City Star Nails

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 October 17, 2017.

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 June 30, 2016.  We will continue to work with the customer directly to resolve the issue.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

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 December 29, 2016.  Please allow sufficient time for
postal delivery.

Better Business...

Bureau:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
 I sorry when I received the email on the 17th of February, I was trying to respond to it but I could not write anything at the time it would not allow it. But since I file the complaint . I have received a call from  the company which had still not responded to my request for an accounting of payments. I did received a copy of loan which  of course was a promise to pay and as the co-signer. I found out that the loan had been splint up and the payment plan agreement was only being paid on a federal loan that I was not aware of. I have spoken  to Mr. Brown on this matter as he has  attempted to pay this loan back since 2007. I talk to one of representative at the company who had basically  threaten me and has continue to harass me from 8am to 10pm. Now they are calling me at work. They still are saying that there is no payment plan set to collect payment which I know has already started again. Please I need some assist with this matter.

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 April 19, 2017.  Please allow sufficient time for postal
delivery.

Better Business...

Bureau:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I received a letter from Navient on November 29,2016. Upon review of the letter,I noticed that the agreed upon amount to be paid by auto-pay on the 19th of every month was incorrect. It stated that $78.98 would be deducted from my account on December 4,2016. I had specifically set the payment of $64.00 up on the 19th of every month, as that is when I will have money in my account. It gave me the name, number, and extension of someone from the customer advocacy board whom I could reach directly. When I called the number, however, it sent me to a direct representative line and did not give me the ability to enter the extension of the contact person. The first person I spoke to told me she could put in a request to change my due date, but that it would not take effect until January of 2017 and that the payment of $64.00 will come out on the 4th of December, 2016. She could not tell me where the balance of $78.98 came from, as she did not have that amount in her system. When I explained my situation and the payment agreement for the 19th of every month, she directed me to someone else. In all, my phone call lasted one hour and 5 minutes. The fourth, and final, person I was transferred to stated he was with the billing department and could not request a change in my due date, and he would have to transfer me back to customer service. I was told if I cancelled the auto-payment, that the balance that was brought current on 11/19/16 by a payment of $64.00 would be retracted back to the 6 months of payments that Navient is saying I was notified of and that I would have a balance due of several hundred dollars. Yet again, another bullying tactic used by Navient. Apparently the payment agreement I arranged for the 19th of every month was only for November and Navient had the right to move my due date. Due to my financial situation, had I been aware of this I would have set it for the 19th of every month, assuming that's what I had done when I made the agreement on November 8th. I was given the option to leave a message for the person assigned to my case, but declined and instead opted to try and reach her tomorrow. This is extremely tiring as I had just gone in circles with 4 different people for over an hour, each who told me something different. In addition to the inaccuracy of the amount and due date, the letter stated that my main complaint was repeated phone calls. That is also incorrect. The initial complaint was due to horrific customer service that I experienced over a period of weeks. Navient stated that the automated calls would stop once contact was made for the day, but that is not true. I answered the phone calls from Navient several times a day. Every time I pressed to speak to a representative, and every time the phone disconnected. The experience I had with a representative on November 8th was the reason for my complaint, not the phone calls, although those were an annoyance as well. There is no other word to describe my overall experience with Navient other than horrific. Their attempt at a response was just another let down from a company who uses bullying tactics to get over-payments. Also, when I attempted to call today the automated system stated I had a balance of $9 due on Dec. 1,2016. No one could explain that amount to me either. I am so exhausted from going round and round with this company. 
Regards,
[redacted]

Revdex.com:
I...

have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
 
Problem:My complaint is regarding being treated unfairly, my email and phone messages have gone unreturned and I'm being ignored, Navient now refuses to communicate with me about my private student loan, I've phoned and emailed [redacted] about me being totally and permanently disabled. And they have been deceptive and have obscured information I needed to apply for assistance with repayment. Navient has caused damage to my credit by failing to assist me. They have lied to me numerous times about not being able to assist me with affordable repayment terms. The numerous difficulties and obstacles Navient has placed in my way is causing me default on my private student loan. Navient never notified me about my right to release my cosigner until I was denied my total and permanent discharge application, that had been submitted 3 or more times. I'm mentally and physically tired of being declined, ignored and treated unfairly after I submitted all documents and forms as outlined by customer advocate office. Ive faced financial hardship since 2015 and have faced numerous obstacles and difficulties friend m Navient. I'm financially vulnerable to Navient but they have not soften my student loan burden. They have violated my federal rights and have failed to perform federal policies as well as mislead and misrepresented their rate reduction loan program terms and repayment amountto me. Please let me know how I can submit all my correspondence to and from Navient Office of customer advocate.Translate Desired Resolution / OutcomeDesired Resolution:Other (requires explanation)selectDesired Outcome:My desire is for Navient to discharge my private student loan as outlined in the total and permenant disability application or have Navient process my request for rate reduction loan program with the terms and repayment explained during a recorded conversation on January 25th 2017.TranslateMessage to Revdex.com

Revdex.com:
I...

have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.They still have only sent me partial documentation for my loans. 
Regards,

A representative
from the Office of Customer Advocate contacted the customer by telephone
on August 26, 2016 and resolved the
issue with the customer.

A representative from the Office of Customer
Advocate contacted the customer by telephone on October  14, 2015 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 US
Postal Service on April 20, 2016.  We are working with the customer directly to resolve the issue.

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 October 5, 2016.  Please allow sufficient time for postal delivery.

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 October 31, 2016.  Please allow sufficient time for
postal delivery.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
 
Regards,
 
[redacted]

A representative from the Office of Customer Advocate contacted the customer by telephone on August 20, 2015 and resolved the issue with the customer.

Revdex.com:
I...

have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I have not received anything from Navient on this matter.  They called me on July 2nd, and I was in the mountains for my birthday and didn't have adequate cell service to discuss the matter and the rep told me she would call me Monday July 6th.  I never received a call back. After researching further into my claim, I have found that Navient has also failed to follow the terms in my Master Promissory note by not allocating my payments correctly.  My MPN states that my payment will be allocated first to late fees, then to all remaining unpaid interest, then anything remaining after that will be paid to principle.  I have found that I have over $600 in unpaid accrued interest due in my loans that have not been paid.  Navient as had my loans for over two years and they have been allocating my payments partially to my interest, but also a significant amount to my principle, when it should of been used to pay off unpaid interest.  I am worried that that accrued interest of $600 will be capitalized back on my account.  I don't understand how a company contracted through the dept of education can act in such a reckless manner without discipline.  I have read countless articles against their practices and most recently read about a class action lawsuit filed against them for charging active duty personal interest while abroad, when that too is protected in the MPN. There needs to be stronger laws to protect students in repayment who are not in default and have followed the repayment terms.  I have logged 10-15 hours of time into dealing with their fraudulent ways and have not accomplished a single thing, when all i'm trying to do is repay my student loans without being taken advantage of or being told I can not determine how my money is applied to my loans.  
Regards,

Better Business...

Bureau:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.A representative, [redacted], has reached out to me but once I called her back to speak with her, I have not heard a response back yet. I continue to pay the amount that Navient has asked for and my amount I am up to today is $216.12 per month.

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 September 22, 2017.  Please allow sufficient time for postal
delivery.

A representative
from the Office of Customer Advocate contacted the customer by telephone
on December 16, 2016 and resolved the
issue with the customer.