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 January 19, 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 15, 2016.  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.
They have NEVER resolved this complaint.  They have no accountability in their payment system, and the payment amounts change almost daily.  This is not feasible as the consumer to allow me to budget properly, or even to trust when I schedule a payment IN FULL that it will post IN FULL.  When I pay MORE then the MINIMUM DUE, how then pray-tell can I be LATE on a payment?  No, this company has not given a satisfactory response, they have not re-credited my account the falsely charged interest/fees, and they have not resolved this payment issue.  I have no idea what to expect from one month to the next as far as payment amount because they have some convoluted system and the WORST customer service in the history of student loan companies.  They even had the audacity to email me that their customer service rep answered my questions when she DID NOT EVEN HELP ME.  She blew me off and said "well, we don't report until you're 90 days late so what are you upset about?"  What am I upset about????  I paid $60 MORE THAN WAS DUE, and yet they called my payment late because they changed the amount after the fact and DID NOT NOTIFY ME.  What is going on with Navient??????
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
 
December 23, 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 November 3, 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.
    Problem:We have been trying to reach [redacted] or someone else at Navient and cannot get a real person on the phone. We have been trying to pay this debt since April of 2015 but have not been able to get through to them to make the payment in full. Any interest would have been fairly paid in the Bankruptcy, but they refuse to submit the proper paperwork to the court for correct payment, knowing that they can EXTORT more money from honest citizens by fraudulently misfiling paperwork with the court systems. They have stalled running up the interest unfairly, and are worse than the mafia. Instead of the $1,549.46 that we have been trying to pay them since April, they are saying that we now owe over $1,600.00. They have refused to deal with us honestly and have used the legal system to EXTORT money at an unfair interest rate, and refuse to take payment in full in order to EXTORT more money from us! They refuse to talk to us about any hardship program that they might have, or to even let us pay them.TranslateDesired Resolution / Outcome  Desired Outcome:WE want to pay a fair amount or to have the interest that they are EXTORTING from us dropped since we have paid the full amount of the loan. Any interest would have been fairly paid in the Bankruptcy, but they refuse to submit the proper paperwork to the court for correct payment, knowing that they can EXTORT more money from honest citizens by fraudulently misfiling paperwork with the court systems. We are willing to pay the amount of $1,549.46.00 that they fraudulently claim that we owed them in April of 2015 and close out the account in full and drop this from our credit reports.

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 10, 2015.  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 have received a letter from Navient representative [redacted] with explanations of the rules of the student loan. I understand the rules and I don't need to be reminded about it. Ms [redacted] stated in the letter that the student loanis now in a student deferment and repayment is postponed until December 20, 2016. I was able to check the loan status and it does say that payment starts on December 20, 2016. I am afraid that next month I will be going throughthe same issue, dates will change and phone calls and emails will start again. We've provided information needed, my daughter paid a fee to school to have a letter stating that she is full time student. That letter was mailed to Navientand the phone call was made to Navient to make sure that they have information. This is an ongoing event between Navient and me. I placed a call to Ms. [redacted] and waiting for a call back, just to make sure that the situation doesn't repeat itself again. For that reason, I still need more time.
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 email on January 3, 2018.

A representative from the Office of Customer Advocate contacted the
customer by telephone on August 17, 2017 and resolved the issue with the customer.

A representative from the Office of Customer Advocate contacted the
customer by telephone on June 2, 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], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I appreciate that the advocate was quick to respond however he stopped contact after to calls with me. Although we have conflicting work schedules which makes it hard for us to communicate I called and left a message last week, Wednesday April 25th for the advocate to discuss the issues I have been having with Navient. I asked that he would return my call Friday May 1st because I was off of work and we could talk about the issue anytime of the day and I didn't hear anything back from him. I called Tuesday May 5th again to leave a message as well because I gave him until Monday May 4th and still did not have a message in return. In the letter I had received in the mail it stated that they would like documented events of when the issues have been taking place however I would think this would be on my account if they would look at it and see it. They claimed that they have not sent anything negative to the credit agency in the last 12 months but that is due to the fact that I am constantly calling to attempt to fix the same issues more times than I should have to with them just to make sure that nothing does go to the credit agency, so of course that has not happened. I am currently "babysitting" my loans that are with Navient to make sure that nothing negative reflects in my credit score and I should not have to do that. The issue is maintenance of my account which no one seems to be capable of at this point.
Regards,

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 was contacted by a representative named [redacted] on 8/4/15 in reference to my eight federal loans. He stated that he sent an email to the credit reporting department and they advised him that the initial reporting of being 90 days late in October 2014 was accurate. I explained to him that I did not receive any notice regarding this and how could I be 90 days late when my credit report clearly shows my accounts current prior to October? He stated that Navient does not report 30 and 60 day late payments and after reviewing my demographic information, my home address, telephone number, and email; were ALL incorrect. He had to update my information over the phone. I explained to him that the late payment should be removed from my record because I was never notified that my accounts were past due.I also spoke to another representative named [redacted] regarding my two private loans. I stated to him that I am paying their collection agency FAMS $200.00/month and I do not understand why my account shows that I have 19 missed payments. He confirmed that I was on a payment plan and he doesn’t know why Navient’s records still shows that I missed 19 payments. He stated that I was not the only customer to complain about this however there was nothing that he could do. My account will continue to show that I’m not paying even though I am.I am not satisfied that my credit report will continue to have this blemish for my federal loan when it is clear that they didn’t even have the correct contact information for me. I am also not happy that my private loan account says that I am past due when I’m on a payment plan. This is the most upsetting and frustrating process and I am going to look into other avenues to correct the situation since Navient refuses to correct this error.

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
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 18, 2016.  Please allow sufficient time for
postal delivery.

A representative
from the Office of Customer Advocate contacted the customer by telephone
on March 10, 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 26, 2017.  Please allow sufficient time for postal
delivery. We will continue to work...

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 July 2, 2015.  Please allow sufficient time for postal
delivery.

A representative from the Office of Customer
Advocate contacted the customer by telephone on June 29, 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 July 6, 2017.  Please allow sufficient time for postal
delivery.