City Star Nails

A representative
from the Office of Customer Advocate contacted the customer by telephone
on March 17, 2017 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 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 on May
12, 2017.  Please allow sufficient time for 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 have spoken to a representative of the company regarding my issue.  I was issued a refund check but not of the full amount that was paid.  Navient still owes $66 and I have not yet received a response from the representative.  My main concern is the customer service at Navient and the fact that I was not properly refunded.

A representative from the Office of Customer
Advocate contacted the customer by telephone on December 22, 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 January 13, 2016.  Please allow sufficient time for
postal delivery.

A representative from the Office of Customer
Advocate contacted the customer by telephone on May 21, 2015 and resolved the
issue with the customer.

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.

Problem:Navient violated confidentiality and my privacy and the fair credit reporting act. I requested a co-signer release from Navient on a 10 year old student loan and they claim I still don't qualify. My cosigner is in poor health and needs to be released. If you look at their pre-qualifying requirements. I am an executive and have had a stable job making over $90,000, I have a doctorate and an MBA and completed all of my programs. I am not in default, I am not a payment plan with them, more than half of my credit cards had 0 balances at the time they pull my report and my federal loan are in the process of being consolidating which do not impact this loan in anyway. I have not missed any payments of this loan either.I meet all of the qualifications. They claim that after 10 years and paying the loan for the last 3 on time that I do not qualify. They first stated in a letter I received in June 2015 that my income was insufficient,. I told to submit more documentation regarding my income and when I did that they came up within even excuses. They claimed to have a dispute committee but it never made it to this supposed committee which does not exist. hen after I demonstrated that the my income ($103,000 year annually) was more than sufficient then they stated 5 other things in my credit report that were not accurately. I called to speak to a representative who was not polite and who claimed my large federal loan which has nothing to do with this loan was too big and I needed to pay that one down significantly first before they would consider releasing my cosigner. They continue to make it every excuse to keep my cosigner tied to this loan. They have now issued a letter detailing what they claim was in my credit report to my cosigner with out my permission and violated my rights and confidentiality as again they are trying to make the case that I don't qualify even though they state that credit is not entirely of their decision and again I meet all of their other criteria. Some of their reps have any made statements that they would go after my co-signer's estate. The claim about going after her estate was made in a phone in October 2010 and was stated in several calls over the last 2 years while getting trying to get her released. They even claim in a letter that I did not make 12 consecutive payments and have made the payments. They refused to take me out of their deferment when I asked them not to defer my account and refused to give me a regular payment amount. They kept making the claim that my account was paid up. Their practices are illegal and unethical and they need to release my 77 year old cosigner from this debt that she will never have the ability to pay. They violated confidentiality as they had no right to disclose to my cosigner anything that the claim was in my credit report as I requested the co-signer release and I filed the better business report. This continues to mislead the cosigner, her family and creates more conflict on trying to get her released.Translate    Desired Outcome:They retract what they have sent in the form of false information to my cosigner regarding my credit report and they need to release her form the loan. I have already filed formal complaints with the FTC and State's attorney General.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]. Navient was able to locate...

the funds within only a few days of logging the complaint with you where as the prior 4 weeks no one could help me. The funds were identified to have been applied to the wrong account after a manual search. This is a very reasonable mistake that I can fully understand however the customer service received from the standard channels was simply inadequate. I am very glad that there is an organization that is dedicated to ensuring consumer rights and has enough influence to push past the customer service stall tactics and obtain a real resolution. I do not believe that this would have been resolved in a timely manor otherwise. Thank you for the support!
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 November 4, 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 September 19, 2017.  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 have determined...

that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.They said the issue would be completed by Oct. 1st if at that time I can go into my account I will close the case of of today Sept. 25th I can still not access the account online.
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 July 13, 2017.  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 have determined that this have not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Currently Navient is still reviewing my case.  They had finally contacted me March 27th requesting the same documents provided, I resent documents March 29th, no response or  return call, so I resent documents March 31st then got a call from Navient April 5th stating she was out of the office and need 48hours to 72 hours from the date of April 5th to review further documents.  Nothing has been resolved as they are still reviewing documents and will contact with an answer to the issue.
 
Therefore, still pending results of removing delinquency from credit bureau.  Nothing resolved as pending action from Navient at this time.
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 July 14, 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 28, 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]

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 the letter from Navient that I have attached.  Before I received the letter, I also received a phone call from Navient apologizing and informing me that I would be receiving a letter of apology.  I assumed everything was finally corrected.  However, on December 9th, I received an email stating that my forbearance (of which I do not have) has expired and that they have once again changed my payment plan.  I immediately called Karen and had to leave a message.  I did not receive any communication that day so I called again yesterday...of which I again had to leave a message.  I also emailed Karen.  I finally received a response that she is "looking into it".  Seriously?  This has gone on entirely too long and caused a tremendous amount of stress along with a tremendous amount of my time.  It is my credit that may be affected when I am seriously trying to pay my debt.  I am not running from the responsibility.  I have not received any communication yet today.  So...back to where we were before. Beyond frustrated,

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. 
This is great that they are going to send me a response, but this does not mean that the problem is resolved. As of 9-8-15 I have not received the mailed response. 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 March 18, 2016.  Please allow sufficient time for postal
delivery.