City Star Nails

Better Business...

Bureau:
I have reviewed the response made by the business in reference to complaint ID 12402453, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
 
Problem:This is a follow up complaint to Revdex.com# [redacted] against Navient. There was NO conclusion. No explanation given. [redacted]- Office of the customer Advocate - [redacted] Did not give me an explanation to where my payments were applied. The federal & private loans were consolidated meaning one federal loan payment & one loan payment. Payments received by Navient. Why are my loans in default?Translate Desired Resolution / OutcomeDesired Resolution:Modification/discontinuance of an advertised claimselectDesired Outcome:if No one can provide me with a written public explanation Dismissal of Loans

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]

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 response helps me nor my account. I'm told navient and Navient's recovery are two different companies.  I contacted Navient Recivery and I was told that they are the same company and they can't help me I have to deal with who currently has my account  When I contact who currently has my account I'm told they have noting to do with it and to either make payments, pay a payout amount.  When I discuss the amount being incorrect they tell me to contact navient.

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 18, 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 didn't solve anything except send me forms I already filled out initially. As of now everything is exactly the same...no solution.
Regards,
[redacted]

A representative from the Office of Customer
Advocate contacted the customer by telephone on August 12, 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 October 17, 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.

Complaint Type:Billing or Collection IssuesselectProblem:This is not the first Revdex.com complaint I have filed with Navient. I filed a compliant a few months back and was not satisfied with my resolution. The previous complaint was (Complaint ID # [redacted]- Navient.) It pertains to the same problems arising in this new complaint. Clearly there is a lack of Compliance and Regulatory control within Navient. I will preface this complaint explaining I work for a financial institutions collection compliance department and am well versed on collection and regulatory laws!! On 11/2/15 at 7;30 AM central time, I made a online payment to Navient for $583.57 with the confirmation number 49516938C. I received an inbound call from Navient at 8:04 AM where I gave the representative my information and the confirmation of the payment amount as well as the confirmation number. Next I received a missed call from Navient at 10:06 AM. Another missed call from Navient at 10:15 AM. I responded to the missed calls at 11:15 AM by calling Navient and giving the same information I did with the first representative that morning. On 11/3/15 at 8:32 AM I received a call from Navient and explained for the 3rd time the same information pertaining to the online payment. At 9:13 AM I received a missed call from Navient. At 10:30 AM I received another missed call from Navient. At 11:37 AM I called Navient and spoke with another representative and explained the same payment and confirmation information. My co- signers have been getting just as many calls as I have. I stated previously, this is not the first complaint I have filed about the volume of calls! I know the auto dialer cant possibly be set to call that amount of times within a two(2) day period. Also, representatives can clearly see when my account populates on their screen the previous notes of me talking to Navient! Surely Navient is well aware of TCPA laws. The CFPB and my Attorney will be the next people contacted and in communication with Navient if a monetary settlement is not reached. I will have my Attorney subpoena the (call recording history) between me and Navient which is quite lengthy!TranslateDesired Resolution / OutcomeDesired Resolution:Other (requires explanation)selectDesired Outcome:I want a Cease and Desist on all collection communication efforts from Navient. My co-signers request the same! My desired settlement is monetary. If a monetary settlement is not reached a lawsuit will be the next step and communication will than be held by my attorney

A
representative from the Office of Customer Advocate contacted the customer by
telephone on November 6, 2015 and we are working with
the customer directly to resolve the issue.

Revdex.com:This...

issue has not been resolved yet.
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.

A representative
from the Office of Customer Advocate contacted the customer by telephone
on November 10, 2016 and resolved the
issue with the customer.

A representative from the Office of Customer Advocate contacted the
customer by telephone on July 27, 2017 and resolved the issue with the customer.

Revdex.com:
I have reviewed the response made by the...

business in reference to complaint ID[redacted]. Basically they just told me that they were within their rights to call numerous time and that their records show it was during times that they were legally allowed. They also denied calling after a request to not call or an answer was had, which is not true but since I don't have a record of it I assume there is nothing I can do about it. In the future I will be making a record so that I can better defend myself and my co-signer against harassment.
 
Regards,
 
[redacted]

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.

They have refused to try and help with my credit score due to this issue saying that they just report accurate information. They could send a letter to the bureaus stating that they did not ever try to contact me as the co-signer by US mail and send information that the email address or the payments they had received were not from me except for the payoff amount after I realized my credit score dropped and then started the investigation as to what happened. According to the internet Navient does not have a very good record. My credit score was excellent for years and now it dropped 130 points. This is why I cannot let this drop. I understand you can do just so much but I will look into obtaining an attorney if my letters to the credit bureaus that I am now writing get nowhere. I do realize that this is a small thing compared to what many people have to deal with and I am thankful that God has been so good to me but my credit did mean a lot to me.

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 was contacted by a lady by the name of [redacted] from Navient. She told me there is nothing she can do to change the interest rate of the loan. I think that is a complete lie because you can negotiate interest rates with banks, credit card companies, etc. I have also been told by others that they have negotiated the interest rate on their student loans. They sent me the original copies from the loan when Sallie Mae owned it and it does state 13% interest but I believe this company should work with their customers to help them achieve a better life instead of being in debt for forever. [redacted] also told me that I should just go get a different loan to pay it off to be done with them. The only way I would consider is if they dropped the interest and just allowed me to pay off the principal. 
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 November 10, 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.
I never receieved mail and my mailing address is changing! An email or phone is the only form of communication I will have until I move to my new address 9/12/15
Regards,

A representative from the Office of Customer
Advocate contacted the customer by telephone on October 1, 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.
I have attached the response from Navient. They gave me the run around for another few weeks and had me jump through more hoops only to deny my request again. This time, I was told I didn't qualify. In the past I was told I didn't submit the forms. I submit (just last week) my 2015 income tax showing a $30K loss in income due to my husband being unemployed. Yet I don't qualify for an income sensitive loan? I emailed the company asking to have a manager contact me or perhaps I should get a lawyer. What Navient is doing is unacceptable, you cannot reach a manager and they don't seem to want to help as much as they pretend to. I think this company needs to take it's customers seriously. 
Regards,
[redacted]

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. I feel like an antiquated law from 1965, and it's amendments since, are hurting my generation of educated hard-working Americans. Assuming I'll be paying what I can on my 30 year loan, most of which will be interest payments by the time that 30-year term passes, I think I shouldn't have gone to college in this country afterall. I guess my problem is not with Navient, they're doing what is well within their legal rights, I guess. My problem is with our government making it harder for people to pursue the happiness they've come to expect.
Regards,