Navient

Review: I made a $210 payment on 11/10/2014 and Navient has not applied the payment to my student loan. They will not stop collection calls. They will not rectify the error, despite the requested paperwork being sent in.Desired Settlement: Apply $210 to my student loans. The payment was made.

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 17, 2014. Please allow sufficient time for postal delivery.

Review: I was in a rate reduction program in with a 6% interest and it was expiring at the end of November So I called for an extension due to the fact that I was still in a financial hardshipI gave the representative, [redacted], my monthly financial statement as is required over the phoneI explain and it clearly shows in my financial statement that I am still in a financial hardship and am unable to pay the full amount under my 9.3% interest rate[redacted] (or K as she was calling herself) told me that the lowest they could go was 7%I explain that I can't pay that much and ask if they can make an exception on a case-by-case basis if I speak with a supervisorWould it be possible for them to allow to me to stay at 6% or 6.5% for another yearShe tells me that it's an exception that they do make on a case-by-case basisShe put me through to her supervisor "[redacted]." What I experienced next I don't wish on my worst enemyThe supervisor was cold, mean and heartless, and it seemed like as punishment for me asking to speak with her, was now raising my interest pointsShe said that the best she can do for me was go as low as 8%I said, but the representative just told me that the lowest I can do was 7% to which she laughed and said, there's no way I'd approve that...i'm changing it to 8%How did it all of a sudden go up 2% points JUST because I asked to speak to a supervisor? How spiteful are these peopleThe entire conversation (which was recorded for the record) she kept tripping over what she said the second beforeShe said the best I can offer you, if anything is 7% and I said so you can do 7%, she said absolutely not, I said 8% I never said She kept interrupting me and barely allowing me to speakI kept asking her to please let me finish what I was sayingShe says we base your eligibility to be in the program on your financial statement and your credit scoreSo I proceeded to plead with her to look at my financial statement that I just gave them and tell me where she sees all of this extra money that I have to give to them as I work for a non-profit and am freelanceShe refuses to do it and proceeds to threaten me to even be allowed to continue on in the programI explain that I am an orphan and thus can't get any financial help from my parentsI have no family members or a spouse who can help me or whom I can live with rent-freeI explained that last year my credit score got ruined, one I worked hard to maintain, because there were months where my paycheck was so low ($300) that I was even behind on my rent but had to make sure that there was enough money in my account for them to take out because it's auto debited (I paid $each month in Auto debiting is a requirement of the rate reduction program)As a result of this I couldn't afford to pay my credit cards because my priority is rent and [redacted] (now Navient)Due to the fact that it ruined my credit score I was denied by two lenders that I applied to this year to try to buy out my loan from Navient just so that I don't have to deal with their heartless employeesI didn't understand how my case didn't qualify for the special case where they do make an exceptionAfter all I had just explained including that both my parents had passed away many years ago leaving me an orphan without any financial assistance during these hard timesHow does everything I just told her not qualify me as a special-case-exception-scenario? When I asked to speak with her supervisor she scoffed and said that he wasn't in and he wouldn't approve 7% eitherI explained that I can't even afford to own a car even though I live in cold Colorado and am forced to take public transportation to work and proceed to explain that I have no lifeAll I do is pay bills and stay home because I have no money to do anything elseThroughout the entire conversation she didn't offer me any help, sympathy or understandingHow someone can be so cruel and heartless as to not treat people like a human being who can't give you money that they literally don't have is beyond meShe even told me that $a week on food is "excessive." How dare she tell me how much I should spend on food according to NavientShe doesn't know my eating habits or if I am a diabetic or have cancer, etcShe should not be allowed to tell customers what's "excessive" when it comes to groceriesI shouldn't have to justify my eating habits and I rarely am even able to eat outThat estimate was just on groceriesShe continues to berate me at which point I do what I normally Never do and break down in tearsShe seemed a little surprised by my reaction and told me maybe she can try to do 7% instead of 8%She then transferred me to the rep that I was speaking with earlier so that she could get my payment information to set it up for 7%When the rep got on the phone she was surprisedProbably because when she last spoke to me I wasn't crying and was talking normally and by the time she got back on the phone with me I was sobbing and could barely speak because of how upset [redacted] had made meI told her that Linda made me cry because she was so mean and berated and threatened meAll I'm trying to do is pay them and I can't give them money that I literally don't haveShe said I completely understand and apologized on behalf of Linda's treatment towards meI told her that it wasn't her fault ad that I could never work for a company that is (possibly) trained to treat their customers this wayWe are not just customers, we are human beings first and foremostI'm not a customer who is late on her payments or is in defaultI just needed some understanding for my current financial situation which if it was up to me, I wouldn't even be in but I am doing the best that I can and trying to pay off this loanI just wanted to remain at 6% for another year so that I can get on my feet
On a side note, when I asked how much of monthly payment goes toward the principal she didn't know and said it varies month-to-monthWeird since i'm not in a variable interest rate plan
If Navient/[redacted] were a person they should be imprisonedSince they have ruined my credit I can't buy out the loan with another company so I don't have to be under their regimeI'm hopeful that Navient/[redacted] will reap what they sow because people have caught on to their lies and injustices and now politicians are involved and are trying to lobby on behalf of the borrowers so that they change their practices
After all that Linda put me through she did nothing for me other than traumatize me over the way that a complete stranger can somehow make you feel worse when you're trying to do the right thing and pay off your loanThere was nothing that Linda was willing to do for me and I will now will be struggling to pay $a month for the next year at 7%I still can't believe how I was treated by [redacted] from the Navient office located in IndianaShe nor any of their employees should be allowed to judge or criticize anyone about how much money they spend on groceries, berate and put down their customers, threaten to kick them out of the program or make them cryI can't believe that such people exist and are allowed to work in customer serviceThey are providing a Disservice as a representative of NavientIf I treated even one customer this way I would be fired from my job and not promoted to supervisor like Navient did with herWhoever is reading this please listen to the recording so you can get some insight into how she treated me and made me feel and not just take my or her word for itAnyone who knows me will testify that I am not a crierIt is extremely difficult to get a rise out of me or make me cry but she succeededPlease contact me with any questions and to let me know if any action was or will be taken regarding this matter
Sincerely disgusted with Navient, [redacted]Desired Settlement: I would like to speak with another supervisor with exceptional customer service skills and who will treat like a human being and not a wallet or robot with no feelings who can work with me to allow me to be at a 6% interest rateBased on everything I wrote above I feel that I qualify as a case exception
Thank you[redacted]
Business
Response:
A representative from the Office of Customer Advocate contacted the customer by telephone on December 18, and resolved the issue with the customer

Review: This company has been told 3 previous times to not contact me at work regarding an unpaid student loan debt. This is to simply go as a hard mark on my credit report. They have been harassing me at work and are now contacting my boss, which is illegal and EXTREMELY unethical. As previously stated, I have already told them I will not repay said debt and they still are bothing me during my working hours at my place of employment. I have told them each time to not contact me again as this is my work number. I will not give them my cell phone number and now they are harassing me.Desired Settlement: To leave me alone and mark this as a hard mark on my credit report. I will not be repaying this loan, nor do I have any desire to hear what Navient has to say/threaten me with.

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.

Review: I spoke to Mr. [redacted] (Navient aka Sallie Mae rep) recently and let him know that I could not afford a $368 payment and how that is more than 10% of my income. [redacted] has new laws in place for companies like Sallie Mae aka Navient that prey upon individuals and attempt to deprive them of their lively hood. I am willing to make payments, but I will not be making payments that equal more than 10% of my income. I also asked that Navient send me a copy of my promissory note, as well as, an explanation on how my loan shot from $12,000 to $26,000. Still I never received anything via mail as requested. Sallie Mae aka Navient has been harassing me and causing me emotional distress because of this issue. It is extremely stressful to continue to get daily-hourly harassing phone calls, as well as, negative feedback on my credit. Navient is attempting to deprive me of life. I have asked for help and for a program that will suit me, but Navient refused and instead continues to prey upon me. I requested a copy of my promissory note, I requested information on how my loan went from $12,000 to $26,000, I requested Navient develop a payment within 10% of my income, I asked that Navient stop reporting negative feedback to my credit, and I asked that Navient stop harassing me via phone and email daily. This company is attempting to cause me more financial hardship, just as they have caused me emotional distress. The emotional distress Navient has caused me has resulted in me being on bed rest numerous times.

Navient has refused to come up with a fair lawful payment agreement. [redacted] set laws in place so former students with student loans won’t be preyed upon and deprived of necessities from life due to paying student loans. I am only required by law to pay 10% of my income towards student loans. However, Sallie Mae is requesting approximately 50%. The combination of the harassment and the inability to be able to pay the ridiculous amount requested has caused me intense distress. Navient is totally uncooperative and they continue to prey upon the ones whom have attempted to further their education by participating in illegal predatory acts.Desired Settlement: I want Sallie Mae aka Navient to send me all information requested (promissary note that I signed as well as information showing why and how my loan has increased. I also want Navient to stop calling me and remove negative feedback from 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 January 22, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I have tried to communicate with Navient via USPS certified mail on numerous dated occasions, but have only received generic letters that do not address any of the issues I raise in said correspondence.Desired Settlement: Communication via letter with an individual regarding contact information, debt validity and resolve of the situation at hand.

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 January 29, 2015. Please allow sufficient time for postal delivery.

Review: Hello, I am writing to you regarding the Navient company. While attending the University at Buffalo I took out several loans with the company, then known as Sallie Mae. While there I called Sallie Mae to make sure that I would be able to consolidate these loans so that I could pay them off when I graduated. I was told I could, but not until graduation. Once graduated I called Sallie Mae back to consolidate these loans and lower the monthly payment ($1,000). This is when I was told that I had taken out private loans and that I did not qualify for any time of consolidation, based on income or any other program that would allow me to lower payments. I explained to the company that my monthly income was less than the amount they were asking me to pay, and that I was willing to pay what I could for however long it took and they refused to work with me.

I started to take 6 credits at a local community college, paying out of pocket to defer my loans that I could not afford just to I could avoid going into default. When the company transitioned into Navient from Sallie Mae I called them back hoping that they would be willing to work with me now that the government has stressed how crucial it is that these private loans are ruining the future of people like myself who can not afford these payments. I yet again asked to refinance, extend my loan period or anything that they were willing to offer that would allow me to start paying back these loans. I was told that not only was there nothing they would do but that my payments are now at $1,500 a month. While I have moved into a better career, I take home only that a month. I explained this to them again, saying that they are asking me to pay more than I can afford. They gave me no options. I then asked to speak with a supervisor. After speaking with him and told the same information I asked to speak with his supervisor. I was placed on hold for over 45 minutes without being answered. Then I was hung up on. I left a message saying that I had asked to speak with a supervisor and was then hung up on and that I requested them to call me back. They never did.Desired Settlement: By giving you this information I am hoping that Navient will be held responsible for these actions. They have a borrower who is willing to work with them. Someone they are putting into an impossible situation that would be financially devastating. They also refused to speak with me by placing me on hold then hanging up.

I would like them to contact me with ways that we can work with each other to get these loans repaid by being reasonable and willing to negotiate, just as the government has asked.

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 11, 2015. Please allow sufficient time for postal delivery.

Review: I was enrolled in a rate reduction program for student loans that expired and I called to re-enroll because I cannot pay the full loan amounts. I am 8 months pregnant and spent 2 months in the hospital due to complications and surgery and am on bedrest unable to work. I get a small percentage of short term disability but nowhere near enough to pay my loans. I called and they reduced only one of my loans from $780 to $680 and said my other 2 loans can be paid by my consigner. I talked to my consigner and my mom does not have money left over to pay the loan amounts as she reported to Navient. Josh Randall (supervisor) said yes she can make it happen. They are expecting payments that cannot be paid and we have given proof of that but they don't care. The reduction program is supposed to help customers who are in dire need of help and want to make any sort of payments they can and they did not seem to care to help and very rude while making that clear.Desired Settlement: All 3 private loans to resume in the reduction rate as they were the prior year. Neither myself or my consigner have made anymore income than last year, I've actually made less than half now that I'm on short term disability only get 55% of my salary.

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 19, 2015. Please allow sufficient time for postal delivery.

Review: I tried to make a payment on my loan via my debit card and was told that they would not accept my debit card because it was a credit card.

They had no logical explanation as to why my debit card was not being processed. Even though I have done the same exact procedure.

I had to wait on the phone for 40 min and 2 seconds and then an additional 11 minutes and seconds

They literally passed my call around 4 times. Very frustrated.Desired Settlement: I would like to continue to make payments via my debit card

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 17, 2015. Please allow sufficient time for postal

delivery.

Review: Navient has reported me to the credit bureau. They can not give me an explanation as to why. I have not been late because the payment is automatically drafted out of my account. I have not received any collection phone calls either. They can't tell me where my money is going or anything else that could help in resolving this issue.Desired Settlement: Take the alleged missed payments off my credit.

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 20, 2015. Please allow sufficient time for postal

delivery.

Review: salliemae has been scamming me with there high rates and calling me at all times of the day and night

iv been trying to get my intrest rate lowerd from this company and they will not talk to me but if I can pay a full payment they will call me 3 to 4 times a day and all hours and wont let me work something out. iv been in the navy for 7 years and I am trying to pay this loan off this company is the worst thing I have ever did by takeing a loan from them I read an arttical and it told me to write you guys and you guys could help me im just trying to get this det gone.Desired Settlement: trying to get them to lower my rate and pay me the money that im due for the high rates they have been given

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on March 17, 2015 and resolved the

issue with the customer.

Review: Navient is running an excellent scam ! I put in to consolidate my loans back in September 2014, they consolidated, Great Lakes and Fed Loan servicing however Fed Loan Servicing did so before everyone, therefore Great lakes cancelled the consolidation and returned the funds back to the Department of Education, unlike Navient. I have had to call them nearly 1 a week since September 2014 for them to return the funds as what they were doing is ILLEGAL!!!!!!!! Navient was trying to have me pay them for the same exact fed loans as I was already paying Fed Loan Servicing. Then the day I call them, not to mention nearly 5:00 EST Monday, March 16th as the day was winding down, their representatives started calling me off the hook. When I called back I received a very snarky man named Keith at [redacted] (Just in case you can't reach anyone there) whom said today that they will return the funds back to the Dept of Education. WOW only 8 months later and they are doing THIER JOBS. I hope the Department of Education reads this.Desired Settlement: They were to have a lawsuit filed against their actions with me, and probably thousands of others for their business practice negligence from the Department of Education and I would like any money paid to them returned. Also, an apology for having to call nearly 15 times to push their RUDE staff to do THIER JOBS.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on March 26, 2015, and we are working with the customer directly to

resolve the issue.

Consumer

Response:

Review: Navient sent me a PDF file last month verifying increase in student loan monthly payment starting May 5th 2015. When I called to verify this they said I would not be charged for April andy new loan payment plan (as per we agreed) would start in May. In received an email about an upcoming auto debit and when I called to inquire about this the representative assured me my next payment would not be debited until May. I awoke to a 250.00 debit from my checking account this morning breaching our contract and both people lying about my payment for April.Desired Settlement: I want them to not only refund my money but pay for my over draft fee and NOT affect my credit history.

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 April 16, 2015. Please allow sufficient time for postal

delivery.

Review: Multiple collections and customer service agents misinformed about the reason forbearance was placed on my account. I called in simply asking about the process and was told a month was used without my knowledge. I was told that collections processed the forbearance and was not told the reason why. I was also told that I never late on my bills so it was "impossible" for to have asked for forbearance. Naturally, I asked them to correct the issue and they did. Two days later I received a phone call from collections saying I owed $90. Again, no one could tell me why I was late, but I was told that one of the loans was 50 days late and could effect my credit if it wasn't paid. I paid it and ask for a review of how it could happen. Almost two weeks later after multiple calls and having between 6-10 associates, multiple supervisors, and one manage look through my account I was finally told the real issue. I had asked for a lower payment plan so they processed forebarence on my account to give me the lower payment. However, if I were told that the first time I would have never asked for the issue to be corrected. The last manager I spoke told me nothing could be done since I had already paid the $90. This I find to be completely unacceptable. Before that date if we did not pay on time we had paid early and sometimes more than was due.Desired Settlement: I need my funds back that I only paid due to the misinformation with no penalties or my next payment adjusted and paid for by them.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on April 29, 2015, and we are working with the customer directly to

resolve the issue.

Review: This company continues to contact me and ask for my date of birth and social security number.

Not sure why they continue to ask for this information, when they have it on file.

I do not give this type information out over the phone.Desired Settlement: Naviant should contact my in writing and stop calling me.

They have my address on file.

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: Navient took over my student loan placed me in default and ruined my credit score I was in school and my loan should have been deferred.Desired Settlement: I would like my credit score repaired. the rating has dropped significantly due to their reporting.

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 June 12, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

This issue has not been resolved yet.

Review: I have loans through Navient and I have never experienced such an awful experience before in my life. They call every day harassing me about payments even when current and the most recent and big problem is, I called and spoke with a Rep on the phone and set up direct deposit. The Rep assured me everything was set up correctly and even sent me a confirmation showing that the loans would come out of my bank account directly, but as of 6-22-2015, my account went delinquent again and I called their customer service line to get this figured out. I was cycled through the exact same menu 9 times and never was sent to a customer service Rep. Only when I accidentally typed in an extra number did I get directed to their, "higher ups". I spoke with the Rep explaining my confusion and she assured me I would receive a call fixing the problem by today 6-29-2015 without any further delinquency up charges. The Rep called today to try to collect an absurd amount of over due money that wasn't even the initial payment requested. As I spoke with the Rep about waiting on a response to fix all of that, she hung up on me! I am extremely frustrated and infuriated by this company and how disrespectful their workers are to customers like myself and are extremely hostile and unwilling to work out problems they admit to AND cause.Desired Settlement: My desired outcome is; I want them to completely set up direct deposit, refinance my loan payments and completely undo all of these unnecessary over due payments. That was the whole purpose of setting up direct deposit so I could completely avoid this. I feel that this is the least they can do for harassing my family and I for so long and being so down right rude to me. It is not morally or ethically right to pray on and harass people like this company does and I am extremely hurt by their business ethics.

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 8, 2015. Please allow sufficient time for postal

delivery.

Review: A payment was sent to Navient on March 23, 2015. The office was contacted by my wife, [redacted] when the payment did not post to the account by the beginning of April. The representatives tried to tell her they did receive the payment on April 7, 2015 but that was from a separate payment. Multiple attempts from our banking institution were made to send necessary proof of payment. All parties taking calls disregarded information given to them. On June 24, 2015 my wife again contacted Navient and was told the payment was applied to a "[redacted]" a cosigner on a [redacted]' loan account and the funds were misappropriated. The loan was also transferred and the funds were unable to be recovered. My wife told Navient it was not of her concern how the funds are applied but they needed to go on my account ASAP. As of July 1, 2015 the payment has not posted to account and the supervisor she spoke with has not returned call with a resolution.Desired Settlement: $50 payment applied to my student loan account back dated to March 23, 2015. ONLY acceptable outcome.

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 10, 2015. Please allow sufficient time for postal

delivery.

Review: Navient just purchased student loans previously handled by ACS. I was up to date with my payments to ACS. I have received notices of this puchase but until this last Friday, August the 7th, have not received a bill. The bill states that I owe $270.12, my customary bill with ACS. Today, Sunday August 9th, I was finally able to access the Navient website and create an account. The online account stated that I was severely overdue and that I owed $302.28 MORE than the $270.12. Again, I just received the bill on Friday and was up to date in my payments to ACS.Desired Settlement: removal of $302.28 in late fees.

Business

Response:

I filed a complaint yesterday, Sunday, August 9th, against Navient. The issue has been resolved and I would like to cancel my complaint. I apologize for any inconvenience. Sincerely, [redacted]

Review: I have a student loan balance of $127,320.90. All of the payments have now come out of forbearance and they are asking for $1031.36 a month. I called up Navient to discuss options to lower this payment as I only make $30,000/yr, I am married and my spouse is legally permanently disabled and receives a limited SSDI amount, and my income does provide for both his and I living. I called to see about reduced payments and after about 45 minutes of being put on hold, and unsure answers I was told that there was NOTHING that could be done to lower my payments. They asked me to get the cosigner to pay, to which I explained there is no relationship there with the cosigner who is a step mother who is no longer in my life for legally and they basically told me that I should just default and deal with it when I am in collections. I just want to be responsible and pay my bills. I told them the most I can afford monthly would only be $450.00. They told me basically no dice, there is no way or chance that they would ever accept that amount from the asking $1031.36 and they would see what "they could do" which probably won't be anything less than $736.00 a month if they even can because all of the loans are NOT eligible only one. Even that amount $736.00 is too much. I don't understand why they cannot work with someone willing to pay a certain amount each month at $450.00 a month to at least make a payment and be current and do the right thing and then told by the lender to just let it default. What kind of business practice is that?? That is horrible. Now I am stuck here waiting for a phone call that I may or may not even get and it's all up in the air. I am sure as soon as I miss a payment they will be blowing up my phone 4 to 5 times a day. I really just want to lower my monthly payments I know they have several options to do so with all the private loans even though I am being told there isn't. Then Navient shouldn't advertise that there are options. HOW CAN YOU TELL SOMEONE TO DEFAULT??Desired Settlement: Take my desired payment of $450 a month to keep this account current without going into collection and HELP ME! Help me achieve paying my balances rather than working against me and telling me to default and not taking anything at all and demanding money. Just help someone who is trying to do the right thing.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on August 12, 2015 and resolved the

issue with the customer.

Consumer

Response:

Review: I have held my student loans through Sallie Mae, which became Navient. When the company became Navient, I began having several reoccurring issues with them. This most recent issue is that I am making payments and they are not reflecting that on their end. However, every statement I've received from them reflects that I have a $0.00 amount Past Due Payments and $0.00 Total Current Unpaid Fees. I'm looking at my most recent statement from them and it shows just that! However, I have been receiving multiple calls from them and third parties every day that claim I am past due! Then I receive a letter in the mail this week that states I am delinquent and they are going to report me to the consumer reporting agencies! This has happened with them before and it turned out they had not been crediting my loan half of the payments I've made. At that time, when I had called them, no one wanted to hear me out. They simply treated me like a deadbeat who was lying to cover not making payments. I had called so many times and talked to so many different people that didn't want to take the time to research anything or help that I don't even want to waste my time now. So I decided to research my checking account deductions as I know I have not missed a payment. Sure enough, they have not been accounting for half of my payments YET AGAIN! I can only go so far back on-line, but from 2/3/14 to 8/10/15, they did not credit my account $1,127.57 in payments! So they are taking my money, but then turning around and harassing me and threatening me claiming that they didn't get it! Ever since Sallie Mae became Navient, it's like the proverbial one hand doesn't know what the other's doing! I'm to the point that I'd rather consolidate my loan through someone else rather than to deal with these people that just want my money but can't even do their job accurately! PLEASE HELP!Desired Settlement: I want my loan account to reflect what I've paid. I no longer want to make 2 separate payments, since obviously they can't handle multiple payments from one party, and if they have reported me to the credit bureau, I want my credit score fixed! I'm working hard to repair my credit score after an ugly divorce, I certainly don't need this unjustly effecting 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 September 11, 2015. Please allow sufficient time for

postal delivery.