Navient

Ive had horrible experiences with Navient. They not only have harassed me to where Ive had to block their numbers, but the reps speak to you as though you are their peasant. One woman called to advise me I was behind on my private loans. I told her I am aware and I made an effort and paid half. She had the nerve to ask me if I would pay half my mortgage. If it were a choice between my mortgage and student loans, Id pay my mortgage first! I had another woman just today call me to tell me I was 88$ behind on my private loans. I told her it was a little early for her to be calling. She said its ten after 8 (am) its not early at all. Than I told her if she would look at her records all my student loans are on hold due to ED review. She continued to be nasty while she looked into it and I ended the call. I pray this company is put an end to. Im sorry if the understandably nice people will be put out of jobs but this is not a way to run a business. Our livelyhood and those of our families are more important and we should not be made to feel guilty for providing for them over paying their student loans!

I just called to let this rotten fake company that steals all of your money. (NOT MINE) I have been paying my student loan to the US Dept of Education and have been for a while yet they still bug me and send a letter to threaten wage garnishment, etc. So I'm trying to tell this thing on the phone that I'm paying already and she still says, "now there's a way to pay...…" dah? I said "YOU ARE NOT LISTENING TO ME!" and hung up. I see all this BULL that people are stealing money from loans and they are SHAMEFUL! There should be a way to do something about this company!

At first, six months, Navient seemed legit...one month I paid extra to one of 5 loans and it went to all loans and increased monthly payment! No notice! I called to find out the issue and got a person who did nothing but stall, tell me to hang on, went over the first payment with no telling me what for and I hung up!
These guys own you! They report every payment and recalculated my loans due to the extra payment! I am outraged that this is allowed for student loans that a flat rate gets altered by a company whose business is to keep stable relations across the board. They have my debt but it still goes to the Federal government, not Navient to play games with!

Naivent has set me up on a payment plan with the Rate Reduction program and the payments have been automatically deducted from my checking account since June 2017 as set up with the organization. I was told that if I did not enroll that they would report my non-payments to my credit bureaus. While checking my credit score in January 2018, it was found that Navient had been reporting the account delinquent still, even though I'd been making the agreed upon payments. It doesn't make sense to me for me to enroll in the program to save my credit report yet I still receive delinquent reporting. I have both spoke with a representative with Navient and will send in a letter to

Credit Bureau Dispute Department
PO Box 9500
Wilkesbarre PA 18773-9500

as instructed by the customer rep.

Desired Settlement: I would like to have the previous delinquency status (was reported up to 150+ days delinquent) removed from my records considering I have been faithful with my payments under Navient's Rate Reduction Program.

Proper credits not being applied. Received a phone call from Navient on 10/23, whom stated, I haven't made a single payment in over 160 days. This is incorrect. Check payments are not being applied to my account.

I have also mailed 3 certified letters, but nothing is ever done. My account is being neglected and mismanaged.

I have made online payments in the past, but had identity theft problems. Changed to check only payments.

Certified letters sent in regards to concerns about the credits for my accounts. Track confirmation at usps.com.

**SSN[redacted]SSN** for April 2014

**SSN[redacted]SSN** for Sept. 2014

**SSN[redacted]SSN** for December

IBR Account 9**SSN**

for April IBR, [redacted] Check 1024, 93.76

for July 2014, [redacted] Check 1189, 93.76

for August 2014, [redacted] Check 1190, 93.76

for Sept. 2014 [redacted] Check 1027, 93.76

for Oct. 2014, [redacted] Check 1200, 93.76

for Nov. and Dec. 2014, [redacted] Check 1215, 187.52

for Jan. 2015, [redacted] Check 1228, 93.76

750.08

Private Loans

for April 2014, [redacted] Check 1022, 230.00

for Sept. 2014, [redacted] Check 1029, 179.38

for Nov. and Dec. 2014, [redacted] Check 1214, 166.18

for Jan. 2015, [redacted] Check 1229, 83.09

658.65

Review: Since September 2014, Navient Dept of Education has been posting my student loan payments to the wrong account, an account that belongs to my daughter Jasmin Merritt. I have called for 3 months straight to complain about this issue and to date it has not been resolved. My current complaint is about the October and November 2014 payments of $800 each which still have not been removed from the incorrect account and reinstated to my account. In addition I am being charged interest on an amount that does not reflect the $1600 payment. In addition I am receiving letters from Navient threatening to report my account to credit reporting agencies as a non or late payment. At this point I don't know what to do to resolve this issue any help that you can provide will be appreciated.Sincerely,[redacted]Desired Settlement: At this point I have been approved to refinance my loans with Navient. I am not comfortable signing the promissory not with the new loan company before my $1600 payment is posted, for fair if losing the money in the pay off. Since the new loan company will pay off the balance as it exist now (which does not include the $1600) I would like a full refund of my payment.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 31, 2014 and resolved the issue with the customer.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.

Review: I did not take out a loan from this company. I've disputed the information to no resolve. It causes me financial harm.Desired Settlement: Delete the info from my credit report. Stop the collection of the loan.

Business

Response:

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 21, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: On April 2, 2013, [redacted], Office of the Customer Advocate for [redacted] emailed me a word document which details the removal of all late fees and late payments over the life of my fourteen (14) loans. To date, [redacted] has failed to submit these updates and corrections to [redacted]. Each of these reporting agencies continues to report past due and late payments concerning my [redacted] loans. This oversight unfairly and adversely affects my ability to move forward and hinders my ability to obtain credit. [redacted] is the only negative information being reported on my credit reports. The April 2, 2013 word document from [redacted] clears up and erases all reported late payments and time periods in question on my credit reports.Desired Settlement: Based on the April 2, 2013 word document received from [redacted] of [redacted], I need [redacted] to correct and remove all reports of late payments and late time periods concerning each of my [redacted] loans for each of the credit reporting agencies:[redacted].

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on November 7, 2014 and resolved the issue with the customer.

Consumer

Response:

Review: I authorized a payment to student loans within a specified amount a transaction. There was an issue with funding within the account. No call was made to me or notification of such a problem. They changed the payment to enable them to withdraw and have my account charged for non sufficient funds 4 times. I never chose to work with this company. [redacted] switched my account to them. I don't want to deal with these people anymore.Desired Settlement: I want to go back to [redacted]. I never asked to work with this company. I also want to be refunded the money that should be used toward gas and food. Not bank fees.

Business

Response:

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 24, 2014. Please allow sufficient time for postal delivery.

Review: I began calling Sallie Mae/Navient back in early October to find out if there were any options availabe to me for lowering my payments. After many calls answered by those barely able to speak english, I finally got someone who told me there was nothing they could do until my account was deliquent. I called back 6 days after the payment was due and spoke with a gentleman that told me that he was putting his job on the line, but I qualified for a loan extention and interest rate reduction. He gave me the monthly total and I had to agree to have it automatically withdrawn from my account on the Nov 13th, this amount was taken out of my account. On Nov 14th he called to tell me that I do not qualify for that program after all because my FICA scores are too high and there is no stress on my credit report. He offered me another option to extend my loans by 4 years and no interest rate reduction. I explained that I would not be able to make that payment. I make $10.00 an hour, have a car payment and car insurance payment along with 3 other college loan payments. He said there was nothing he could do. My mother is co-signer on these loans, and she rec'd a letter stating that there was nothing that they could offer to help us. She recently spoke to a gentleman who finally returned her calls after she left 4 messages and he kept telling her that they don't have to offer us any options because there is no stress on our credit reports. She kept explaining that I make $10 an hour and she is unemployed and if they could just lower the payment or extend the terms longer then we could make the payments. He kept repeating that there was nothing he could do.Desired Settlement: I need a payment I can afford until I can get a better paying job. I want to pay this debt and keep my credit report in excellent standing.

Business

Response:

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 12, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: Prior to Navient taking over my this account, I tried contacting Sallie Mae for assistance as I knew my account would be coming due as of August 2014. Since this past spring, I have sent letters, faxes, and emails; not mention I have made numerous calls to Customer Service (Sallie Mae and Navient) regarding my account. However, my letters/faxes/emails are ignored and my calls are not productive. In fact they are quite stressful and frustrating, to the point I feel sick and that my health may be in jeopardy. This is quite unethical and will not be tolerated. I have repeatedly explained to Sallie Mae, and Navient, in my letters, faxes, emails; and phone calls, that I currently do not have the financial resources to repay these loans, at this time. I am working part time and can barely put food on the table. I have requested numerous times for any and all paperwork for a "financial hardship" deferment/forbearance assistance be sent so that I may complete and send back to avoid my credit being tarnished. As of this complaint, I have received NOTHING!! Just threatening letters and phone calls. If this matter is not resolved, or if my health is threatened, in any way, I will be contacting legal counsel.Desired Settlement: I am requesting that (a) any and all documentation for "financial hardship" deferment/forbearance assistance be sent via postal service to P[redacted] (b) that my credit history/report be corrected so that does not reflect ANY negative or adverse information or notices or status; (c) that my letters/faxes/emails are responded to rather than ignored; and (d) all threatening letters and calls stop immediately!! I have every intent on repaying these loans, at this time, however; I do not have the financial means. Accordingly, the terms of my loan agreement state that if such financial hardship does arise, the company, and its affiliates or buyers or future holders of my loan, are to honor the request for deferment or forbearance such that I can show such financial hardship.

Business

Response:

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 31, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I just recently was hired as a Part-Time Computer Teacher under an Educational Grant. My Student Loans have been on deferment since 2011 when I lost my Federal Govt employment. Under Sallie Mae this was never a problem. This new company has acquiered Sallie-Mae

and they have turned down my request for continuing deferment. I have already provided proof that we had been receiving Food Stamps and Medicaid State Assistant for a while now. This was recently terminated with no explanation. My spouse works full time but under

National Guidelines our total income still falls under poverty. My Wife and myself do not even make $30k a year. I received for the PT teaching $450 a month. I just recently had a banruptcy discharge (12-31-14). Now slowly trying to come back. I owe over 2 years

of Child Support and have other debts, including transportation costs from the job that are not reimbursed plus the regular debt. About to incur into a new deb, my spouse and myself will have to purchase health-insurance under the Obamacare law because neither one

qualifies where we work for some.Desired Settlement: Navient needs to approve Loan Deferment and continue it until I am able to secure Full-Time employment, and stop harassing me when I have already explained my situation, the moment I am able again to pay that loan I will.

Business

Response:

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

Consumer

Response:

Review: From 10/2008 thru 10/2013 my student loan was paid monthly thru the Federal Bankruptcy Court Trustee [redacted] These funds were taken directly from payroll deduction. The original claim was for $23,331.83 from Sallie Mae and $14,565.78 was paid thru the court appointed trustee, leaving a $8766.05 balance. Navient never contacted me until Oct 2014 at which time they had my account balance at around $16,000. I have been in contact weekly with reps via phone in an effort to resolve this balance. I have provided the payment records from the court appointed trustee proving the total amount paid. $2000 in interest charges has accrued on the incorrect balance and I'm told weekly that they are trying to locate the payments. They are ruining the credit report that I have worked so hard to rebuild.Desired Settlement: I want my account balance corrected including the interest charges removed, also I want this matter cleared up on my credit report.

Business

Response:

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 18, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

K

Review: I have made over payments and asked (now four times) to have the over payment applied to the principle. I have gotten generic responses or my inquiries have been ignored. Because they are incorrectly applying my overpayments I have made to date, I have now been forced to pay additional interest.Desired Settlement: Please apply my overpayments to principle for any extra payment ever made. Please give me something in writing acknowledging you will do this.

Business

Response:

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 March 23, 2015. Please allow sufficient time for postal

delivery.

Review: I had contacted Navient to restart my payments after an unemployment deferment and the next day I started receiving phone calls on my cell phone with an automated advertisement saying I was eligible for loan forgiveness/consolidation, which I most certainly am NOT and Navient knows this!The company is now harassing me with phone calls. Their number is in the Los Angeles area: [redacted] and they give another number, [redacted]. I did not return their call because I am savvy enough to know that my loans are already consolidated years ago and once you consolidate, you cannot ever do it again so I have not called back this number but I am sure there are people out there who are getting ripped off!....These calls did not start until a day after I reactivated my loan payments on the Navient website!Desired Settlement: Navient needs to stop their predatory practices!Shame on them!

Business

Response:

Tell us why here...

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 7, 2015. Please allow sufficient time for postal delivery.

Review: I am tryig to buy a house and I recieved a copy of my credit report, when I was notified that I have an outstanding student loan with this company South West Student Services Corporation (telephone [redacted] They used to be part of Sallie Mae, but then they split. I have tried contacting them by calling,emailing,and I even searched for possible websites leading me to them. I called the national student services, with no luck to updated information on this company. The contact information is invalid. I even called Sallie Mae and they gave me the same phone number as above that is disconnected. I have exhausted all the avenues. This is having an impact on my record score, and affecting my ability to rent or purchase a home, and I would like to get this issue resolved. I need your assistance.Desired Settlement: If I owe this company I need to have updated information on the account, the date of the loan, amount owed, and the payment arrangements. I would like for them to contact me so we can resolve this issuse as soon as possible, or even an updated phone number to contact them. If this student loan is a duplicate loan that has been paid already under Salle Mae I need them to take it off my credit report immediately.

Business

Response:

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 1, 2015. Please allow sufficient time for postal

delivery.

Review: Late last year (2014) I had to file a lawsuit for harassment against Navient. During this time period I noticed payments that I submitted through my online bank bill pay (The way I have paid my private loans for the last 2 years) was not going through. After the lawsuit was signed in January, I tried contacting Navient about this payment. It was not until April, the first week of April, I was able to contact Navient in which they informed me that the payments I made went to an unauthorized loan. Due to their unlawful practice of switching my payment from my private loans to federal I have an increased payment, they have contacted my credit score and refused to contact them again and set the matter straight, and they refuse to work with me in settling this issue.

Because of the unlawful funds transfer it has impacted everything that I have been able to do. If Navient would have spoken to me when I first attempt to call none of this would these issues would have happened. Because they kept refusing to speak with me and contacted my credit score they have made my life horrible.Desired Settlement: During the lawsuit I worked with Navient to show I was willing an able to work with them. my desired outcome, for their unlawful behavior and refusal to work with me, I would like them to cancel my loans so I have a loan balance of 0. The reason why I want this is they have ruined all aspects of my life due to unlawfully placement of finances so they can gain more money from this customer. This was a malicious act for starting a lawsuit due to their harassment they continued to give me.

Business

Response:

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 15, 2015. Please allow sufficient time for postal

delivery.

Review: Oct, 2013 under Sallie Mae student loan a settlement amount was agreed upon for $10, 841.00 when it was still Sallie Mae. It was a payment by phone. Sallie Mae sold there student loans to Navient after this transaction was completed. I have tried since October 2013 to make Navient understand that I don't owe as of today $2, 160. 46. Every time "I" call them to try and resolve this issue I get passed around and then the standard answer is, "we will have our supervisor take care of this", then it's not and more interest is compounded on the account. Needless to say, this is ruining my credit. I'm done with Navient and their collection department. My loan :[redacted]Desired Settlement: I want this resolved with the outcome of a zero balance and the credit bureaus notified of "THEIR" error, not mine.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on May 21, 2015 and resolved the

issue with the customer.

Review: Complaint 1: On 4/29/15 I contact Navient in regards to my forbearance paperwork for my federal loans. I was then transferred to another representative in regards to my private student loans. This representative was extremely rude and condescending while making such comments stating "It's only $100. How do you not have $100." Why don't you try selling bake good or go make you some crafts to sale so that you can make your payments." Further comments were made by this representative that we appalling, disheartening, and left me in state of shock." I filed a complaint via email to Navient and through my online Navient account on the same day and have yet to have heard anything back in this month's time. Now I do agree that it is imperative that I resolve this debt but to be spoken to in such a manner while explaining my circumstances and financial hardships is completely unacceptable and if this is not resolved, I will take my complaint higher.

Complaint #2 Incompetent Reps. & Confusion) I contacted Navient on 4/29/15 to gain further understanding how to best handle my debt. The first one that I spoke to in regards to my federal loans was helpful but there seemed to be some major confusion in regards to my forbearance and I am unclear by the posting on my online navient account if they forbearance was granted or not. I have one entry showing approved then one entry that show's there was a mix up. This to needs to be cleared.Desired Settlement: Listings: Apology, debt settling, payment options, clearer details (regarding complaint 2), Phone Call, Letter,

Every time I've called to try and best handle the private loan, Navient refuses to aid me with a solution but continuously sends me emails stating the opposite.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on June 4, 2015 and resolved the

issue with the customer.

Review: I called to try to make arrangements with the company as I am recently separated from my husband and my mom is the cosigner, only has 1 household income right now. I was told "there is nothing I can do to help you" and then resolved upon putting in a note for a late payment. Then after 10 days past due, instead of calling me, the company directly bypassed me and called my mom, at work and demanded 600 for the past due plus July's payment that is not due for almost 3 weeks! So my mother who cannot afford the payment due to her hardship was very distraught over being threatened to be reported to credit bureaus. After my call stated it would be noted to be made as a late payment to maintain good standing! So now we are both being reported for this late payment and all of this emotional distress was caused due to an error or blatant lie on behalf of the company in addition to the late fees. I will be investigating into my credit report to see what other invalidated reports have been made and contacting a financial attorney. I am completely disgusted with this service.Desired Settlement: I will be consulting with a financial attorney regarding settlement. My report has been severely damaged at first glance by these "customer service resolutions" that indeed were blatantly false. Sufficient documentation is in my person of all instances and will be compared. A copy of such recorded conversations will be required from the company. They will be contacted.

Business

Response:

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 9, 2015. Please allow sufficient time for postal

delivery.