City Star Nails

A representative from the Office of Customer Advocate contacted
the customer by telephone on June 2,  2017 and we are working 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 have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.They may be sending me mail, but it could take longer to receive it than the duration of which I would need to reply to this message.I placed a payment with the representative over the phone to not have the money removed even AFTER my initial statement to the Revdex.com.I need to see what the letter says in regards to this error, so I do not have to wait another year to apply for the cosigner release if I were to wish to do so. I feel as if they do things like this strategically and in their interest as of yet. I did receive a explaining the changes from Navient to Sallie Mae, but it does not resolve this most recent situation with them not processing my payment, and that could impact it. Please kindly wait until I read what Sallie Mae is sending me.Sallie Mae can wait for my response too. We will have to wait for the mail.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.
Keep in mind they are being sued, but they failed to comment on this matter in their response. Also, I have requested paperwork that shows that I personally signed a promissory note, however, I have yet to receive any kind of proof in the mail or through my email that shows my signature. Also, they continue to postpone my payments so that interest on my loans continue to accrue daily, that way they get to keep a percentage. This is how they rip off people. I had to manually make a payment in February because they felt like doing things on their terms and cancelled my autopay. This is how they take advantage of consumers. I would also like to point out that every time I call and speak an an employee of Navient, I get a different answer. And believe me, I have spoken to dozens of employees. These people are not on the same page, therefore, they lie to consumers because they don't know the answer to simple questions. It is insulting for them to tell me that they have made "multiple efforts to educate" me, which is untrue because they never explained anything except lie to me and create more confusion. I am angry that they stole $6,352.77 in interest that they refuse to give back. I am not satisfied at all with this company and please make note that I want this to be documented on your records as an unresolved complaint, because it is. Navient should be ashamed of themselves.  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 15, 2017.  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 May 9, 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.
 On 21-Oct-2015 I received a letter from Navient dated 16-Oct-2105.  The letter states that Navient sent emails "each time a payment was rejected" and "there were several telephone calls placed to you and your cosigner between May and October 2015 in an attempt to notify you of the delinquency".  Both of these statements are false.  The letter goes on to state, "since there were no errors committed in servicing your account, and since we cannot process an Administrative Forbearance while you are enrolled in the Rate Reduction Program, your request for an Administrative Forbearance cannot be honored".  I know for a fact this is not true, since Navient processed an Administrative Forbearance for me the last time I enrolled in the Rate Reduction Program and filed a Revdex.com complaint when they tried to pull a bait and switch on the terms of that enrollment. Moreover, I have not been able to speak directly to the author of the letter, [redacted].  On Thursday 22-Oct-2015, I called [redacted]'s extension and got his voicemail.  I left a message and then called the main number in an effort to speak with another Navient representative with the Office of the Customer Advocate.  I was informed that I could only work with [redacted] and that since I left a message, he was required to return the call within 24-48 hours.  [redacted] did not return the call.  I called again today, Thursday 29-Oct-2015, and left another message.  I called back to speak with another representative in the same office ([redacted]), who assured me that [redacted] was in the office today and that he should return my call before the end of the day. Additionally, my mother informed me that a message from a Navient representative named [redacted] (not the same person) was left on her home answering machine.  The number this representative called is NOT my designated contact phone number, but rather the phone number of my cosigner, and I removed this as a contact number more than two years ago.  In addition to deliberately contacting an out of date phone number that is no longer listed in my contact information, [redacted]'s message was rude and disrespectful.  I saved the message and I would be happy to supply it upon request.  For simplicity, I have transcribed the message below. In conclusion, I do not accept the response made by Navient for several reasons.  First, Navient chose to contact me via letter under the guise of protecting my privacy  However, in the past, Navient has responded directly to my Revdex.com complaints in great detail.  Second, the letter I received contained incorrect information and my attempts to contact the author of said letter have been ignored to date.  Third, after incorrectly informing me that my request forbearance could not be processed, Navient did not offer any substitute solution.  Rather, they informed me that if I did not pay the past due balance I was in danger of being reported to the credit bureaus.  Fourth, a Navient representative left an inflammatory voicemail message for me on my mother's answering machine.  This number is not my listed contact number, so in doing so, he violated my confidentiality and privacy.  He also did not include his last name or a contact number, so I have no way of following up with him directly.  Navient has provided subpar service throughout the entire loan process and specifically throughout the process of resolving this issue.  I am not satisfied and I will continue to pursue resolution.
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 7, 2015.  Please allow sufficient time for postal
delivery.

A representative from the Office of Customer
Advocate contacted the customer by telephone on February 25, 2016 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:This company Navient keeps harassing writer [redacted] in regards to a student loans which do not exist. Further more student loans from 2001,2002,2007 and that have been inactive for more than 7 to 10 years a customer is no longer responsible for. Also bankruptcy discharged.Translate Desired Resolution / OutcomeDesired Resolution:Correction to a credit reportselectDesired Outcome:For Navient to stop harassing me and take this misinformation off my credit reports I owe nothing.

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.
Navient was unwilling to work with me to get to a reasonable payment agreement, despite documentation of finances and given situations. They refused to after the wonderful representative, Justin, strong case and determination to help to even offer any other type of solution. The only resolution is to pay the full amount which I can't afford or default the loan. I do not think it is fair that they are so unwilling to even come to an agreement and are very one sided in this matter. 
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 September 3, 2015.  Please allow sufficient time for
postal delivery.

A representative
from the Office of Customer Advocate contacted the customer by telephone
on February 8, 2017 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 August 19, 2015.  Please allow sufficient time for
postal delivery.

A representative from the Office of Customer
Advocate contacted the customer by telephone on July 23, 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.
The advocate Jocelyn from Navient never called me back to let me know if she received my teacher loan forgiveness application and if it was ok for her to send. I feel this is not correct and like always, they are giving me the run around. I want proof they sent my appication to the right hands, and if not I want to send the application myself. 
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 June 15, 2017.  Please allow sufficient time for postal
delivery. We will continue to work...

with the customer directly to resolve the issue.

A
representative from the Office of Customer Advocate contacted the customer by
telephone on January 4, 2017 and 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 May 10, 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.It now has been 7 days and I have not received anything in the mail from Navient.

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. The gentleman I spoke with [redacted] apologized numerous times about their errors in reporting and promise to correct these 4 plus years of erroneous reporting to all bureaus.  He stopped sort of making that correction in writing as asked and when  viewed my report there were still errors reporting even this month as derogatory. not 27 like before of even the 14 from last month.  The problem is there or 3 reporting.  One needs to be deleted for 9696.00 as he discussed is being reported in error. and the other 2 that are mine with a balance of just over 1300.oo dollars and being paid as agreed be removed from negative to positive sanding.  They are not laet and being paid as agreed.  This is still being reported incorrectly.  Since the corrections so far my score has jumped 42 points in one day.  So how much did this impact my score and ability to receive credit offers in the past or affect the interest rates offered to me f I did even receive credit at all.  This is non short of criminal that they are allowed to hold our credit hostage and offer only an apology like so what who cares they should be held accountable for all of our losses as well since they caused the hardship through countless errors and oversight.  I want this 9696.00 off now and my status for my 2 loans change to pad as agreed immediately like they stated...also how can you report an account as not paid as agreed when I was in deferment .  This was confirmed by the  supervisor that I spoke to in the beginning that told me to file a report here and follow up with escalations and to get an advocate involved. Go figure that I'm back here again with the same half corrected issues.