This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 4,055 complaints

Navient Solutions, LLC. - Debt Collector Complaint Profile

CFPB complaint profile across 54 states, reputation grade D.

Complaints by issue type

What consumers report about Navient Solutions, LLC.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 55.8/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Navient Solutions, LLC. ranks ahead of 28% of the 5,283 collectors PlainCollector grades - 72% keep a cleaner CFPB record, on 4,055 all-time complaints and a 100% timely-response rate.

28th pct
reputation rank of 5,283 graded collectors
4,055
CFPB complaints, all-time
100%
answered inside the CFPB window
57
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Navient Solutions, LLC.?

Navient Solutions, LLC. has accumulated 4,055 total CFPB complaints across 54 states, with 57 filed in the most recent 12 months against 3,998 historical complaints before that window. The trailing-12-month volume represents 1.4% 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". The company posts a 100% timely-response rate against a 18% consumer-dispute-after-response rate.

Complaints have been recorded across 54 states, led by California with 461 and Texas with 333. Normalized against the full CFPB collector database, the reputation score of 55.8/100 places Navient Solutions, LLC. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

4,055

high-volume (CCDB)

Last 12 months

57

1.4% of all-time complaints

Falling ↓

States active

54

nationwide footprint

Timely response rate

100%

excellent band

Consumer disputes

18%

average (vertical avg ~19%)

Reputation grade

D

55.8/100 composite

How does Navient Solutions, LLC.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 28th percentile higher than 28% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Navient Solutions, LLC. versus the debt-collection vertical average.

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) 17.9%
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?

How does Navient Solutions, LLC. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Navient Solutions, LLC… National average
Complaints (last 12 mo)lower is better
57
652
268
Timely-response ratehigher is better
100%
99%
91%
Consumer-dispute ratelower is better
18%
12%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 1,122
Attempts to collect debt not owed - 696
Cont'd attempts collect debt not owed - 580
False statements or representation - 398
Written notification about debt - 369
Improper contact or sharing of info - 258
Disclosure verification of debt - 224
Took or threatened to take negative or legal action - 186
Threatened to contact someone or share information improperly - 161
Taking/threatening an illegal action - 57

Where do complaints against Navient Solutions, LLC. come from?

Navient Solutions, LLC.'s own per-state count, not a national baseline.

Top states by complaints against Navient Solutions, LLC.

Across 54 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Navient Solutions, LLC. contacts you

A grade of D signals how Navient Solutions, LLC.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Navient Solutions, LLC. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Navient Solutions, LLC. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 4,055 complaints filed with the CFPB.

Are complaints against Navient Solutions, LLC. increasing or decreasing? ▼

Complaints against Navient Solutions, LLC. are falling. The company received 57 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (461 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.