Navient

Review: A collector from this company called my workplace at 8:00 a.m. today. Please tell them NOT TO CALL MY WORKPLACE...EVER.

This is transcript from the message:

This is chris from calling I was just to locate a vanessa lewis group provide me with location for matias for vanessa lewis please contact me directly area code [redacted] thank you."Desired Settlement: No calls at work.

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 October 30, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I have scheduled automatic withdrawals for my student loans bi-monthly. 117.34 at the beginning of the month, 117.34 scheduled for middle of the month through Navient. Its been this way for almost a year. In early December I saw the normal withdrawal of 117.34 with an additional withdrawal a couple days later for $230. I learned this too late as I was declined buying groceries. By the time I had the chance to call Navient to investigate, they had already made attempts to collect on the mid month amount of $117 TWICE!!(naturally I was hit with insufficient funds fees totaling $70), they claimed that they would submit my complaint for a credit to my account and I was assured that I would not be billed again for the rest of the month. When I received a direct deposit check on 12/20 I allocated a certain amount for christmas gifts figuring I wasn't going to be hit with another attempt of $117. On 12/23 they withdrew $117 and cleared a lot of my christmas money for gifts. Any other month that wouldn't matter. But we had the biggest family reunion in years and I really wanted to let some people in my family know that I was thinking of them even though I hadn't seen them in years. Navient took from me an absolute intangible of being able to see the smile on someone's face when they receive something unexpected. Its unethical to be able to just make multiple attempts at peoples bank accounts without regard for late fees or ability to pay. When permission is given to do an automatic withdrawal for a specific date for a specific amount it should be limited to exactly the amount and date specified.

P.S. 4 years ago I was making $80K-100K a year. I was making a lot of money and was aggressive in paying my student loans. 2 years ago I was layed off and took a significant pay cut. went from 100K a year to 10K a year. last year I made a little bit more but not much. Along the way I had my payments rescheduled from once a month to bi monthly and also requested a reduction in my monthly payments which was still high relative to my DTI (debt to income ratio). One specific loan was payed ahead aggressively enough that monthly payments were not necessary until now as they kicked in for the month of December (and mind you this was without notice). The initial customer service representative whom I spoke with on 12/17 told me that the aggressively paid loan was the reason for the balloon payment in early December. When I called 12/26 no one found any record of why there was any reason for the balloon increase. I am absolutely confused as to how no one can give me a consistent answer as to why the payment jumped a full 100% without warning.Desired Settlement: for there to be a regulation put in place where companies are limited to withdraw EXACTLY the specified date and amount agreed upon. They shouldn't be allowed to just continue to make multiple attempts to collect a debt (w/autopayment privileges) like a vulture returns to a corpse for the hopes of more food.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on January 6, 2015, and we are working with the customer directly to resolve the issue.

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: Neither the phone system nor the website has allowed me to make payments, nor have I received a bill in months. I thought the lack of bills was because I signed up for automatic payments. Well, their payment system hasn't been withdrawing any money from my account, and I am unable to access their system via phone or the web, hence my problem. The website doesn't recognize my credentials, and when I fill out the "forgot password" site, the site seems to accept the information, but never sends a temporary password or a link allowing me to change my password. Also, when I call in, I'm subjected to several minutes of preliminary talk, and when I am finally asked for my account information, the system says that it is transferring my call...which it never does. Ever. Regardless of the time or day of the call, I never am able to connect to a person, which is important because they do not have an automated phone payment system. I just want to be able to pay, and I cannot because of these reasons. They also seem not to provide an email address so I can contact someone to let them know what the problem is. This problem will likely result in me being penalized through the credit bureaus, but I cannot control the fact that their systems will not allow me to pay.Desired Settlement: I want access to the payment system, and I want assurance that the delays in payment will not be held against me because this has not been my fault. I want a copy of this letter sent to me, and I want it sent to all of the credit bureaus if there has been any negative reporting against me. I don't want credit; I don't want my bill reduced. I only want to be able to pay, and acknowledgement that this will not be held against 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 February 4, 2015. Please allow sufficient time for postal delivery.

Review: On September 10, 2014 two separate payments were sent electronically to my accounts with navient. A week later I noticed only one of my payments had been applied to my accounts with them. I gave it another week then contacted them. They insisted they had only received on oayment and that I needed to send a copy of my monthly statement to prove it. I faxed a copy of my statement showing the two payments withdrawn from my account in October. After not hearing anything after two weeks, I called to confirm the fax had been received. The navient employee told me that they had a letter they were preparing to send me to let me know that I needed to send them some kind of proof of specific electronic payment. I contacted PNC to find out how to get this information. They three-way called navient and myself to figure out what specifically was needed. After the conversation, it was determined that PNC needed to sent a particular proof of payment. They did so. After a month of not hearing anything (now in December), I contacted navient again. I was transferred multiple times before being told by a manager that the electronic payment proof was for the wrong payment of $500. I contacted PNC again and asked them to send proof of both payments to ensure this doesn't happen again. They did so the week before Christmas. It is now January 17, and my account is still not showing the money credited to my account.Desired Settlement: Correct my account so that my loan demonstrates that I have in fact payed the loan off. This needs to be done quickly so my tax form correctly reflects the interest I have paid on my loans for the year. The payment needs to be dated on September 10, 2014 since that is when both payments should have been reflected on my account. I want my refund for my overpayment to be correct, as interest has been accruing that should never hAve been applied. I want my refund to arrive by march 15.

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 28, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: Navient, formerly known as Sallie Mae is the student loan provider for my daughter. I originally cosigned for my daughter over 15 years ago.This past winter during the holiday season my daughter had some health related issues and severe financial difficulty. During this time she got behind on her student loans. Though I am a cosigner, I was not aware of this situation because about a year and a half ago, I relocated to Florida and when the demand letters were sent to me, I did not receive them as mail forwarding had long since expired.Eventually at the end of January 2015 Naivient found me. They alerted me that the account was behind at which time I worked out payment arrangements to bring the account current. My daughter and I also setup automatic deductions each month in order to ensure that the account would never again fall behind.In reviewing my credit report at the end of February, I found that my credit rating dropped almost 80 points because Navient reported the loans (3) late in January as well as February. This was a big blow. When we made the agreements with Navient they assured me this would bring the account current (beginning in February). What the collection associate neglected to tell me was that the date that we picked for the automatic payments was after their "cut off" date and thus the account went late again and we were then reported to the credit bureaus.I have tried to work with this group but they could care less. It really hurt to see my excellent credit standing be hit in January, but to have them hit me again in February well after we made arrangements and made payments seems like a deceptive business practices. I would love to be able to get them to remove January and February as I was not notified (funny they found me by phone at the end of January, after I was reported to a credit bureau), but the February hit is just wrong.I am hoping someone can help or guide me to see if there is anyway that I can restore my good credit.Desired Settlement: I am 65 years old and recently retired, living on a fixed income. I have no idea how long, if at all it will take me to restore my credit so I can be eligible for a loan, a mortgage refi and so on.I would like the derogatory items from Navient removed for my credit and would like my credit rating restore.

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 12, 2015. Please allow sufficient time for postal

delivery.

Review: I called in to have my auto payments and auto debit canceled for 2 months. After reviewing my bank statement I realized those payments were never canceled on Navient's end which caused my bank account to be over drawn several times incurring additional overdraft fees. Navient now does not want to refund me for my payments to them since they have already been processed; even though I requested to have those payments canceled before they went through. I have emailed a supervisor ([redacted]) at Navient my bank statements and she has also listened to the recording and still does not want to arrange for a refund.Desired Settlement: Navient needs to refund me the payments I requested to be canceled and also for the additional overdraft fees I received from my bank because Navient processed those payments.

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 5, 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.

I made a payment yesterday and it processed out of my bank account today as planned but it's not processed out of my loan balance on their website yet... I was paying off a loan in full and now there is like 30 more cents on the loan so when it processes it won't be gone. If a business is going to take money out of our bank accounts they better be able to take it off of our balance on their website at the same time... It accrued interest while sitting on balance. I've tried reaching customer support about this numerous times and for other things but they have not responded to me once. Disgrace.

Review: This is regarding two account with Navient, Acct # [redacted]. Navient has been reporting me to all three credit bureaus that I have been paying a partial payment and that this account is charged off. They have been reporting this for the last 3 years every month. This information is incorrect. I have been paying the full agreed upon amount and they are running my credit. Further they will not speak to me regarding the account so nothing can get resolved. Navient needs to refrain from reporting these accounts to the credit bureaus and needs to fix the reporting on the last 3 years. I would be happy to work with Navient to pay these bills and have the money to do so however they have not worked with me. If Navient would like to call me regarding the account I would be happy to discuss it with them.Desired Settlement: Credit report for the last 3 years needs to be fixed to show this account has been paid as agreed and is not in charge off status.

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 9, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: - April 2013, I sent a check ($7,014 [redacted]) to Sallie Mae to pay my student loans. Sallie Mae cchsed out my check in May 2013, however they didn't change my balance since Sallie Mae couldn't find my account number even if I wrote my school on the check.

- Jun 2013, I checked my balance and contacted Sallie Mae and Sallie Mae told me they'll send Sallie Mae check to me. However, I couldn't receive the Sallie Mae check since Sallie Mae sent the check to wrong address (LA, CA) and somebody chashed out the Sallie Mae check in Jul 2013. At that time, I have stayed in Washington D.C. to attend Georgetown Graduate School.

- Since then Sallie Mae talked me they were checking the status of the check until Sep 14 and finally, they resulted in they couldn't pay me.

Bottom line is that I send my check to Sallie Mae and they cashed out my check in properly and I didin't receive the Sallie Mae's check at all.Desired Settlement: Still I couldn't refund my check from the Sallie Mae of Education Loan Service. I'd like to make my education loan balance correctly.

Thank you in advance.

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.

Review: I have 5 student loans through Navient. I have loans that very with the interest rate from 5.75% to 10.75%. I have been making payments every two weeks since June 5th, when the first payment was due. I'm trying to pay down these loans by making payments every two week.The issue is this: I set up my payments through bill payer with my credit union, and they send Navient 5 payments, just as I set up these payments, to ensure the proper amount I have designated is applied to the correct loan. Navient doesn't apply the payments as I have allocated. They consistently apply money designated for the higher % loan on the lower % loan. I've called many times to bill payer, as well as Navient, and Navient just can't get it right. As I'm waiting for something they called a system issue to be fixed right now, I also have to contact you again now to fix the mistake again as Navient has misapplied my payments yet again. This is absolutely unacceptable. I'm a college grad trying to pay off my loans, and you simply are making it as difficult as you can for me. I have to watch every payment, and every payment adjustment, and I simply don't trust your calculations. I can't keep track of these loans when they are misapplied. And to try and go back after the payment adjustment and reconcile, makes no sense either. They apply payments in ranges from $1.00 on up. They don't apply for example $300, they apply small amounts instead, such as $1.36. I am expected to add up my payments to ensure they are accurate. I am willing to pay back the money I owe on these loans, but Navient needs to allow me to pay extra on the loans I so choose.Desired Settlement: I want all 5 of my loan accounts reconciled. I want every misapplied payment I've made since June 5th to be allocated correctly. I want credit for all interest I've paid on the higher interest loan to be adjusted correctly.I want someone to handle these payments each month, and apply payments correctly. I don't want to waste my time each month calling in, or asking my mom to call in to get this corrected.I want Navient to get it right the first time.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on July 28, 2015, and we are working with the customer directly to

resolve the issue.

Consumer

Response:

Review: I originally contacted Navient about charges appearing as late on my account in addition to 5 " unknown transactions" that ranged from 1 to 11 cents being added and taken away from my account with no explanation. My loans had been consolidated and these charges appeared the day my new consolidated loans arrived. There are two "late charges " that appeared on my new consolidated loans, which is fraudulent because not only were my loans in deferment and not in repayment, but I paid the full amount of my payment on time anyway. 106.00 dollars in "late charges" is the total amount I have been overcharged. Navient responded that there were no late fees and they did not know what transactions I was referring to, so I sent them a copy of my transactions straight from their website. None of my questions were answered but I was told they would look into it. Navient also said there should not be late fees on my account but my transaction page showed all of this. I received an email back saying that I should allow 24-48 business hours for a solution. This was received on 12/26/14, and I received another email on 12/30/14 that they were working with the consolidation team and they are still reviewing the account. Yesterday the 6 of January I emailed again, as there has been no explanation and I'm concerned this has been reported to my credit when I am not at fault , it is still unresolved and these "late fees" are collecting interest and the simple solution of taking the fees off my account has not been offered. The response to this was not a solution, but rather an explanation that makes no sense. My loans were from the DOE and they specifically say there are no fees associated with consolidation, yet now Navient claims the fees have something to do with consolidating, but they do not know why they are listed under late fees. Still no explanation for the 5 unknown transactions. I will be contacting a lawyer as well, and expect to be compensated for both the time trouble and fraudulent practice as well as the inability to handle my complaint in a timely fashion.Desired Settlement: 106.00 + all interest accrued based on the not late "late fees" taken off my account and the other charges explained and dismissed.

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 9, 2015. Please allow sufficient time for postal delivery.

Review: NAVIENT WAS SALLIE MAE AND THAT IS WHO MY HUSBAND PAID OFF FOR MY STUDENT LOANS. WHEN MY HUSBAND PAID OFF ALMOST 4,000, HE MADE SURE TO ASK THEM IF THAT WAS THE PAYOFF AMOUNT BECAUSE THAT IS EXACTLY WHAT HE WANTED TO DO....PAY IT OFF. SO HE WAS GIVEN THE AMOUNT AND HE PAID IT OFF. THEN I STARTED RECEIVING PHONE CALLS AND LETTERS FROM NAVIENT SAYING THAT I STILL OWE THE AMOUNT. AFTER MONTHS AND MONTHS OF FINALLY GETTING THAT STRAIGHTENED OUT, THEY ARE TELLING ME I STILL OWE THEM MONEY.Desired Settlement: I WOULD LIKE THEM TO SHOW PAID OFF SINCE THAT IS EXACTLY WHAT MY HUSBAND ASKED FOR AND SINCE HE WAS GIVEN THE WRONG AMOUNT, THEY SHOULD EAT THE DIFFERENCE AND I SHOULD NOT HAVE TO PAY SINCE IT WAS CLEARLY THEIR MISTAKE. THIS MESSAGE SHOULD HAVE BEEN RECORDED AND SHOULD BE ON FILE FOR THEM TO LISTEN TO. I WOULD ALSO LIKE THIS TAKEN OFF MY CREDIT REPORT. SINCE THEY MESSED UP, IT IS STILL SHOWING ON MY CREDIT REPORT.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on September 16, 2015, and we are working with the customer directly to

resolve the issue.

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 am a Physician Assistant who recently graduated in December 2014. While in graduate school, I took out 7 separate federal loans to cover tuition and living expenses. These loans are currently being serviced by Navient, Deparment of Education Loan Servicing. In April and May 2015 I spoke with several Navient representatives about my loan repayment options, which were to begin July 4, 2015. I settled on the Pay As You Earn repayment plan which is based off income status, family size, etc. It is required to reapply for this loan on a yearly basis, at which time I received the following contract from Navient on May 26, 2015:

"We're pleased to service your student loan(s) on behalf of the Department of Education. Your request for the Pay As You Earn Repayment plan on your Direct Loan program (DL) student loan(s) listed below has been approved.

Your monthly payments will be 220.82, beginning on 07/04/15 and ending on 06/04/16."

At the bottom of the letter was reference to ALL 7 student loans I had being serviced by Navient, which are the only loans I have.

I calculated my budget for payments of 220.82 until June 4, 2016 which is when I was to send a reapplication. My first payment was listed as this amount and due on July 4, 2015, which I paid early. On July 5th, 2015, I received a statement for my payment due next month of 379.16, a discrepancy of 158.34 per month. I was at a loss as to why my payments, which were to by 220.82/month THROUGH June 4, 2016, could all of a sudden by changed at the drop of a hat by Navient.

On the first call with Navient on July 6, 2015, I explained the above situation. I spoke with a woman named [redacted], reference number [redacted], regarding this discrepancy. She informed me an investigation would be sent out.

On July 7, 2015 I was sent a new contract from Navient dated July 6, 2015 not with an explanation, but stating:

"We're pleased to service your student loan(s) on behalf of the Department of Education. Your request for an

Income-Based Repayment (IBR) plan on your Federal Family Education Loan Program (FFELP) and/or Direct

Loan program (DL) student loan(s) listed below has been approved.

Your monthly payments will be $379.16, beginning on 08/04/15 and ending on 06/04/16."

A) The Income-Based Repayment (IBR) is not the payment I signed up for. I signed up for Pay As You Earn (PAYE) repayment plan.

B) They did not address my issue, they only changed the payment amount. No explanation of why the payment is now 158.34 per month greater than the original contract that was sent.

I called Navient again today, July 14, 2015. Explained the above situation up to current date. Spoke with several representatives, and a representative that told me he was a supervisor, [redacted], (which later I confirmed was not a supervisor when I spoke to a different supervisor), I was told there was nothing that can be done and that my estimation of loan repayment according to the Pay As You Earn plan is 379.16. They ignored their initial statement they had sent to me, saying there was no way to honor the original agreement. I again repeated the issues with clarity in the original document and how:

A) The original document states my monthly payments from July 4, 2015 THROUGH June 4, 2016 as being one amount (220.82).

B) The same document lists EACH ONE of my loans and states that this payment (220.82) includes ALL these loans.

C) The same document does NOT warn or give any slight indication that the loan repayment listed for the year could change at any time.

D) The same document DOES state they will let me know when my repayment plan is up for renewal at the END of my repayment cycle (June 4, 2016).

E) How this information presented to the customer is misleading and gives NO indication that there is a possibility for change, which there should NOT be as it is renewed on a yearly basis and should not be renewed on a random whim by Navient.

I was given a response how there was nothing they could do. They stated that on there end that when they recalculate my loans at this time, with no change in income, the number states 379.16. They then told me I could change my family size from 1 to 2 to include myself and my fiance, who lives in the same household, in order to decrease my payments to approximately 327/month. This is 117 more than originally stated to me, but 52 less than the amount they are refusing to budge from. If I were to pay 379.16 per month, this would equate to a loss of 1741.74 over the course of the next 11 payments compared with the original payment amount.Desired Settlement: The desired outcome is for Navient to honor their original contract sent to me for a bill of 220.82 per month from now until June 4, 2016 as originally agreed upon. Additionally, it would be beneficial for ALL future customers of Navient to have FULL clarification on these documents and for Navient to only send a letter of contract for specified payment period (ie: July 4, 2015 to June 4, 2016) ONLY if they have all information and will not forgo payment amounts as they please.

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 23, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I am currently paying off my student loans through a payment program. Every month the 300 dollars is pulled directly from my account. I have been sent a delinquent notice although the payment was taken out on 12/14/14. I have received numerous automated phone calls but I have been unable to get someone on the phone. I emailed the company, and received an email stating my payment had been processed but my account is still listed as delinquent. There is no option to send an additional email back and it is the only way I have been able to contact someone. I would like this resolved as soon as possible.Desired Settlement: I would like my accounts to show they are fully paid.

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 13, 2015. Please allow sufficient time for postal delivery.

12/30/14- attempted to call three times. First two times, received Verizon error messages saying the phone number had changed. Checked website and same number was listed as was dialing, called the third time and it worked. I went through the automated system to discover a 16-20 minute wait and followd prompts to be called back. When called back there was still a 6 minute wait on hold reported by the automation. Spoke to employee [redacted] regarding poor experiences with Navient since September. Was informed by employee that Supervisor had provided incorrect information at last phone call and that a previous employee had put a hold on my account which was also incorrect and that he had to remove this hold. Employee informed me that the letter (that supervisor had previously told me was acceptable for proof of income) was not an acceptable form of proof of income and that the date was not changed in the system resulting in a past due amount on my account. This employee confirmed receipt of the letter sent and informed me that it was not sufficient as proof of income unless I was not currently receiving an income. He also confirmed that no adjustments had been made to my account and that he was unable to put an administrative hold on my account as another employee had done in the past despite the many instances of incorrect information. This employee reported that the only way to make a complaint was to speak to a supervisor however the complaint would involve a supervisor so it needed to be put in writing and sent to Navient. He reported that the calls are recorded as well and that he was unable to provide me with names/ID numbers of the people I had spoken to previously to complain about them providing incorrect information. I inquired about the many issues occurring since my Sallie Mae loans had non-voluntarily been changed to Navient and discussed how to change my loans to another lender since Navient was not providing an acceptable service to me. He informed me that this process would take 60-90 days through the Department of Education. I then worked with this employee to put a 4-month forbearance on my account in order to provide me with enough time to make this change. I was informed that this forbearance would erase any past due amounts on my account and that their would not be any penalties. The next payment due is set to be on May 21, 2015. I informed this employee that I would be contacting a lawyer, my accountant, The Revdex.com, and The Department of Education surrounding my dissatisfaction in working with Navient.

12/29/14 (Sunday)- I checked my statement on the website to find that I now owed a payment of over $1,600 was due with the past due amount of around $818 meaning that no adjustments had taken place on my account as the supervisor had stated would take place. As today is a weekend day, I was unable to contact Navient until the following day.

12/28/14 (Saturday)- I received another letter in the mail stating that my income based repayment application was missing the necessary proof of income.

12/15/14- Received a letter stating that the information provided for proof of income was missing from application for income based repayment. Meanwhile, my payment is due on 12/21/14(less than a week away with an upcoming holiday). I then called Navient, which prompted me with a 1-2 minute wait. I followed prompts to wait on the line and the automation then reported a 6-8 minute wait. I then spoke to an employee, who reported that the information provided by previous call taker was incorrect. I requested to speak to a supervisor. I was on hold excessively during this attempt to contact both with the caller and to transition to speak to a supervisor. The supervisor reported that she was sorry for the misinformation and that they would need my pay-stubs. I explained that I am ending my employment with my current employer on12/31/14 and that the individual who I would get my paystubs from was on vacation until the new year and I would no longer be a employee when she returns. I reported that I would be starting a new job on 1/2/15. The supervisor reported that I could write a letter to Navient stating my current income and that this would be sufficient for proof of income for the income based repayment and that if it was received prior to 12/28/14, the loan payment would be adjusted accordingly based on my income. With ending this phone call, I immediately wrote the letter and both faxed and mailed the letter to Navient on 12/16/14.

11/3/14- Spoke to an employee about non-receipt of requested applications and expressed frustration. Employee placed a hold on account so that no payment would be due and re-sent the paperwork. He reported that he would send this twice in order to ensure it was delivered. Employee discussed application process with me and reported that I would just have to fill the paperwork out and return it. He reported that no proof of income was needed, as it would populate automatically with information provided via my last tax return. I received both sent applications and filled them out and returned them to Navient the same day as receiving them.

10/20/14- I spoke to an employee regarding not receiving paperwork and re-requested application to be mailed to my home. I then verified my home address with the employee and was assured it would be mailed out(application was never received)

9/17/14- I spoke to an employee about repayment options and requested income based repayment application to be sent by mail to my home. (this paperwork was never received)

2011-2014 (Prior to Navient) I had ZERO issues with Sallie Mae managing my loans, with being provided with correct information, or with receiving requested documents.

Review: I settled a loan with Sallie mae . I was to make 40 payments of 140dollars and zero cents , per month ...my payment confirmation comes from navient and I am being charged interest I have many people telling me I am not supposed to be charged interest on a settlement . Navient also informed me that they have not received the ninth Payment of ten which I have proof of .I'm not satisfied with the answers or lack there of from either company,Desired Settlement: I sent proof of all 10 payments which I made . Totaling 1,400. To date why interest was taken out if I agreed to 40 payments of 140.00 is beyond me

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on August 18, 2015 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 signed up for their reduced interest rate program through their representative EIS and they are not abiding by the terms of the contract. I have made several complaints with EIS and they have done nothing. I need help getting them to fix this situation. ThanksDesired Settlement: They need to charge me the agreed upon interest rate and credit the money they have taken to my principal balance.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on January 5, 2015, and we are working with the customer directly to resolve the issue.

Review: I gave my credit card information and the lady ran my card. She then told me that she did not receive a confirmation number and she'd have to run my card again. She ran it another time and it went through and gave the lady a confirmation number. I then looked at my bank statement and notified that it charged me twice. One payment has posted but the other is pending but it still charged my account. I notified Navient of the error and they said if the charge had not dropped off and the money returned to call back and they would refund me. They will not refund me.Desired Settlement: The money to be refunded.

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 29, 2015. Please allow sufficient time for postal

delivery.

Review: NavientP.O. Box 9720Wilkes-Barre, PA 18773-9720To Whom it May Concern:I have received the enclosed letter from you. Please note that I am not aware that you are takingcare of my student loan account. In fact, quite the opposite. You continue to call my cell phone, although all unknown numbers are automatically rejected. Since I didnt know who you were or are, I did phone back to see why you were calling on a daily basis and who you were.At that time, she informed me that Navient has taken over Sallie Mae, and that my student loan was past due. That is intolerable.The last communication I received from Sallie Mae was that my student loan was in deferrment until December 2014. I have never received legal notice that it was taken over by Navient. I specifically requested during that phone call that I receive WRITTEN notice of that and that all business is to do done in writing, not by email, or phone. Why would I just start sending payments into a company that I dont even know if it exists it could be a total scam; there are hundreds of them online.Here is what needs to happen:1. IN WRITING, I need legal notification that Sallie Mae no longer represent my student loan.2.IN WRITING, I need legal notification that Navient is now representing that student loan, andand why. Did Sallie Mae sell the loan?3. If everything is legitimate and the loan is now activated, I need WRITTEN notice of that. Why didnt I receive this from Sallie Mae back in December? 4.The account needs to be reset and be current without forebearance, etc. where you simply charge me more money. You must follow the guidelines of the law. You cannot send me a past due bill out of nowhere. Please respond IN WRITING. I dispute this debt due to reasons stated above. I dont know who or what Navient is. This is my second request to receive documentation IN WRITING.Desired Settlement: Here is what needs to happen:1. IN WRITING, I need legal notification that Sallie Mae no longer represent my student loan.2.IN WRITING, I need legal notification that Navient is now representing that student loan, andand why. Did Sallie Mae sell the loan?3. If everything is legitimate and the loan is now activated, I need WRITTEN notice of that. Why didnt I receive this from Sallie Mae back in December? 4.The account needs to be reset and be current without forebearance, etc. where you simply charge me more money. You must follow the guidelines of the law. You cannot send me a past due bill out of nowhere. Please respond IN WRITING. I dispute this debt due to reasons stated above. I dont know who or what Navient is. This is my second request to receive documentation IN WRITING.

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 3, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: Hi,

I would like to request a goodwill forgiveness. I have 4 late payments reported over a 10 year span. 2 were reported recently while having loans consolidated. I requested a forbearance and while going through the the process I was being reported to the credit bureau. I would like to have the late payments removed from my credit report. I also see the original amount borrowed was less than 10,000 dollars and I now owe over $23,000 due to interest accruing while in school. It has more than doubled. I would like to know if there are any loan forgiveness programs or anything I can do to lower the interest as there is more money being paid in interest than the actual loan amount.Desired Settlement: I would like the 4 late payments removed from my credit report as I was in forbearance with other loans and consolidation as well as find out if there are offers available for student loan forgiveness or if there is anything I can do to lower the interest that has accumulated on the principal balance.

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 9, 2015. Please allow sufficient time for postal

delivery.