Jeremy

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Jeremy last won the day on October 12

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  1. Stephanie, Sorry for the late response. I have been busy drafting up my complaint to file in Federal Court. Yes, all these companies are tied together. When USAFunds left the student loan industry, they transferred most of the federal loans to Great Lakes. Great Lakes then was the new Guarantor. Under Federal Law, the Guarantor can use 3rd parties for services such as servicing and loan collecting. But the Guarantor shall oversee and be responsible for all due diligence. In my case, I actually have a documented phone conversation with Great Lakes that they never had my loans "in house" and only had it for a short time to pay the default claim but immediately sent it back to Navient. Navient has stated multiples time to me that they have attempted to contact me by phone, email and postal mail. I downloaded the whole year of 2017 and not one phone call is from Navient or Great Lakes. I did receive email throughout 2017 from Navient, but those emails only said there is a "new loan document available" and had a link to click on to login. Nothing ever stated there was a problem with any of my loans and I figured it was just a monthly statement since I was on electronic contact method. Since I knew I still had thousands of dollars ($117,000 to date) in school loans, I'm not going to check my balance every month. Since I was on electronic contact method, no mail was ever sent to my address and I tried to explain that to Navient but they are standing behind their statement. Both companies, Navient and Pioneer have told me that I could request a hearing, Pioneer said they mailed all that information to me before the garnishment, but once again no mail was ever sent to my address from Pioneer. Since I was told that I am still able to request a hearing, I was all for that, but still had some missing information I needed to plead my case first. No one in their right mind would request a hearing in front of a judge without having all information ready. So I began requesting some information from Navient and Pioneer, but they are reluctant to give me such documents. I have even went as far as filing a complaint with the Illinois Attorney General, Pennsylvania Attorney General, New York Attorney General, BBB and the CFPB. Still to this day, neither Navient or Pioneer have produced the documents I was asking for. My question is, if all due diligence was followed and the information I am requesting pertains to me, why can't I receive the requested information? For the past 20 weeks I have invested over 600 hours of research, phone calls, emails, letters, complaints and have obtained legal advice. Have used over 2000 sheets of paper and changed the toner twice. I also have had no social life, limited sleep, financial difficulties, stress, health issues, missing family functions and events, and declining work performance at work. Luckily, during all my research, I found out that I could be eligible for forgiveness under the Borrowers Defense program against my former school Devry Univeristy. So I applied and while it is under review, all federal loans are put into Administrative Forbearance and the defaulted loans need to be put into "stopped collections". As of this week, Pioneer sent my payroll department a cancelled and release form for my garnishment to be stopped. "Take that Pioneer!!!" Regardless of the outcome of the Borrowers Defense, I am still holding Navient, Pioneer, and Great Lakes responsible for all wrong doing. They have destroyed my life and need to be punished. I have talked to many others with the same situation, some differ just a little bit, but in the end it's all the same. If you are willing, I am asking you or anyone else reading this post to contact me by email with the statement you posted above just in case I might be need it in court. The more statements I have from others, the better chance these companies will be held responsible. I am also asking you or anyone reading this post, to post the following links on the social media: https://www.thepetitionsite.com/781/861/319/navient-petition/ gofundme.com/bringing-down-navient I will be posting updates after I file my complaint in court
  2. So, I have gotten a little further with Navient, although they are still not claiming fault, but Pioneer totally shut me off. They have not responded to my certified letter I sent to them almost 30 days ago, they haven't responded to my BBB complaint, and no response to the Illinois Attorney General. The Illinois Attorney General is sending them a reminder letter. In the mean time while I am deciding how to go about bring this matter to court, I have started a petition for ones that have suffered the same experience as me. I am asking to only sign it if you have had the same bad experience. Even if you have not had this problem, but know someone that has, please share this link on social media: Navient petition https://www.thepetitionsite.com/781/861/319/navient-petition/
  3. So, I have gotten a little further with Navient, although they are still not claiming fault, but Pioneer totally shut me off. They have not responded to my certified letter I sent to them almost 30 days ago, they haven't responded to my BBB complaint, and no response to the Illinois Attorney General. The Illinois Attorney General is sending them a reminder letter. In the mean time while I am deciding how to go about bring this matter to court, I have started a petition for ones that have suffered the same experience as me. I am asking to only sign it if you have had the same bad experience. Even if you have not had this problem, but know someone that has, please share this link on social media: Navient petition https://www.thepetitionsite.com/781/861/319/navient-petition/
  4. Sorry for the late response. But yes I have read all those documents, and even some others not relating to class actions. Most are not available online and have to search by individual courthouse websites
  5. So this is my conclusion: Between USA Funds leaving the industry of student loans and transferring loans to other servicers, communication was lost. USA Funds have always helped me in the past and it's a shame that such a great organization had to leave. Pioneer and Navient are owned and operated by the same company and do what ever tactics they need to do to make their profits look good. They are not there to help consumers, they both are a multi-billion dollar companies looking out for themselves. Department of Education is supposed to oversee all federal student loans and are helpful to a point, but they did hire Navient to help collect on federal loans and will not go against them as long as they are collecting. (legal or illegal tactics) Pioneer will not provide me with important requests as to their communication records to reach me, or the original document that their client USA Funds placed in their office, or where exactly my money is going to after wage garnishment. They can only tell me that it is applied to my loans (you tell me that you collect my wages every week and it magically pays my loans? I want to know exactly who it goes to) Navient, their advocate office has been patient with me with all the phone calls, complaints with the BBB, CFPB and attorney generals and attempting to meet my requests, but they are not admitting fault and at this time no offers of resolution. (Probably afraid of another lawsuit) Well, with all the documentation that I currently have and some recorded phone calls, that time will be happening real soon unless I get resolution. Unfortunately, I believe many others have experienced the same situation as me, but when contacting the collection department, they immediately talk about enrolling in a IBR to rehabilitate the default loan to remove the garnishment and to get the loan back into good standing. I was almost going to do that in the beginning, but then I thought, how and why was this in default to begin with? Earlier this year I was in contact with a different collection agency about the same defaulted loans. I explained to him there had to be mistake because all my federal loans were in forbearance. He explained what I needed to do to dispute it and he would put into dispute status on his end. I guess 3 weeks later, someone didn't like that response and assigned a different collection agency(Pioneer Credit Recovery) to do a administrative wage garnishment. So far to date I have 526 hours invested in research, phone calls and emails relating to this matter. It has been another full time job with only 1 day off since June 6th 2018 when this all started. I have had no social life, limited sleep, financial difficulties, stress, health issues, missing family functions and events, and declining work performance at work. I catch myself every minute of everyday that I am constantly thinking about how this happened and what is my next step.
  6. Adda, That seems so familiar. I too kept get re-directed back to Navient. When I was starting to make phone calls to get answers ( I probably made over 25 calls that day), it didn't matter what number someone gave me, it always kept going back to Navient. I actually spoke to the same woman about 4 or 5 times that day. I actually had to laugh the last time I spoke with her. We definitely were on a first name basis by then. I actually received a number last week that will go directly to Great Lakes - try 8886019976. That actually worked for me
  7. Hello Adda, I know that everyone's case will be different from the other. But one thing that I have been reading about is Navient's communication. They are failing customers by not having the correct communication methods. I just wanted to thank you for making this post, the more that reads and posts their similar situation the better off it will be in the end. Although nothing will happen overnight, but I have been working on my case for over 2 months now and hopefully getting closer to a resolution. So far I have gotten the Illinois Attorney General, Department of Education, CFPB, BBB and a couple law firms involved with my case. My next step might be NBC 5 News Investigates. Make sure you keep all documents and write down any information when speaking to anyone (name of the person, date, time and what the conversation was about). I will keep this thread updated as I receive more information.
  8. Federal. My private loans are being payed monthly and is in good standing. Its the federal loans they are messing with
  9. Please check out my new blog:
  10. Have you experienced any problems with you student loans from Navient? Were you ever not notified of loans going into default? Did any of your loans go into default without being notified and now your wages are being garnished and you can't get any answers or solutions? Are you getting the run around from Navient and Pioneer Credit Recovery Inc? Did any of your loans from United Student Aid Funds get transferred to Navient or Great Lakes and now none of them are claiming to own your loans and some collection agency is aggressively going after you to collect? If you answered yes to any of the above questions, then please read on. What I do know is that USA Funds (United Student Aid Funds) have changed their name and longer service student loans. They transferred federal loans to Great Lakes. The problem i'm encountering is that Great Lakes told me they had two of my federal loans for a short time but transferred it back to Navient. Navient tells me that they are speaking on behalf of USA Funds, but can't do any modifications or changes to the defaulted loans because they are not the original guarantor . Pioneer Credit Recovery says only USA Funds can change or withdraw the garnishment (do you see the problem?) No one is claiming to own my two federal loans that went into default. No wonder why I was never notified. Now, I have heard from Navient saying they do not have my defaulted federal loans and I should contact Great Lakes. But Great Lakes say they too do not own the loans (like chasing a ghost). When I contact Pioneer, I let them know that USA Funds apparently do not exist and should null the garnishment order immediately, they declined and said they are going off their contract. I let them know since USA Funds no longer exists their contract is invalid and illegal (the whole conversation has been recorded) They didn't seem to care. The really interesting research I did, is that both companies are currently being sued by several attorney generals and the CFPB. And the really interesting part is that both companies are connected (several board members on Pioneer are also board members on Navient). I too currently have complaints in on both companies with the: BBB, CFPB, US dept of Ed, Illinois AG, Washington AG, New York AG. I am asking you that if you answered yes to any of the question above, PLEASE take the time and respond to this post. I think these two companies are starting a new scheme and should be stopped immediately. If there are enough responses and others that are experiencing the same problem, I WILL try my best to start a Class Action. Also, please post this forum on any social media account to help get the word out. Also, just in case someone or some company has this blog taken down and as long as the owner of this site allows, send me a PM or email me your contact info (Name and contact method only) in case this does go to court, I will be able to keep you updated. My email is jblanchettedevery@yahoo.com
  11. I will keep you updated. I also found out that several board members on Pioneer are also board members on Navient
  12. Well Navient still uses USA Funds to hide behind while trying to get answers. Collection agency wont help unless my original guarantor "USA Funds contacts them. All calls get redirected back to Navient, Navient says they are speaking on behalf of USA Funds, but cant change or modify anything because they are not the original guarantor. Navient and Pioneer are up to something, and after some research, I'm finding more shady and unethical practices between the two companies.
  13. The really strange thing about the USA Funds is that they changed their name to Strada Education Network in March 2017 and no longer services student loans. Navient talks on behalf of USA Funds, but that organization no longer exists.