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. This issue was not resolved because they are referencing something that happened back in November. My issue with them is them giving me the wrong course of action to take and I followed it and they intern still went forward and reported me to the credit bureau for being 90 days late, when they told me to make a payment by a certain date and a certain amount which is what I did and they stated that in doing so it would not be reported 90 days late.  what it comes down to, is had they given me the correct information in March, the correct amount to pay, I would've paid that amount, and this would've never happened. But I followed the direction of their customer representative, who clearly gave me the wrong information and put me in this situation. So this issue was not resolved.
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.
Navient responded to my complaint stating that they would not reimburse me the finds since I agreed to their terms and conditions about the automatic payment plan. However, since I set up the payment plan and agreed over the phone, I was not allowed to see anything in writing stating that Navient would be deducting twice per month from my bank account. Which brings me back to my original point. The entire time I was on a payment plan with Navient they would only deduct ONE payment from my account for BOTH loans. Yet when the new payment plan was made they then started deducting TWICE for EACH loan. Therefore I do not accept Navients response.
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 am sick and tired of this corrupt company hiding behind the laws they lobbied to have passed to protect themselves instead of the students.  They are predatory lenders and I will not stop file complaints against them via CFPB, Revdex.com, and my senators and representatives.  First, there is absolutely no reason they cannot share their responses with the Revdex.com.  What are they hiding?  Nothing.  Generic responses to every complaint that do not contain any identifying information.  Their excuse to protect my privacy is garbage.  They don't care about it.  They claim in there letter, "We are here to help you in anyway we can".  Yet, they have offered absolutely no help unless it allows for them to continue to make more and more money while raising interest rates and the terms of the loans.  They are a predatory lender.  They pray on students and confuse them when they sign up for student loans promising flexibility and affordable payment options.  There is nothing affordable about an 10.75% interest student loan.  That is robbery! They always make a point to mention that I signed the promissory note and are liable for the principal and interest of the loan.  I never imagined in my wildest dreams the interest rate would come close to 10%.  They are also very specific to point out that, "Private loans are not eligible for the same options that are available for federal loans and therefore cannot be serviced as federal loans".  Seems to me they can, they just choose not to because they can just continue to raise interest rates and extend the term of the loan.  Seems to me they could VERY EASILY adjust the loans to make the the things they promised when us young naive students signed them and is make them affordable with options.  I know a way they can help me, they can make the loans just like federal ones.  Seems like the only thing stopping you to provide such advantages is yourselves.   You are a corrupt and greedy organization.  NO ONE SHOULD EVER TAKE OUT A LOAN WITH SALLIE MAE OR NAVIENT.  NO ONE.  I STEER EVERYONE I KNOW AWAY FROM YOUR COMPANY BUT ALSO PRIVATE STUDENT LOANS.  IT DISGUSTS me your company has been able to get away with such lending practices. I will continue to fight ensure that private student loans are highly regulated and brought in terms with federal loans.  It disgusts me you find such interest rates acceptable.  I won't stop fighting until my interest rates are dropped.  THAT is how you can help me so I can pay these loans off faster and be done having to do business with you.  If you want to help, then that is exactly what you will do!   
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 13, 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 reject the businesses responds becuase the information provided in the documents is incorect and has been forged by somebody other then me,
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.Will they send to correct address. I want full removal of all negative remarks Nd late payments. You sent all my stuff to the wrong address I have been a Florida resident 2015 I was able to do detective work and found the address you have been providing was [redacted] That entire time you have negative reporting and I never received a bill. You immediately need to fully remove everything.

A representative from the Office of Customer
Advocate contacted the customer by telephone on May 15, 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 February 12, 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 January 4, 2017.  Please allow sufficient time for
postal delivery.

A representative from the Office of Customer
Advocate contacted the customer by telephone on October 26, 2015 and resolved
the issue with the customer.

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 anything from Navient to settle this. I have received 2 statements and a phone call saying that the loan is still 2 payments behind.I will not close this complaint until someone can straighten it out again.

A
representative from the Office of Customer Advocate contacted the customer by
telephone on April 12, 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 December 19, 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 September 15, 2016.  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.
Navient states they have sent a response to via mail.  I have not received a response via mail.  Navient has not responded factually many times therefore I do not expect them to do so now.
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.
Their office mailed a packet that had mostly blank papers in it, statements that were not ever disputed or an issue for us, and did not answer the problem at all.  They clearly aimed to sidestep the problem, not take the complaint seriously, and add insult to the environment by wasting paper and sending mostly blank papers.  This is an example of the outrage that I think most of the country has started to catch on to and recognize the student loan industry to be.  
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 7, 2018.  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.
No letter received. 
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 21, 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 received a bill for $80 and a letter saying I owe $0 on the same day.  A few days later I received a bill saying I owe $0 and another bill saying I owe $80.  Then today I received a letter changing my payment terms saying I owe $0 for 12 months, a letter saying you could not grant my request because both joint borrowers must sign the student loan debt burden forbearance form and submit proof of income, another letter saying I must submit a form to change my name, a fourth letter explaining what a forbearance request is and an application to apply for one and a fifth letter explaining what my repayments options are and showing that my current plan is income-driven. Basically I still have no idea if I owe $80 a month or $0 a month because every time I receive a letter or bill that says $0 I also receive a bill that says $80.  I did not fill out a request for forbearance and don't appreciate receiving a letter saying that we both did not sign our paperwork.  The income driven paperwork was signed by both of us each time that it was submitted this year.  No idea why I received a letter about changing our name, no one's name was ever requested to be changed.  I still have not received anything explaining why my paperwork was not processed in April, May, June, July or August until I called twice.  No idea why I still owed money even after I was told by a supervisor that I owed $0 in August.  No idea why I received 10 separate letters or bills in the last week all telling me something different; I owe $80, I owe $0, you need my signature, you want to change my name.  I need a personal letter from someone at Navient explaining why my paperwork was not processed, how this problem is being fixed and what is happening now with my account.  I still have no confidence in Navient and think that maybe someone should look at my account, listen to the recorded phone calls, read through all the mail you keep sending me and figure out what the heck is going on.  Once again I request that you stop calling me at your convenience because I do work from 8:00 am - 5:00 pm and have no desire to take time away from my job or my lunch hour to speak to one of your representatives.  I have spent a total of 3 hours this year talking and no one is listening.  I want something in writing that I can refer to when I get billed again two months from now because someone at Navient has screwed my account up again.  
Regards,