CFPB Consumer Complaint Profile
Navient Solutions, LLC.
What 43,468 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 43,468
- Total complaints
- Among the highest
- 818
- Last 12 months
- 100%
- Timely response
- Top decile
- 60
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Navient Solutions, LLC. sits at #20, with 43,468 complaints logged. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #20
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Student loan
- most-complained product
- 60
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Navient Solutions, LLC. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 3,080 in 2024 to 1,149 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 1,209 |
| 2013 | 1,586 |
| 2014 | 2,434 |
| 2015 | 2,102 |
| 2016 | 3,308 |
| 2017 | 11,927 |
| 2018 | 5,102 |
| 2019 | 3,796 |
| 2020 | 2,151 |
| 2021 | 1,937 |
| 2022 | 2,115 |
| 2023 | 1,376 |
| 2024 | 3,080 |
| 2025 | 1,149 |
| 2026year in progress | 196 |
Complaints by State (Top 15)
Company Responses
Navient Solutions, LLC. Complaint Concentration Profile
Navient Solutions, LLC. is a high-volume CFPB cohort (43,468 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 58 named product lines in the stored breakdown, the leading three (Student loan, Student loan, Student loan) hold a 81.8% share of product-tagged complaints. The Herfindahl index on that product mix is 0.244 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Dealing with your lender or servicer, Dealing with my lender or servicer, Struggling to repay your loan) cover a 62.1% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, Florida, New York) hold a 24.7% share of state-tagged volume across 60 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 94.0% share among the 43,468 response-tagged complaints (40,865 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2017 (11,927 complaints); the lightest year on file was 2025 (1,149). From 2024 to 2025, annual volume fell 62.7% (3,080 → 1,149). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Navient Solutions, LLC.
The CFPB Consumer Complaint Database has logged 43,468 complaints against Navient Solutions, LLC. overall, with 818 of those filed in the trailing 12 months. Reports have come from consumers in 60 states and territories, making this a nationwide complaint footprint. "Student loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Dealing with your lender or servicer" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Navient Solutions, LLC. draw a 100% reply rate inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 17.1% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 6% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Navient Solutions, LLC. have?
43,468 complaints have been filed against Navient Solutions, LLC. with the CFPB overall - 818 of them in the past year.
Does Navient Solutions, LLC. respond to complaints on time?
CFPB complaints against Navient Solutions, LLC. draw a 100% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Navient Solutions, LLC.?
The most complained-about product for Navient Solutions, LLC. is "Student loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Navient Solutions, LLC.?
Consumers most often cite "Dealing with your lender or servicer" when complaining about Navient Solutions, LLC.; the full issue list with counts is above.
How do I file a complaint against Navient Solutions, LLC.?
You can file a complaint against Navient Solutions, LLC. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Navient Solutions, LLC.?
Navient Solutions, LLC. has drawn CFPB complaints from 60 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Navient Solutions, LLC.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (43,468 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (17.1% here).
Also handles Student loan
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.