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 May 4, 2016. We will continue to work directly with the customer.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this...

resolution is satisfactory to me. They have corrected credit report according to agent to reflect no negatives, no late payments.  I am truly happy and satisfied with that reporting.  Thank you for all your assistance.
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 February 9, 2018.  Please allow sufficient time for
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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 received a voicemail from someone, I returned their call with 2 messages on 2 separate days and haven't gotten a call as of yet.

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.

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 20, 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 find that this resolution is satisfactory to me. 
Regards,
[redacted]

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

made by the business in reference to complaint ID 12582929, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Navient did a tremendous job in removing the 2 "90 day lates" from my account.  However, I noticed that I had two (2) more lates on Feb. 2015, for the same issue (not knowing about IBR and being told my loans were in forbearance.  Can these last 2 lates be removed from all credit bureaus?  Thanks so much! 
Regards,
[redacted]

Revdex.com:
I have reviewed...

the response made by the business in reference to complaint ID 12422491, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Problem:I have been engaged in a seemingly endless cycle of duress and inability for Navient and Previously Sallie Mae, to provide adequate products and services to meet my financial circumstances. Most recently (About six months ago), I was connected with a team member from "The Office of The Customer Advocate" at Navient. After many years of engaging with customer service reps who were incapable and not sensitive to such a large personal issue, I was transitioned over to a group who could match my acumen for such conversations. I had approached Navient many times over the years as they require north of 45% of my net-after tax earnings to repay high interest student loans. After months of exhaustive and emotionally difficult conversations around how much I earn, how much I spend both in fixed costs and discretionary items. Navient engaged in a soft pull of my credit bureau without my consent (not that I mind as I do not have anything to hide and have been quite transparent with anything they have asked) and determined through whatever process they operate on that I am not qualified for any programs or services. After some years of mitigating my interest rates, they stated their effort is to get me gradually to a doubled interest rate than I am currently paying. I explained that if what I am doing now is difficult, working me in the opposite direction is exactly what I cannot have happen. The conduct standards (while I dont believe they are illegal, I believe are morally pointed in the wrong direction) and the slight of hand they operate with is quite galling. In working with the Office of The Customer Advocate, I learned they operate no different than the normal channels, they just do it in a more kind 1:1 way, but are completely hamstrung by the organization as a whole. When I asked for a copy of my recorded call, they explained it was "proprietary" and declined. They are seemingly very unwilling or unable to provide me payment arrangements that work. They also engage in practices that raise interest rates on a six month basis versus the previous year, which compounds the existing issues that I am fighting. In explaining that ones earnings cannot keep stepping with their increase, is met with comments like "well we were not obligated to help you in any way, keep that in mind...." In likening this to indentured servitude. They realize I cant simply take my business elsewhere and am sort of forced to deal with them, but I am actually worse off to some degree than before I got involved with the Rep at the OCA. Navient has also slow walked a request that was made for a historical accounting of where the funds I have paid actually go, which I think would paint a telling story of repeated abuse. This causes repeat, emotional strife and duress as I feel this organization is actively out to break my financial back. Sadly, there are no suitability requirements to dissuade them to be so aggressive with their repayment options. Their is seemingly a lifestyle that they want me to lead, or some kind of unknown expectation they are unable to articulate. This keeps me from putting needed resources into my home, saving for retirement (or saving any money at all since they deduct what discretionary income you have after expenses and grab it up). Just seemingly far too aggressive for non-collateralize debt (lets also think about what happened with the housing bubble???). I was also instructed that I am paying "too much on credit card payments" (hard to put tires on your car, when you do not have the liquidity to do it and if you put the tires on a credit card, it is hard to tackle debt when you're not allowed to pay it off in a timely manner).TranslateDesired Resolution / OutcomeDesired Resolution:Contact by the businessselectDesired Outcome:All I have asked for is for Navient to quit constantly moving the goal post, as this makes planning for my year hard. It is hard to say when things will change, and to the degree in which they will change. I am not a millionaire, and have made every good faith effort to do as they have asked, but I think it has created an expectation as I always rise to the occasion. Having been told in person and in writing that Navient has no "obligation to do what is in my best interest" is calls for a review of their practices and their fleecing of a hardworking thirty year old person like myself (and I can image that others are in my position too and just get steamrolled by the big business). More transparency, more appropriate repayment options, less predatory style maneuvers, more compassion for the way the current environment dictates. I feel they are operating in exactly the same manner as things were done pre 2008. I would like them investigated on a state and national level, as I am also reaching out to the states attorney office.Translate

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
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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 July 29, 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 find that this resolution is satisfactory to me. 
Regards,
[redacted]

Thank you for
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the Office of the Customer Advocate responded directly to the  customer via US
Postal Service on January 18, 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 July 19, 2017.  Please allow sufficient time for postal
delivery.  We will continue to work with the customer 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 January 25, 2017.  Please allow sufficient time for
postal delivery.

A representative from the Office of Customer
Advocate contacted the customer by telephone on September 17, 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 find that this...

resolution is satisfactory to me.  Navient's representative was helpful in resolving my complaint in a timely fashion.
Regards,

A
representative from the Office of Customer Advocate contacted the customer by
telephone on August 29, 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 April 6, 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
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