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Navient Reviews (807)

Review: I have made over payments and asked (now four times) to have the over payment applied to the principle. I have gotten generic responses or my inquiries have been ignored. Because they are incorrectly applying my overpayments I have made to date, I have now been forced to pay additional interest.Desired Settlement: Please apply my overpayments to principle for any extra payment ever made. Please give me something in writing acknowledging you will do this.

Business

Response:

Thank you for

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

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

Postal Service on March 23, 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: 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: On April 2, 2013, [redacted], Office of the Customer Advocate for [redacted] emailed me a word document which details the removal of all late fees and late payments over the life of my fourteen (14) loans. To date, [redacted] has failed to submit these updates and corrections to [redacted]. Each of these reporting agencies continues to report past due and late payments concerning my [redacted] loans. This oversight unfairly and adversely affects my ability to move forward and hinders my ability to obtain credit. [redacted] is the only negative information being reported on my credit reports. The April 2, 2013 word document from [redacted] clears up and erases all reported late payments and time periods in question on my credit reports.Desired Settlement: Based on the April 2, 2013 word document received from [redacted] of [redacted], I need [redacted] to correct and remove all reports of late payments and late time periods concerning each of my [redacted] loans for each of the credit reporting agencies:[redacted].

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on November 7, 2014 and resolved the issue with the customer.

Consumer

Response:

Review: Since September 2014, Navient Dept of Education has been posting my student loan payments to the wrong account, an account that belongs to my daughter Jasmin Merritt. I have called for 3 months straight to complain about this issue and to date it has not been resolved. My current complaint is about the October and November 2014 payments of $800 each which still have not been removed from the incorrect account and reinstated to my account. In addition I am being charged interest on an amount that does not reflect the $1600 payment. In addition I am receiving letters from Navient threatening to report my account to credit reporting agencies as a non or late payment. At this point I don't know what to do to resolve this issue any help that you can provide will be appreciated.Sincerely,[redacted]Desired Settlement: At this point I have been approved to refinance my loans with Navient. I am not comfortable signing the promissory not with the new loan company before my $1600 payment is posted, for fair if losing the money in the pay off. Since the new loan company will pay off the balance as it exist now (which does not include the $1600) I would like a full refund of my payment.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 31, 2014 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: Prior to Navient taking over my this account, I tried contacting Sallie Mae for assistance as I knew my account would be coming due as of August 2014. Since this past spring, I have sent letters, faxes, and emails; not mention I have made numerous calls to Customer Service (Sallie Mae and Navient) regarding my account. However, my letters/faxes/emails are ignored and my calls are not productive. In fact they are quite stressful and frustrating, to the point I feel sick and that my health may be in jeopardy. This is quite unethical and will not be tolerated. I have repeatedly explained to Sallie Mae, and Navient, in my letters, faxes, emails; and phone calls, that I currently do not have the financial resources to repay these loans, at this time. I am working part time and can barely put food on the table. I have requested numerous times for any and all paperwork for a "financial hardship" deferment/forbearance assistance be sent so that I may complete and send back to avoid my credit being tarnished. As of this complaint, I have received NOTHING!! Just threatening letters and phone calls. If this matter is not resolved, or if my health is threatened, in any way, I will be contacting legal counsel.Desired Settlement: I am requesting that (a) any and all documentation for "financial hardship" deferment/forbearance assistance be sent via postal service to P[redacted] (b) that my credit history/report be corrected so that does not reflect ANY negative or adverse information or notices or status; (c) that my letters/faxes/emails are responded to rather than ignored; and (d) all threatening letters and calls stop immediately!! I have every intent on repaying these loans, at this time, however; I do not have the financial means. Accordingly, the terms of my loan agreement state that if such financial hardship does arise, the company, and its affiliates or buyers or future holders of my loan, are to honor the request for deferment or forbearance such that I can show such financial hardship.

Business

Response:

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

Consumer

Response:

Review: Complaint 1: On 4/29/15 I contact Navient in regards to my forbearance paperwork for my federal loans. I was then transferred to another representative in regards to my private student loans. This representative was extremely rude and condescending while making such comments stating "It's only $100. How do you not have $100." Why don't you try selling bake good or go make you some crafts to sale so that you can make your payments." Further comments were made by this representative that we appalling, disheartening, and left me in state of shock." I filed a complaint via email to Navient and through my online Navient account on the same day and have yet to have heard anything back in this month's time. Now I do agree that it is imperative that I resolve this debt but to be spoken to in such a manner while explaining my circumstances and financial hardships is completely unacceptable and if this is not resolved, I will take my complaint higher.

Complaint #2 Incompetent Reps. & Confusion) I contacted Navient on 4/29/15 to gain further understanding how to best handle my debt. The first one that I spoke to in regards to my federal loans was helpful but there seemed to be some major confusion in regards to my forbearance and I am unclear by the posting on my online navient account if they forbearance was granted or not. I have one entry showing approved then one entry that show's there was a mix up. This to needs to be cleared.Desired Settlement: Listings: Apology, debt settling, payment options, clearer details (regarding complaint 2), Phone Call, Letter,

Every time I've called to try and best handle the private loan, Navient refuses to aid me with a solution but continuously sends me emails stating the opposite.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on June 4, 2015 and resolved the

issue with the customer.

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.

Review: Oct, 2013 under Sallie Mae student loan a settlement amount was agreed upon for $10, 841.00 when it was still Sallie Mae. It was a payment by phone. Sallie Mae sold there student loans to Navient after this transaction was completed. I have tried since October 2013 to make Navient understand that I don't owe as of today $2, 160. 46. Every time "I" call them to try and resolve this issue I get passed around and then the standard answer is, "we will have our supervisor take care of this", then it's not and more interest is compounded on the account. Needless to say, this is ruining my credit. I'm done with Navient and their collection department. My loan :[redacted]Desired Settlement: I want this resolved with the outcome of a zero balance and the credit bureaus notified of "THEIR" error, not mine.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on May 21, 2015 and resolved the

issue with the customer.

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: 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: 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: Late last year (2014) I had to file a lawsuit for harassment against Navient. During this time period I noticed payments that I submitted through my online bank bill pay (The way I have paid my private loans for the last 2 years) was not going through. After the lawsuit was signed in January, I tried contacting Navient about this payment. It was not until April, the first week of April, I was able to contact Navient in which they informed me that the payments I made went to an unauthorized loan. Due to their unlawful practice of switching my payment from my private loans to federal I have an increased payment, they have contacted my credit score and refused to contact them again and set the matter straight, and they refuse to work with me in settling this issue.

Because of the unlawful funds transfer it has impacted everything that I have been able to do. If Navient would have spoken to me when I first attempt to call none of this would these issues would have happened. Because they kept refusing to speak with me and contacted my credit score they have made my life horrible.Desired Settlement: During the lawsuit I worked with Navient to show I was willing an able to work with them. my desired outcome, for their unlawful behavior and refusal to work with me, I would like them to cancel my loans so I have a loan balance of 0. The reason why I want this is they have ruined all aspects of my life due to unlawfully placement of finances so they can gain more money from this customer. This was a malicious act for starting a lawsuit due to their harassment they continued to give 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 May 15, 2015. Please allow sufficient time for postal

delivery.

Proper credits not being applied. Received a phone call from Navient on 10/23, whom stated, I haven't made a single payment in over 160 days. This is incorrect. Check payments are not being applied to my account.

I have also mailed 3 certified letters, but nothing is ever done. My account is being neglected and mismanaged.

I have made online payments in the past, but had identity theft problems. Changed to check only payments.

Certified letters sent in regards to concerns about the credits for my accounts. Track confirmation at usps.com.

**SSN[redacted]SSN** for April 2014

**SSN[redacted]SSN** for Sept. 2014

**SSN[redacted]SSN** for December

IBR Account 9**SSN**

for April IBR, [redacted] Check 1024, 93.76

for July 2014, [redacted] Check 1189, 93.76

for August 2014, [redacted] Check 1190, 93.76

for Sept. 2014 [redacted] Check 1027, 93.76

for Oct. 2014, [redacted] Check 1200, 93.76

for Nov. and Dec. 2014, [redacted] Check 1215, 187.52

for Jan. 2015, [redacted] Check 1228, 93.76

750.08

Private Loans

for April 2014, [redacted] Check 1022, 230.00

for Sept. 2014, [redacted] Check 1029, 179.38

for Nov. and Dec. 2014, [redacted] Check 1214, 166.18

for Jan. 2015, [redacted] Check 1229, 83.09

658.65

Review: ACCOUNT #9792145543

I am a co-signer on my daughter’s student loan. The loan has become due and we are making payments. Through the company Navient, which was previously Sallie Mae, we have both Federal and Private student loans.

As we repay the loans, Navient doesn’t make it easy. Question, is there a reason we can’t consolidate the loans within this company? Every time we call to inquire about our loans we seem to speak with staff members who don’t know enough about the company to help. They are one company, but the Federal side can’t help me with the Private side and vise versa. So I am transferred from one to the other often being disconnect and having to start the process over.

Another question, why can’t I consolidate each Private loan and each Federal loan? Currently we have to make at least four separate transactions for each loan classification. This is both annoying and confusing. Not to mention each has a different interest rate. It is as if they want us to fail in our repayment.

I am somewhat frustrated to the point I had to draft this complaint. This company does not operate with a spirit of fairness.Desired Settlement: Consolidation of all loans and a fair interest rate.

Business

Response:

Thank you for

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

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

Postal Service on March 19, 2015. Please allow sufficient time for postal

delivery.

Review: I have a student loan through this company. Navient sent correspondence to non-immediate family members and my employer under the false premise that I have listed them as references on my student loan... The letter then states that they have made several attempts to contact me to no avail and they list my mailing address on file.

My issue is that my employer and those family members that were contacted were NEVER references on my student loan!!! Much worse is the letter sent to my employer is opened by a third party group that is NOT authorized to have my personal information!!!

This is a violation of my privacy and extremely unethical!!! Under the FDCPA employers are contacted as a LAST RESORT when looking for personal information, at the time my payment was a MONTH late. NOT acceptable!Desired Settlement: REMOVE MY EMPLOYER FROM NAVIENT'S CONTACT LIST

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.

Review: The company overcharged me by $1,058.29, so I called and they said they would refund the money within two weeks. After two weeks of not receiving my money, I called again to see where my money was and they said that the representative failed to process the proper paperwork, and it would be another 2-3 weeks.Desired Settlement: I want my money back sooner than another two weeks, especially since it was not my fault that the representative failed to do his job.

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 20, 2015. Please allow sufficient time for

postal delivery.

Review: I get phone calls from Navient 8-10 times a day, as early as 7 am and as late as 9:30 pm, and NEVER get a voicemail. I finally answer, and tell them that I have no money to pay on my loans, and they tell me there is nothing they can do other than continue to call me (or as I see it, harass me) or I can $50 every 3 months to keep it in forbearance (something I can't afford to do). They are completely unwilling to work with me, and have no regard for proper phone call etiquette. They should not be allowed to harass me the way they do. I also should not have to tell them the same information every single day, they should document that in the notes of the account.Desired Settlement: Because I understand that they need to try and collect on their loans, I would be happy if I only received 1-2 calls a day, at least one leaving a voice mail so I know who it is, and that they be allowed only to call between 9 am and 7 pm CDT. I would also request that they must make documentation of our conversations so that I'm not wasting my time telling them the same information on a weekly (or daily) basis.

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 16, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: Unable to get there web site working to make payment on student loans. It will not allow me to make a payment through the website. Then when I mail in a payment the funds are not directed in the correct manner. Therefore I am paying more in interest. It is difficult to pay bills and set up auto bill pay when website will not function

I have contacted customer service through email and phone calls. Customer Service has removed email as an option to avoid written communications. No resolutions have been attempted nor have I been contacted for solution.

Contacted Navient in January 2015 of these issues.Desired Settlement: Web site updated to allow online payments and working status with proper protection from hackers. Interest rate lowered and credit into 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 April 29, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I recently checked my credit score to find that Navient incorrectly reported activity that does not coincide with the information that I have recorded. My student loans were transferred to this company and in October 2014 I applied for the Income Based Repayment Plan and I qualified. My payments are $0 per month until next year Oct 2015. December 7th, 2014, they reported to the credit bureaus negatively. My credit score was impacted by 13 points.Desired Settlement: I need this company to send a letter to all credit agencies indicating that my account is not in bad standing and that any negative remarks needs to be removed. This needs to be done within 7-10 business days. I have also mailed a written response Thank you.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on December 19, 2014. Please allow sufficient time for postal delivery.

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Description: Loans

Address: PO Box 9635, Wilkes Barre, Pennsylvania, United States, 18773

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