City Star Nails

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.

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'm not satisfied with the response as it doesn't solve the problem. They continue not to provide reasons why after years of payments my loan amount is not going down. Do I need to take this to a higher level?Regards,

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 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]

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]

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.My complaint has not been resolved , but put on hold. The representative from NAVIENT contacted me and said that she absolutely cannot help me but offer the same rate of $140 to pay per month -- irrespective of my current health or employment status. I am attaching my md note to this email. There is a new detail to the case, as NAVIENt reported my case to a higher standing agency, despite my faithful payments of $50 each month. Now my credit score went down from 700 to 600. I am absolutely shocked by this, and request for this craziness to stop. Please help!

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 January 7, 2016.

A representative from the Office of Customer Advocate contacted the
customer by telephone on April 17, 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 April 5, 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 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 August 23, 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 September 12, 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 still have not received the information I requested; which was supposed to have been sent out last Wednesday, August 5th, which was to include disclosure of loan term changes made, copy of original loan application, copy of ALL payments that we have paid as well as when payments were started.

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,

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 letter sent to me mentions I was entered into a "Rate Reduction Program" on November 22, 2015 which brought my payments to $24.11 each month. They claim that the reason my payments have gone up is due to the fact that I'm no longer in this program, and that customers using in-school deferment are not allowed in this program. Yet, I've been a student since Spring 2013, all the while only paying $24.11 in interest each month. Why am I only being told now that as a student I can't be in this program? Also, I don't understand why I only received this information after reporting them when they could have just simply answered my questions when they had me on the phone.
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 3, 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.

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 on January 10, 2018.  Please allow sufficient time for 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 June 7, 2017.  Please allow sufficient time for postal
delivery.

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