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 November 28, 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.
 Navient is now calling my mother's number. They should not be calling my mother, my number is listed as a contact number not my mother's number . My mother is 85 years old and they are harassing her. They called her  on a Sunday they are using a different number  when they call my mother.
Regards,

A representative
from the Office of Customer Advocate contacted the customer by telephone
on August 10, 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 via US
Postal Service on November 15, 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
 
January 13, 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 20, 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 December 2, 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 August 12, 2016.  We will continue to work with the customer 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.
I have not received a reply from the business via US mail. I will respond at that time. Please keep this complaint open. 
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 October 3, 2017.  Please allow sufficient time for postal
delivery. We will continue to work with the customer directly to resolve the issue.

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 have reached out to Navient 6+ times this month in an attempt to lower my payment amount. I am unemployed and have zero income to cover the payment. I have left several voicemails for the Ahmbudsman but haven't received any communication back. They claim to have sent me a financial worksheet but I have not received anything and it has no bearing on a zero income. is not an issue of mis-managing my money - I have zero income to manage and am attempting to have them lower the payment amount so I can at least give them some money.Translate    Desired Outcome:It is my hope that someone from Navient will lower the payment amount to a reasonable amount (200) so that I am able to meet my payment obligation until I am employed again.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is as satisfactory as I will get from them and I will be refinancing through another company. 
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.
Dear Sir or Madam,Per my discussion with your customer service unit I am providing my credit report that reflects the negative reporting.  Based on my complaints I am providing the detail of what needs to be corrected.  1.        I acknowledge that you have an account that you stated originated in 2003.  I have and am disputing the account.  I did not attend University of Phoenix and they were distributed monies however they were not entitled to any payment because I did not attend their courses.  I attended an orientation, signed up for school; however the school was not accredited for the course structure I wanted t take.  Once University of Phoenix disclosed the lack of accreditation, I opted to attend Central New Mexico University where I completed my CIS associate’s degree. Any payment they would have received is incorrect and fraudulent and I formally dispute this account. 2.       Sallie Mae is the original loan that I signed the Promissory notes for.  The accounts were assumed by Navient and Department of Education however the Sallie Mae accounts were not correctly updated to reflect that the accounts were assumed by Navient and Department of Education.  The Sallie Mae account is appearing on my credit report as Closed with No Status.  Either the accounts for Sallie Mae be removed to reflect only the Navient and Department of Education OR the Sallie Mae accounts be updated to reflect the accounts were transferred to Navient and no balance is owed.  Currently, all three accounts are being reported for Sallie Mae, Navient and Department of Education which is increasing the amount of owed Installment Loans.  The amounts are being duplicated to appear that I owe more on the Installment Loans than what is owed and this reporting makes my Installment Loans to be too high, thus causing the lender to deny my request for a mortgage loan because it shows I have a high balance owed for the Installment Loans.  I would like this updated immediately to remove or update as I have requested. 3.       I initially provided that I was in a forbearance status.  My initial credit report reflected that I was Late and the account was past due more than 180 days.  Since my dispute the status has been updated to reflect I am current however the comments have not been updated to reflect that I was not delinquent more than 180 days.  I re-request that the negative comments be removed since these comments are impacting my ability to obtain a mortgage since the lender believes I had past delinquency although Navient has acknowledged I am and have been in good standing.  I am state that I made this request on June 22, 2015 and re-request that this update be provided by July 22, 2015 which is the timeline in which was indicated that the fix be provided.4.       I ask Navient/Sallie Mae/Dept of Education, for the following relief:a.       Items be updated as follows:                                    ...⇄ I.      That the comments on my account be updated to reflect accurately: my credit in current and good standing.  Currently, the failure to update my ongoing forbearance information correctly has resulted in gap or period of time to reflect the account be in a delinquent status when in fact it was either in deferment, hardship deferment or in-school deferment status. I maintain I have timely filed the appropriate documentation to support the request for the hold on the account so that the account would not fall into a delinquent status or be reported as such.b.      The information as it relates to my forbearance status be updated among all of the accounts that I hold with Navient, Sallie  Mae and Dept of Education.  The lack of updating all comments and sharing the communication within the system used to look up my information is inadequate and I have continued to receive excessive calls and letters due to the inability to update their systems correctly. c.       The information as it relates to my hardship deferment status be updated when applicable, among all of the accounts that I hold with Navient, Sallie  Mae and Dept of Education.  The lack of updating all comments and sharing the communication within the system used to look up my information is inadequate and I have continued to receive excessive calls and letters due to the inability to update their systems correctly. d.      The information as it relates to my in school deferment status be updated when applicable, among all of the accounts that I hold with Navient, Sallie  Mae and Dept of Education.  The lack of updating all comments and sharing the communication within the system used to look up my information is inadequate and I have continued to receive excessive calls and letters due to the inability to update their systems correctly. e.      All notes as they pertain to  phone call note updates and correspondence to and from me be copied so that the all areas that look up my loan information is able to clearly see the same information.  I currently receive 5-10 letters per week and receive up to 2-10 calls per day seven days a week by either a collection person or an automated call on the accounts.  The automated system calls come as early as 8:00 am to 8:00 pm Monday through Sunday. To date, I continue to receive repeated inquiries on my account from your representatives that are not viewing the same notes or information.    f.        I would like the accounts under Navient be consolidated to show one invoice with break out of original debt and interest.  Currently, I received 15 invoices monthly. g.       I would like the accounts under Department of Education be consolidated to show one invoice with break out of original debt and interest.  Currently, I received 15 invoices monthly. h.      All calls to my parent, [redacted] and [redacted] cease.  They are averaging 5 calls per week inquiring about my loans, whereabouts and current information as it relates to address, work address etc. i.         All calls to my sister, [redacted] cease.  She is currently receiving 5-10 calls per week inquiring about my loans, whereabouts and current information as it relates to address, work address etc. j.        I would like to an explanation as to who Student Assistance Corporation is, since I have recently begun to receive mail and calls from this company.  The address is [redacted]  [redacted] [redacted].  They are referencing account [redacted] which is an account listed for Navient. k.       If Student Assistance Corporation is part of Navient it also follow all the same protocol listed above for the other accounts. l.         I would like the information on my credit report updated immediately or no later than 7/22/15 to be within the 30 day timeline originated on 6/22/15.   m.    I would like the comments updated on my credit report to remove the negative notations and reflect a current and open and in good standing status. In closing, I will continue to keep the New Mexico Attorney’s office and Revdex.com informed on the progress on the complaints I have filed in good faith that we can resolve the issues I brought forth.Should you have any questions regarding my account, please contact me via emai: [redacted]  This is my preferred method of communication; however if you are required to mail the information, please use the [redacted] 87108. [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.
The account is already inaccessible.  Cannot login, I input my account number and/or SSN and birthday and get: "We're sorry – our records don't match the information you provided. Please try again." No attempt made to resolve the issue, only giving us a hard time about the person the loan is actually registered to verses people authorized on the account. Continued excuses to avoid actually having to fix the problem. Requesting multiple people be present for phone calls to unlock the account, we did as they asked and were able to access the account for 1 DAY...doing this cost us time and money and they simply unlocked the account and avoiding any attempt to address the actual problem.
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 October 25, 2017.  Please allow sufficient time for postal delivery.

A representative from the Office of Customer Advocate contacted the customer by telephone 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
 
 
 
 
Problem:
I had multiple student loan accounts with another company that were sold(?) to Navient. My previous loan company allowed for loans to be deferred until 9 months after graduation. The new company does not honor this previous agreement and wants a $1400/month payment while I am still in school. I am employed part-time and do not make enough to pay this monthly amount. Navient does not allow income-based payments either. I filed a Revdex.com complaint regarding this matter approximately 2.5 weeks ago. A representative from Navient called me and stated that they could work with me to try to cut my payments in half once all of my and my cosigner's income could be provided to him. I gave him my cosigner's number and she never received a call. The representative also told me that he would call me back in two days and I have not heard from him. I called the company yesterday to inquire about this and was told the the rep would call me before the end of the business day. I did not receive a call. My $1400 payment is due in less than a month and I trying to work with a company that will not communicate with me.
Translate
 
 
 
Desired Outcome:
I would like to speak to a representative and have my monthly payment either deferred until I have graduated or lowered to a price that I can afford. They are setting me up for default. I did not sign up for this.

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 11, 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 email on October 20, 2017.

Better Business...

Bureau:
I have reviewed the response made by the business in reference to complaint ID 10857683, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

Problem:I am unemployed with NO INCOME. I am awaiting to go in front of a judge for my disability insurance. I have contacted Navient several times. I asked today not to contact me for my past due bill and they said they would wait 24 hours! !! Are you kidding me what is going to change in 24 hours?! NOTHINGTranslate Desired Resolution / OutcomeDesired Resolution:Other (requires explanation)selectDesired Outcome:Stop contacting me!! I'll contact you once my situation changes!