Navient

Review: I wanted to pay off my student loans. I have about 20k in student loans and they are split up into two separate loans in Navient's system. I wanted to pay one of them off and lower my payment. They said I could not do that because I consolidated my loans. I said why not because they are listed separately and you are taking interest from both loans. I complained and they said well you can write a letter to us and we can pay off the loan if you indicate on the letter which loan you would like to pay off and attach check for the correct amount to pay off the loan. This could not be done by phone for whatever reason. So I asked them what I needed to write on the letter and asked for the address that this needed to be sent to. They gave me the information and I sent the letter with the check for the remaining balance that was due.

I checked my bank account and noticed that check I wrote for paying off the school loan was taken out of my bank account. Then I checked the remaining balance online on Navients site. The balance did not change on the status of my loans. I called to see what the problem was and the first representative had no idea. She had to call me back and let me know. I was on the phone with her for an extended amount of time. She said that the check was sent to the wrong address. The check was cashed by a different department in the Navient company. I then said just transfer the money over and pay off my loan. She said it was not that easy. She said the check would be refunded in 2-3 weeks and then we can re-visit paying off the loan. I was not happy. The check was for just under 5k. Then I called back after 3 weeks because I did not receive the refund. They said oh yeah it will get to you in 4-6 weeks..... well the original check was cashed on January 14th, 2015 and I still have not received the refund! They said they would back date the payment, but this is ridiculous and something needs to be done.Desired Settlement: I want my loan paid off that I wrote the check for.

I want a refund of the interest I paid for because I am still making payments on the loan I tried to pay off.

I want a credit on my account for all the trouble and time that I have spent on this.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on March 30, 2015. Please allow sufficient time for postal

delivery.

Review: This company has refused an attempt to work out a repayment agreement that I could afford. They refuse to defer my loans without paying $150 which I do not have at this time due to the fact that I am unemployed. They call 10 times a day and are harassing me even though I have spoken to them several times about trying to resolve this issue.Desired Settlement: If they cannot work out a payment plan with me, I would like their harassing phone calls to stop. Either way, I would like the phone calls to stop and would prefer contact my mail only.

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 8, 2015. Please allow sufficient time for postal

delivery.

Review: I was awoken at 9:05PM at night in early April. I was told that I had an overdue balance and I needed to pay it right then and there. I was a little flustered, not only because I was awoken, but also because I religiously OVERPAY on my student loans every week.

After some discussion with the creditor who called me, she agreed to put my account into forbearance due to my being unable to pay right then and there.

What was later found out to be the problem was that the address ON the correspondence letter sent to me by Navient had the wrong address on it for federal loan payments, and when I had switched banks, I set up my bill pay to the wrong address. Silly me, which seemed to be a common mistake considering IT WAS ON THE ENVELOPE.

Despite that issue, and after my first hour long conversation will Navient, explaining what had happened and trying to move forward it was concluded that 7 payments that I had made did not apply to my account totaling $280, and all 7 of them had also been cashed. (Electronic payment was accepted by Navient, at the wrong location)

I was insured that everything was being taken care of and I would receive a phone call by the end of the week.

Two weeks later, mid April.

Still no call back from Navient, I call again, only to wait another hour on the phone explaining myself all over again to a new person about the situation. Only to be belittled and told what the issue was, despite me CLEARLY explaining it at the beginning of the phone call. I was told to fax in, with my Banks letter head, a copy of my statement proving that I payed what I said I did, without giving me a fax number, I pulled up the form submission page on the companies website and uploaded it to there. Once again I was reassured that a ticket had been input on my behalf and someone would call me by the end of the week and I would be filled in on what was going on after they had reviewed my submitted paperwork.

Roughly two weeks later I call back to the same situation, having to explain to another person what was going on. This person found the previous record, but did not have an answer for me. This person once again said they would put in a ticket to have this solved, and I would hear back by the end of the week. If I did not I should have my Bank fax over the requested information.

I called my bank hoping business to business dealings would turn out better.

It didn't, early June 2015

I call back and explain to yet another person the situation, they assured me that if my bank submits the information it would be solved quickly. My bank sends over proof of payment on June 8th, on JULY 13th I call Navient whom doesn't acknowledge my banks proof of payment, however acknowledges the one I submitted on 4/17/2015. Again, after an hour of having to explain AGAIN the situation, being belittled and talked down to the whole time, I am told the same thing. "Someone will call you by the end of the week."

I give it another month, on 8/13/2015 I call again to the same ole story, explaining myself, the situation and the failed attempts to yet another person. This time, I was told the reason it is taking so long is because I keep calling back and they restart my ticket every time. Yet I have not been called back and told not to do that, or even NOT had to explain myself EVERY time I call them. I was told that FORSURE someone would call me by Friday (8/14/15)

It is now Tuesday, and I have yet to receive a phone call, or voice mail message.

Long story short, this is the last time I try to solve this issue with Navient, my lawyer will be involved if this is not resolved quickly.Desired Settlement: I would like Navient to refund my $280, a phone call, and an apology letter from the operations manager or equivalent.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on August 25, 2015, and we are working with the customer directly to

resolve the issue.

Consumer

Response:

Review: I called Navient and spoke with a customer representative regarding late payment on all 3 credit bureaus starting December 2011 thru February 2012. At the time I was in college so the payment should have be on deferment. I was told by the customer representative to write a statement and school transcript then I would be notified by mail in 30 days of the results. I sent the document out on August 6, 2015. I have yet to receive any response from Navient.Desired Settlement: I would a response from Navient in writing and also correction to all 3 credit bureaus.

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: My credit score dropped 30 points when the name [redacted] was changed to Navient. I emailed Navient's customer service regarding the issue and a response email was sent shortly after I sent my original email. Their response email stated that I must submit my concern in writing along with a copy of my credit report so that they can research. I do not see how me doing this will help them to address my concern as I would have needed to print my credit report the day before their reported change of name to the credit agencies affected my credit score. I did some research and several other people have been affected in the same way. I intend to continue to contact them until this matter is resolved and I have a satisfactory response.Desired Settlement: I would like for Navient to contact the credit report agencies and find a satisfactory resolution to this matter such as increasing the credit scores of those whom this has affected. An apology letter would also suffice, in addition to the repair of any damage to credit reports/scores.

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 25, 2014. Please allow sufficient time for postal delivery.

Review: I hold a student loan with Navient Solutions. On many occasions, the check was not posted for more than 2 weeks. And on 2 occasions the check was never posted at all. When I called regarding these missing checks, I was informed they did not have the checks, so I verified my account numbers to make sure it was being sent correctly. The most recent incident, the representative gave me the wrong account number and my bank notified me that the number given was not valid. When I called Navient again, they could not give me reason as to why this happened. Just today I received a letter stating that an electronic check that was sent the 2nd week of July could not be posted because of a stop payment. I was informed about 3 weeks ago that the check was never received when in fact they did have it and did not decided until now to notify me. I find this company to be extremely disorganized, unprofessional and just out right terrible service overall. I do not trust doing business with them and I think they should be investigated immediately. My loans used to be serviced by Sallie Mae but was then taken over by Navient which has been the worst experience I have had with lenders.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on September 15, 2015 and resolved

the issue with the customer.

Review: I am seeking to expedite Navient's credit reporting dispute process.

Because of a corporate relocation, I need to find housing within the next 30 days, but I am not able to obtain mortgage pre-approval or even rental approval because of negative credit reporting which was erroneously made by Navient. I have all of the necessary documentation to prove that the reporting was made in error, so it should be an easy fix. My wife (who has been in contact with Navient on my behalf) was told that settling a dispute of this nature takes up to two weeks. Because of the urgency of the timeline we are facing, she requested to speak with management to expedite the processing of my dispute. When she told [redacted] (manager) that in thirty days if we do not have this resolved, we- and our three children- will be without a home, [redacted] simply responded that she can't do anything to expedite the process. When she asked if she could contact the credit department directly, [redacted] refused to give their contact information.

I have since followed Navient's procedure with submitting the necessary documentation. I sent the package via certified mail, and was notified, through the tracking number, that it was received. My wife called the following day to follow up and make sure the paperwork was received, and to once again request expedition, only to be met with a complete oblivion on the part of the customer service representative, and yet another refusal to intercede on our behalf.Desired Settlement: While I believe a certain level of patience needs to be allowed when it comes to matters of simple human error, we are in an urgent situation because of said error. I would appreciate if [redacted], the Customer Service manager, would take ownership over the situation and press for an expedition on our behalf toward the resolution of the negative credit reporting, so that my family will not be left with nowhere to go. I would like to be notified by phone as to the progress of this resolution, and both via email and hard copy (post) on company letterhead when the negative reporting has been removed.

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: Name: NAVIENTAcct #: [redacted]Credit Limit: n/aDate Reported: 05/31/2015Date Opened: 04/22/2009Balance: $3,981Past Due: $169Acct Status: PAYS 91-120 DAYS

Show Details

Navient holds two of my federal loans. Since they have acquired the loans, every two- three months the loans come out of forbearance, I am on disability all my other loans with other companies I never have a problem with but for some reason Navient keep removing them out of forbearance and reporting on my credit file killing my credit score of 70-100 points every 2-3 months and I am tired of it! I never had this problem until they took over those loans!Desired Settlement: I want them to stop taking the loans out of forbearance without notification and then killing my credit score, this month they have caused my credo score to fall another 70 points and I am very upset because none of my bills are every late!

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on June 9, 2015 and resolved the

issue with the customer.

Review: company employs harassing phone tactics, even after repeated requests to stop. Call at all hours of day, several times a day.Desired Settlement: communicate by mail only, as requested.

Review: I recently changed checking accounts necessitating an update to my automatic debit information on navient.com. After entering my new bank information, I noticed the next day that I have lost my 0.250% interest deduction benefit for enrolling in automatic debit. I called to inquire about this and was told that they cancelled the automatic debit and the new information is pending approval. I felt it is unfair that I have to pay a higher interest rate for almost a month because I changed banks. I never cancelled the auto debit, I simply updated the bank account. The sad thing is this happened 4 years ago when I last switched banks. It took me 5 different calls to finally get everything resolved and I was assured this issue will be addressed to avoid reoccurring in the future. 4 years and a name change later, I am dealing with the exact same issue.Desired Settlement: I want my auto debit active again and want the interest reduction benefit reactivated promptly. For my inconvenience and for the additional interest charged during the bank information update, I believe a $25 credit is warranted especially since this is the second occurrence. I plan on paying my balances off as soon as possible so I do not have to deal with your these unfair practices and inconveniences.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on January 6, 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: As of Oct 20,2014 I was of work due to short time disability. I lost my son(he was murder) so I was out work due to stress and etc. I did not return to work until, May 2015. Well out of work I was not recieving any income. I tried to make arrangement with navienment. I did check my account I did not see where the payment did not clear my account the following month. so I called again the next month to make more arrangement so I made arrangement for the following month. I put the month on a debt card. I was off by 1.00 so when to take the money from the account I was short. on June 30,2015. A lady call me when my grand daughter was in the hospital on that saturday.I told her I call make payments 150.00 amonth. that was in july 2015 . She said that she was going to reach out to my cosigner. So on Monday I call her back.She said she has not her from my co signer. So I waited for her to call. So I on July 21, 2015 at 6:21pm I call and the lady told me my loan was move again and she was unsure why. On August the 8th I get a letter from the collection trying to collect the full amount. That is why I am writting. I just feel that this company was never willing to work with me. I have explained over and over. I just started back working.Please see what you can do resolved this issue with this compnay.Desired Settlement: I will like this loan remove out of default, this company to work with 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 August 17, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I filed for a loan consolidation https://studentloans.gov/myDirectLoan/viewCompletedLC.actionthru The application was completed and the loan packet consolidation was sent to Sallie Mae on 09/10/2014. Sallie mae stil has not consolidated my loans, my loans are now in collection, past due and is also reporting to the credit bureaus as delinquent . I wanted to know as to why after 7 months as to why my application for student loan consolidation has not been processed.

Product_Or_Service: loan consolidation

Account_Number: reference [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

To consolidate my loan , send me a written letter of the new payment amount per month, and to remove the loans from collection, that should have never been sent to collection.Also to explain as to why it has been since 09/2014 and Sallie Mae has not responded to the loan consolidation request form https://studentloans.gov/myDirectLoan/viewCompletedLC.action

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 received my bill for last month, which showed I owed $due on 5/25/I promptly scheduled a payment for the full amount to be paid from my bank account on the due dateAfter my payment was applied, my Navient account then had a past due amount of $11.83, even though I had already paid the full amount of the statement for that billing cycleLooking at my account, Navient added an $payment due for one of my loans but it was added with a due date that had already passed, making it look like I've defaulted on the payment when in actuality I made my full payment on time
Additionally, for loans through 11, I have been in contact with Navient since May 6th to try to correct my grace periodMy last date of school attendance is recorded as 12/16/14, when in actuality I have continued to be enrolled at least half-time until May I submitted the document to support this on May 6, and my last date of attendance and grace period were not updated in the time frame Navient told me the form would be processedI then submitted the document again, and have made at least three phone calls to Navient attempting to get my account updatedThe last time I called, a representative told me she would give my request "priority status" so it would be resolved within daysThat time has now passed and my account still has not been updated.Desired Settlement: Fix my account so that my grace period for loans through continues through November Also, fix your billing system so that my account doesn't continue to show I've defaulted on my loan payments when I've been paying in full each billing cycle
Business
Response:
Thank you for
your messageIn 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 3, Please allow sufficient time for postal
delivery

Review: In order to obtain a mortgage from [redacted] when you have student loans a non zero payments is required . If the payments is zero then the payment is calculated on 2 per cent of balance owing--in our case that means we can not obtain a mortgage when otherwise we could have.

We contacted Navient ( at the time we were in the "Income Based Repayment" plan which resulted in a zero payment.) and explained that we needed a non zero payment. I was told to apply for "Mandatory Forbearance Request Student Loan Debt Burden" was instructed how to fill out the form and check the box where it states "If this forbearance request is approved I want to (check one) Make smaller payments of $12.00 per month." Well the application was accepted but they refuse to bill me $12.00 as they stated that they would....I have complained to a supervisor --Customer Advocate and the CEO Jack Remondi with no success.

They refuse to honor the agreement yet the application was accepted and approved.Desired Settlement: They must finish their side of the agreement and bill us (my wife and myself) at the rate of $12.00 per month each under the terms of the agreement.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on November 24, 2014, 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: Dear Revdex.com, I want to report what I presumed to be an abuse by my student loan management company. My student loan was managed by [redacted] and for the past seven years I never missed a payment. Recently, the company changed to Navient. In November, I was notified of a 1.25% (from 2.75% to 4%) rate increase. In September I provided the company with the new bank account information and advised them of a change online and followed up with a phone call. Despite that, the company tried to apply payment to the old bank account and received a non-sufficient fund communication. When I called the company, the case was reviewed by senior management, [redacted], who advised me that my late fee was waived and I was told the incidence was a clerical error and that the rate would reinstated. Upon my follow-up calls, I was informed of a company’s decision to continue to charge me increased rate and I was not provided with any further information regarding this decision. Additionally, the lump sum payment that I sent in for the higher-interest part of the loan was misapplied to the lower-interest part of the loan. I am concerned that this behavior may represent deliberate and systemic manipulation aimed at a financial gain. I am requesting your assistance in further investigating this matter and reinstating my old interest rate of 2.75%. If you have any further questions or I could be of any assistance to you in this matter, please do not hesitate to contact me. Yours sincerely, [redacted].Desired Settlement: Reinstatement of an old rate of 2.75% on a student loan.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on November 21, 2014. 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: I signed up for rate reduction program with Navient. Previously I was enrolled in the automatic debit program-paying roughly $445 a month. The employee I spoke to said her name was Annabelle with extension 1BB. I was approved for the rate reduction program and on the phone I was told that my previous automatic payments would be cancelled-she even called my bank (Bank of America) on three way to make sure that the previous debit payments hadn't processed yet- that way she could cancel it in time and that Navient would NOT take two payments out of my bank account. She told me that if indeed I was charged twice, that Navient would refund my money. As I was approved for the rate reduction program- I was automatically charged my first payment of $255.

That following Monday, I noticed in my bank account that I was not only charged $255 for the rate reduction program, but was STILL CHARGED $445 from the previous automatic debit payment arrangement. When I called to inquire about this (about 3 times) I was told that my refund had been approved and that it would take 7-12 business days for it to post in my account. 12 business days has passed and I have been getting the runaround from Navient employees. I asked to speak to a supervisor (Lester employee code C44745) who then told me I had to wait until March 3rd because my refund was still under investigation and that my refund had not yet been approved. All of my attempts to speak to Annabelle (the one who helped my process my rate reduction payment) have failed- me being told that Navient doesn’t transfer to extensions.

I have basically been DOUBLE CHARGED IN ONE MONTH and I feel as though Navient HAS NOT been taking my refund seriously in an attempt to keep my money and I am tempted to file a complaint and sue. This error was not in any way on my part but it was an error due to Navient's misinformation and payment system. If I had known that the previous payment would still go through, I would not have signed up for the rate reduction program that same month and of course wouldn’t have paid twice in one month. I cannot afford this and that is obviously the reason I signed up for the rate reduction program in the first place.

1. I was told by Navient that my rate reduction payment would automatically cancel my previous payment arrangement; it did not, I was DOUBLE CHARGED.

2. I was told by your employee that I would get a refund if this would happen-I still have not received one.

3. 3. I was told that my refund had been approved, then told by a supervisor that it had not yet been approved as was still under investigation.

! This error on Navient's part has put me in a difficult precarious situation-- taking $445 more of my money that I needed to pay my rent!! I expect to be receiving a call about this mishap and for this to be resolved speedily or I will be forced to contemplate suing Navient for stealing additional money from my bank account as well as the lapse in which I was unable to pay my bills due to lack of funds because of this intrusive financial deduction.Desired Settlement: I want Navient to refund the additional payment they deducted of $445. As well as a late fee of $50 which I was charged from lack of funds in being unable to pay my rent on time.

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 11, 2015. Please allow sufficient time for postal

delivery.

Review: As of September 28th, 2015 I have been enrolled at The [redacted] College in Olympia, WA. I have sent information to Navient about my enrollment and to defer my payments while I attend classes. I am enrolled at least half time. Navient has sent collection bills. I have gone back to the school on numerous occasions to fill out more paperwork and make sure that there is nothing that I could be missing. The school and myself have sent information to Navient, and have checked in the national student clearinghouse of my enrollment status. Navient does not show that I am enrolled at the school. Their records shows that I withdrew as of June of 2015. I have asked what else I need to do, the consensus response has been to do the same process. I have done everything they have asked without any resolution. At this point my credit score will be damaged by a lack of simple fallow through on the part of Navient.Desired Settlement: I would like for Navient to correct my billing.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on November 24, 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: Sallie mae reported late payments to all three credit companies causing my credit to be destroyed.I went from having an good credit history to now having a horrible one.I have contacted navient several times and explained to them that I didn't believe I should have late payments because I was in a deferment period.Navient told me that during that period,I was not in deferment which I find hard to believe.I have spoke to their advocate named.[redacted] several times who keeps telling me that there's nothing that can be removed.I have asked for proof in writing on when my deferments ended because I do not feel like navient is being honest.I have also emailed good will letters asking for these late payments tp be removed and they have told me over and over again that there's nothing they can do to help me. They screwed up my credit and are refusing to make things better.I have also reported them to the department of Education and are waiting to hear from them. They have no sympathy for their customers and they fail to help resolve customers problems.They do not care about the sstudents or how they destroy people's credit,they just care about moneyDesired Settlement: I would like these late payments to be removed from all three credit bureaus and for my credit to be restored back to good.I also would like for navient to be more compassionate towards their students,overall navient has poor customer service skills and should be sued for fraudulent practices.

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.

Review: I am parent of [redacted] who attended [redacted] College. [redacted] and myself [redacted] had loans which should be paid up already. Today sent electronic draft of 1,218,.64 which was sent to Sallie Mae (now Navient). I have faxed them in April and then when they said they did not scan correctly, I mailed and they received 5/2 per Post Office and telephone call to them. They did not scan this either correctly where they claim they could not see. Very dark print. Then I put info into www.navient.com upload documents dark priint screenshots and they could make bigger if needed. They still said they could not see it. It is a scam. I sent them the first 2 times and then uploaded payments listed paid to Sallie Mae totaling 4,349.28 and additional payment of 471.48. Please get them to close this account. The last payment was made 4/17/2013. They are contacting us now when we paid all this. Not right. I called them 2 times already and spoke with Manager.Desired Settlement: Close account and list us as paid in full. We should not have this against Mrs. [redacted] credit. We paid them. Account for all those payments made and verified by the [redacted] from 3/27/2008 through 4/17/2013.

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 27, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: While I am admittedly past due on my Navient account, this company somehow attained the home number to my landlords and contacted them. The company knows my phone number but told my landlords that they had no contact information for me and divulged personal information about my past due status for no reason. I find this to be appalling and a direct violation of my rights. I have never once mentioned the names or phone numbers of my landlords, nor do they have any reason to contact them due to my debt.Desired Settlement: I want this company to contact me directly with issues, and to be understanding that I work two jobs and cannot answer the phone any of the 5-6 times they call me in a single day. I find their calls to be harassing and I want them to be more reasonable and work with me instead of harassing 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 August 7, 2015. Please allow sufficient time for

postal delivery.