Total CFPB complaints
4,041
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 4,041 complaints
Navient Solutions, LLC. — Debt Collector Complaint Profile
CFPB complaint profile across 54 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Navient Solutions, LLC.
- Communication tactics
Communication tactics
963 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
536 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
502 complaints
- False statements or representation 312
False statements or representation
312 complaints
- Written notification about debt 273
Written notification about debt
273 complaints
- Disclosure verification of debt 144
Disclosure verification of debt
144 complaints
D
Grade D · 55.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Navient Solutions, LLC.?
Navient Solutions, LLC. has accumulated 4,041 total CFPB complaints across 54 states, with 63 filed in the most recent 12 months against 3,978 historical complaints before that window. The trailing-12-month volume represents 1.6% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 18% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 54 states, led by California with 458 and Texas with 330, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.8/100 places Navient Solutions, LLC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
63
1.6% of total history
Falling ↓
States active
54
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
D
55.8/100 composite
Response-quality profile
How Navient Solutions, LLC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 35.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 96.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Navient Solutions, LLC. compare to its peers?
Navient Solutions, LLC… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Communication tactics963 (%)
Cont'd attempts collect debt not owed536 (%)
Attempts to collect debt not owed502 (%)
False statements or representation312 (%)
Written notification about debt273 (%)
Disclosure verification of debt144 (%)
Improper contact or sharing of info118 (%)
Most common issue: Communication tactics — Frequent or repeated calls
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 812 |
| Cont'd attempts collect debt not owed | Debt is not mine | 416 |
| Attempts to collect debt not owed | Debt is not yours | 347 |
| False statements or representation | Attempted to collect wrong amount | 312 |
| Written notification about debt | Didn't receive enough information to verify debt | 273 |
| Attempts to collect debt not owed | Debt was paid | 155 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 151 |
| Disclosure verification of debt | Not given enough info to verify debt | 144 |
| Cont'd attempts collect debt not owed | Debt was paid | 120 |
| Improper contact or sharing of info | Talked to a third party about my debt | 118 |
Where do complaints against Navient Solutions, LLC. come from?
The states where consumers have filed the most CFPB complaints against Navient Solutions, LLC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Navient Solutions, LLC.
Across 54 states with at least one filing
- California
California
458 complaints
- Texas
Texas
330 complaints
- Florida
Florida
297 complaints
- New York
New York
280 complaints
- Georgia
Georgia
196 complaints
- Illinois 157
Illinois
157 complaints
- Pennsylvania 144
Pennsylvania
144 complaints
- Ohio 136
Ohio
136 complaints
Frequently Asked Questions
What is the most common complaint against Navient Solutions, LLC.? ▼
The most common issue consumers report about Navient Solutions, LLC. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 4,041 complaints filed with the CFPB.
Are complaints against Navient Solutions, LLC. increasing or decreasing? ▼
Complaints against Navient Solutions, LLC. are falling. The company received 63 complaints in the last 12 months, showing improvement over prior periods.
What is Navient Solutions, LLC.'s reputation grade? ▼
Navient Solutions, LLC. has a reputation grade of D (score: 55.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Navient Solutions, LLC. respond to consumer complaints? ▼
Navient Solutions, LLC. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.
In how many states does Navient Solutions, LLC. operate? ▼
Navient Solutions, LLC. has received CFPB complaints from consumers in 54 states, with the most complaints from California (458 complaints).
What can I do if Navient Solutions, LLC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Navient Solutions, LLC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |