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NAVIENT SOLUTIONS, LLC

Company Details

Name: NAVIENT SOLUTIONS, LLC
Jurisdiction: New York
Legal type: FOREIGN LIMITED LIABILITY COMPANY
Status: Active
Date of registration: 01 Feb 2017 (8 years ago)
Entity Number: 5078123
ZIP code: 12207
County: Albany
Place of Formation: Delaware
Address: 80 STATE STREET, ALBANY, NY, United States, 12207

DOS Process Agent

Name Role Address
C/O CORPORATION SERVICE COMPANY DOS Process Agent 80 STATE STREET, ALBANY, NY, United States, 12207

History

Start date End date Type Value
2017-02-01 2025-02-04 Address 80 STATE STREET, ALBANY, NY, 12207, 2543, USA (Type of address: Service of Process)

Filings

Filing Number Date Filed Type Effective Date
250204004138 2025-02-04 BIENNIAL STATEMENT 2025-02-04
230202001129 2023-02-02 BIENNIAL STATEMENT 2023-02-01
210203061491 2021-02-03 BIENNIAL STATEMENT 2021-02-01
190205060099 2019-02-05 BIENNIAL STATEMENT 2019-02-01
170327000315 2017-03-27 CERTIFICATE OF PUBLICATION 2017-03-27
170201000446 2017-02-01 APPLICATION OF AUTHORITY 2017-02-01

CFPB Complaint

Complaint Id Date Received Issue Product
298835 2013-02-04 Problems when you are unable to pay Student loan
Issue Problems when you are unable to pay
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Product Non-federal student loan
Date Received 2013-02-04
Submitted Via Referral
Company Response Closed with monetary relief
Consumer Disputed No
Date Sent To Company 2013-02-05
Consumer Consent Provided N/A
11451178 2025-01-09 Incorrect information on your report Credit reporting or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Navient Solutions, LLC.
Product Credit reporting or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2025-01-09
Submitted Via Phone
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-10
Consumer Consent Provided N/A
11800476 2025-01-27 Getting a loan Student loan
Issue Getting a loan
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Problem with the interest rate
Sub Product Private student loan
Date Received 2025-01-27
Submitted Via Phone
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-27
Consumer Consent Provided N/A
11867516 2025-02-01 Struggling to repay your loan Student loan
Issue Struggling to repay your loan
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Can't get other flexible options for repaying your loan
Sub Product Private student loan
Date Received 2025-02-01
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-02-01
11652208 2025-01-18 Struggling to repay your loan Student loan
Tags Servicemember
Issue Struggling to repay your loan
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Bankruptcy
Sub Product Private student loan
Date Received 2025-01-18
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-18
11792497 2025-01-27 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Problem with customer service
Sub Product Private student loan
Date Received 2025-01-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-27
11692134 2025-01-13 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Trouble with how payments are being handled
Sub Product Federal student loan servicing
Date Received 2025-01-13
Submitted Via Referral
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-23
Consumer Consent Provided N/A
2140092 2016-10-03 Dealing with my lender or servicer Student loan
Tags Older American
Issue Dealing with my lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Trouble with how payments are handled
Sub Product Federal student loan servicing
Date Received 2016-10-03
Submitted Via Web
Company Response Closed with non-monetary relief
Consumer Disputed No
Date Sent To Company 2016-10-03
Complaint What Happened Hello, I sent in a check to Navient to pay off one of the my loans in full. I included a letter with the check and indicated on the check which loan the monies should be applied to. Navient did not apply the monies to the correct loan. The loan does not show it is paid in full. Instead they arbitrarily spread the monies through all ( XXXX ) loans.
Consumer Consent Provided Consent provided
11679192 2025-01-22 Incorrect information on your report Credit reporting or other personal consumer reports
Tags Servicemember
Issue Incorrect information on your report
Timely Yes
Company Navient Solutions, LLC.
Product Credit reporting or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2025-01-22
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-22
3153994 2019-02-16 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Keep getting calls about your loan
Sub Product Private student loan
Date Received 2019-02-16
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-02-16
Consumer Consent Provided Consent not provided
11221613 2024-12-19 Incorrect information on your report Credit reporting or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Navient Solutions, LLC.
Product Credit reporting or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2024-12-19
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-12-19
11194278 2024-12-17 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Received bad information about your loan
Sub Product Federal student loan servicing
Date Received 2024-12-17
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-12-17
11239719 2024-12-22 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Trouble with how payments are being handled
Sub Product Federal student loan servicing
Date Received 2024-12-22
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-12-22
4601583 2021-08-04 Problem with a credit reporting company's investigation into an existing problem Credit reporting, credit repair services, or other personal consumer reports
Issue Problem with a credit reporting company's investigation into an existing problem
Timely Yes
Company Navient Solutions, LLC.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Investigation took more than 30 days
Sub Product Credit reporting
Date Received 2021-08-04
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-08-04
Complaint What Happened NO KNOWLEGE OF THIS ACCOUNT. Notified XXXX and they will not reinvestigate. Account info Account name NAVIENT Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$76.00}, XXXX written off. {$38.00}, XXXX past due as of XX/XX/XXXX. Status updated XXXX XXXX Balance {$97000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$31000.00} Highest balance {$0.00} Terms 240 Months On record until XX/XX/XXXX XXXX
Consumer Consent Provided Consent provided
11232503 2024-12-20 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Received bad information about your loan
Sub Product Federal student loan servicing
Date Received 2024-12-20
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-12-27
11302565 2024-12-27 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Don't agree with the fees charged
Sub Product Private student loan
Date Received 2024-12-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-12-27
11472170 2025-01-10 Struggling to repay your loan Student loan
Issue Struggling to repay your loan
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Problem with forgiveness, cancellation, or discharge
Sub Product Federal student loan servicing
Date Received 2025-01-10
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-10
10781984 2024-11-14 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Don't agree with the fees charged
Sub Product Federal student loan servicing
Date Received 2024-11-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-08
10668781 2024-11-03 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Received bad information about your loan
Sub Product Federal student loan servicing
Date Received 2024-11-03
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-11-26
Complaint What Happened I am writing to formally request the discharge of all student loans held by XXXX due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. XXXX misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. Also, XXXX has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which XXXX has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). XXXX conduct has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance. As a borrower who relied on XXXX advice and entrusted them to manage my student loans, I believe I am entitled to be fully discharge all related debts. Their misconduct has created an unjust financial situation, and I ask that my loans be fully forgiven. Thank you for considering my request. I hope the CFPB will swiftly and decisively take action to hold XXXX accountable and provide the relief borrowers like me desperately need.
Consumer Consent Provided Consent provided
10612626 2024-10-29 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Received bad information about your loan
Sub Product Federal student loan servicing
Date Received 2024-10-29
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-11-26
Consumer Consent Provided Consent not provided
11401032 2025-01-06 Struggling to repay your loan Student loan
Issue Struggling to repay your loan
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Can't get other flexible options for repaying your loan
Sub Product Private student loan
Date Received 2025-01-06
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-06
10348894 2024-10-04 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Received bad information about your loan
Sub Product Private student loan
Date Received 2024-10-04
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-11-26
Consumer Consent Provided Consent not provided
11336909 2024-12-31 Problem with a company's investigation into an existing problem Credit reporting or other personal consumer reports
Issue Problem with a company's investigation into an existing problem
Timely Yes
Company Navient Solutions, LLC.
Product Credit reporting or other personal consumer reports
Sub Issue Their investigation did not fix an error on your report
Sub Product Credit reporting
Date Received 2024-12-31
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-12-31
10506174 2024-10-18 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Received bad information about your loan
Sub Product Private student loan
Date Received 2024-10-18
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-11-29
Consumer Consent Provided Consent not provided
2303011 2017-01-23 Can't repay my loan Student loan
Issue Can't repay my loan
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Can't decrease my monthly payments
Sub Product Federal student loan servicing
Date Received 2017-01-23
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2017-01-23
Complaint What Happened Hello I am struggling with paying my student loans and Navient told me that I am not qualified for lower monthly payments. They are expecting me to pay XXXX a month which is ridiculous.
Consumer Consent Provided Consent provided
7722153 2023-10-18 Problem with a company's investigation into an existing problem Credit reporting or other personal consumer reports
Issue Problem with a company's investigation into an existing problem
Timely Yes
Company Navient Solutions, LLC.
Product Credit reporting or other personal consumer reports
Sub Issue Problem with personal statement of dispute
Sub Product Credit reporting
Date Received 2023-10-18
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-10-18
Complaint What Happened I am a cosigner on my daughter 's student loan. I was not properly notified of 1 missed payment on my daughter 's loan. Navient claims they did their due diligence to contact me however, the email address they had on file was not accurate. I never received an email. They claim they mailed letters, I never received. They claim they called but did not leave any messages. I never received a phone call that identified as being from Navient. Navient put a negative rating on my credit report which dropped me from an XXXX to a XXXX. They refused to withdraw the negative report. As a co-signer, Navient has the responsibility to notify me properly before unjustly affecting my credit rating. As co-signer, I can't settle anything if I am not properly made aware. Navient has refused to withdraw the negative mark on my credit report and stated that I can file a dispute but won't guarantee that it will be overturned.
Consumer Consent Provided Consent provided
2471939 2017-05-01 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Trouble with how payments are being handled
Sub Product Federal student loan servicing
Date Received 2017-05-01
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-05-01
Complaint What Happened My {$100000.00} student loan debt was transferred to Navient when XXXX XXXX split. I consolidated my loans for ease of repayment. However, their interest rates were not, thus each individual loan remained with its original interest rate. I paid off most of my loans by making overpayments, which I allocated to the individual loans in order of highest interest. I have only XXXX remaining loans, XXXX with a significantly higher interest rate. Navient, however, changed its website so there is no longer an option to allocate overpayments to separate loans. For months after switching to the new website they provided a link to the previous website, so I used that instead to allocate payments to the higher interest loans. This option no longer exists. In the explanation of loan allocation provided on the website, the company states that if loans are consolidated, payments must be made together and distributed evenly between loans. I believe this is incorrect and illegal. Strangely, in a separate description of online payments, the website claims one can allocate online payments to loans as they wish. Yet, that option is not actually there. Navient should be providing loan customers the option of allocating extra payments to their loans as desired.
Consumer Consent Provided Consent provided
6629738 2023-02-28 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Received bad information about your loan
Sub Product Private student loan
Date Received 2023-02-28
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-02-28
Complaint What Happened In XXXX, I took out a private loan from Sallie Mae ( Navient ) in the amount of {$8000.00}. This loan required repayment to immediately begin. I have consistently made the monthly payments on this loan for over 13 years. I haven't been late on my payment for this loan I have not been late on a payment for this loan in almost 10 years. In looking into my loan, I discovered that at the time of distribution, my principal total was {$8000.00}, but the " unpaid principal '' began at over {$14000.00}. So I have been accumulating interest and paying on a number that was not what I applied for or was dispersed. In XXXX my loans were sold to Navient and the total principal was changed to {$6700.00}. In the 10 years since they were sold, I have paid over {$7000.00} on this loan and the total principal owed has only decreased to {$5700.00}. There is not a way for me to control how my payments are allocated and there doesn't seem to be explanation anywhere. Today when I went to review this loan again, the status has been changed to in-school deferment. I have not requested this, nor did I give permission for it to be put in this status and I do not have a way of correcting this myself. The pay off date for this loan currently shows XXXX and with the current amount I am paying monthly, this would result in my paying another {$13000.00} or more on this loan. How a loan for {$8000.00} that has never been refinanced could end up costing the payer over {$24000.00} in the lifetime of the loan is crazy to me.
Consumer Consent Provided Consent provided
10519475 2024-10-22 Dealing with your lender or servicer Student loan
Issue Dealing with your lender or servicer
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Received bad information about your loan
Sub Product Federal student loan servicing
Date Received 2024-10-22
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-11-29
Consumer Consent Provided Consent not provided
6586199 2023-02-17 Problem with a credit reporting company's investigation into an existing problem Student loan
Issue Problem with a credit reporting company's investigation into an existing problem
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Their investigation did not fix an error on your report
Sub Product Federal student loan servicing
Date Received 2023-02-17
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-02-17
Consumer Consent Provided Consent not provided
7000265 2023-05-19 Struggling to repay your loan Student loan
Issue Struggling to repay your loan
Timely Yes
Company Navient Solutions, LLC.
Product Student loan
Sub Issue Problem lowering your monthly payments
Sub Product Federal student loan servicing
Date Received 2023-05-19
Submitted Via Postal mail
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-05-19
Consumer Consent Provided N/A

Date of last update: 07 Mar 2025

Sources: New York Secretary of State