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 US Postal Service on August 27, 2015.  Please allow sufficient time for postal delivery.

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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 17, 2016.  Please allow sufficient time for
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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 January 25, 2017.  Please allow sufficient time for
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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 one email from the customer advocate at Navient asking me to call them.  I called them three (3) times and left messages, and did not hear back.  I also answered the email, and did not hear back.  On Saturday, 3/25/17 at ~ 8:30am, I was woken up by yet another call from Navient which has nothing to do with me.  Can no one make them stop??  This is unacceptable that they do not respect my wishes to not be contacted by them.  It is an intrusion into my life which I do not deserve, and it affects the quality of my life by not allowing me to sleep without their unwelcomed interruption.  They should be punished and I should be awarded compensation for their continued harrassment over the past 6+ years!
Regards,
[redacted]

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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 January 31, 2017.  Please allow sufficient time for
postal delivery.

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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 on May
15, 2017.  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 November 9, 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 January 28, 2016.  Please allow sufficient time for
postal delivery.

A representative from the Office of Customer
Advocate contacted the customer by telephone on September 9, 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.Navient did not provide any available options other than paying an amount they know I cannot afford. They ignore the fact that my financial status is poverty at this time and continue to call me with negativity as if it is my choice not to pay the loan. They do not take into account that when I was in a better financial situation I was paying every single month through auto debit. Yet, they speak to me on the phone like I am a criminal and say things like and I quote, "I do not understand how you are not paying, you just don't want to pay anything, the loan is not going to go away just because you do not pay,  and that it would be better to not pay rent, car or other bills than to have my loan go into default". These points are nonsense, no one thinks a loan or debt is going to go away when they are in poverty, and just decide they will not pay something but the money is sitting in their pockets.  They evaluated my monthly income along with all the other bills I struggle to pay, and sometimes can't and admitted that I do not make enough to handle everything. The low payment they offered would be great if it was more acceptable considering how much I bring in each month. Since forbearance has run out well they throw their hands up. They stated in their letter that their terms were listed when the loan was signed, as if the student had a choice when they were trying to graduate. Every student thinks they will be making enough money once they are in the real world, but economy and other issues sometimes get in the way.  In short, they basically said call if I want to enroll in a repayment plan that will not fit my budget. Also they will continue to call more than once a day. I advised prior to my complaint that I am trying to find an opportunity that will change my finances and I would be willing to pay at that time. At no time did I state I refuse to pay. Nothing has been resolved and I fear everytime I pick up the phone that I will be disrespected and no one will try to find an option that reflects my actual disposable income. I am waiting for a real response, no tricks, no insults, and trying to work with me to find a solution until I can pay more. If I cannot delay payments fine, at least provide a payment option lower than $192.79 and I can try to see if there is anything else I can do. 
Regards,
[redacted]

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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 June 30, 2016.  Please allow sufficient time for postal delivery.

A representative from the Office of Customer Advocate contacted the
customer by telephone on October 2, 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 December 13, 2017.  Please allow sufficient time for postal
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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 1, 2017.  Please allow sufficient time for postal
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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 reviewed your response with regards to my complaint for the ID number listed in the subject line of this email.  I am concerned that you have prematurely closed this case considering the fact that my response to your agency gave detail that I have not been given a position by this organization, nor have I spoken to anyone regarding my complaint. I believe that in my last contact with your agency, I outlined that there have been numerous phone calls between the myself and the representative for this company with no actual conversation but messages to return phone calls. We have not spoken regarding this matter and I still await a phone call from the representative as I made the last attempt to contact them. I was hoping that the Revdex.com would be able to help me to achieve an answer or better yet a resolution to this matter. If it is imperative that this case be closed, I feel it would be severely misrepresented by your agency to publish that the complaint was "answered" since I have yet to speak with anyone from Navient about my complaint. Please take these matters in consideration before you close the case.  Thank you,

A
representative from the Office of Customer Advocate contacted the customer by
telephone on March 3, 2016 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 October 25, 2016.  Please allow sufficient time for
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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 September 26, 2017.  Please allow sufficient time for postal
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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 6, 2015.  Please allow sufficient time for postal
delivery.

A representative from the Office of Customer
Advocate contacted the customer by telephone on April 5, 2016 and
resolved the issue with the customer.