Navient

Review: I started receiving calls from this company on 7/6/15. The message I received said they are looking for a [redacted]. I do not know this person so I called them back and let them know they had the wrong number for him. I have since received 45 phone calls and messages. I have called them 4 times letting them know I am not who they are looking for. I am tired of receiving calls from them. When I call them they ask for my information like name address etc. I give them my name but I am not going to give them all my information. I do not have loans or anything else through them. Before the harassing phone calls I didn't know they even where a business. I want the phone calls to stop. Today alone I received 3 from them.Desired Settlement: I just want the calls to stop. I have tried to get them to stop on my own and failed.

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 1, 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: In October of 2012, I was offered the opportunity to settle a debt with Windham Professionals, Inc (the collection agency for Sallie Mae and Navient). September 20, 2013, I completed my payment agreement and got a confirmation letter that my final payment had been accepted. I also was mailed a letter confirming this. In January of 2015, I was mailed a 1099-C for tax purposes. I called on 2.3.15, and spoke with Sandy, who after research told me that I should disregard this notice as I had paid off the loan in 2013. She advised me that I would be getting a letter and corrected 1099-C. On 2.5.15, a letter was mailed from Navient. The letter indicated that it was unable to discuss my loans and I would need to call 866.291.4403. I called on 2.18.15, to which I spoke with another representative, to which I was disconnected. I called again on 2.19.15, and was told that the 1099-C was indeed correct. After much go-around, I was frustrated as the 1099-C should have been for 2013 (which is when I paid off the loan), not 2014. The representative advised me that I could dispute the information and gave me an email address. I told her that I did want to dispute it, I wanted a correct 1099-C. One for 2013 when the loan was paid as opposed to 2014. I then asked what date my loan was paid off. She stated 9.20.13. She then told me that there is a process after payment is made from 30-90 days. I told her that at 90 days that would be 12.20.13. She stated that I should have known that I was going to get a 1099-C. I advised that I was never told that I would be getting a 1099-C, nor that it would take almost 4 months to complete my settlement.

This has a huge tax consequence for me for not getting the Settlement completed in a timely manor.Desired Settlement: I would like for Sallie Mae/Windham Professionals/Navient to have a process of completing their process in 90 days or less. I also wish for them to disclose this, along with the Settlement disclosures to include the tax penalty for a settlement. Additionally, I am requesting the difference in the consequences of the tax ramifications between year 2013 & 2014.

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 26, 2015. Please allow sufficient time for postal delivery.

Review: I am the cosigner to my brother's student loans. It was advised to me by Navient to pay the student loans on behalf of my brother to not only ensure my credit score does not take a toll but after a year, a cosigner release form can be submitted. It has always been recommended that payment be made via the Navient portal which is advertised as the fastest, quickest, easiest way for payment. This was discussed amongst my brother and I that he would diligently give me payment each month (he has no checking account) and I will ensure I process via the Navient portal. The reason this has been so important is because this loan I cosigned for is hindering me from purchasing a home. Now that a year is up and the cosigner release form has been submitted, of course Navient goes back and changes the entire story. They tell me they will not release me from these loans, my brother is not credit worthy and how do they know if he was really paying and it wasn't me for the past year?? So basically Navient told us everything we wanted to hear to ensure they got money each month. Now that it is time to release me from the loans they just blew me off. I called and spoke with a supervisor by the name of [redacted] (#[redacted])who was the nastiest rudest person ever. Of course I am upset about this "denial" because Navient deceived me into thinking it would be no problem to release my name from this loan I cosigned for after a year as long as payment was received. The entire time I was on the phone with [redacted] she advised me to be quiet and listen to her and not interrupt her. She did not say anything that made sense and was completely opposite of what I was told a year ago. She spoke to me as if I were her 5 year old child. She told me not to raise my voice to her, to not yell at her and to be quiet and listen while she speaks. She was the one doing the yelling because I wasn't allowing her to blow me off and feed me bs like Navient has been doing this entire time. [redacted] went as far as to tell me she could not discuss anything with me because I am a cosigner however, I had a surprise for her because my brother was sitting right there the entire time. He got on the phone and she still didn't say much of anything that made sense. She basically wanted to speak and expected us to not question her. It's funny because Navient always tells me they cannot give me any information on loans I cosigned for but they never question taking money from me.Desired Settlement: I feel Navient has no reason to NOT release me from the loan I cosigned for. I did everything that advised me to do over this past year. All paperwork was submitted as requested. I did everything that Navient asked of me as this has been holding me from purchasing my home. I feel they should stop telling lies to get payment from people. Stop deceiving people to get what you want then when it is time for Navient to live up to what they are suppose to deliver you get a completely different story. This company is full of crooks and they are definitely taking advantage of people. Navient is ruining my life and my goal to become a homeowner.

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 9, 2015. Please allow sufficient time for

postal delivery.

Review: Hi. I'm writing to the Revdex.coms to file a complaint against Navient for failure to do their due diligence in the best interest of their customer. That is, I've spoken to a supervisor on the telephone more than once on a different day and month to ask Navient to investigate and determine why does this error continue to occur whenever they process my monthly payments. Basically they're constantly having issues with posting the correct payment amount to my account each month. In accordance with my payment history, I've noticed these discrepancies over a five to six year span. So this has been a nuisance for me at least since the year 2010.

The crux of the matter is, I pay a total amount of $150.95 a month toward the principle balance of my federal student loans. My method of payment is a money order by standard mail. In addition, I include a detached coupon (like a billing statement) in the plain envelop with the money order that clearly shows the specific month and total amount due for that month. However, Navient will somehow neglect to acknowledge their own coupon that was issued to me by mail by them for this purpose. Moreover, Navient will make excuses for why they've posted an incorrect payment amount to my account. When this happens, I always notify Navient by telephone but I never get the benefit of the doubt. That is, my account will show the payment amount of $150.25 as opposed to $150.95. So my account will read that I owe .70 each time that this error occurs, but I don't in fact owe Navient anything. Because I always pay the correct amount each month. Subsequently, Navient will make the correction to my account, but I never get an honest explanation of why this randomly happens to my monthly payments every now and again. I mean, it's frustrating to me whenever I need to contact Navient about this matter. That is to say, the repetitive conversations that I've with each supervisor each time that this problem occurs is tedious.Desired Settlement: My desired settlement is for Navient to prevent this error from happening over and over again. I mean, this issue has been going on for far too long. Don't assure me that this will never happen again and it continues to be a problem. Because I've done nothing wrong, nor have I done anything differently from what I've always been doing when I mail my payments now and in the past. I'm sick and tired of needing to speak to a supervisor on the telephone to resolve a problem that was no fault of my own to begin with. Therefore, I expect for Navient to review my payment history and decide on a solution to resolve the problem in a prompt manner. Because I shouldn't have to change my preferred method of payment in order to appease Navient. That is, I've always paid via a money order and it didn't create a problem early on during my repayment period. Furthermore, it's my right and my choice to have options for making a payment to Navient. And it's my decision to choose the appropriate option that's right for me.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on April 7, 2015 and resolved the

issue with the customer.

Review: I co-signed a student loan for my son many years ago. Now my son, who is unable to work because of medical reasons, cannot pay anything towards it. I retired from the government a year ago and my income has decreased significantly since then. I have spoken with Navient several times in just the last month, the last time being March 9th. I was told by [redacted], at that time, that I was eligible for a "hardship" loan based on my monthly debt and income. I gave them all this information in good faith - I included everything that I pay. My son, [redacted], also sent his monthly income that he receives from state aide. [redacted] estimated a payment of about $314/month for the next 15 months and the loan would become "current" after the first three conscecutive payments. However, it needed to be approved by the "Senior Vice President".

Today, when I spoke with [redacted] I was told I did NOT qualify for a hardship loan and the payments would be $511/month. I told him that was not my understanding from our previous conversation or is it even an option. I asked him to take it back to the "Senior Vice President" with my explanation and ask him again. I was then told the "Senior Vice President" only reviews loans "one time" (THIS WAS THE FIRST RED FLAG). He then, turned me over to his boss (Amber). After explaining it all again to her, I was told I did not qualify for a "hardship" loan because I was given one previously and "you can only have one" (I wondered why I was told I DID qualify for one back on March 9th?). THIS IS THE SECOND RED FLAG. I asked again to speak to the "Senior Vice President" and got nowhere. I am getting mixed information and am now beginning to wonder if there even IS a "Senior Vice President". It appears that a "bait & switch" plan was used to lure me in and then raise the payment, which isn't illegal but IS certainly "unethical".

I am 67 years old, still paying on a mortgage, credit companies, health insurance and auto loans, in addition to any monthly expenses for utilities, gas, food, etc. I do not have a monthly allowance for any kind of entertainment, dinners, movies, etc. I did not expect to be in this position when I retired but circumstances change. I understand as a co-signer, I agreed to pay on this loan, if the borrower couldn't. However, the amount which Navient is asking for would make it impossible for me to function (unless I stopped eating or buying medication altogether). They believe [redacted] should be able to come up with the difference but he is only getting a small amount of state aid and he and his wife & son are living with her uncle in another state. There is NO money they can contribute towards this. Navient doesn't seem to care - they just want their money. VERY RUDE AND NO UNDERSTANDING TOWARDS MY SITUATION.

I have been going back and forth with this company for a very long time. It is to the point, where I feel I am being harrassed. Today, I was told if I could not make the payments they require, the loan will be turned in to default. This is the last straw - if this happens, a lien may be put on my home - my family home where my wife & I raised our three children. If this isn't harrassment, what is?

P.S. When I retired, I was given a monthly severence pay for one year. I was able to save a portion of this in my savings account and have this earmarked to have a new roof installed on the house in the Spring (it is in desperate need). The amount in the account isn't even enough to cover the final expense. I explained all of this to Navient back on March 9th when I sent them my last two months bank statements and they seemed fine with it. I even sent the roof bid so they would know I was being completely honest. IF a new roof isn't installed soon, there will be other, more costly maintenance needed.Desired Settlement: I would like Navient to stop harrassing me and my family. This is very stressful on ALL of us - neither my wife or I are in very good health. I told them I would be willing to pay the $314/month but no more. If I pay this amount, I want to make sure the money is going towards paying down the loan and would like the loans to become "current" after the first three payments - meaning this debt will show current on my credit report. THIS IS THE DEAL THAT WAS OFFERED TO ME BACK ON MARCH 9TH.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on April 1, 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: This email concerns my student loans, which are serviced by Navient. Several months ago, I decided to review my credit report and surprisingly noticed several late payments ( 60,90,120) that were reported on all major reports dating from 2009. Consequently, this caused concern primarily because during this period my accounts were either in deferment or forbearance. In addition to this, I decided to go back to school during that period to pursue an additional degree.

After reaching out to customer support, I was informed that my forbearance/deferment did not prevent the derogatory marks from reporting, which conflicted with statements made by the representatives assisting with each forbearance request originally. In fact, I specifically asked the representative if proceeding with the forbearance would prevent items from reporting and was told “absolutely, since your account would be brought back current.” In addition to this, recently one of your representatives informed me that since my school did not accept federal title IV funding that I wouldn’t be eligible for a backdated in-school forbearance during those period. Understandably, this was very disheartening news since I felt that I had done everything right.

Right now, I feel completely dumbfounded, helpless, and sadden by this situation. It is not a good feeling to have items reporting on you credit, which you feel are not warranted. Frankly, if representatives would have explained my options better several years ago, I strongly feel the the outcome would be different. I understand your policies, however I am kindly requesting that the derogatory late marks on my credit reports be removed. This miscommunication of information has caused confusion and frustration, hence I simply seek a fair resolution.

Thank you in advance for your assistance.Desired Settlement: Removal of late marks.

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 17, 2015. Please allow sufficient time for

postal delivery.

Review: I initially contacted SallieMae to take out a student loan for myself when I found out that a loan had already been taken out under my social security number. This is my first attempt at taking a loan out for myself, therefore I came to the conclusion I am a victim of identity theft. I called SallieMae and they told me to send in my birth certificate and social security card. I did those steps and then I was told to contact their fraud department I called every single day for 2 weeks. I could never get anyone to answer or I would be told to hold and they would be back with me shortly. I have yet to have any resolution or take the next steps in solving this. I can't attend school next semester because of this.Desired Settlement: I would like to be contacted by SallieMae to get this resolved so I know what legal actions will need to take place to protect and restore my identity. Also, so I can continue my college education.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 2, 2014, and we are working with the customer directly to resolve the issue.

Review: I have 6 loans with this company. I have borrowed money from Sallie Mae to help pay for my children's collage. I make my payments every month and on time. They cash my checks and I have the canceled checks. Every month since October of 2013 they call me and tell me I'm delinquent. I have to call and explain they have cashed my check and applied it to someone else's account. Every month I'm spending between 1/2 hour to 3 hours with them on the phone to resolve there mistakes. It is a crazy waist of my time as I try and protect my credit rating!

They are the worst run company in the USA

Please note that each month I escalate my call to a supervisor at Sallie Mae and ask them to but my complaints in the computer plus do an investigation. They promise some will be calling me to straiten it out - I HAVE NEVER BEEN CONTACTED AND IT"S BEEN GOING ON FOR OVER A YEAR!Desired Settlement: 1) Fix their system

2) Stop bothering me

3) Pay me for all my time - I make about $400.00 per hour and they owe me about $12,000 in my time spent.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 3, 2014, and we are working with the customer directly to resolve the issue.

Review: I have a n student loan with Sallie Mae and they are now using Navient Solution as an collection agency. I contact Sallie Mae a week before the harrasing phone calls started I call to have my student loans deferred because I have started back going to school, the person that I spoke with at Sallie Mae deferred my student loan which means that while I am in school I do not have to pay this loan back, intill I complete my degree. I have been receiving ten to twelve calls a day from this company for over a month now, when I answer the phone to explain to them that I have contact someone from Sallie Mae and had my student loan deferred and that calling me several times a day for weeks is harssment and to stop calling me, and to continue calling me is a violation of my civil rights and harrasment the collection agent told me that they will contiune to call as many times as they feel like intill I pay my loan. I told them that I know that they record the phone messages and that I will file a complaint and lawsuit against them for harssment.Desired Settlement: I would like for the harrasing phone calls to stop

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 2, 2015. Please allow sufficient time for postal

delivery.

Review: Before my loans were taken over by Navient, they were under [redacted]. Under both companies, my payments (which have been made on time and in the full amount shown due on my statements) have been misapplied across my three student loans for the past 5 months. I have had to call every single month after receiving their automated 15 days past due letter via email and each time spend at least 30 minutes (sometimes close to an hour) on the phone to correct it. The most recent happening was when I called on 11/11/2014 to once again request the funds be correctly allocated on my loans. The supervisor I spoke with assured me it would be done, however, on 11/19/2014 I received another notification that the loan is still past due because it was not corrected as they assured me it would be. Each time, they try to convince me to just do automatic payments from my checking account, but I refuse since I cannot trust the company to correctly allocate my payment, I will not trust them with my bank account information. Navient blames the mistakes on how I send in my payment. I pay through my online bill pay, referencing the same account number as shown on the e-statements I receive from them. The numerous phone calls, time and follow-up on my part has been extremely stressful and I have yet to find a member of the Navient staff that recognizes this as a problem in their system.Desired Settlement: I would like to receive the .25% loan rate discount on my three loans as would have been received if I was set-up as an autowithdrawal. I would also like to have my account monitored by a member of the Navient team monthly until they are able to fix their system. I should not have to call in every month and spend an hour on the phone to resolve an issue that is their mistake.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on November 20, 2014, and we are working with the customer directly to resolve the issue.

Review: We receive messages about the account asking us to log in and are never able to log in. We have asked for an update on the status of the account (this is a student loan) and we cannot get any information. They continue to ask for payments but do not provide an accounting of how the payment is allocated--how much to principal, how much to interest.Desired Settlement: We want to know the status of this account and we want to be able to talk to a live person. Efforts to navigate their phone system have never been successful.

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 10, 2015. Please allow sufficient time for

postal delivery.

Review: I need a refund for a misapplied payment.

I made a 313.13 payment on 1/9/14 through [redacted] Billpay to Navient and it may have mistakenly went to US Dept of Education. It cleared on 1/13/14. It should have went to Navient. I tried calling directly, but a message saying my hold time is ten minutes repeated for 65 minutes and I couldn't reach anyone.My account # with Navient is [redacted]Desired Settlement: Send refund ASAP if this was mistakenly sent to US DOE.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on January 28, 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 and the school keep sending deferment. they won't accept it although completely valid. They are FALSELY all over my CREDIT FOR FRAUDULENT REASONS. THIS DEFERMENT IS GOOD AND THEY KNOW IT!!Desired Settlement: DesiredSettlementID: Other (requires explanation)

GET OFF MY CREDIT REPORTS.

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 26, 2015. Please allow sufficient time for postal

delivery.

Review: My student loan was transferred from Sallie Mae to Navient. I pay my electronic check so I changed the name from Sallie Mae to Navient and included the Navient account number but the address was still Sallie Mae. The check was cashed on November 24th and indicates apply to the correct account number. Navient customer services reps started calling me about payment. I explained to them that I had made the payment and that's when I realized the address was still Sallie Mae but the payer and account # was correct. They assured me that it would be taking care of. They continued to call me and I repeated what had happened several times. I was frustrated as the calls continued and called back, the lady I spoke to looked into it and said they payment had not been transferred and she would make sure it was taken care of. In the meantime I went on their website on December 5th and uploaded the front of my check. The calls continued. I received a request on December 30th for a copy of the back of my check. I mailed a copy of the front and back of the check on January 5th and I still have not received any feed back from Navient. I have wasted many hours dealing with this issue and my account still shows over due. I have very good credit and I'm concerned that this will affect it. I've stated that to the numerous people I've spoken to and they've assured me that this will not happen. I have no faith in Navient at this point and I don't know what else to do in order to get them to post my payment. I've never had problems with any other loan servicer like this. I'm extremely frusturated as I've told them verbally and in writing via e:mails. Please let me know what I can do to resolve this.Desired Settlement: I want my November 2014 payment posted and my account brought up to date. I want proof in writing that this has been done.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on January 26, 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: My elderly mother, 81, co-signed for 3 loans for my son in college. She is paying the interest on 2 of the loans while he is still enrolled. The other loan was set up for deferred payment. We have gone back and forth and in and out with this company. We have dealt with unauthorized bank account debiting to payments not being applied to accounts correctly. Recently on May 12, 2015 we were contacted by a collections agent for Navient, [redacted], to set up arrangements for the "delinquent" accounts because all of my mom's payments were being applied to only one loan. We were given three options and we chose to pay the $50 forbearance for the two outstanding loans which we were told would bring us current and then we could start making the payments in June as agreed. We paid one $50 only to be told later that EACH loan required $50 to acquire forbearance status. Therefore, we paid another $50 for the other delinquent loan. I went in to manage the account for my mom and to make the payment for June and the two accounts still showed past due in red. When I called to discuss this with the representative, [redacted], he told me that there had only been one forbearance payment of $50 and that was applied to the loan which we were told was not delinquent! I explained that this cannot be possible; there were two separate $50 payments and that we were told they would be applied to the delinquent accounts to bring them current. He states that the other loan was delinquent as well. He asked for yet another $100 to clear the delinquency. I refused and asked to speak to the account manager that originated the deal. He stated that she was in another department and that he was in the collections department. I informed him that so was she! He would not allow me to speak to the original account manager and insisted that my written documentation was incorrect. (the documentation was printed from their website!) I left him with a few choice words and told him that I was going to follow the deal as scheduled and make the payments as agreed. I made the payments today and set up my mom's account for recurrent payments of the same amounts. We are all FURIOUS!Desired Settlement: We want our account credited correctly! [redacted] told us that it's not his fault that the monies have been applied incorrectly and documentation is false according to "my" records. We paid that money and we have bank receipts to prove it. We want the two $50 payments that we made in May to be applied as forbearance to the delinquent accounts as previously agreed in May so that the accounts show current and not delinquent! My mother is paying on these accounts and has been as well as my son when he was out for break. The harassing phone calls must stop as well as the misrepresentation and misdocumentation of accounts!

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 16, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I scheduled a payment on their website for a past due amount of $63.54 and received a confirmation of that amount. Today I checked my bank balance and discovered they had taken my payment and two additional, unauthorized payments totalling $174.91. I called right away to see why they had taken unauthorized payments out and they told me I had completed 4 payments online. I managed to speak to a supervisor who told me it was their policy to take not only the past due but also the next month's payment as well. When I questioned why I had received one confirmation screen showing the payment amount I made and no other warning of an additional payment she stated it was my responsibility to check pending payments after I submit a payment... Apparently, to make sure they didn't 'create' a few for me! They said they'd return PART of these payments in 10 business days. I'm overdrawn and frustrated.Desired Settlement: After reading numerous complaints regarding duplicate and/or unauthorized payments resulting from either their terribly flawed website or their unethical billing methods, I feel they should fix their web issues to prevent payment problems. Also, when an error occurs I believe it's reasonable to resolve a payment return issue in less than 10-14 business days. It's unreasonable to have a system issue force people to live without money for weeks. Half the time I can't even pay over their website. When that happens they charge a pay by phone fee that they won't waive for any reason! Please have them fix their systems. Their practices are hurtful and unfair.

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 26, 2015. Please allow sufficient time for postal

delivery.

Review: I applied for a consolidation loan for my federal loans. I have two loan providers AES & NAVIENT DEPT OF EDUCATION. All loans have been received except the one from AES. AES indicated they sent the pay off information on 11/3/2014, as of today 02/4/2015 NAVIENT states they have not received the information. NAVIENT has been continues to change their responses each time I call. After explaining several times that that AES submitted the information electronically, a NAVIENT manager responded "oh, that explains it did not realize they do not submit information that way & we have had issues before". This statement was extremely frustrating because I explained to multiple employees over the course of 3 months AES process. I was informed that the employee would research this information & could take several days. It has already been over 90 days. This is extremely unprofessional & has been an emotional & frustrated situation as this could effect my job.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want my loans to be consolidated ASAP as this has far exceded the time process. Since I was repeatedly informed that information was sent, I did not make a payment. I want Navient to accept the full amount of loan including late fees. I want my credit report to be amended as this not my fault and have tried repeatedly to amend this issue.

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 19, 2015. Please allow sufficient time for postal

delivery.

Review: I have contacted navient for 12 days now about two amounts that I did not authorize for them to take out of my bank account, every person I have talked to gives me different Information that is not even true. When I made the 2 payments that I owe each month, I got confirmation numbers for both of them. And when I called the back and asked for the other 2 confirmation numbers to the two unauthorized amounts they had none for them. My bank primetrust has also informed me that navient themselves took the other 2 amounts out.Desired Settlement: I would like my money back on my account, and also for them to be held accountable for theft.

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 19, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: When my loan was with Sallie Mae, I entered into a repayment plan and my checking account was automatically debited each month on the 20th. Since Navient took over my loan I have had nothing but problems. I get collection calls and my credit is being effected. I have called on many occassions to resolve the matter... each time I am told that my payments have not been applied right, they "fix it" and there shouldn't be anymore issues. And then the next month happens.

Under Sallie Mae's system, even with the due date on the 7th because I was in an automatic payment program nothing was negatively affected. However, Navient cannot seem to get anything right. I get an email each month that my payment will be taken out according to my plan. But I start getting collection calls about the 15th of each month and my credit report reflects that I am behind. My payment still comes out each month on the 20th without fail, but everything else is messed up.

I am tired of calling and talking to people who cannot really fix the issue.Desired Settlement: I want all my past payments to be reapplied properly and my account brought current. If I make my payments each month, Navient should be able to get it right too. Navient should fix my account so that it shows I am current every month AND fix my credit report. I should not receive any further collection calls.

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 29, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I have contacted Navient several times concerning validation and account confirmation regarding 120+ day late report I am receiving on my credit report. My name is '[redacted]". They have a "[redacted]" on my account. Again, I have given my correct information and data several times in order to have them correct my account. This has gone on for several years...

Note: This account was transfered to them through Sallie Mae which divide multiple accounts to Fedloans. There are NO late status listed with Fedloans only Navient.Desired Settlement: I want these negative items/information removed from my account and credit report... ASAP!

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 30, 2015. Please allow sufficient time for

postal delivery.