Navient

Review: I have been having difficulty finding a job since I graduated college with my MBA degree. Last year, I applied for an unemployment deferment which was approved until August 2015. In November, this company called Navient began contacting me stating my student loans were due in January 2015. I let them know that my deferment request was approved, and my payments are not due until August 2015. Navient began asking me to re-apply for other deferment options, and I refused as my deferment period was still active. I began researching this company because I thought maybe it was a scam at first. In March, I began receiving emails from Navient stating that my student loan payments are past due. I called Navient, and also uploaded the document showing that my deferment was approved and my student loans are deferred until August 2015. Navient completely ignored my document, and refused to adjust my payment due dates. Not to mention, the customer service representative was treating me like I was a piece of trash over the phone. She began requesting that my school send them a statment showing that I am enrolled at least part-time. This is not applicable! I graduated in 2013 with a Master's Degree, and the last thing I want to do is go back to school for a PhD when I can't even find employment where I can use my Master's Degree.Desired Settlement: Adjust my payment due dates to reflect the dates showing on the "deferment approval form". Stop contacting me until my student loan payments are due! I would prefer my student loans be sold to a different lender as I do NOT want to deal with a company who seems to have no idea what they are doing.

Business

Response:

Thank you for

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

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

Postal Service on March 26, 2015. Please allow sufficient time for postal

delivery.

Review: 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: Grettings,

NAVIENT (formerly SALLIE MAE) is calling at my workplace after BEING TOLD NOT TO DO SO.

- I CALLED NAVIENT BACK AND THEY DO NOT IDENTIFY THEMSELVES PROFESSIONALLY WHEN ANSWERING THE PHONE. THE RESPONSE I GET IS "HELLO, HELLO...!"

- THEY REFUSE TO WORK OUT REASONABLE TERMS WHEN ADDRESSING THE STUDENT LOANS THEY HANDLE.

- THEY CALL FROM PHONE NUMBERS THAT DO NOT SPECIFY THEY BELONG TO NAVIENT COMPANY.Desired Settlement: I want NAVIENT to conduct their business IN WRITING ONLY, professionally and settle the negotiating of the Student Loans I do have with them according to minimal acceptable professional standards.

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 21, 2015. Please allow sufficient time for postal delivery.

Review: Navient (formerly sallie mae ) has been harassing me for years, I chose to ignore them because I received a loan from them to attend cosmetology school in 2008. After completing school I made many payments to salie mae and noticed none of these payments were being applied towards my debt.(I have proof of payments at home) I then called and they set up a new agreement which was fine with me until they started changing the "fixed" payment amount each month and then would charge a late fee after because the "full payment" was not received because they would change the amount even by a few dollars or cents therefore making it "late" because the monthly payment was not paid in "full." I was not happy with this and stopped paying since every time I called I got a different story. Now it has been almost 8 years since I received this $10,000 loan and it shows I have not made any dent in my debt with them. They have been non stop harassing me with phone calls and letters, which I understand but they will not deal with me and demand a large payment which I do not have. Now about a month ago they are calling my place of business and asking for me after I told them not to do this. One representative actually called and spoke to one of my co workers and exposed all of my financial situation to her and how much I owed them. Some have pretended to be customers, just to get me on the phone. They are non stop with threats of suing me and I am willing to pay but I can not give them what they ask for. If this is something you can help me with please do because I do not where to go from here. I know what they are doing has to be illegal and there is no way you can change payment agreements and take what you please from my account or call my workplace and talk to a co worker about my financial situation. I am not the only person this is happening to either there are thousands of complaints online and it just isn't right or legal.Desired Settlement: to set up a real payment agreement with a fixed rate, and only for my remaining debt .

Business

Response:

Thank you for

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

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

Postal Service on June 5, 2015. Please allow sufficient time for postal

delivery.

Review: I attended college at Everest College in their North Aurora location. I started in late summer of 2013. I attended this college because I was promised a hands on education, getting help from our case worker to find an externship for mandatory job training, and my certification exam paid for as long as it was before a year after graduation. Instead my last 4 or 5 months of school my class and I only had a teacher 2 out of the 5 days of class during the week, sometimes less depending on the month. (They were always laying teachers off so sometimes the teacher we had was not always a certified teacher in my program. I had to constantly check in on my case manager because they were not finding an externship for me. I had to send out a lot of applications on my own to get an externship. I also tried several times to have a meeting or get a phone call to the programs department chair to set up a date for my certification test. They were never able to set up a time for me to have a meeting with her, nor did I ever receive a phone call back after the many messages I left. I still have not gotten to take my test because they never helped me set up a date. I have been trying so hard to get in contact with Navient to get help with my loans and I am constantly getting an answering service.Desired Settlement: Many people in my class have gotten a letter in the mail stating that their loan is being reduced due to the Court charges against them. I hope because all I had not received from contract that my loan will be reduced or completely taken care of by Navient.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on June 24, 2015, and we are working with the customer directly to

resolve the issue.

Review: This is same loan with two different account numbers. One account number from Dept of Ed / Sallie Mae and another from US Dept of ED.

Sallie Mae or other words Navient, refuses to acknowledge that the guarantor being Dept of ED removed this loan due to FRAUD and that I owe nothing and Dept of ED removed it from my credit report. However, Navient still insists the loan is in default, won’t remove their duplication from my credit report nor contact National Student Loan Data Base to remove their info on their as well. From email I received from NSLDB it stated” We cannot make any corrections to your NSLDS record. The loan servicer or school is responsible for reporting accurate information to NSLDS. You should contact the loan servicer or school for information and assistance. To obtain contact information for the loan servicer or school, click on the number in the blue box next to the loan or grant type.” Sallie Mae/Navient is the servicer for a loan that the guarantor being Dept of ED has already agreed was Fraud and removed me from their system, I owe nothing and removed their info from my credit report. I started this process several years ago, hired an attorney etc. It was proven to be Fraud and the actual guarantor of the loan agreed it was Fraud and cleared their info from my name or any connection to it. Because of Sallie MAE, NAVIENT refusing to acknowledge this is the exact same loan that had two account numbers because of it being sold back to the guarantor, I have had to also already deal with another collection agency in which I again had to use CFPB to address. Which resulted in that collection agency closing their case and Dept of ED verifying I owed nothing due to it was already resolved as FRAUD. CFPB Case number: 150131-000120 “Explanation of closure

West received a letter from Mr. [redacted]'s attorney on January 12, 2015 and sent it to its client, ED for review. ED recalled the account from West on 01/27/15 and there was no correspondence sent to Mr. [redacted] after that date.”

Until Sallie Mae / Navient removes their info on something I already proven legally thru an attorney and already filed Fraud papers years ago I will continue to deal with collection agencies and a damaged credit report. (Sallie Mae/Navient has been provided the certified Fraud papers several years ago that they signed for by certified mail, and several copies of the proof that Dept of ED agreed and removed the case by my attorney providing them with the AFFIDAVIT they requested to remove me from the FRAUD.)

I have been dealing with this since year 2013, in which I initially started working with Sallie Mae prior to it going to Navient. Navient was provided a copy of the letter I have from Sallie Mae that says in short once proved Fraud just sent the info to our Fraud Section. Which I already did that. I have had to file CFPB cases in regards to the credit reporting, have had file FSAombudsmans office case, had contact NSLDB, had contact drghelp and Navient advocate as well. It is just amazing how many individuals and companies I have had to deal with to deal with what someone else did and after finally hiring an attorney to work with the company which is the guarantor of the loan which was DEPT OF ED and resolved the issue proving fraud and Dept of ED removed their items from my name and my credit report. That a company being Sallie Mae / Navient which is merely a servicer of the Fraud loan whom actually sold it back to Dept of ED, is refusing to remove their info on their website that has my name attached to it and refusing to remove their info from my credit report and from the NSLDB. Bottom line is I owe nothing to anyone which was proven and settled with Dept of ED who is the guarantor of that fraud loan. Every item, letter, proof of documentation has been sent either via email in which I have copies they have recieved the info, or by certified mail in which I have the returned SIGNED receipt they received the information.Desired Settlement: Not really sure how much clearer I can get to Sallie Mae/Navient that the guarantor being DEPT of ED issue of this loan being FRAUD has already been solved by working with attornies and Dept of ED already removed everything on their side that was or had any connection to me. That it is same loan, with two different numbers only because Sallie Mae/Navient sold it back to Dept of ED. I already proved it was Fraud to guarantor and can not understand WHY Sallie Mae/Navient can not seem to understand I owe nothing, nothing is in default and they need remove their info from National Student Loan Data Base and from my credit report.

I was only having the issue of them removing their info from my credit report, but as of their recent letter and rechecking into it, now their letter says not only I am dealing with issue of it being on credit report but them claiming it is in Default.

Loan is fraud been proven, they been provided proof several times.

Navient needs remove me from their system, REMOVE THEIR ITEM FROM MY CREDIT REPORT WHICH IS AT EQUIFAX and remove their info from National Student loan Data Base.

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 2, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

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: 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: 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: 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: 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: I recently became unemployed in December of 2014, I continued to pay my student loan bill on time in full each month. When I began to struggle with repayment of my student loan, I called and my only relief was to lower my payment by $100 a month. I recently called again to have it lowered or suspended for 3 months as I have still been unable to find a job and have no income. Navient refuses to offer any further assistance in my situation. They will not suspend my payment for 3 months while I continue to look for work and they will not lower them by any amount. I have no income whatsoever at this time. I am unable to make any payments at this time and their refusal to work with me not only puts me into further financial hardship, but will ruin my credit.Desired Settlement: I would like a 3 month deferment of my student loans and then a re-evaulation after the 3 month window has passed.

Business

Response:

Thank you for

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

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

Postal Service on September 1, 2015. Please allow sufficient time for

postal delivery.

Review: I have school loans that are now serviced through Navient from Sallie Mae. I have spoken with Navient on numerous occasions in regards to my all my loans being deferred as paperwork has been submitted to the Army to pay my loans off. This does not happen over night! I have also asked for the department that handles this since I am in the military and the military is paying off my loans and no one can give me the department or department telephone number. I get numerous calls on my home phone from various telephone numbers everyday (as my wife states) and they are calling my phone everyday, all day. In this past week, I have received over 70 calls from Navient. If this isn't a form of harassment, I don't know what is.Desired Settlement: I want no further contact listed like the above extremity and my credit corrected as these loans should be deferred through the correct department.

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 21, 2015. Please allow sufficient time for postal delivery. We are working with the customer directly to resolve the issue.

Review: I used to have Sallie Mae and paid off all the loans when I attended UOP in 2010 for associates degree. I did not claim any student loan for BS at University of North Georgia. Navient said, I owe them money through e-mail and phone calls, which I received 4 times already. One time I told one of the lady I do not owe them any money. I told her what year did get a loan for and she said for fall 2014. I told her I paid my tuition out of my own pocket that year. Then she said, "Did you create Navient account before and got a loan from us." I said, "No." She said she will call someone to do an investigation on a scam. Then 4 days later, I got a call from Navient asking for a #SSN by a man. All of the calls were from Pennsylvania.Desired Settlement: How do resolve this issue?

Business

Response:

Thank you for

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

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

Postal Service on September 11, 2015. Please allow sufficient time for

postal delivery.

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.

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 am late on my private student loan payment. I have called and sent two letters advising them that I CANNOT pay. I am unemployed and have absolutely NO INCOME! They call me several times a day and never leave messages. I live with my parents whom are on a fixed income and cannot help me! My other loans I have are in for bar ancestors for a year. I DO NOT HAVE ANY MONEY TO PAY THIS PAYMENT! PLEASE STOP CALLING ME!! I will keep you posted if my situation changes! READ MY LETTERS! !!Desired Settlement: 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 October 21, 2015. Please allow sufficient time for

postal delivery.

Review: WHO EVER WORKS FOR THIS COMPANY IS A DISGUSTING HUMAN BEING

I HAVE THIS ONE WOMEN WHO IS HARASSING ME LIKE I STOLE HER KIDNEY

SHE IS DISGUSTING AND RUDE AND TERRORIZING

I WILL NOT DO ANY BUSINESS WITH HER NASTY ATTITUDE SELF

IF SHE CALLS MY MOTHER OR ANY OF MY FAMILY MEMBERS AGAIN I WILL BE FILING A CIVIL SUIT AGAINST THIS COMPANY AND HER PERSONALLY

SHE HAS NO RESPECT

THIS IS THE NUMBER SHE CALLS ME FROM [redacted] I THINK EVERYONE SHOULD HARASS HER AND CALL HER AND BE A DISGUSTING PIG TO HERDesired Settlement: STOP CALLING ME LIKE THAT

I AM AWARE OF WHAT I OWE AND WILL PAY IT BACK WHEN I CAN

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 23, 2015. Please allow sufficient time for

postal delivery.

With Sallie Mae, I have been sending student loan payments regularly for the past 8 or so years. Zero problems. They were just bought out by Navient. My first payment with Navient resulted in my receiving an email stating that my check bounced. I called my bank, who stated the obvious: my check is good. I had to make a payment online. Navient still doesn't know what happened to my check. It's under investigation.

Here's the kicker: ALL (I mean 100%) customer support is overseas (India & Philippines).

Review: The log-in function of the Navient website has been inoperable for months. When I try to log in to Navient to make a payment or observe my account balance, I go to the website at this URL:

https://www.navient.com/loan-customers/

and receive an error message displayed directly on the webpage: "This site is currently down for maintenance. We apologize for the inconvenience. Please try again later."

Navient continually fails to correct this error, as well as fails to acknowledge the error.

When I try to log in on other computers, I am able to do so successfully, which might make one think that the fault lies with my computer. However, this is probably not the case for two reasons: First, the most common solution for this type of problem is to clear my browser's cache, which I have done numerous times in this months-long time span. Second, the error message itself plainly admits the company's website's own fault.

The malfunctioning of the website's log-in feature has prevented me from viewing my balance and from making some of my payments on time.

I have sent e-mails to Navient more than once regarding this issue, yet they continue to ignore me. The most recent e-mail to Navient was sent on Wednesday, December 31. Admittedly, I cannot at this time find any further correspondence as touching this issue.Desired Settlement: Navient must address me regarding their faulty website. Willfully ignoring a customer is rude. Further, I demand that Navient fix their website so that I may log in on this computer. If the fault with logging in turns out not to be on the shoulders of Navient but is instead associated with something malfunctioning in between their website and my machine, then I demand some sort of response from Navient, lifting a finger to help 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 January 9, 2015. Please allow sufficient time for postal delivery..

Consumer

Response:

I have already updated my complaint ID [redacted], and have made known that the complaint has been resolved.