Navient

Review: I had my school loans consolidated and then they got sent back to Sallie Mae, now Sallie Mae is some company called Navient, I begged and pleased with Sallie Mae to send the loan back to the last service company, they refused.

I just found out that the student loans were coming due and that the repayment was like 6,000 which is extreme. I spoke to the customer service agents and we negotiated a payment plan not only when I was with sallie mae that was income sensitive last year when I was out of work for health reasons, so the first 12 payments were $0 now I call in today and I find out that in two weeks, or less I am going to be responsible for 1,000 payment. This is not accurate as I have a income sensitive or driven payment plan in place. I My payments were supposed ot be $16 dollars on te one student loan and another 16 on the other, so my payments are supposed to be 30 dollars a month for 120 months because I filed paperwork for a delaware based non-for profit organization so I qualify for the President Obama special program.Desired Settlement: I already had 12 months no payment due

Meaning I have 108 payments left to pay at 30 dollars a month .

I was promised a document to offer my credit bureaus and my auto dealer so that they can recalculate my debt to income ratio. The total amount due for the loans taking into consideration the income should be 120 payments - 12 payments = 108 payments of 30 dollars = 3240. I would like a document stating this sent via email, as promised AS I have complied with all instructions and have been promised this more then two weeks ago. If this can not be done by the 11th of Junly I will require a extended forbearance. I understand this si a problem because this is part of Sallie Mae a organization I asked to be no part of because I have witnessed how this comapny harasses customers once loans come due. I have witnessed harassment, and illegal activity.

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 9, 2015. Please allow sufficient time for postal

delivery.

Review: I've been trying to work with these people and they don't want to help with a lower payment. There is no more programs I qualify for and I've told them that I can't pay what they want, basically a double payment. They are not taking principal off at all only, interest. I need these people to work with me and they won't I have been trying since 2013. I can't afford to have my wages taken way because my paycheck is what helps feed my family. They need to help their customers I can't have my credit report hurt, my wages gone or lose my family tax refund.Desired Settlement: I would like to have a payment that I can live with.

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 23, 2015. Please allow sufficient time for postal

delivery.

Review: When navient loans was under sallie Mae student loans. Sallie Mae switch to a new computer system and the payments being made to my loans was change to only my sister and not being paid unto my loans. Seven months of talking with sallie Mae to have that issue and the negative marks to my credit fix. The system had been fix and my payments had been corrected but the negative marks had not been resolved by sallie Mae to the credit bureau. When navient branch off sallie Mae the issue was still never resolved. Called last week to navient and started a disput. I was told I would have been called for more information by who would lead their investigation in a week time. Called today to check on the status and had been informed a credit disput had never been filed. I had been through this with sallie Mae and navient now with this same issue.Desired Settlement: The issue of the 12 negative marks to be resolved.

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: Took out a loan in 2005. Paid off the balance due in 2009. They applied the amount as monthly payments until 2015 instead, never sent an invoice for 6 years, and now claim that with interest the loan remaining is 300 and some dollars.leaving me to wonder, if I paid they $300 if they'd come back in 6 months and demand the interest on the remaining balance....cause you can never pre pay a loan with these jackwagons apparently.Desired Settlement: The loan was paid in full in 2009. By applying it to pending payments rather than principle, they're basically stealing. And by waiting until just before the 7 year mark to ever send an invoice, it's pretty clear they knew what they were doing to avoid the statue of limitations.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on July 21, 2015, and we are working with the customer directly to

resolve the issue.

Review: My fiance and I both have student loans through Navient. I have been able to apply and getting my student loans on the income based repayment schedule. We have been trying for over 6 months to get his on the income based reschedule payment. We have sent in the letter four times and paystubs on four different occasions. They said each time that they are unable to determine the frequency he gets paid. We write on their every single time he gets paid every two weeks and we send in two checks so they can obviously see the date on them. Now, we just received a letter stating that we have requested to cancel the income based repayment schedule. What? Not at all. I called on his account today and I have been magically taken off his account and they have "no record of me being on it." I just called Monday and talked about his account. This is a nightmare. And absolute nightmare. Then on top of that it takes ten days to process any request while the interest just sits and ticks higher and higher.Desired Settlement: I want the income based repayment schedule to be accepted and not be told that I have to wait to hear any answer. These are destroying our life. We can't get a mortgage, we can't get any type of loan because of these students loans.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on August 6, 2015 and resolved the

issue with the customer.

Review: On June 23rd, 2015, I attempted to resolve multiple issues with the company, including negative credit reporting due to return mail which was in turn due to the company changing their name (Sallie Mae was forced to separate into a separate company which became Navient due to the company's management treating college loans and consumers like a personal piggy bank) and successfully updating my address from their old website. The company's failure to update my address was acknowledged by a Navient associate in April, 2015, whereupon he manually updated my address. It is a known fact that negative credit reporting can be reversed when this occurs. Emails sent by the cop nay during these months did not indicate who they were, as the company itself verified by stating that the emails were from [email protected] (no indication whatsoever in that email address that identifies itself as Sallie Mae). Furthermore, the company blocked access to the website in order for me to make my May, 2015 payment. This was unacceptable, as my account was current at that time. The company continued to block the site through May and also June 2015. Once I filed a complaint with the Consumer Financial Protection Bureau, access was finally granted, but now there was more negative credit reporting which has also not been addressed. On June 23rd, 2015, I spent 7 1/2 hours on the phone with various associates at different levels and in different departments. During these calls, I was repeatedly lied to, was provided with misleading information, was repeatedly hung up on or transferred to associates and/or departments I had not requested, purposely provoked into getting upset so that the associate(s) could upset me even more by ignoring the issues and instead focusing on my tone of voice, refusing to answer clear and simple questions, etc. The list could go on with the unprofessional, unethical and and uncivil level of customer service, if it could even be called service at all. The next morning, at 6:20 am, well out of the legal guidelines for ANY company to be contacting a consumer, I received a call from a Navient employee, who implied that he I needed to contact him so that he could threaten me. When I reported this to the CFPB, Navient stated that they could call me at that time because it was not a collections, which is what it the whole nature of the issue was about in the first place. In retaliation, the company claims that I made threats that are unsubstantiated and no evidence whatsoever has been provided to prove this. On the other hand, I can provide the Revdex.com with mp3s that clearly support MY claims that I was lied to, provided with misleading information, hung up on, transferred to people/departments I did not request, etc. I am done playing games with this company. Due to their non-response to the CFPB, which contained nothing but excuses, false information, denials and unsubstantiated claims, I will be providing the Revdex.com and several other consumer organizations with this evidence.Desired Settlement: All negative reporting on related to loans with Navient (aka Sallie Mae) is to be immediately reversed. The employee who contacted me is to be terminated and a letter of apology is to be sent to me signed by the CEO of Navient. The Revdex.com does not have permission or any authorization to close this issue until it is resolved per these terms.

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.

Consumer

Response:

Review: This is regarding a Financial Aid originated from a Sallie Mae Private Loan which is now being handled by Navient. This loan was done for me by Everest College, formerly [redacted] in Hayward, CA, back in 2006. It was not even explained to me that I had this Private Loan not until I graduated. All I knew was that I have a financial aid from Federal, aside from my Grants.

Back in 2014, I applied for forbearance/ deferment of my loan due to economic hardship. Being a single mom of 2 kids supporting by myself, Having a job on and off due to working as a contractor, I had been qualified and get approved. It is really a tough life for me and my kids for the past couple of years now. When Salliemae transferred my loan to Navient the more my life became miserable. Even if I already got approved for forbearance/ deferment of my loan, I been harassed a couple times by Navient Representatives. A couple of times I explained to them my situation, but they didn't understand. I was forced to set up a payment arrangement that we both agreed the amount to be debited on my bank because according to them, that is to avoid delinquency of my account. Even though my bank account is being debited, I still been getting a notice of delinquency and I cannot count the times they been harassing me by calling 5 to 10 times or more in a day from as early as 6am or past 9pm. If I will answer the call, I will be talking to rude people who are really hard to deal with, most of the time degrading and without manners (yelling or talking at the same time while I am speaking). What really triggers me to this complaint is because I went to my bank to request a loan and I was informed that it was reported to the credit bureau that I have a 180 days delinquency on my student loan account.

I tried calling Navient that same day, as usual same rude customer service representative answered my call. They probably think they always deal with stupid people, I am sorry for the word but that's how I always feel every time I get to talk to the representatives of that company. I was told that they cannot do anything about my situation. I beg the representative to take time to look at the history of my account because I really need it to settle my financial problem. The representative told me that his manager will call me after 5 minutes. When nobody called me after more than 10 minutes I called back again and was told the same, I will be called back, same thing over.. I called back and the manager was already in the meeting. I already broke down to the last person I spoke with because I am so desperate to settle the problem with my account. Then he offered me to make another payment arrangement and he will take out the delinquency on my record. I was told the same thing before that's why I was forced to set up the payment arrangement almost a year ago even though I already got approved for deferment. I have all the documents to prove my complaints.

Navient people should learn their lesson. Probably not all of them but most are definitely not fit for a customer service position. I feel traumatized and harassed for dealing with that company.Desired Settlement: I am willing to provide all the necessary document as proof for my complaints. I need Navient to do the correction on my credit report.

Navient people should learned/ be trained a proper manner and a good 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 9, 2015. Please allow sufficient time for

postal delivery.

Review: I've been paying on my student loan for years now and to help ease my burden on my terrible salary that I do make I've enrolled in one of their programs. I can't pay the entire thing all at once so we've agreed to split the difference between the two times I get paid per month. I get paid the last day and the 15th of the month and ever since they've changed their name from Sallie Mae to Navient they've had an issue with this payment now for months. I've been getting harassing calls before the 15th, letting me know that I'm late with my payment and every time I've them to note it on the account that I've already have a plan in place.

In June, one of their employees, Alex Hill of Navient, when he told me that it looks like because I spilt up my payments that it causing the system to go into collection mode and then call me. I asked that this should've been fixed the last time this happened. He then said, Why don't you save the money and make the lump sum payment at the beginning of the month instead? Angrily I said when can that happen when most of my income is already going to you guys? He was then very short with me and did not disconnect the call when he said we were done. I was on the phone for 5 minutes with him for the total of 19.

It happens at all hours. 930 pm, once 1230 am, and another time this week at 705 pm and as soon as I went to call them back with the number that they gave me. I would get the answering service telling me that the place is closed when it's not. It doesn't close till 800 pm. Why are they calling me at such a late hour if they're gonna be closed and I can't resolve this issue.Desired Settlement: I hate talking to them. They cause me nothing but stress and fill me with anger. I've told them on many occasions that I want to commit suicide due to the stresses that they've caused me over the years. Is it my fault the economy sucks for the lower middle class. I've cut back on just about everything. I'm not living the American dream. I want to be rid of the vampires forever but will continue paying what I can for the time being but this harassment must stop!

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 27, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: I received an email of a snapshot of my monthly statement of my student loan from Navient. However it had the wrong due date of when my student loan. The email stated that the due was 10-11-15. Therefore I called their customer service line to figure out the situation. When I called, I was told by a woman at 5:30PM on 10-1-15 that I was correct that the actual start date of my student loan was 12-11-15. Then I asked if they could she could send me an email confirming the new date. I was then told that they couldn't and wouldn't send me a new email with the new date confirmation. Next I asked talked to a manager I was transfer to a manager name [redacted] at 5:45ish PM 10-1-15. [redacted] also confirmed on the phone that my actual start date was 12-11-15. He also refused to send me an email confirming the new due date of my student loan. I asked to talked to someone who could help me [redacted] put me on hold for 10 minutes twice and then I was hung up on. I called again that night and the process repeated itself. All I want is a simple email confirming that actual due date of my student loan so that I am not charge extra money. I don’t feel this is asking much. Can someone please help me.Desired Settlement: All I want is an email confirming the new date of my student loan.

Business

Response:

Thank you for

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

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

Postal Service on October 7, 2015. Please allow sufficient time for

postal delivery.

Review: Naivent has set me up on a payment plan and the payments have been automatically deducted from my checking account as set up with the organization. While checking my credit score, it was found that Navient had been reporting the account delinquent even though the account was current. I started dealing with Navient on 8/31 to get this issue resolved and the negative reporting was retracted about 2 weeks later. The account has yet to be brought current and there are now late fees being applied to the account. I don't know if they have reported the account delinquent to the credit bureaus after retracting the initial negative reporting.Desired Settlement: I would like to have the account status brought current showing no past due amounts, the late fees and charges taken off and credited back to the account and to ensure this account isn't reported delinquent to the credit bureaus because of Navient's failure to rectify 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 October 7, 2015. Please allow sufficient time for

postal delivery.

Review: I am enrolled in Navient's Rate Reduction Program. Every single month for over two years my payment has been allocated incorrectly between my nine loans. After the money is withdrawn by Navient from my checking account and incorrectly allocated, I begin getting phone calls and emails saying that I have missed a payment and must take action immediately. Every month I have to take time out of my work day to leave my office and call Navient to attempt to resolve the problem. Every month I get a different person on the phone who gives me a different explanation as to why my payment has been misallocated for THAT month. Every month I explain to them that this has been happening for over two years and every month I get a different explanation as to why it is happening. There typical response is, "Well I have figured out the problem and I have resolved it, so it will not happen anymore". I get this general statement every month. And every month, I have the same problem again.

When I call, they do supposedly re-allocate the money to the correct loans while I am on the phone. I say supposedly because I literally have no way of cross checking what they have done. The only means to cross check would be my monthly statement, but every month my statement shows the payment misallocated. I have been paying these loans on the Rate Reduction Program for over two years and have never had an accurate statement!Desired Settlement: I would simply like Navient to fix the problem of my payments getting misallocated. I would like my payments to be allocated correctly every month for now on and therefore have statements that I can actually reference and check for accuracy.

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 8, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: Since Sallie Mae became Navient organization, a lot of my information seems to be lost every month. My due date changed depending who I spoke to. I have emails showing that I had a payment coming up on a certain due date, yet on my log in account page there was another due date. Once I enrolled in their rate reduction plan (because I do not have a job and means to pay 850/month), I was getting an automatic debit of almost half that amount. This year in June and July I missed my payments, as I had lots of personal issues come up and I needed that $435 a month. Of course, right away I got marked on my credit reports for late payments. Come August, I spoke to a very nice Navient agent who told me I can make a 435 payment, and my account would be brought current and out of delinquency. From then I would continue my normal automatic monthly payment. Come Sept 10, I noticed the next automatic monthly payment never went through, which should have gone through on Sept 5. I called and they told me they had tried to take the money out but my card was declined. I asked for the card information and realized they had used an old card that I used to have a year ago. Very strange as throughout the whole year they already had my new card set up on the account. So I gave them the newer one that they had used throughout the year and asked again about my status because my credit was still showing up delinquent. They said the agent I spoke to in August had never noted anything about my account being brought current, but that they would update this for me and I would be all clear and current. Come a few days after, I got another notice from my credit score going down even more for still being late in payments. I called Navient and spoke to a manager and he guaranteed me to wait about 2 weeks and that everything should be updated and clear and current and I would be out of delinquency. Last week, I got a phone call from a Navient agent saying I was late and delinquent. She had no information of my account being agreed to be brought current. She called me back an hour later with her manager to tell me that yes, I was in delinquency because of the late payments still. That I owed $800 plus to be current. I said I couldnt pay that..and asked what I could do. She told me to set up $35 a month---and somehow that would help bring some of the loans current. I called this morning again as it is time to re-enroll in the rate reduction program. I also told them about the information mentioned above and what I could do to bring that current. They said I had to pay the $800 plus now or spread out and pay in addition to my monthly payment for the next six months a $580 monthly payment now. I asked if they could trace back the phone calls from earlier to show that I had had two agents and one manager promise me that I was supposed to be brought current and out of delinquent. She said she could, but it wouldn't do anything as I still owed the money. She then proceeded to get angry as I kept asking different options to help me---because even a $435 a month payment is extremely difficult for me. She said I could agree to pay throughout next six months (delinquency would come off credit report probably in Janurary), or pay the money now, or she would take me off the rate reduction plan and put me in the regular payment plan of 800 a month. After she said this, she even told me bye have a good day and I had to stop her and agree to the $580 a month.

She was extremely rude and everytime I speak with someone there--again they have no recollection of things they tell me and seem very confused with my history.

With Sallie Mae, I never had issues like this. As well, I seem to paying nothing because my total amount due never changes.Desired Settlement: Either see if there's another company I can transfer my private loans too. Navient is horrible. As well, I'd like to get the adjustment from them to send to all credit bureaus to only leave me as two months late payment (June and July) as promised. My credit score has gone down about 60 points and will continue to go down if the late payments show until January 2017.

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.

Consumer

Response:

Review: On August 26 2014 my student loans were am discharged due to militaryDisabilities. The letter from nelnet stated that all the monies I paid after my disabilty date should be returned to me. Disability date from the VA is 5/11/1996. On feb 6 2006 I paid sallie Mae $4800 toward my student loan. Can't contact anyone that has any info about me ever having a loan with sallie Mae or navent. The 800 number I was given tell me that sallie Mae held all my loans. Please help. $4800 is a lot of money that I am owed.Desired Settlement: DesiredSettlementID: Refund

A refund would complete this issue for 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 19, 2015. Please allow sufficient time for

postal delivery.

Review: I called Navient who replaced Sallie Mae and asked them to send me monthly reports on a consolidation loan, they already send me reports for department of Ed loans. The stated that they have already been sening me this but I have never received. If one report comes to my home the other should as well. I do not believe them. I spoke to a person under the President of Naviant, [redacted] Please understand these both combined loans are at least $30,000. I have been paying for several years and I need to keep records on both.

Product_Or_Service: School Loan

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

I would appreciate if they were notified about this again through the Revdex.com and also I told them that the servicing is very bad, they promise to call you back and they never do.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on November 12, 2015 and resolved

the issue with the customer.

This company has harassed me with phone calls all throughout the day and night. I make monthly payments, but yet I still receive these phone calls stating "I'm late on payment" or "have late fees". They collect my money and then tact on additional fees. The recent payment history was not an accurate one. Several months of payment is missing to which they state payment was never made, but it was. My bank account can Prove it. Something has to be done about this. Who knows how much student loan debt I am truly in now because of all of these additional charges. I'm at the point of desperation and willing to do what I have to do to stop this un professional business from ripping off hard working people.

Review: NAVIENT REFUSES TO UPGRADE MY LOAN AND PLACE A UNEMPLOYMENT DEFERRMENT. I HAVE CALLED 4 TIMES OVER THE PAST MONTH AND REQUESTED AN APPLICATION SENT TO ME AND SO FAR NOTHING. I BELIEVE NAVIENT IN ON PURPOSE DELAYING MY DEFERMENT SO I BECOME LATE AND THEY COLLECT FEES. ON 1/2/2015 AT 12PM I TALKED TO MJ REQUESTED A PAPER APPLICATION SENT, ON 12/23/2014 AT 11:40PM TALKED TO CONNOR AND REQUESTED PAPER APPLICATION SENT AND NOTHING. I HAVE NO JOB AND NAVIENT IS DELAYING MY DEFERMENT AND I AM AFRAID I WILL BECOME DELINQUENT. PLEASE HELP REGARDING THIS ISSUE.Desired Settlement: A PAPER APPLICATION BE SENT BY MAIL AND TO PLACE ME ON UNEMPLOYMENT DEFERMENT FOR MY FEDERAL LOAN.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on January 13, 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 called Navient 1/2/2015 to change my billing dates for all of my student loans to the 28th of the month and was told it was not a problem. My federal loans would change that month (they did), but my private loan due dates would not change until the next month, meaning my due date should have changed in Feb from the 15th to the 28th. I specifically asked if I needed to do anything separate/special for the private loans and was told that the rep would submit the requests for everything and it wouldn't be a problem. My federal loan due dates changed without a problem. My first payment for my private loans is due in March and when I logged on to verify the amount, found that my due date had not been changed.

I called Navient again today (2/24/2015) to find out why the due date had not changed and found out that the 28th isn't a valid due date for private loans. My request to change the due date was denied back in January. I was not made aware by the rep when I called in January that the 22nd was the latest due date for private loans and I was not made aware that the due date change was denied. When I called today I was told they could submit a new request, but it would take another month to change the due date. When I asked to speak to a supervisor, she tried to feed me some bt about retraining that representative and blah, blah, blah. I don't care about that - there are other steps that failed that shouldn't have involved human error (ie an automatically generated email saying the request was denied; an error when she tried to submit the request). I barely make enough money to cover my loan payments right now and I dread having to work with Navient in the future. Sallie Mae was a pain in the [redacted] but when they said they were doing something, they did it.Desired Settlement: I want my loan due date changed for March or any late fees paid by Navient for that month.

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 26, 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 received multiple calls to both my cosigner and me stating that Navient needed to speak with me about a past due amount on my loan. During messages left they claim they have account specialists that are able to work with me to figure out my best options. Half the time if I try answering when they call it is just an automated message saying to call them to speak to them about my options. When I call I am told that my only option is to pay. Then other times I've tried calling I keep going around in circles on their automated system. This has happened numerous times with them calling saying they can help but then saying I hav no other option. I got a hold of c a customer service representative tonight who allowed me to pay on a credit card the past due amount and then said she couldn't do anything for me that none of the options would work. I think this is ridiculous that I'm trying to find a way to work with them on my private loans and they are refusing to help. My loans through the other departments that are not private were willing to work with me.Desired Settlement: I would just like the ability for a period of time to be able to have a smaller amount due or have them deferred temporarily. Or the calls saying they will work with me and have options available to stop since they are lies.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on March 13, 2015, and we are working with the customer directly to

resolve the issue.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.

Review: I applied Aug 10th 2015 on line for an automatic debit for an additional 0.25% interest rate deduction. I called today to check on it Sept 14th. They said that on the 11th, the were unable to find my account, they feel I may have entered the wrong information. I disagreed, because I double checked. But I was told to reapply. What I am disappointed about, was that I had to call and follow up. Why didn't I recieve an e-mail or call regarding the issue. Why did I have to call back in to find out that there was a problem with my application.

I reapplied, but I am wondering if I am going to regret it. I wish Sallie Mae wouldn't have sold my loan to this company. I guess we will wait and see what happens this time.Desired Settlement: I just wish the bar hadn't been lowered for "customer service". I don't need someone saying please, I'm sorry, and thank you 100 times, that is not customer service. I just want a simple job to be done and have it communicated accordingly. I would like follow up on my request for automatic debit.

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 22, 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 been traveling trying to look for work all over the country. one day as I was traveling I decided to look up my credit report. when I pulled up my credit report I had a negative on it from Navient. I figured I had been paying this student loan for a while so I was thrown back by it when I saw it. In today's job market your credit is a big deal and companies will not hire you if you have negative credit. I call Navient to see if I could remove it and they indicated that they did not do that. I even applied for forbearance so I could have my loan updated, but yet that did not work for them to remove that. what kind of world do we live in when we can't get this removed even if you make the gesture to make it right with the company...Thanks!Desired Settlement: Remove negative report from my credit report completely

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 2, 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.