for different loans or change to a new loan provider that would allow for a forgiveness option for being a public servant.
Company Response:
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My wife and I had tried multiple times to get affordable payments. When numbers changed, they didn't have a clear understanding. Also there was a time ( multiple ) I had to manually put in loan amounts to get the appropriate numbers with Navient. We will be paying this off in full, but are concerned about accurate info from Navient. We intend on paying the debt, and are currently behind, mainly because of all of the confusion.
Company Response:
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I spoke to a representative on XX/XX/2019 to discuss the new payment plan on my student loan. She told me that it would be paid off in 12 years, on the XXXX of every month on a graduated repayment plan. She read me the forbearance letter and told me I didn't need to do anything else, I would see the updated information on my online portal. Further, on XX/XX/2019 I got online to review my account. No changes had been made. I called navient and was on the phone with XXXX for XXXX minutes. He told me I was given incorrect information and it was filed in correctly on XX/XX/2019. He hung up on me while trying to transfer me to the supervisor. I then received a call back and was told that the options were to extend my loan out to XXXX at a much higher monthly payment. I received incorrect, misrepresented information and was advised to be in forbearance when I had funds to make a payment, collected more interest on the loan, and got falsified information on what my payment would be and when payments would end.
Company Response:
State: CO
Zip: 80113
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Hello My name is XXXX XXXX, I enrolled A student loan From NAVIENT for {$17000.00} With XXXX XXXX XXXX. I've been paying them {$500.00} a month to build up my account and they would negotiate a settlement with them. I followed the creditor 's Instruction 's to the letter, but they won't listen to reason. This has been going on for the last 8 month 's. They called my house 10 time 's a day, I submitted a cease and Desist letter, they stop calling the house. Now they Email me 4 times a day, have called everyone in my family, my son 's, my In-laws my parent 's. Now Today they threatened with Default this Friday. I reminded them about XXXX XXXX XXXX Program, they tell me we won't deal with them, we want the loan paid in FULL, NOW!!! They won't listen to reason. I Keep reporting them to XXXX XXXX XXXX, send them all the email 's, tell them about the Threats, now XXXX told me to file a complaint with you, I don't know what else to do. Please Help me if you can. Me and my son have Paid almost {$150000.00} dollars worth of Student loan 's off, but NAVIENT is the worst company I ever had to deal with. My Son XXXX Got his XXXX In XXXX and is working XXXX XXXX, In XXXX GA, We are Paying every loan that we got Back. He Pay 's almost {$2000.00} dollars a month, and I pay {$600.00} a month, but NAVIENT doesn't Care!!! They are Very Belligerent! Please Help Us if you Can, Thank you.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: My complaint is that I worked at a university for 25 years. During that time I took student loans and attended classes. I was a single mother of XXXX and the loans helped a great deal and I had hopes of finishing my XXXX XXXX. My children XXXX had XXXX XXXX and they had to become my priority and dropping out of school was the only option. I made monthly payments for years and when I ran into financial problems I tried to get the payments reduced. XXXX XXXX income driven monthly payments were too high and I finally gave up trying. I am now XXXX years old and still owe student loans.
Company Response:
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: On XX/XX/2019 at XXXX XXXX, I received a call from a representative from telephone number ( XXXX ) XXXX. I indicated it was not a good time to talk. The representative insisted I speak with his supervisor and placed me on hold during which I ended the call. On XX/XX/2019 at XXXX XXXX, I received a call from another representative from telephone number ( XXXX ) XXXX. I repeated it was not a good time to talk. The representative inquired why I did not make enough to make the loan payment and questioned whether I had a job in the field of my degree. This call lasted four ( 4 ) minutes. On XX/XX/2019 at XXXX XXXX, two police officers arrived to my work place and mental health arrested me because a representative from Navient called and reported ( falsely ) that I was suicidal. This was humiliating and remains a brutally humiliating experience. Not only was I forced to speak with the local police department about the status of my private student loans, but also all of my co-workers and colleagues that saw me arrested from my workplace. On Saturday, XX/XX/2019, I received four ( 4 ) phone calls from ( XXXX ) XXXX, beginning at XXXX XXXX and ending at XXXX XXXX. On Sunday, XX/XX/2019, I received at phone call from ( XXXX ) XXXX at XXXX XXXX. On Monday, XX/XX/2019, I received five ( 5 ) phone calls from ( XXXX ) XXXX at XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX XXXX., and XXXX XXXX. On Tuesday, XX/XX/2019, I received six ( 6 ) phone calls from ( XXXX ) XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX On Wednesday, XX/XX/2019, I began to receive phone calls from ( XXXX ) XXXX, beginning at XXXX XXXX At XXXX XXXX., I spoke with XXXX and requested the phone calls stop. On XX/XX/2019, the phone calls from XXXX XXXX XXXX XXXX started again. I received phone calls from ( XXXX ) XXXX at XXXXXXXX XXXX, XXXX XXXX., XXXX XXXX., XXXX XXXX., XXXX XXXX. I answered the telephone call at XXXX2 XXXX and spoke with a female representative and asked for the phone calls to stop. I received additional phone calls from ( XXXX ) XXXX on XX/XX/2019 at XXXX XXXX and XXXX XXXX On XX/XX/2019, I began to receive phone calls from ( XXXX ) XXXX. On XX/XX/2019, I received seven ( 7 ) phone calls from ( XXXX ) XXXX at XXXX XXXX., XXXX XXXX., XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX I answered the call at XXXX XXXX and spoke with a XXXX XXXX. I asked XXXX XXXX to stop the telephone calls and explained that I was uncomfortable speaking with a representative because a representative had called the police on me on XX/XX/2019. On XX/XX/2019, I received phone calls from ( XXXX ) XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX., XXXX XXXX, and XXXX XXXX No message was ever left. On XX/XX/2019, I began to receive phone calls from ( XXXX ) XXXX. On this date, the calls began at XXXX XXXX and continued throughout the day at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX at XXXX XXXX I called this number at XXXX XXXX and confirmed it was Navient by the recording that answers the call. No message was ever left. On XX/XX/2019, the phone calls from ( XXXX ) XXXX began at XXXX XXXX with additional phone calls received at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX No message was ever left. On XX/XX/2019, I received calls from ( XXXX ) XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX Today, XX/XX/2019, I received phone calls from ( XXXX ) XXXX at XXXX XXXX and XXXX XXXX At this time, I indicated to a representative that I have retained an attorney ( having to confirm that yes, I did pay money to an attorney ) and received assurance that the telephone calls would stop. Navient has previously indicated that the telephone calls are to simply remind someone of their obligation. A Navient employee called the police on me and I have continued to receive up to eight ( 8 ) phone calls per day since then. These telephone calls are not meant to remind me of any obligation they are to bully an unfortunate borrower into making a payment as the representatives have clearly indicated that the calls will continue until a payment is made.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A