Navient

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: 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 have student loans that were taken care of by ACS. My student loans were sold to Navient. I have bank statement showing I paid student loans in July to ACS. I was billed and paid Navient in August. They are claiming I owe them for July and now my account is past due. I have called and spent hours on the phone and faxed them copies of my bank statements showing payment and they continue to state I owe July.Desired Settlement: I want them to contact ACS and get July payment from them

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 15, 2015. Please allow sufficient time for

postal delivery.

Review: a student loan with navient, have been making the required payments, without one payment default, all on time, and all they did was apply all the money to interest. Nothing to principal. We have also made double-payments, in which not one dime was paid to principal. The loan amount was originally 18k. They are now stating we owe them over 42k in accured interest!! We have paid them either ontime, or early every single month for over the last 15 years. The financial jeopardy this puts us in, is un-bearable. We have contacted them on several occassions, and they have stated, sorry, there is nothing we can do. They have made no effort to help, resolve, or provide proof of where the money should have gone! We have paid them over 30k total!Desired Settlement: They need to waiver the balance. We have paid them (documented) over 30k on an 18k loan, and they state we owe them another 42k. We have filed complaints with the attorney generals office, as well as the wash. state financial fraud division.

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 28, 2015. Please allow sufficient time for

postal delivery.

Review: My student loans entered repayment this month, and to inform me of this, Navient wrote a letter dated October 6 stating that my due date would be October 9, and then mailed this letter late enough that I didn't receive it until October 13, 4 days after the due date I'd never heard about before getting the letter. I've emailed them about this once, and they wrote back but didn't change my due date or do anything to help the situation. My account is in default now, but it's entirely their fault since they didn't notify me of the due date before the due date had passed!Desired Settlement: I'd like them to move my due date back a month so I have a reasonable amount of time to pay what is due.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on October 26, 2015 and resolved

the issue with the customer.

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.

I would like for my loans to be transferred from this company. They do not have access to the National School Clearing house. I submitted a document, which is certified from my school that shows I am a current student. I faxed the document in and received a letter indicating that they could not accept my certified doc which is the standard that my school gives out that shows current enrollment certification. Also they sent an application that I have to fill out and my school that shows I am a current full time student. I told the rep I spoke with that my school is located in another city and is not close. I take classes at the campus in my same city I live in. It will be an inconvenience to drive to the main campus! The rep advise that he will put my account on some hold? He offered to email, he ended up saying he emailed the paper work to my school email. Checked my school email and did not receive email!!! I am not comfortable with a company that has my student loans that does not have access to Clearing house!!!

Review: I spoke with a Navient customer service agent on Friday, January 2nd, 2015. I was informed that if I did not make a minimum payment of $885, by January 11th, 2015, my loans would be reported to the collections agency. I then proceeded to set up a payment for that exact amount on that exact date. Today, Thursday, January 8th, 2015, I proceeded to call Navient to move my payment to the 9th. I was then told two of my four loans were reported to the collections agency. I asked to speak with a supervisor. The supervisor proceeds to tell me the same thing the customer service agent told me. My loans were defaulted and sent to collections because I was late on my payment.

This is not the first problem I have had with this company. It is bad enough they offer no relief or payment plans when it comes to private student loans. The things this company does should be illegal. Because of the error of this customer service agent, my cosigners and my credit will be effected. THIS IS UNFAIR! SOMETHING NEEDS TO BE DONE!Desired Settlement: Something needs to be done. Every time you call, you speak with a different representative. None of them are on the same page, and apparently none of them know what they are talking about. I am a college graduate with student loan debt I will be paying back for the rest of my life. They barely offer any help and are not helpful when you call. I am tired of getting false information. It is bad enough I am struggling to make the payments. Now I have to deal with incompetent people.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on January 15, 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: I was contacted by Navient about limiting my personal information. But when I contacted them they stated I did not have an account with them and had to contact the original information supply, who they did not know, about limiting information sharing. I then asked them Not to share my information and was told they could not limit it but I had to contact the original information provider. How am I to contact some company I don't know??Desired Settlement: Since I have no account with Navient I want them to delete all of my information from their database!

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on February 4, 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: Navient posted a letter that I had a name change on March 17th. I did not have a name change and I called Navient on March 17th and asked that the name change letter be removed from my profile. They said they would. I called on 24th and asked about the status of removing the name change. They said they were working on it and it would be removed soon. I called on April 1st and asked that the name change letter be removed and checked on status. Again, they said they received my previous requests and are working on it. I called Navient today, April 7th and told them that I am making a complaint. I asked to speak to a supervisor and was told a supervisor is not available. I was told they have noted the removal of the name change letter and they are working on it. I told them they have inaccurate information about me and their delay in getting the name change letter removed from my student profile is not right. I advised that my information should be accurate and complete. Navient made a name change mistake and I simply want the name change letter removed from my profile. I searched their website to email someone or contact a higher being without success. I have now decided to voice my complaint on the Revdex.com site. Please have someone from Navient contact me to tell me that the inaccurate name change letter is removed from my profile. It should not take a month to remove and I should be able to speak to a supervisor at their company to resolve this issue...IMMEDIATELY.Desired Settlement: I WOULD LIKE A LETTER FROM NAVIENT THAT THE INACCURATE NAME CHANGE LETTER POSTED ON MARCH 17TH IS REMOVED FROM MY PROFILE. I WOULD LIKE TO LOOK AT MY PROFILE AND SEE THE INACCURATE NAME CHANGE LETTER DISAPPEAR. I WOULD LIKE TO SEE CHANGES TO THEIR PROCESS AND A CALLER SHOUDL BE ABLE TO SPEAK TO A SUPERVISOR. NAVIENT SHOULD HAVE MORE THAN JUST ONE PHONE NUMBER AVAIALBLE WHEN THERE IS AN IMPORTATNT ISSSUE AT HAND. THERE SHOULD BE MULTIPLE 800 LINES AND AN EMAIL ADDRESS TO CONTACT THEM IF THERE IS A PROBLEM THAT IS NOT RESOLVED. THEY SHOULD HAVE A CUSTOMER SATISFACTION LINE TO BE SURE ALL IS RUNNING SMOOTHLY. PLEASE HAVE THEM CONTACT ME TO DISCUSS AND RESOLVE.

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 17, 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: The loan company Navient (formally Sallie Mae), has been incompetent when processing my student loans and has harassed me about delinquent payments. I have made my payments before they were due and more than the required amounts. I have paid online and with coupon books and still have problems with them. This has been going on since 2011. November 13, 2014, I spoke to a customer advocate about the issues and he reassured me that if I pay with the coupon book for more than the required amount that all three of my loans would be covered. This was reiterated by four other employees as well as the manager. I don't know who else to contact. I am afraid their incompetency will affect my credit as well as my reputation as a dedicated and loyal customer to them as well as other companies. I am sick and tired of their blatant disregard for my timely and more than required amount payments.

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

Reprimanded and my account rectified. And promise of no further incompetency with my account. No more harassing emails.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on April 22, 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: Hi, I keep making requests to have specific payments made 100% to principal and Navient continues to credit to interest AND principal. Even when I submit a paper check and a separate piece of paper (per their request) that indicates 100% should go to principal Navient continues to process the payment as interest + principal. I am paid up-to-date and beyond. I want to pay this loan off faster and as I understand, Navient is a public company who cares more about profit than people. I want my over-payments to be 100% to principal. That is not a lot to ask. I have called in early June 2015 and again on 8/5/2015 and it just keeps taking more time to monitor that my requests are being allocated correctly. It's a shame that this is for STUDENT LOANS and I have to monitor and babysit my account.Desired Settlement: Please help me get the over-payments to be allocated to principal so I don't have to continue to pay these for the rest of my life. Specifically when I mail a check, it should be 100% to principal when my separate piece of paper specifies those instructions. Also, Navient said on the website I can allocate for payments to be 100% principal and that is not true. What a shame that profit is more important than people. Please make paying student loans easier and friendlier.

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. 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: They keep call from this number [redacted] and hang up on me or not answering me when I say Hello not leaving a message. They call like 4 to 5 times a day.Desired Settlement: To stop calling 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 November 12, 2014. Please allow sufficient time for postal delivery.

Review: On Wednesday 10DEC2014 I received a call from a Navient representative. She informed me that my payment was past due (the due date was 03DEC2014) and asked if I wanted to set up a post-dated payment prior to the end of the month. I politely refused and told the representative that I would make my payment online on Friday 12DEC2014. She then proceeded to threaten me with removal from my rate reduction program if I did not set up a post-dated payment today. I told the representative that I had been told by the Sallie Mae representative who enrolled me in the program told me that although I could not select my due date, as long as I made a payment before the end of the month, I would not be removed from the program. The representative on the phone told me this was not true and that I could be removed from the program for being delinquent or past due. When I asked what the difference between delinquent and past due meant (because she mentioned both), she told me there was no difference. However, I have been told on previous phone calls with Sallie Mae representatives that delinquent and past due are two separate things; past due is after the due date, delinquent is a certain number of days past due. The representative told me I was wrong and that she was right. I then asked her, "I am receiving two conflicting pieces of information. I made my payment arrangements off of the information I had been given and now you're telling me that information is not correct. As a consumer, how am I supposed to know which piece of information is correct?" The representative told me that she was correct. She proceeded to try to threaten me into making a payment, so I asked to speak with her supervisor. A supervisor named [redacted] (Employee ID [redacted]) was rude from the moment she came on the phone. She repeatedly interrupted me, refused to answer my questions, and actually started yelling at me. I requested to speak to another supervisor so I could resolve my current issue and file a complaint. She refused to connect me to another supervisor and said, "This will not escalate any further". I repeatedly asked to speak to another representative and told her if she did not transfer my call, I would file a complaint with Navient. [redacted] then put me on hold for several minutes, after which another representative named [redacted] (Employee [redacted]) came on the line. I shared my concerns with [redacted] and she seemed responsive. However, when I asked her the same question I had asked the other representative, she started telling me she would not have a "philosophical debate" with me. I told her that I wasn't trying to debate anything and that I thought it was a valid question. Every time I speak with a Sallie Mae/Navient representative I get conflicting information. How can I use this information to make financial decisions if I cannot rely on the accuracy of the information? [redacted] refused to talk to me and became increasingly rude. She interrupted me repeatedly, laughed and mocked me, and was incredibly unprofessional. I ended up losing my temper and terminating the call. I called Navient and asked to make a formal complaint. I was re-routed to the Rate Reduction Program (as this is the department that currently handles my loans) and I informed a supervisor named [redacted] of what had happened. He asked if I had their names and I gave him the information included above and he told me I should expect to hear back within 3-5 business days.Desired Settlement: I would like a apology from Navient on behalf of their representatives. I would also like the company definition of "delinquent" versus "past due" in writing so I can reference it in the future. I would like clear answers on when I am required to make payments, on the due date or prior to the end of the month. Lastly, if I will be expected to honor the actual due date (as opposed to making payments prior to the end of the month), then I would like to option of changing my due date to a more convenient date.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 12, 2014 and resolved the issue with the customer.

Consumer

Response:

Review: I took out student loans with the company Sallie Mae. I had no issues or problems with Sallie Mae and my loans were deferred due to being in school. Now that Navient took them over, I have had nothing but problems, harassing phone calls and demanding on payments. How can I make my payments when I only work 10 hours a week? Navient is demanding over a thousand dollars a month as my monthly payment. I am in school to get a better job so I can make my payments. When I asked for paperwork explaining all of the details of my loans, they refused to send it to me. They also refused to send me the paperwork that I signed stating that I understood there is a time limit on the in school deferrment. Since when is there a time limit? I asked them to work with me on the payments since I don't make enough to cover. I offered to make payments of $20 a month until I am able to make the payment amount that Navient is demanding.Desired Settlement: I want Navient to stop with the harassing phone calls, and send me detailed invoices about the loans I have with Sallie Mae. I also want them to officially defer my student loans until six months after graduation as stated with all of the lenders for student loans. I want them to understand that I am still in school and I will have no problem paying my loan when the time is stated when I signed the papers with Sallie Mae. I want Navient to leave me alone and once I graduate from school, I will be more than happy to start paying the loans as I would be doing if the properly deferred them in the first place. I also want Navient to be taken off of my credit report and my credit fixed to where it was before Navient screwed it and told the credit companies that I defaulted on my loans due to refusing to pay. I never refused to pay. Navient is the one who is refusing payment. I offered to pay something as opposed to nothing. I want my credit report fixed so it can be back where it was before Navient screwed it up.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on January 30, 2015. Please allow sufficient time for postal delivery.

Review: Some of my student loans have recently moved to Navient(Sallie Mae), and I have been trying to contact them to set up a method of payment. The machine at the only phone number I have for them takes my Social Security number three times, then hangs up on me. I was also unsuccessful trying to set up a login account at their website. Upon that failure, the website directed me to call the same broken phone number for assistance. I've been faxing letters to them since December 18, requesting that they call me. Today is January 8, and my first payment is due, and I still have no way to make that payment. I don't even have an address to send a check to.Desired Settlement: I still need to make my payments, that's all. I'd prefer to set up an Automatic Debit arrangement. I also need assistance establishing a login for myself on their website so that I can manage my loans more directly.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on January 16, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I have a Federal Parent plus loan which is being serviced by Aviant. I requested to provide a written confirmation about refinancing the student loan and the new terms and for some reason they are not comiiting to a letter of they were providing over the phone. I tried many times and so far no letter was sent. This is very unfortunate that student has to suffer thier lack of commitement to provide loan details for new term once I payof some principla 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 March 12, 2015. Please allow sufficient time for postal

delivery.

Review: Navient sent me a "notice of delinquency" on my student loans on 2/06/15. I had just graduated on 1/02/15, and had not received any statement that my loans were going into repayment. I also did not receive A BILL from them, either by US mail or email correspondence. The first correspondence I received from them, since the previous September when my loans were deferred, was a notice of delinquency!

The same thing happened last year, when I withdrew from school for a semester and my loans went into repayment. This seems to be their standard practice - don't send a bill, just immediately declare the account delinquent. I always pay my bills on time, when I receive a bill, and this is very upsetting!Desired Settlement: I want Navient to fix whatever glitch they have in their system, so that bills go out before notices of delinquency. Obviously this is a systemic problem, since it has happened to me 2 out of 2 times.

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 20, 2015. Please allow sufficient time for postal delivery.

Review: Sallie May was my student loan provider until sometime in the fall of 2014, then Sallie May became Navient. I had called Sallie May around 8/4/14 and spoke to a service person named [redacted]. She told me at that time that my loan had at least a 6-month grace period from 8/4/14, which would make the loan due sometime after 2/4/15. I received a call from Navient in mid-January, 2015 informing me that they had made my loan due in November and that they had sent an email informing me of this to [redacted] my old school email account that is no longer in existence since I graduated in May, 2013. I never received this email, nor did they send a letter to my mailing address informing me that my loan will be due in November. I called Navient on 1/20/15, paid the principle on my loan as I had planned to do before it ever came due, and filed a report with them asking for the interest that has accumulated to be waived considering they did not make a reasonable attempt to inform me that my loan would be due in November. They said that they will respond to the report in 7-10 business days via US mail. They did not respond to the report. I called them today, and they informed me that they chose to not waive the interest that has accumulated and have continued to add interest since 1/20/15. I request that all the interest be waived (now $434.59) on account of not having been notified that my loan will be due in 11/14 and having been told in 8/14 that my loan would become due in 2/15. Sending notification of loans becoming due to outdated school email addresses only is a poor business practice that may often allow this company to take advantage of new graduates. Also, Sallie May (now Navient) customer service misinformed me in 8/14 about when my loan would become due, which did not allow me to be proactive and call Navient in 11/14 because I did not expect notification until 1/15 that my loan would be due in 2/15. I was proactive by calling in 8/14 and was misinformed at that time.Desired Settlement: Waiver of interest that has accumulated on my student loan ($434.59) due to misinformation and lack of reasonable notification of loan becoming due

Business

Response:

A representative from the Office of Customer

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

issue with the customer.

Consumer

Response:

Review: In 2004 I rolled my student loans over into my mortgage. Now after 10 years a totally different company is harassing me for money saying I owe 953.65. But elsewhere on the bill it says outstanding principal is 473.25 and 171.24. I feel this makes no sense and I just cant understand why after 11 years now I owe money I felt was taken care in 2004. I have no way to prove this as the bank I did it with has closed and my mortgage has been sold.Desired Settlement: They told me this will look bad on my credit. I don't need this grief. Are they even a legimate company ?

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 16, 2015. Please allow sufficient time for postal

delivery.