City Star Nails

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:On 26 December 2017, Navient applied $525.83 to account number: XXXXXXXXXX, loan number 1-01; and $974.17 to account number: XXXXXXXXXX, loan number 1-02. The instructions included with my payment are as follows: "Enclosed is check #1779 in the amount of $1500.00 for payment towards account number: XXXXXXXXXX, loan number: 1-01. This payment is for account number: XXXXXXXXXX, loan number: 1-01 only. Do not apply any of this payment to account number: XXXXXXXXXX, loan number: 1-02. I will report Navient to the Revdex.com if payment is applied to account number: XXXXXXXXXX, loan number: 1-02."Translate Desired Resolution / OutcomeDesired Resolution:Billing AdjustmentselectDesired Outcome:Navient needs to apply the $1500.00 I send them to account number: XXXXXXXXXX, loan number: 1-01.

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.Complaints against Salle Mae and Navient SallieMae and [redacted]Institute of Technology [redacted]
[redacted]
[redacted]
 
[redacted]
[redacted]
[redacted] Banking Industries keep changing theirbusiness name and I do not know why. At that time what happened classes that Itook there I could have taken at the Community college and it would have been20.00 per unit  vs. 600.00 per unit. What happened was that the signaturewas not mine on the loan application from the financial aid office from [redacted]Institute of Technology that forced me took those classes and I had disputedwith them at that time.  But they ignored me, don’t want to stop, listenand look what they had done to me. The loan started at $28,000.00 and now it is$150,000.00. Naveen is the servicer now. The servicer used to be [redacted],Sallie Mae then  now they have changed it to Navient . When you have moreadministrators making $200,000 a year than Instructors, you have somethingwrong. I think it’s illegal for them to raise the interest rates and accrued ona student loan without my awareness. That financial aid office(please see theattached document)  who made those student loans were irresponsible tobegin with – it is also their fault if they are making loans to people believingthey will obtain employment in a given career to pay for it, when there are nojobs available.  You can’t force people to pay for that loan that was notsigned legitimately. Who is going to solve the student debt crisis? "I came to this country and worked hard and followed all the laws and paidmy taxes and did the right thing," she said. "Now I feel it's hard totrust anyone."I’m asking and want Revdex.com tohear my complaints about the companies that service student loans“unknown  signature Student loan forms the  debt stressed, depressedand made me feel like they  are took advantage of me.  Please help.  The schools and banking industry has acted illegally andirresponsibly with the student loans, with the government neglecting andencouraging it. It has to change, and we need to hold those institutionsaccountable. Currently they are not hold accountable – it’s all about shortterm profit, etc., greedy profit making more money. All of our politicians andso called leaders will always tell you that they came from poor beginningsbut....look at where they are today. "Bling"!!! Why do they say that?Think about it? Why would you say that? It’s all about the money & power. Don't get me wrong, capitalism is the best concept and everyoneshould prosper but.....not at the expense of others. Absolutely never! When was the last time you met a person who's goal was not moneybut for the betterment of mankind? I strongly object to a system that is blatantly discriminatoryand unfair to law-abiding Americans living inside our country.  I now feellike second class citizens at best, or criminals at worst.  The messagesgiven here, along with the enormous fines for improper signature, make me feelterrible as a law abiding citizen.So I’m asking you to be able to discharge (cancel) andforgiveness due to improper signature. Also, at that time what happened classesthat I took there, I could have taken at the Community college and it wouldhave been 20.00 per unit  vs. 600.00 per unit. What happened is that the signaturewas not mine on the loan application from the financial aid office from [redacted]Institute of Technology after they forced me took those classes and I haddisputed with them at that time.  But they ignored me, don’t want tostop,  listen  and look what they had done to me now. The loanstarted at $28,000.00 and now it is $150,000.00.  Navient is the servicernow. It used to be [redacted] then Sallie Mae now they changed it to Navient.Please  let’s do those positive things that made us a great nation & improvethe quality of our school and bank system  for our country. Then we willeffect positive change in others for our country. I am asking  a resolution on this matter soon. I neverthought I’d be in this situation at my age.  I’m hoping to raise my familyin a better future with opportunities and fulfilling dreams. But all I havegotten is cheated, grief and struggled.  Please help. Regretfully yours,

A representative from the Office of Customer
Advocate contacted the customer by telephone on February 22, 2016 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 on October
12, 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 September 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 email on September 18, 2017.

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 was treated with utter disrespect while trying to communicate that I was going through a re-finance of my home and would be paying the loan in full. I called several times to provide status, each time I was told make a payment, which I explained I was paying off the loan and they noted in the system that I refused to make a payment. Once the loan came through, rather than the pay off being wired the company sent me a check made out to Navient. I called Navient and explained that and asked where to send it. They gave me a different address than the normal monthly payment address and told me to include a letter saying that I usually send payment to a different address and to overnight it, which I did. In the meantime, I continued receiving numerous calls daily, letters, sent to collections, etc. I called daily to check status because the pay off didn't show up over several weeks. They claimed they didn't receive the check. I had proof of delivery with the persons name who signed, the date and time it was delivered. Navient continued to claim they didn't receive it. I spoke with supervisors each time I called. I asked to be contacted when they finally decided to post the check. I NEVER received a call. I called yet again and was told, oh they received it. I had included a personal check for an overage and they still haven't posted that check. This is an extremely poor urn business. They are making millions off students and bullying people who are trying to take care of debt.Translate   Desired Outcome:I want my credit report corrected. I have asked this to be done in the past and it didn't occur. I want it done this time. I refuse to be treated like this when they deliberately held the check for several weeks. And still haven't posted the personal check I included.

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.

Problem:I have already contacted you about this business's practices. I continue to fill out forms per their instructions and they continue to keep sending them to me all over again, informing me they are done incorrectly. I have filled these out 3 times now and sent them in. I always call Navient and ask how to do them to the very letter and it never suffices. I believe they have no clue what they're doing. Each person I have spoken to tells me a different way to fill out the forms and now more of the same ones came in today's mail. This harassment has got to stop. They are completely mishandling my student loan and it's hanging precariously in the balance as a result. In January, this will go into crisis and it will appear as though I have completely neglected to do what was asked of me when that is untrue.Translate Desired Resolution / OutcomeDesired Resolution:Finish the JobselectDesired Outcome:I don't know what more to do. I need a third party to step in and ask them what the problem is and get this handled before it is in chaos. Please don't close my case before this is resolved. It tried to tell you it wasn't and you closed the case anyway.

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 31, 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 23, 2018.  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 December 14, 2016.  Please allow sufficient time for
postal delivery.

A representative from the Office of Customer Advocate contacted
the customer by telephone on May 31, 2017 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 June 15, 2017.  Please allow sufficient time for postal
delivery.

A
representative from the Office of Customer Advocate contacted the customer by
telephone on August 4, 2015, and we are working 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 12558656, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear belI have submitted and re-submitted to have the loans put into deferment. Instead, Navient keeps changing which forms they want me to fill out and are continuing to make the loans active repayment despite me being in residency. I make a nominal salary as a family medicine resident. I cannot make the payments they are demanding. They notified me that they were now reporting me to the credit bureaus. However, I have been sending them all the different forms they demand. It doesn't matter that I have sent forms to them, they continue to harass me for payments. Navient refuses to even send me the forms for financial difficulty either. Then Navient insults me by saying they would credit my account only $45. Little wonder the federal student loan account holders sued them. I am just asking for the loans to be put into deferment as allowed by Federal Law and to stop adding "late fees" and filing false claims to the credit bureaus. 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 May 4, 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 May 14, 2015.  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 September 23, 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 [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. Navient's response is full of lies, misrepresentations, inconsistencies and nonsense.  My "customer advocate", [redacted], is obviously not a customer advocate in any sense.  She is patently a corporate advocate hired to detail customer complaints in any way possible.  Ms. [redacted] presented in her response creatively edited "transcripts" from my conversations with Navient representatives.  Two conversations stand out for me: Ms. [redacted] says that in January of 2015, I told a Navient rep that I'd never heard of public service loan forgiveness.  How can this be true, when Ms. [redacted] at the same time admits that in 2009 I was asking Navient's parent company, Sallie Mae, about public service loan forgiveness?  Second, Ms. [redacted] egregiously misrepresents my conversations with employee Dennis and supervisor Joyce.  Contrary to make. [redacted] assertions, both Dennis and Joyce were shocked that Navient, knowing I was a public servant, hid from me the need to consolidate to a direct loan to get public service loan forgiveness.  They both were clear and unambiguous about Navient's duty to steer public servants towards direct loans, not away from them.  Navient is being sued from all directions for a reason: they lie and cheat to line their pockets. Worse yet, the U.S. Dept. Of Education permits them to do it without penalty, while student loan debtors, like myself, continue to suffer. Schemer

A
representative from the Office of Customer Advocate contacted the customer by
telephone on June 25, 2015, and we are working with the customer directly to
resolve the issue.