City Star Nails

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 business only states they have responded via USPS. I have not received this response as of today 1/10/17 therefore I do not have and offer to accept. I do not know what the response states and cannot accept a response without knowing the contents. They have my phone number an could have responded by phone but choose not to do so. Until I receive the response and read the contents I cannot and will not accept a response of simply mailing a letter.

A
representative from the Office of Customer Advocate contacted the customer by
telephone on January 28, 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 February 14, 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.  I have not received any correspondence via US mail.

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 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 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 September 8, 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 June 22, 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.
No one called me on and resolved anything with me September 14 2016.  
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 October 20, 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 March 21, 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 February 14, 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 June 16, 2017.  Please allow sufficient time for postal
delivery. We will continue to work with...

the customer directly to resolve the issue.

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 letter for Navient which stated that they were unwilling to work something out with me. Navient wants the full payment  amount of $144.00 a month until the loan is paid in full. I am unable of afford this amount at this time. I do not want this to go into default that's why I am asking for you assistants in the matter. 
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.
  I want a response posted here. 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 10, 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 10587022, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I was contacted by the business but, very to no efforts were made in resolving.  There was additional steps that could have been made to better understand or look into the issue.   
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.I got a letter stating that they have been applying my payments accordingly. I am looking at my account right now at this moment. It looks like they applied wrong the first time and then when I called they did it accordingly. But changed it back. My balance was $6,698.96, then it went to $5,984.05 (when I called to make the adjustment) and now its back to $6,186.35.  I left a message last week for the person who sent me the letter and he has not called me back. 
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:I called to reapply for the Rate Reduction Program today at the phone number [redacted]. I first spoke with a woman named [redacted], who transferred me to her supervisor, [redacted], who eventually transferred me to a man named Josh. Between these three people, I was not able to reach a monthly payment amount that I can afford. Last year when I went through this process, the person I spoke to wanted to raise my interest rate from 1% to 3% despite my cosigner and me struggling to make ends meet at the 1% interest rate. This person suggested I find ways to cut back on monthly expenses such as on food. I asked him if it is a company policy of Navient’s to suggest its customers go hungry in order to pay back their debt. He said no. We eventually negotiated to a 2% interest rate which was still above what my cosigner and I could afford on a monthly basis. In the past year, to make ends meet, I did actually have to skip meals to make this monthly payment. In the last twelve months I have lost 20 pounds due to lack of food. For my age and height, I am now considered underweight. This year, Josh made a number of offensive and absurd suggestions to get me to pay the new amount: -He suggested I look for a second job. I currently work more than 50 hours a week just to maintain the job I have now. In this economy, it is not unusual for employees to work well beyond the typical 40 hour work week to keep their job. If I were to get a second job it would be for the one day a week I have off and would replace the time I currently use to cook all of my own meals for the week. The amount I would have to spend on food to eat out each meal would be more than the additional income from a second job. -He suggested I try to refinance this debt with another company. No company in the world would take on this amount of debt with my current circumstances. If I cannot afford the payment to Navient, why would another company take on the debt? -He suggested I apply for government assistance. The idea that Josh would suggest this moments after I give my financial information is ridiculous. I am not eligible for government assistance because I make too much money. -He suggested I call my landlord and request that my rent is reduced. I live in New York City. I would be evicted in an instant if I do not make my rent payment in full. If I have to choose between being evicted and living on the streets and eventually losing my job because of it or defaulting on my student loans, I think the choice is clear. I did not mention to Josh that prior to getting approved for the apartment I am in now, I was actually homeless for 6 months. I spent over a thousand dollars applying to apartment after apartment. I was declined for all because of my student loan debt. Are these company policies of Navient? To ask their customers to work seven days a week? To ask their customers to take from the government to pay for their loans? To ask their customers to risk being evicted? I am, for all intents and purposes, an indentured servant to Navient. I will remain an indentured servant for the next 25+ years. I do not go out anymore, I do not socialize, I do not buy clothes, I do not go on vacation; I do not do anything. I live to pay off these loans. I work, I come home, I sit alone, I go to bed, and I get up and do it again. I am also in more debt than I was last year. To make ends meet I had to lean on credit cards to get by. Along with this additional debt is an additional monthly payment that I cannot afford. My Federal Student Loans, which totaled roughly $100,000 when I graduated from college, have increased to roughly $112,000 today. The reason for this is my monthly payment to Navient is so high that I cannot even pay the minimum monthly payment to my Federal Loans to break even each month on the interest that accrues. Each month as I slowly pay down my Navient Debt, my other debts slowly increase at about the same rate. Despite these circumstances, today when I reapplied for the Rate Reduction Program, I was told that my interest rate and payment amount would have to increase again anyway. My cosigner and I reiterated our financial circumstances and the fact that we are not making ends meet at our current interest rate, but the Navient employees we spoke to just repeated the same statement over and over like a broken record. The two options I was left with at the end of the call were to accept a 2.5% interest rate for the next twelve months (which would increase my monthly payment) or to accept a 2.5% interest rate for the next twelve months and have the length of my loan extended by a few years (which would keep my payment the same as it is today). Neither of these options are a sustainable solution for the predicament I am in. I cannot afford my current payment as it stands today, so neither of these options are realistic. I also cannot extend my payment out by a number of years to get by for the next 12 months knowing that next year Navient will raise my interest rate again and I will again not be able to afford the payment. I am on the verge of defaulting because I cannot afford my payment. I do not see any point in extending the terms of my loan just so that I don’t default for another couple years. This is not a sustainable solution!TranslateDesired Resolution / OutcomeDesired Resolution:Billing AdjustmentselectDesired Outcome:I want to make it clear that I have every intention of paying my debt in full, but I cannot make the payment that was offered to me today. The stress of going through this process every year is placing such a heavy psychological burden on me that I am getting ill. I need a permanent and sustainable payment that I can afford. I propose a payment of $750 a month for the remainder of my loan term. This issue needs to be resolved by the end of May when my payment will increase to the full amount. Please expedite this process.Translate

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 do not accept Navient's letter it does not indicate their failure to recognize these loans as funds that were never used for my education. I am currently paying back for two loans I never even touched to save my own credit score how fair is that? I desire for immediate cease of payments and refunded my payments for injustly being accused by Navient of graduating school when I withdrew in May of 2009. However, if  being refunded is not possible I desire an immediate termination of service with Navient as soon as possible. Thank you
Regards,