City Star Nails

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,

A representative from the Office of Customer Advocate contacted the customer by telephone 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 August 11, 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.
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 belowI have not received any documents in the mail responding to my Revdex.com complaint, so I cannot accept something I have not seen.  Please ask the business to either email or fax the letter.
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.
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,

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,

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.

Tell us why here...
A representative from the Office of Customer
Advocate contacted the customer by telephone on May 5, 2015 and resolved the
issue with the customer.

A representative from the Office of Customer Advocate contacted the customer by telephone on January 3, 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 September 4, 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 June 9, 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 April 29, 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 November 13, 2017.

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 27, 2017.  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.
To date, I have had contact with the customer relations department of Navient who has requested that documents be sent to me. I'm still awaiting documentation as well as confirmation that payment terms have been updated. Thus, this complaint has not been resolved until these matters are finalized. 
Regards,
[redacted]

A representative
from the Office of Customer Advocate contacted the customer by telephone
on October 26, 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 August 17, 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.
Contrary to what Navient has stated as of today, I still have not received any correspondence from them. I also checked my account on their website today and it still does not show any payments received or posted.
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 have been in touch with a representative from Navient who has been extremely pleasant to work with; however, the matter has not be resolved. I am still unable to make on-time payments through the company's website. Additionally, when I made a payment over the phone last month, the payment was mis-allocated so that all of the payment went to my private loan even though some of it should have been allocated to my stafford loans, and so even though I made the full payment due for both the private and stafford loans, it still shows that I have a past due balance. I have been informed by this representative that the charge has been correctly re-allocated; however, when I log into the Navient website it still shows a past due amount, and I continue to get at least two harassing collection calls per day. Since I am unable to be assured that my phone payments will be properly allocated among my private loans and my stafford loans in the future, I need to be able to make payments through their website, and I want them to stop the harassing collection calls. I tried to make a payment on their website as of this morning (3/24/2016) and it is giving me the same error message I have been receiving for the last couple of months, even though I've gone as far as to provide my bank statement (which is completely intrusive, but in an effort to reasonably cooperate I provided it anyway) to show that the account is open and in good standing.
Regards,