Navient Solutions – CFPB Complaint ID 2880893

Date Received: 2018-04-20T00:00:00

Product: Federal student loan debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I was contacted by XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX , NY XXXX ] about a debt that they purchased from XXXX [ XXXX XXXX XXXX XXXX , NE XXXX ]. I asked them to verify the debt was still valid as I had already paid it with XXXX. They asked me to contact XXXX/NAVIENT [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ]. I have contacted all three companies and have the chats/email threads available in PDF format. They never replied. I requested : ” The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. ” The only documentation that arrived is a photocopy provided by NAVIENT of my original promissory note. XXXX sent a note stating that my wages would be garnished. They have not been able to verify that this is a valid debt. When speaking via phone to customer service at XXXX, they asked me provide proof that I had paid the debt with XXXX. I sent them images and screenshots via email per their request. I have not received a response. I was notified that this has impacted my credit rating. I have sent countless emails pleading to have this resolved. The complete lack of cooperation and common sense is frustrating. This is a waste of my time. I happy to pay what I owe, but they need to be able to substantiate

See also  Client Services, Inc. - CFPB Complaint 2018-11-26

Company: Navient Solutions, LLC.

State/Zip: DC 200XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2880893

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.