1. What happened? In XX/XX/XXXX, Navient acknowledged its customer service keystroke error caused its misclassification of my XXXX XXXX private student loan and refuses to fix their error. Instead of granting a full Total and Permanent XXXX ( TPD ) discharge, Navient defaulted the loan and left a derogatory tradeline. In XX/XX/XXXX, while I am permanently XXXX and living in a XXXX home, Navient is still pressuring me to pay the remaining balance after incorrectly charging it off. The aforementioned reflects the same misconduct described in CFPB v. Navient Corporation, XXXX XXXX. XXXX ( XXXX. XXXX XXXX ). XXXX. Company response has been inadequate Navient only applied a partial balance reduction after acknowledging that it should have entered the loan into the approved full Total Permanent XXXX discharge. The default and charge-off remain on my credit reports, despite my eligibility for complete discharge. This is an inadequate resolution and harmful to a XXXX borrower.
CFPB COMPLAINT DATABASE
Navient Solutions, LLC.
204 real consumer complaints filed against Navient Solutions, LLC. at the Consumer Financial Protection Bureau in the last 12 months. 1 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Dealing with your lender or servicer93
- 02Struggling to repay your loan42
- 03Incorrect information on your report29
- 04Problem with a company's investigation into an existing problem16
- 05Getting a loan9
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
Recent complaints
The 30 most recent complaints against Navient Solutions, LLC. where the consumer chose to publish their narrative.
I am submitting this complaint regarding my loan servicer, Navient. I believe I was not properly informed of all available repayment options, specifically income-driven repayment plans. Instead, I was repeatedly placed into forbearance without a clear explanation of how interest would continue to accrue and significantly increase my loan balance over time. During this period, I relied on Navient for guidance and support in managing my student loans. However, I now believe that I was not provided with sufficient or accurate information to make informed financial decisions. As a result, my loan balance increased due to interest accumulation, causing unnecessary financial hardship. I am requesting a full and thorough review of my account, including all forbearance periods, interest charges, and any missed opportunities where alternative repayment options, such as income-driven repayment plans, should have been presented to me.…
I called XXXX on XX/XX/year> at XXXX XXXXXXXX XXXX. But the automated system stated " unable to find your records '' based off my phone number and social security number. Then, another message stated to call " Navient '' if your loans was originally managed by Navient and transferred to XXXX. Next, I called Navient at XXXX. I was on the phone with representative " XXXX for XXXX minutes. '' I asked why my XXXX loan for XXXX University XXXX which has the first disbursement amount of XXXX wasn't configured to the balance for XXXX ( because XXXX was a cancelled amount ). I asked Navient why the principal balance of XXXX of final disbursement FROM XXXX was this total? Navient stated " because of your capitalized FORBERANCE. Again, she stated, because of XXXX. But I am not in forbearance. I have been in XXXX. I asked her how am I going to pay, or try to pay when you put me in forbearance and the interest is so high? I AM IN XXXX. I have been in XXXX the past few years. I AM NOT IN XXXX.…
CFPB COMPLAINT NARRATIVE : NAVIENT ( ACCOUNT ENDING XXXX ) 1. FACTUAL BASIS & PREDATORY ORIGINATION ( XXXX ) : In XXXX, I was steered by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) into a high-interest Sallie Mae XXXX XXXX XXXX ( now Navient ). This loan was predatory at inception : I was steered into {$17000.00} in total debt ( tuition and living expenses ) during a year when my verified Social Security earnings were only {$7100.00}. This debt-to-income ratio made the loan mathematically impossible to repay and constitutes an Abusive Act/Practice under the Consumer Financial Protection Act ( CFPA ). 2. EVIDENCE OF SERVICING OBSTRUCTION & AI " DOOM LOOP '' : I have already paid nearly {$30000.00} on this {$17000.00} principal. Despite the XX/XX/XXXX CFPB v.…
I am filing a complaint against Navient for inaccurate credit reporting. My student loans have been approved for discharge by the XXXX Department of Education under the XXXX v. XXXX borrower defense settlement. Despite this, Navient continues to report these accounts as charged off, past due, and delinquent. This is inaccurate because I have no legal obligation to repay these loans. This reporting is damaging my credit and violates the Fair Credit Reporting Act. I request that Navient : Immediately correct or remove all negative reporting Update the account status to reflect discharge Cease reporting any delinquency I have documentation of my discharge approval and am prepared to provide it. I request prompt investigation and correction.
Ok..... none of the info I entered is actually correct. There were no options available that fit my situation. I had loans through Navient back in late XXXX 's, and saw that there was legal action requiring them to repay some applicants money. My account with Navient is long gone. I was unable on their website to get info regarding possible settlement payment, I had to set up new account in order to give them my current mailing address and phone number. Then a website suggested your website to check on the repayment. I really don't know what to do. I have a feeling that if anyone owes me money, there will be no way to get it because Navient has no current info on student loan applicants from years ago. I doubt that I am the only person with this problem. Thank you for your time.
Subject : Formal Complaint Regarding Student Loan Forgiveness and Entitlement to Compensation Under Navient Settlement To Whom It May Concern at the Consumer Financial Protection Bureau : I am writing to submit a formal complaint pursuant to the provisions of the Consumer Financial Protection Act of 2010, as amended, and the applicable regulations thereunder, concerning the administration of my federal student loans, specifically in relation to loan forgiveness and potential restitution arising from the Navient Corporation settlement. By way of background, I was previously a borrower under student loan servicing agreements administered by Navient Corporation ( formerly known as XXXX XXXX ).…
Illegal and fraudulent reporting on credit report regarding accounts and balances. Refusal to remove inaccuracies from credit report after being told it was removed. Past issues of excessive harassment from the company. Being lied to about repayment options when I was in active status. Please see attached documentation for further details.
I am a private student loan borrower with four Signature Student Loans originated through Sallie Mae ( now Navient ) for attendance at XXXX University between XXXX and XXXX, currently serviced at XXXX ( Account : XXXX ). Loan numbers : XXXX, XXXX, XXXX, XXXX. All four loans are owned by Navient Private Loan Trust. Navient applied unauthorized forbearances and payment postponements to my federal loan account on XXXX documented occasions between XXXX and XXXX. I believe these same unauthorized forbearances simultaneously broke the consecutive on-time payment streak required for the Signature Rewards benefit on all four of my private loans. The Signature Rewards benefit provides a permanent 0.5 % interest rate reduction after 48 consecutive on-time payments. Repayment on all four loans began XX/XX/XXXX. Forty-eight consecutive months later is XX/XX/XXXX which falls directly within the most concentrated period of unauthorized forbearance activity on my account.…
I am submitting this complaint regarding the denial of my School Misconduct discharge request for private Signature Student Loans owned by Navient and serviced by XXXX. In XXXX, at age XXXX, I enrolled in the XXXX XXXX program at XXXX XXXX XXXX XXXX XXXX XXXX Florida. Admissions representatives stated that graduates could expect strong job placement and salaries around {$80000.00} per year. Based on these representations, I took out approximately {$33000.00} in private student loans through XXXX XXXX with co-signers. I graduated in XXXX and completed the required XXXX but was unable to secure employment in the field. Instead, I was forced to accept work paying approximately {$15.00} per hour. XXXX XXXX XXXX XXXX, and when I attempted to continue my education in XXXX, I learned that none of the credits from this program were transferable, forcing me to start college over entirely.…
I am a federal student loan borrower whose loans were serviced by Navient Solutions , LLC and have since transferred to XXXX ( Account : XXXX ). My XXXX XXXX consolidation loans ( XXXX and XXXX ), originally totaling {$70000.00}, were disbursed XX/XX/XXXX. I have been making payments since XXXX. Navient applied unauthorized forbearances and payment postponements to my account on XXXX documented occasions between XXXX and XXXX, each resulting in accrued interest being improperly capitalized into my principal balance. In every instance I was actively making regular monthly payments at the time these statuses were applied I never requested forbearance or payment postponement. The total accrued interest improperly capitalized into my principal balance is {$16000.00}. With compounding, the total estimated financial harm is {$32000.00}. My current federal loan balance is {$57000.00}. Without the improper capitalizations my estimated balance would be approximately {$25000.00}.…
I am writing to formally express my complaint regarding the lending and enrollment practices and misconduct used by XXXX XXXX XXXX ( XXXX ), when I attended the school ), which I believe relied on misleading and unfair tactics to persuade studentsmyself includedto obtain private loans that were neither necessary nor presented with full transparency. During the enrollment process, XX/XX/year>, XXXX XXXX emphasized that since I already held an XXXX XXXX, I would not need the normal financing amount of {$50000.00}, since I would only be taking half of the courses. But as time went on, I was made to believe that private financing was the only viable option to continue and complete my education. By the time I completed my program, which was less than XXXX years, I had {$50000.00} in private student loans, the cost of taking all the courses as if they did not apply previous courses from my XXXX XXXX. This does not include the Federal Loans that were also taken.…
I am requesting a formal review of my student loan account due to concerns that I was improperly steered into repeated forbearances instead of being informed about or placed into an income-driven repayment plan. While my loans were serviced by Navient, I contacted them seeking help with affordable repayment options. Instead of explaining income-driven repayment plans or helping me enroll in one, I was placed into multiple periods of forbearance. As a result, interest continued to accrue and my loan balance increased significantly. I later learned that income-driven repayment plans were available during that time and could have provided affordable monthly payments while preventing excessive interest growth. My loan was eventually transferred from Navient to XXXX. I am concerned that the handling of my account during Navients servicing period caused financial harm.…
I previously disputed several Navient student loan tradelines appearing on my credit report. The credit reporting agencies responded that the information was verified after contacting the furnisher. However, the responses provided did not include a meaningful explanation of the method used to verify the information or the documentation relied upon to confirm the accuracy of the reporting. Additionally, the Navient accounts appear to be reported inconsistently across the credit bureaus. The number and status of these tradelines are not consistent between the bureaus, which raises concerns regarding the accuracy and completeness of the reporting. Under the Fair Credit Reporting Act, credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Simply stating that the furnisher verified the information does not explain how the accounts were verified, what records were reviewed, or how the information was matched to my credit file.…
XX/XX/XXXX Navient / CFPB Settlement Administrator Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Navient Settlement Compensation Eligible Borrower Inquiry Account/Loan Number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing regarding the recent settlement arising from the Consumer Financial Protection Bureaus enforcement action against Navient that resulted in restitution payments to harmed borrowers. I believe I should be eligible for restitution based on my student loan accounts serviced by Navient during the relevant time frame, yet I have not received a payment, notification, or explanation regarding my eligibility.…
I am filing this complaint regarding a private student loan issued for attendance at XXXX XXXX ( XXXX, Ohio ), which has since permanently closed and no longer maintains any academic records. The U.S. Department of Education approved my Borrower Defense to Repayment claim under the XXXX v. XXXX settlement on XX/XX/year>, and discharged my associated federal student loans after determining that the school engaged in misconduct. I requested a comparable review of my private student loan. XXXX ( servicing on behalf of Navient ) denied the request. After submitting supplemental documentation, including the federal discharge approval, my escalation was closed as a duplicate request without substantive review. The credential funded by this private loan can not be independently verified due to the schools closure and lack of records. At least one employer was unable to verify my education.…
Currently, I am under a pending Borrowers Defense application with student aid. I was a student at XXXX XXXX XXXX during the settlement addressed a " XXXX XXXX XXXX XXXX XXXX '' marketing campaign that ran from late XXXX to early XXXX and enrolled during the whistleblower lawsuit filed in XXXX with the XXXX XXXX, a parent company of XXXX. I have since been in quite turmoil to repay my students despite the ongoing lawsuits and/or settlements.
I am submitting this complaint because Navient has failed to provide historical loan servicing documentation necessary to verify the accuracy of my XXXX student loan balance and capitalization history during the period when Navient ( formerly XXXX XXXX ) serviced my loans. My dispute concerns a significant capitalization entry recorded on XX/XX/XXXX described as XXXX Capitalization in the amount of {$28000.00}. This entry substantially increased the principal balance of the loans. Despite written requests for documentation explaining this transaction, Navient has not provided the accounting records necessary to verify how this capitalization amount was calculated. To verify the accuracy of the balance created during Navients servicing period, I respectfully request the loan-level accounting supporting the XX/XX/XXXX XXXX capitalization of {$28000.00}.…
I would like to start with saying that my intent is to go to court with Navient/XXXX and XXXX as the issue has caused my health to suffer which they are aware that I have hereditary XXXX and I have recorded XXXX calls of them harassing me at that time in XXXX and XXXX they wrote to the CFPB do me to call them and I was to provided with a new XXXX who would then give me information that I was requesting from their accounts payable. Information that we already had an image from but we needed system transaction details with intent to do just what we have to do for them having to intent to harm me.. This began in XXXX XXXX when the school fully cleared me then lied and said they either gave back the money, sent it back and XXXX XXXX must of TOOK it back but they dont know at the time this was during the financial crash and my XXXX lost her XXXX job ..…
Ive called sent emails sent them screenshots and everything. The only thing they told me was they will take care of it but they never did and this has been over XXXX years ago. Until this day I havent heard from them. I have been continuously sending emails and phone calls and the only thing they did was give me the runaround.
Unpaid Principal {$3700.00} Unpaid Interest {$26.00} Unpaid Late Fee {$19.00} Current Balance {$3800.00} Interest Rate 6.800 % Interest rates on federal student loans are set by Congress. Interest Type Fixed Total Accrued Interest {$1900.00} Total Amount Paid {$800.00} Principal Paid {$460.00} Interest Paid {$330.00} Fees Paid {$3.00} Loan Type FFELP School XXXX XXXX Current Owner NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$2600.00} Repayment Start Date XX/XX/XXXX Estimated Payoff Date XXXX/XXXX/XXXX 66 % If your loan was transferred to XXXX, your previous progress towards forgiveness may not be available. Qualifying IBR Payments 27
XXXX navient held my student loans i asked for payment arrangements due to the fact that it took me over 6 months to get my registration from XXXX to XXXX working in my career as a result, they said the only option was forbearance made it sound like a resolution without fully explaining how they where going to add XXXX of interest and restart the loan agreement they doubled my debt before I withdrew all my loans from there company... and I just found out about this class action lawsuit which I have definitly been victim to and there was no information put out that I ever heard up until today and they say there making checks already. while my information has changed since I was with that company there is no way of knowing if they attempted to contact me and or if I'm getting any part of this settlement which seems pretty unjust. I do appreciate the information that i was not the only XXXX upset with there business and that someone is doing something about it.…
I attended The XXXX XXXX of XXXX from approximately XX/XX/XXXX through XX/XX/XXXX. I used private student loans originally serviced by Navient to finance my attendance. On XX/XX/XXXX, the U.S. Department of Education announced a {$6.00} XXXX group discharge for former XXXX XXXX borrowers who attended between XX/XX/XXXX and XX/XX/XXXX, citing pervasive and substantial misrepresentations regarding job placement rates, earnings potential, and career services. My enrollment falls within that exact timeframe. Prior to the XX/XX/XXXX federal announcement, I submitted a XXXX XXXX XXXX application to Navient regarding my private loans. My application described deceptive recruitment practices, misrepresentation of job placement rates, and financial harm. Navient denied my request without providing a detailed explanation of the review process or how the confirmed federal misconduct findings were evaluated in my case.…
Navient prior was XXXX told me to keep doing deferment and told me income based payments were not good. They constantly XXXX send me breakdowns when I asked for them. They applied all my payments to the lowest interest even though I paid on the highest interest. With all their theft and deception my loans XXXX in size. I still have XXXX loans showing on my credit report as bad going all the way back to XXXX.
I have a private student loan with Navient/XXXX XXXX It originated with XXXX XXXX in XXXX. In XXXX years, my loan has a total accrued interest of {$41000.00}. The original principal was {$17000.00}. I have paid approximately {$35000.00} and still owe {$25000.00}. Estimated pay off date is XXXX/XXXX/XXXX. In my early XXXX, I was misled by my schools sales pitches and was ill-prepared to pay off a large student loan. I attended school for XXXX months. I have a certificate, not a diploma or a degree. I was unable to obtain a federal loan, so I was pressured into taking out a private loan and having a co-signer on this loan ( my XXXX ). He is now in his XXXX and he nor I should not have to deal with this unnecessary and fraudulent financial burden. I believe this loan is unlawful and predatory. Over the years, I have struggled to make high payments. Navient has used deceptive practices for payments.…
Between XXXX and XXXX, my previous federal student loan servicer, Navient, engaged in systemic forbearance steering on my account, violating federal consumer financial protection standards. I originally borrowed {$46000.00} to fund my education. Whenever I faced financial hardship, Navient routinely pushed my account into short-term administrative and verbal forbearances instead of properly counseling me on my eligibility for Income-Driven Repayment ( IDR ) plans, which would have legally lowered my payments. According to my downloaded NSLDS loan data file ( attached ), Navient steered me into forbearance during the following specific periods : XX/XX/XXXX ( 1 month ) XX/XX/XXXX to XX/XX/XXXX ( 2.5 months ) XX/XX/XXXX to XX/XX/XXXX ( 2 months ) XX/XX/XXXX to XX/XX/XXXX ( 1 month ) XX/XX/XXXX to XX/XX/XXXX ( 3 months ) XX/XX/XXXX to XX/XX/XXXX ( 2 months ) Because these forbearances were broken up by brief periods of active repayment, I did not meet the strict " 24-consecutive-month…
I am filing a complaint regarding a private student loan serviced by Navient that I believe was issued under predatory and deceptive circumstances. The loan was taken out while attending XXXX XXXX, a for profit institution, with my last year of attendance being 2009. Despite paying a total of {$57000.00} over the life of this loan, only {$10000.00} has been applied to principal. The remaining {$46000.00} has gone entirely to interest, with an additional {$230.00} in fees. This means more than 81 % of all payments have been absorbed by interest alone, and the principal has barely moved. This appears to be a case of negative amortization, which I did not understand or agree to at the time of origination. The loan carries multiple high interest rates of 8.5 %, 11.75 %, 11.75 %, and 6.75 %, far above federal loan rates available during that period.…
Complaint Against Navient Regarding Previously Paid Student Loan On XX/XX/XXXX, I received written notification from XXXX ( ID # XXXX ) stating that my defaulted student loans were paid in full. Prior to that letter, my wages had been garnished to satisfy the debt. After the balance was satisfied, I also received a refund of overpayment dated XX/XX/XXXX. Despite this, I recently received a letter dated XX/XX/XXXX, from Navient claiming that I owe the original balance of this same student loan. This letter was sent to a different address than the one I had previously used. Stating " Why not use your Tax refund to Pay your student Loan ''. At the time my wages were being garnished by XXXX XXXX XXXX, there were also two other companies attempting to collect on this same debt, they are XXXX XXXX XXXX Navient, dated XX/XX/XXXX and XXXX XXXX XXXX XXXX : Creditor Navient- dated XXXX XXXX, XXXX.…
Your Name ] XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau RE : Complaint ID [ Insert CFPB Complaint Number ] Subject : SUPPLEMENTAL INFORMATION REGARDING XXXX XXXX XXXX XXXX STATUS AND ONGOING VALIDATION FAILURES ( NAVIENT, XXXX, AND XXXX ) To the CFPB, Navient Solutions , LLC, XXXX, and XXXX : I am submitting this supplemental information in connection with my open complaint ( Account # XXXX ). On XX/XX/XXXX, I received correspondence from the Project on Predatory Student Lending ( PPSL ) the legal organization representing borrowers in the XXXX XXXX XXXX class actionconfirming that I am listed in Department of Education records as a " XXXX Post-Class Applicant. '' A copy of this correspondence is attached. This confirmation has direct and material implications for the pending dispute with Navient, XXXX, and XXXX regarding debt validation, credit reporting, and securitization. XXXX.…
I attended XXXX XXXX XXXX XXXXXXXX from XX/XX/XXXXXXXX and graduated in XX/XX/XXXX. To pay for my education, I borrowed both Federal and Private Loans. In Federal Loans, I borrowed a total amount of {$45000.00}. At that time, my loans were serviced by Sallie Mae. Sallie Mae was unwilling to provide a payment plan that I could afford at that time. They steered me towards forbearance and deferment of which they would charge me fees to do. In the meantime, my loans continued to capitalized interest and accrue late fees. In XXXX, I consolidated my loans and started repayment. The loans balance increased from {$48000.00} to {$58000.00} due to capitalized interest. Navient placed me under an income-based repayment program. Due to unemployment, I changed the type of income-based payment plan to lower my payment. Navient failed to tell me that changing the income-based plan would restart my loan term. Navient like Sallie Mae, steered me towards forbearance and deferment.…
I am requesting that my case be reviewed because of the reasons listed below : I made payments to Navient from XX/XX/year>XXXX to XX/XX/year>. I am due a refund my payments made from XX/XX/year>XXXX through XXXX of XXXX in addition to compensation from the recent settlement. I had initially filed a complaint through XXXX COMPLAINT NUMBER XXXX. My loans were discharged two months after I made my last payment. I understand checks are being issued to some borrowers because of Navient 's deceptional practices..
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