Navient

Review: I cosigned for a private student loan for a family member who did not pay on her loans. I was under the impression that payments were being made until I began receiving several calls a day from Navient claiming that several payments made had been reversed. At the time, my financial position did not allow for an extra payment so the loan defaulted. Now I am receiving loan rehab offers from navient. One of the offers may be possible for me financially and I would love to take advantage of it if possible. I requested the terms in writing and was told that they will only communicate with me by phone conversations and I have no protection other than the representatives word that the terms of the agreement will not change. I was told this is a policy and I just have to trust them. I was also told that if I record the phone conversation then the call would be terminated immediately, however, they are allowed to record any conversation. The reason I am hesitant to pay now without an agreement in writing is that I have my own loans that I have made payment arrangements on and the terms changed midway through the repayment process. When I questioned it I was told the rep made a mistake when they made the original payment arrangement and that my payments should have been higher. They say if I dont pay they will possibly seek wage garnishment. I am not refusing to pay, simply asking for the terms that I am agreeing to be sent in writing so that I also have protection before paying such a large sum (loan is over 37,000). I think any policy stating that you cannot have your terms in writing is crazy and eludes to the fact that the terms will change and there will be nothing the consumer can do about it as there is no actual proof of the arrangement made over the phone. This company has had several complaints, I dont understand why nothing seems to change with them.Desired Settlement: DesiredSettlementID: Other (requires explanation)

would like to receive terms of any agreement reached in writing. I am willing to pay, but not without protection for myself as they seek to protect themselves. Original offer was 500 in dec, 500 more in january with an interest rate reduction to 0.001 percent with payments thereafter being around 100 dollars until the settlement amount of 50% of the loan balance is reached.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on December 15, 2014. Please allow sufficient time for postal delivery.

Review: Navient has taken over for Sallie Mae and they have not done their due diligence in customer support.

In the Congressional Findings & Statement of Purpose of The Fair Credit Reporting Act it states that “unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.” (http://www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-cred...⇄ />
I have over 10 years of credit history with 0 late payments, and up until a few days ago, had a composite credit score of approximately 755. Navient has my student loans broken down into 10 separate accounts, but only make a single payment. By one late payment, they reported 10 accounts behind payment to my credit bureau, dropping my credit score by over 200 points to a 550!!! That represents the lowest 8% of the population of the United States. (http://www.creditsourceonline.com/credit-score-stats.html)

I am a homeowner and have various debts on my credit report. I work hard and have a job that requires clean credit history. I need to buy a new car to replace the one that keeps breaking down. The trends on my credit report show that, except for one outlier from Navient. I have a lot of motivation to maintain my clean credit history. I have no motivation to simply not keep my accounts current with Navient, even if it be by Deferment.

They have not contacted me, except for calling from an obscure 800 number and not leaving messages. With the amount of fraud going on in this day and age I do not answer unknown calls from 800 numbers. I do return messages however. Navient should have done their due diligence and left me a voicemail. They should have mailed me a letter. I did find 3 emails in my spam box after talking to the customer service representative at Navient. Not one of them mentioned that my account was behind and would be reported late, especially as 10 separate accounts to the credit bureaus! I found out about this from Fraud Detection that I have in place to protect my credit score. I pay a monthly fee to monitor AND maintain my good name and credit. Within 10 minutes of seeing this on my credit score I was on the phone with Navient getting my account back in good standing, sending a letter to Navients customer service department to dispute the late payment dings and also sending letters to the affected bureaus.

Navient has successfully ruined my credit in one broad stroke by not effectively supporting their customers. When speaking to customer support about this problem the representative said that “we have to report the truth.” And “we cannot do a good will correction because we have to report the truth.” I told her that they also had to be “fair” like it says in the title of Fair Credit Reporting Act. She said that I “did not understand” what she was saying. I told her that she “doesn’t understand the excessive nature of turning a single late payment into 10 separate late payments on my credit report!!!!

[redacted] said “The inability of college students and recent grads to be major consumers is stunting economic growth.” [redacted]. This is a prime example. How am I going to buy and replace my beat up car with a 550 credit score? How will I be able to get a Home Equity Line of Credit if a major problem arises with my home? How will I upgrade my home in a few years if my girlfriend and I want to make a future purchase together? 1 late payment turned into 10 late payments. The effects of this will be felt for YEARS!!!

I find this situation appalling. The Revdex.com has 1197 complaints over the past 3 years about billing/collection with Navient. [redacted] If Navient is holding me grossly accountable with “honesty” and 10 separate negative reports on my credit bureau, then why shouldn’t they be held accountable?

I would like Navient to send paper mail to my home address and to leave voice messages if they call my phone and I do not answer. I do not believe that this is too much to ask from a steward of student loan debt with the power to cripple someone’s good name and credit. I bet that if Navient is trying to sell something that they leave messages. I don’t understand why they wouldn’t when it comes to customer account support. In reference to previously cited material, Congress believes this to be an important issue, as well as successful billionaire entrepreneur [redacted].

In closing, if the President of the United States of America is trying to make paying student loans more manageable, [redacted] then why shouldn’t a company such as Navient be on board as well?Desired Settlement: Navient needs to remove the reports of late payment from all credit bureaus. This needs to be resolved immediately.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 17, 2014 and resolved the issue with the customer.

Consumer

Response:

Review: Navient (formerly Sallie Mae) unbundles private student loans without my knowledge and refuse to look into the matter. I fell behind on the valid loan. I was asked all kinds of questions regarding medical bills and who is providing for me while I have no income, matters that have nothing to do with my student loans. Agent [redacted] was extremely rude and confrontational. I asked to speak with another rep and his response was "That's not going to happen". I was refused the right to speak with a supervisor until I hung up and called back to speak to someone else. The agent "[redacted]" lied and misrepresented himself to be someone else, until I figured it was the same person. Finally a supervisor called me back by the name of [redacted], she just pushed me around and told me to talk with the same representative I had an issue with. I refused to speak with the same rep. They clearly work on some sort of commission basis and he omitted several bills that I have because I was not a principle to keep my monthly budget low to maximize profit and change my monthly payment amount! These are ILLEGAL practices and it must be stopped! I finally cleared everything up, unfortunately I have to continue working with this [redacted] (ID: [redacted]) who doesn't talk, he barks and uses illegal tactics!Desired Settlement: Sallie Mae (Navient) should A: Let me speak to someone who does not have a financial stake in my debt, B: Change their policies to where it does not incentive debt collectors, on private student loans, C: Listen to the audio tapes from [redacted], D: Issue an apology

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on December 30, 2014. Please allow sufficient time for postal delivery.

Review: Navient, working with a collection house called [redacted], started garnishing my wages a week ago and I was never properly served any paperwork. These are private loans, which requires that I am given notice and I was given nothing. I complained about this exact same thing back in March 2014 and NOTHING happened. [redacted] stopped collection, then out of the blue, started again without me getting any warning.Desired Settlement: I want Navient and [redacted] to cease the garnishment prior to me getting served. I want paperwork showing why I owe this, as I asked for originally. I also want the case re-opened so I am not a victim of a default judgement in which I am never served and cannot fight.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on December 31, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: 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 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: 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 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: 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 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: I paid off my Sallie Mae federal student loans in 2008.

Navient is the fourth or fifth agency given incomplete information regarding those loans.

I have provided proof of reported balance and payment to each agency in turn, also informing each that if Sallie Mae did not include that proof, they were acting in a fraudulent or negligent manner.

I have previously spoken by phone and attempted email contact with Navient to instruct them of all of this.

I have also requested they do not call, mail, or email in continued pursuit of this harrassing and (to my mind) fraudulent claim.Desired Settlement: I would like my account accurately reported as PAID IN FULL, September 2008.

I would like my credit report to be corrected to show my federal student loans as PAID IN FULL September 2008.

I would like Sallie Mae (and/or Student Assistance Corp) to be prohibited from continuing this invalid claim through a new agency once Navient abandons its current claim.

Business

Response:

Thank you for

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

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

Postal Service on May 15, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

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: 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: 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: I made a payment by phone. Three days later, the funds had been deducted from my checking account. However, when I checked my Navient account online, the payment wasn't listed either under recent payments or pending payments. I haven't been credited with the payment that was made.Desired Settlement: I would like to receive credit for my most recent payment and to receive prompt credit (within 24 hours) of all future 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 July 1, 2015. Please allow sufficient time for postal

delivery.

Review: The servicing of our student loan was recently transferred to Navient from another loan servicing company. Navient bills for loan principal and interest monthly, however the company refuses to provide a return envelope in the billing for which we would enclose our payment.

The loan had been serviced by two other company in the past, including a commercial bank. Every bill that we have received for about thirteen years had a return envelope for which to make payments.

Navient is transferring its own overhead costs to the borrower and changing the conditions of the loan.Desired Settlement: The desired resolution is that Navient include payment envelopes in with their monthly statements. This is not too difficult a task or unusual task because every mortgage, loan, electricity, water or credit card bill that I have ever received had a return payment envelope enclosed.

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 12, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: Navient is has two of my loans, one loan is Federal and the other is a private loan. Since the company has taken over my loans every month there is an issue with payment. I set up automatic debit from my account with them, by manually entering my bank information manually online. For a no more than two months they would take the payments out with no problems but after that the company losses my bank information or enters the account info wrong and my bank charges me a $10 late fee for every returned check. Payment with this company has been an on going issue that is costing me more money! I recently sent out checks specified to be paid to the Federal payment, both checks had the Federal Account number and addressed to the location Federal Loan payments must be sent to, as well as the statement Navient provided me with for the Federal payment owed. To no later be harrassed with phone calls no less than 10 times a day in regards to my private loan, with Navient's "Private Loan Deperatment" expressing to me the payments they recieved were of the incorrect amount becaus my payments were deposited to the wrong loan, even though my checks had the correct acount number, correct due date for the Federal loan, Navient monthly billing statement and addressed to the Federal Loan department. It was posted on my account there error and they are continuesly calling me no earlier than 8 am to 9 pm to continuesly explained there error. This is an ongoing issue with this company. They have everything documented on file and it states what had happen but the continue to call all hours of the day non-stop to yet again discuss ANOTHER mistake this company has made! My student loans were first bought by Sallie Mae and this was the same issue we experienced with them.Desired Settlement: So long as payment is being paid, I would like to stop being contacted. I feel I should not have to babysit the company with wether or not the correctly entered payment. This is extremely stressful to me and interfering with my job. I am currently working on rebuidling my credit and there errors are affecting my efforts to do so. I have also been hit with fee's from my bank because thier error.

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 13, 2015. We are working with the customer directly to resolve the issue.

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.

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 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.