Free Help to Stop Navient Collections Harassment

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg


Navient is a debt collection agency which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.

What is Navient?

Navient is a debt collections agency based in Wilmington, Delaware. It appears as though there are a variety of different complaints against Navient alleging violations of the Fair Debt Collection Practices Act (FDCPA) including convincing borrowers to pay more than the debt owed, and failing to provide accurate information on debt owed. If you have been contacted by this debt collector, make sure you understand your rights before taking action.

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Is Navient a scam?

They’re legit. Navient can be considered a legitimate collections company due to the fact that it has been in business for 48 years and has also been accredited by the Better Business Bureau. Therefore, it is unwise to ignore the need to resolve your debt and write off this collections company as a scam.

However, according to the Better Business Bureau, Navient has been sued by 33 states and the CFPB. The details provided by the BBB include information on violations of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act. These charges include: “Fails to correctly apply or allocate borrower payments to their accounts, Steers struggling borrowers toward paying more than they have to on loans, Obscured information consumers needed to maintain their lower payments, Deceived private student loan borrowers about requirements to release their co-signer from the loan and Harmed the credit of disabled borrowers, including severely injured veterans”.

Due to the severity of these charges, many complainants believe that Navient may not have helped them resolve their outstanding debt problems in a professional or courteous way and could have violated the FDCPA. Additionally, according to the BBB, the collections company is headed by “Ms. Angie Kamionka, Director, Ms. Tracey Keating, Manager, Mr. John F. Remondi, CEO, Mr. Paul Hartwick, Vice President of Corporate Communication, Ms. Patricia N. Christel, Chief of Staff”. Lastly, According to, Navient has a total of 5,800 employees and sales of $5 billion.

Who does Navient collect for?

Navient specializes in student loan debt collection. Therefore, the debt that you allegedly owe Navient is likely from loans taken out to pay for education fees. However, it is still incredibly important that you, as a consumer, contact the collections company to verify and attain details on the debt. Acquiring this information is important because due to the outsourcing of debt, one collection account can turn into many reporting on your credit file if the debt is not dealt with.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Lemberg Law received an A+ rating from the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against Navient?

There are many complaints posted about Navient across the internet. On the BBB there are currently 979 complaints closed in the last 3 years and 257 complaints closed in the last 12 months, as well as 109 reviews amounting to a 1.01 review overall on the BBB. There are additional reviews posted on Consumer Affairs which include a number of consumer complaints. Overall, Navient received a 4 star review from 564 reviews posted on Consumer Affairs. Ultimately, the similarities between these complaints and the angry sentiments of complainants awards this collections company a less than glowing review. More seriously, this collections company could have also been a part of a variety of lawsuits, sanctions, and penalties according to  Public Access to Court Electronic Records (“PACER”), which reports all federal complaints within the U.S. federal system’s docket.

Contact Information

  • Mailing Address: 123 S Justison St Wilmington, DE 19801-5360
  • Website:
  • Phone Number:  (888) 272-5543

Can Navient Sue Me or Garnish My Wages?

Ultimately, it is illegal for Navient to make empty threats to sue you or garnish your wages. However, Navient can choose to sue or garnish wages after a default judgement. Therefore, a collection company would likely choose not to sue you for unvalidated debt, but it is the wisest option to contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law awards consumers the power to fight back against these fraudulent collection practices. Need Help? Call us today.

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Navient?

Absolutely. You can sue a debt collector. Here is a sample complaint:

A complainant explains that Navient misinformed them of loan forgiveness repayment options and denied them access to certain options. The complainant chose to call Navient, and every time over the last several years that they attempted to resolve the loan issue, the company would simply steer the complainant toward forbearance, lying and pretending to be helpful to the complainant. Additionally, the complainant claims that Navient misled themselves as well as many others. Ultimately, the complainant would like justice for this failure to inform them of their loan repayment options.

Navient Calling You?

The Fair Debt Collection Practices Act outlines a person’s protections against the abuses and misconduct of collection agencies. If you find that a debt collector may have violated your FDCPA rights, it is important that you contact and attorney to resolve the matter and receive compensation. You can find your FDCPA rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Remember that in addition to your rights under the FDCPA, you have supplementary rights to protect yourself from fraudulent practices under the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Can I sue Navient for harassment?

Yes, and if you would like to defend your rights and recover your damages you should. Suing is the correct course of action if you have found that your FDCPA rights or TCPA rights have been violated. Federal laws protect citizens like you from these fraudulent practices. Moreover, you should choose to award yourself the ability to defend your rights and receive compensation by suing if you feel as though these rights have been violated. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop Navient Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • A collector has called you in the early morning or late night
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • A collection company threatened you with negative credit reporting
  • A debt collector attempts to intimidate you
  • A collector accused you of criminal conduct
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“They took care of everything. Very efficient, competent and always returned calls quickly. Very pleased with how quickly it was taken care of.”

“A pleasure being represented by Lemberg Law LLC . I have used their services before with the same professional results. A well deserved 5 Star recommendation.”

“I had a Fair Debt Collections Practices Act case, after a creditor called me post 9:00 PM. Working with Lemberg Law was easy and efficient. Just as they say, the case was taken on a contingency that they would win or not charge me –and if they did win, they’d charge the offender the costs. So I had nothing to lose. The creditor agreed to settle, compensating me and Lemberg Law.”

Can You Help Me Delete Navient from My Credit Report?

Yes, we would love to help. Call us today.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

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