Navient

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.

After Sallie Mae transferred my Student Loans to Navient, I was immediately locked out of my account due to "Too Many Failed Attempts." This was the message I received on my first log-in, and it then took 9 phone calls and 4 months of being hung up on and transferred to a computerized system which would then bounce me back and forth between Navient and Sallie Mae before I finally was able to get my password reset. Each time I would call a speak with a representative, that is if I could actually get one before being disconnected, the excuse was always the same, "Oh I'm sorry, my computer just locked up and I cannot unlock your password right now, but please call again tomorrow and we will see what we can do." At one point I even left my phone number with a representative who had offered to find a solution and call me back, yet to no ones surprise that phone call never came. If given the choice, I would recommend to turn and run far far away!

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: 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: 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: 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 has mysteriously added unspecified collection costs and fees to my student loan accounts. They have never specified nor explained how my account went from $24,000 to $66,000. In addition, Navient has hired these bottom feeder collection agencies to try and collect the debt. These bottom feeder collection agencies they have hired: Allied Interstate, Financial Asset Management Systems, etc..have repeatedly broken the law including the Fair Debt Collections Practices Act with the deceitful and abusive debt collection practices. I have been harassed and threatened by the debt collectors who have been hire by Navient to try and collect on the debt. In addition, Navient and the bottom feeder debt collectors have illegally added unspecified fees and collection costs to my account. Navient and their debt collectors are engaging in unfair business practices, harassment, deceitful collection tactics, threatening collection tactics, and illegal usurious interest rates on the loans. In addition, Navient wanted me to default on my student loans because they would collect more with their unspecified fees and collection costs. Before I defaulted I had a hard time paying my loans and Sallie Mae and Navient did not care they wanted me to default.Desired Settlement: My balance is $24,000 not $66,000 as Navient is trying to illegally allege I owe. Navient is illegally adding extra fees and collection costs that are illegal.

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 22, 2015. Please allow sufficient time for postal delivery.

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 took money out of my account without my authorization. My bank account was overdrawn and I do not have money to live. I am now further in debt and can't even go to work because of this because I can't afford gas.

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 4, 2015. Please allow sufficient time for postal delivery.

Review: I was extremely late on my loans, because I couldn't find work. They would not work with me. I finally got my taxes and set up auto debit, just in time. Apparently it never went through, but they never called me. They said they sent an email, but I didn't see one or didn't open it. They defaulted my loans and now O have credit collectors asking for $17,000 and harassing me and my mom, at her job. They have called family members, but did not contact me until recently. I don't understand how this happened? I never received a call, even though they would call me multiple times a day to receive their money. Navient won't work with me.Desired Settlement: I want my loans to go back with Navient and not be in default.

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 7, 2015. 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 tried to pay off a loan June 11, 2015. The amount was $8595.50. I received a confirmation number in the process. On July 6, 2015 I received a phone call that said I had a late payment. When I explained that I paid it off and shouldn't have any payments left, let alone a late payment, the company said that the check did not go through. I made another payment on July 7, 2015 of $8717.57. When I asked my personal bank why the first check did not clear, I was told that Sallie Mae did not put my account/routing numbers in correctly so they refused payment. I talked with a manager at Sallie Mae and they said they could not give me back the extra money they charged me even though it was THEIR fault in the paperwork.Desired Settlement: I would like the extra money charged to me of $122.07 returned to my bank account.

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 22, 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: 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: This is the 3rd report of this same issue in four months. I have reported the problem on two separate occasions. I spoke to a Nav. rep on Friday and he told me that the person I spoke with in Jan. entered the resolution but just didn't start it. He then told me that his supervisors supervisor was going to set everything and he was going to call me back and all would be well with the world. Long story short he didn't call back and I've gotten 3 phone calls saying I owe them and that I'm behind. Go figure they lied to me again.Desired Settlement: debts resolved

Business

Response:

A representative from the Office of Customer

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

issue with the customer.

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: I received a new phone and number from Sprint a couple of weeks ago. Within two days of the new phone, I started receiving phone calls from Navient in the form of an automated voice asking for a person by the name of [redacted] to contact them to make arrangements for payment on a student loan. At first, I ignored the calls. But after receiving repeated REPEATED calls daily I decided to call and ask them to remove my number from their system. A lady representative at [redacted] told me that she was sorry for the calls and indicated that she would have them stopped and to allow 48 to 72 hours to have the system go thru the new information; however, the calls continued. Today, I spoke with a supervisor at the aforementioned number with an employee number of [redacted] who indicated that he would have these calls stopped but the questions he was asking me sounded as if he didn’t believe me. I have no idea who [redacted] is and I can prove that this is a new number as I have my packaging slip from Sprint which is dated. Please advise. Thanks, [redacted]Desired Settlement: Just have them STOP calling me. This is harassment at my place of business and to my personal welfare. If they want the person that they are looking for, calling isn't going to help.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on September 25, 2015 and resolved

the issue with the customer.

Review: I have been contacted by Navient to be enrolled in their program to help me make payments on a private student loan. Once you have made 3 successful payments you are enrolled in the program any time your payment does not go through you will be kicked out of the program. I made 2 successful payments. I made sure there are always funds in my account and my debit card has not changed. This last month they failed to take out the funds. I waited becuase they told me it would be taken out. I then proceeded to check yet again because no funds were pulled and the service rep was just so sure that it was something wrong on my end. I have the proof that funds were available and the card was the same. So, they took me out of the program and I started it up yet again. Funny, that they messed up my payment on the 3rd month??? So, when I made the payment with the same card by the way, it showed as drafted from my account and today, the money is back? I do not know what is going on but it horrible what they are doing to people. Secondly, I have never seen my payments go to anything and I keep getting letters stating I have not made any payments. And lastly, I asked for proof of this loan and I have yet to see it.Desired Settlement: They get their facts correct and fix the situation.

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 14, 2015. Please allow sufficient time for postal delivery.

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: I have contacted this company multiple times to reinstate my automatic payments and they have not done so.Desired Settlement: I would like Navient to provide better customer service.

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 30, 2015. Please allow sufficient time for

postal delivery.