City Star Nails

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A representative from the Office of Customer
Advocate contacted the customer by telephone on May 11, and resolved the
issue with the customer

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Revdex.com:
I
have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. This doesn't answer for the coercive manner I want an apology, and those two individuals disciplined and or terminatedThey have not help the situation and have caused me more problems.
Regards,

Revdex.com:
I
have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is mostly satisfactory to me. I still find the customer service experience deceitful and misleading
Regards,

RevDex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Revdex.com:I have reviewed the response made by the business in reference to complaint ID 10837828, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.I have still not received my FULL account summary or had access to my online account restoredI have neither been notified or provided with any proof that *** has been taken off my account or disassociated from my social security numberAdditionally, while *** with Navient promised to mail me my account information I did not receive itInstead, what I recieved in the mail was a notice regarding my consent to withdraw from receiving my Wstatement electronicallyI did not give my consent for that and it was not what I had asked forWhile I did receive some of my account information via email, it was not my a full summary of my accounts and read more like a bill outlining onot my previous payment, balance on only my loans in repayment, and the due date of my next paymentWhile I appreciate that, it's not exactly what I have been asking for and I'm confused about what I've been sent in the mailI have not been restored online access to my accounts and *** from Navient is not returning my callsThis behavior is unacceptable especially from someone who works in the Office of Costomer AdvocateI expect an explanation for this non compliance of my simple requests.Regards,*** ***
Regards,

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on August 24, 2015. Please allow sufficient time for postal delivery

RevDex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. The letter that Navient sent does not answer any questionsThey have repeatedly sent me my promissory note, which I said I understandThey talk to me like I am an it and are extremely rude over the phone, they continually send me the same information without actually answering my question. My question to them is why does my interest keep raising when I have perfect payment history of an unreasonable $ a month with a current 11.125% interest rate....I have made every payment on time, and the federal interest rate has NOT gone up, can I get an answer as to why interest rate keeps going up? What have I done to deserve this? What Navient has done is predatory lending. I was years old when I graduated high school and went off to college, I had no credit, I was 18, who has credit at 18? I will be repaying 3x the amount of the loan when I am finished, this is predatory lending and completely immoralI have great credit now, why is Navient aloud to continue to raise my interest rate? No other company has an interest rate that high. Most places I have called, Citizens Bank, So-Fi, etc, their highest rates are around 7%Why can Navient get away with 11.125% and then continue to raise it to someone who has paid everything on time and the federal interest rate has not gone up? Thank you,

Revdex.com:
I have reviewed the response made by the business in reference to complaint
ID *** and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
*** *** at Navient was very helpful in addressing my initial concern that the two loans I settled in full in December weren't reflected on my Navient loan online portalShe was able to get the inaccurate information deleted from the Navient website, and the two loans in question no longer appear when I loginI thank her for her swift resolution of this part of the problemHowever, I still have not seen any update to my three credit reportsMy credit score has not changed, and there is no update regarding these paid off loans when I review my credit scores online, including Transunion, the one that has the lowest credit score of the threeI cannot consider this issue resolved until Navient makes sure that all three credit bureaus have the full and complete information, AND that all three of them accurately reflect thisWhen that is done, my credit score will go upIt's not enough just to give the three credit bureaus SOME of the information (if THAT has even been done - all I have is her word that she WOULD submit the information to them, and I have no proof that she did, because no change in my credit rating has occurred to date)I need ***/Navient to COMPEL all three of the credit reporting agencies to get the facts of these loan settlements fully REPORTED, so that the new, accurate information actually makes a difference in my credit report/scoreI have no way of following through with the three credit bureaus myself; the information needs to come from Navient, TO Equifax, Transunion, and Experian, so that each one updates their records COMPLETELY.
Regards,

RevDex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Navient is claiming that the application for the loan forgiveness was never received. I have attached the letter that Navient sent me (that was received today - 2/21/2017) stating it was never received. I am also attaching my previous fax that includes the receipt that the fax was received, cover letter, and my application for loan forgiveness. Additionally, I made a follow up call on 2/1/asking about my application. It was on this date that I was denied the grant and was told to transfer my account and that it would be looked at after an additional payments were made (or years). This is the same day that I contact Revdex.com.
Regards,
*** ***

RevDex.com:
I have reviewed the response made by the business in reference to complaint ID 10846803, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Problem:I have already filed this complaintI received a response from you on October 13, and this case was closed on 11-23-I am not please with how Navient wants to settle the caseNavient has offered solutions that would put me in more debt and/or does not address my problemThe options they gave me are, Deferment, Forbearance or ConsolidationWhen I started teaching in Delaware over years ago, their pitch was that working in a Title School would qualify me to apply for a small teacher forgiveness loan after investing consecutive yearsI invested over years in Title schoolsIt wasn't until I received the forgiveness application that they exposed the factor that to be eligible for TLF a customer cannot have had a balance on a Federal Direct Student Loan as of October 1, Navient was mis-leading and that stipulation is inequitable and age discriminativeTo not have a loan prior to Oct 1, means that one would have to be no more than about twenty years old.TranslateDesired Resolution / OutcomeDesired Resolution:Other (requires explanation)selectDesired Outcome:To be awarded a $loan forgiveness towards my balance on the loan.Translate

RevDex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Problem:These are educational loans that were in deferment or forebearance I have never been lateThese loans were paid on time all the time and are being paid now company not reporting payments for months yet they have reported incorrect information about the accounts being charged ofcount numbers are *** *** *** *** *** (loans for navient)These loans have never been late and were refinanced to get a lower interest rate onlyThey have ruined my credit when the reason for me attending college is to do just the opposite I do understand mistakes are made but I have disputed it yet it is not fixed yet!Translate Desired Outcome:Updating all three credit reports reporting payments and removing late times loans were in deferment/forebearance never late just refinanced in order to get a better rate (interest rate)APOLOGY LETTER ALONG WITH VERIFICATION THAT AGENCIES (BUREAUS) HAVE ALL BEEN FIXED/UPDATED SHOWING PAYMENTS AND REMOVING LATE TIMES BECAUSE THEY ARE INCORRECTTHANKS ALL

A representative
from the Office of Customer Advocate contacted the customer by telephone
on February 13, and resolved the
issue with the customer

Thank you for
your message. In the interest of protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via email on December 27,

RevDex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Just received an account statement form NavientMonthly interest starting 7/21/ranges from $a month to $month Loanexplain amount, principal is reducing, so interest should reduce at the same rateAmount applied to principal ranges from $- $Unable to explain billing practices, get a different answer/ amount from representatives each time I callStill seems shady to meI have no late fees but when the loan was acquired by Navient, the interest was a high of $That seems unreasonable for a month. I question the validity of charges and the process of variable interest / variable principal payment is odd, I have not seen this before on a student loan paymentThis has not been resolved to my satisfaction. Kind regards, *** ***

Revdex.com:
I
have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Problem:Currently this company is reporting falsely on my credit reportThey are reporting an open balance as well as a monthly paymentI have tired on many occasions to settle this debt but never receive a response backI have sent in my credit report twice with in the last year to prove what they are reporting and again have not heard backI sent something in May and June The lack of response is totally unacceptableThis company either needs to update the reporting of my credit or they need to remove as this debt is over yearsI will continue to report them to whatever agency I need to until they resolve this matter.Translate Desired Resolution / OutcomeDesired Resolution:Correction to a credit reportselectDesired Outcome:This needs to be removed from my credit report as it has passed years since they have reported