City Star Nails

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.
Until I have seen the letter posted to me by Navient regarding the matter in question I cannot accept their response to my claim. Once I do receive the letter I may be able to respond differently, but in light of the fact that the Revdex.com will assume the matter has been resolved if I do not respond within five days, and I cannot guarantee that I will receive the letter in question in that time, I reject the claim in the interim.
Regards,

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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 18, 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 have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I have been in contact with a representative from NAVIENT regarding this matter.  I have been told that they will "work with me" on this matter.  The latest was that I will have to pay over $2,000 before being placed back on a payment schedule to repay the loan.  I was told that this must be paid before the payment schedule can be adjusted.  This, for the most part, covers "late fees" associated with non payment.
As the original complaint stated, the errors occurred by the businesses when the loan was transferred from Sallie Mae to NAVIENT.  There has NEVER been late payments in the history of the loan until this transfer.  I received payment statements from NAVIENT and paid those on time.  They have always had my address, personal information, and phone, yet I received no notificiation of late payments.  The payments they received were directed to different locations on their end.  Since being notified, I have spoken with numerous different representatives who instructed me to do various things with the payment.  This includes changing the account number.  I have completed everything that was requested and still, the accounts are a mess. 
This error was initiated by NAVIENT.  While I would like to repay the loan, I will not pay late fees for something that was not my fault.  Further, I will not pay a large bulk payment in order to start the repayment schedule.  I can not afford to do that.
I would like to start repayment where the account left off after the transfer.  Please look at the records of repayment and notice that everything prior to the transfer from SALLIE MAE to NAVIENT had been payed on time.
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 April 27, 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.

That's all they are doing is throwing promisary notes in my face Will I thought that robot calls were illegal Plus I also thought if the school didn't keep up with there side of the bargain that all contracts were null and void

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 6, 2016.  Please allow sufficient time for postal delivery.

A representative from the Office of Customer
Advocate contacted the customer by telephone on June 11, 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 June 7, 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 on August 09, 2017.  Please allow
sufficient time for delivery.

Better Business...

Bureau:Complaint ID [redacted]I am not in receipt of the June 22, 2016 letter referenced in the response from the business (Navient). Concerns are not resolved. I continue to seek closure. Consider the below correspondence to seek closure:[redacted]In my email addressed to you Mr [redacted] on June 23, 2016 11:56 PM, I have stated: In addition, the wording of your June 22, 2016 letter is concerning. It states "Our records indicate that Navient has not reported your federal loans as delinquent to the consumer reporting agencies. Please note that Navient will not report your loans as delinquent until they are more than 90 days' delinquent at month end." Do explain and modify as appropriate. I have fulfilled all obligations in the management of my loans with Navient, I will need proof if you feel otherwise. Do timely inform me. [To Revdex.com: No direct response from Navient; like reoccurred.]I have not received an answer for the above. In addition, the letter from Navient 07/02/2016 which begins with "request for forbearance of the payments on your student loan(s) listed below has been approved" again contains concerning wording which misleads. Consider the paragraph "If you have other delinquent federal loans serviced by Navient, forbearance will be applied to all eligible federal loans..." I have fulfilled all obligations in the management of my loans with Navient, I will again need proof if you feel otherwise. Do explain and modify as appropriate. Do you anticipate concerning wording which misleads to reoccur? Do timely inform me. The letter from Navient dated 07/01/16 states "Your request to defer payments on your Federal Family Education Loan Program (FFELP) Loan(s) listed below has been approved." However, the letter does not list the loan(s) which is referenced to have been approved. I may assume the list to be the 6 loans which is listed in the above 07/02/16 letter, however, due to this being a financial document I will not assume. Do explain and modify as appropriate. Do timely inform me. The letter from Navient dated 06/29/16 confirmed deferment ends on 06/30/17. Loan Details reflects letter with a Schedule Begin Date of 07/17/2017, however, Account Summary does not reflect letter. As of 07/05/2016 the Account Summary lists the loan to have a Due Date of "07/17/2016". This misleads. Do timely inform me. The Payment Confirmation email from [email protected] dated 06/27/2016 states payment "Scheduled for: 6/27/2016", however, the Navient Account Information email from the same [email protected] dated 06/29/2016 states "Date Posted: 06/28/2016". This misleads. Do timely inform me. [To Revdex.com: This were not the first occurrence.] I have not experienced like concerns with Sallie Mae. I will not have concerning language which does not apply to me in financial documents addressed to me and held as records. There has been repeated occurrences of no response from various Navient representatives. There has been misleading presentation of my loan accounts to me. Do timely inform me. In reference to your email addressed to me on July 2, 2016 5:24 AM, I am Ms. [redacted] Sincerely, [redacted] 
 
[redacted]
[redacted]

Tell us why here...
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 8, 2015.  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 would like the matter to be addressed here and not via mailed letter. I am still waiting for my original request and will file another complaint if this letter is received before the requested information .
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:
This is the second complaint I have filed against this company now. I signed a parents plus loan for my eldest daughter [redacted]. [redacted] was murdered December 21, 2016. I have sent multiple copies of her certified death certificate to Navient. I have a registered return receipt card dated April, 2017 that SHOWS Navient received the documentation. This company continued to harrass me saying I owe this loan, despite the federal government rules that state it will be written off, as rhe loan was for [redacted]'s schooling and she is dead, the victim of homicide. I spoke with someone named [redacted] after I filed my first complaint and he assured me this account would be written off and handled. Now, it has been reported as delinquient on my credit and is causing defamation of my credit, afrer I was assured this would not happen. This company is being predatory, expecting me to pay something I dont legally owe according to federal law guidelines. I want this loan written off as it is supposed to be, the negative deliquents removed from my credit and an apology from this company for their constant harrassment and lies.
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Desired Resolution / Outcome
Desired Resolution:
Other (requires explanation)
select
Desired Outcome:
Write off the balance and remove all defamitory information from the credit bureaus.
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A representative from the Office of Customer Advocate contacted the
customer by telephone on April 17, 2017 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 find that this resolution is satisfactory to me. 
Regards,
I will review the contents of the mailing from Navient. If it answers my questions and includes the paperwork that I requested I will close the case.

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 have still not fixed the credit burea issues, still not reporting accurately, still haven't fixed the website allowing access to my payment information, and the list continues to go on.
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 May 24, 2016.  We will continue to work 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 on January
11, 2018.  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 received a form letter from [redacted] at Navient.  Despite diligently paying my loan as agreed, Navient re-stated their position that I do not meet an arbitrary, general criteria which has absolutely nothing to do with my ability to re-pay my loan as agreed.  Clearly I am not a risk to Navient yet they refuse to grant my co-signer release request.  Diligently paying my loan apparently has little benefit to me so if Navient will not release my co-signer, I am requesting they offer me a new payment plan with lower payments, whatever that plan may be.
Regards,
[redacted]

A representative from the Office of Customer
Advocate contacted the customer by telephone on October 27, 2015 and resolved
the issue with the customer.