Navient

Review: I have been trying to help my son with his student loans as I have co-signed them. He currently makes $10/hour and I am unemployed. We are trying to lower the payment until he can get on his feet and after many phone calls, many many many to a call center where english is barely spoken - we finally got to the private credit department. We were told that we qualified for a longer term and lower interest. This amount was automatically deducted from my sons account and the very next day we got a call telling us that we did not qualify for this program. When asked why they said that our credit score was too high and there was no stress on our report. But they could extend the terms by 4 years and not lower the interest rate. When we explained that we couldn't make the new payment they said there was nothing else they could do. After calling another person and leaving 4 messages, he finally called back only to keep repeating that there was nothing they could do because there was no stress on our credit report. He said they don't have to offer us any options. No matter how many times I tried to explain the money just wasn't there - he kept telling me that he wasn't a financial advisor and when I asked him what I should do if there is no money to pay this amount he said maybe I should talk to an accountant to better manage my money. My credit report reflects both me and my husband and since my husband is the sole income and makes payments on time (reflecting in the good credit report) he told me that since all payments are being made on time I must be able to make these payments. My husbands income and credit should not be considered here - he is not the co-signer. I question if this is illegal.Desired Settlement: We need a lower payment with extended terms to 25 years which they offered first so that we can make the payments and pay this 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 December 12, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: In March, my husband and I recently sent three checks to pay off three of my student loans in full. The checks were for $4,333, $4,268 and $2,429 respectively. We sent these to the payment address specified on Navient's website:

Navient - Department of Education Loan Servicing

ATTN: Payment

[redacted] Atlanta, GA 30374-0351

Each of the checks had the account information as well as the loan it should be applied to written on the check, along with a printout of the payoff instructions from Navient's website wrapped around each respective check. Navient's website (and the printout from it) said these loans would be recorded as "paid in full" if payment was received by 3/30/2015.

According to our bank records, these checks were cashed on 3/30/2015. When my loan had not been shown as paid off by mid-April, I contacted Navient, who said they had no record of the checks. Per their request, we sent them statements from our bank showing that we did, in fact, send them, and they did, in fact cash those checks.

Navient then replied that we sent the checks to the wrong address and that they would not adjust the loan. They currently have over ten thousand dollars of our money and are denying they have it. Meanwhile, we are acruing interest on loans that we actually paid Navient for.Desired Settlement: We would like Navient to apply the money we sent (and they received) to my student loans, and for my records to show we paid off the three loans indicated on the checks and the papers sent to Navient in March.

Consumer

Response:

Review: I am a single mother who barely gets by paycheck to paycheck. I have an outstanding student that they keep sending me information in the mail to help reduce my payments to something "affordable" every time I call they refuse to work with me and threaten to go after my mothers wages. This student loan has caused a HUGE rift in my relationship with her due to the harassing phone calls at every time of day and night to her place of business and home ( leading to them cancelling their landline because of this) I have expressed to Navient on many occasions that I want to resolve this and pay it but here is what I can afford and they tell me pay it all we will not do anything. I understand this is my responsibility to pay this off but I cannot do so when I simply cannot afford the payment. I would like to get reduced payments, I feel they are operating with extortionary practices and if someone wants to pay off their loan they should find a way to work with them instead of putting up roadblocks. My account Number is [redacted]Desired Settlement: I desire reduced payments. I can only afford to pay 50.00 a month I understand my mother co signed for me but THIS is not her responsibility and I WANT to take care of this on my own. I have cancelled things in my life to be abele to afford a 50.00 payment and I cannot pay more than that ( even that is pushing it.)

If I pay the 73.00 the demand it will overdraw me every month leading to closure of my account not being able to pay rent, daycare, etc.

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 22, 2014. Please allow sufficient time for postal delivery.

Review: Navient has taken over all my student loans from [redacted]. When I received the documentation explaining this I contacted the company in June. They stated that I would need to update my student loans because they would become due in about a month. I faxed all documentation back in July 2014. I called to confirmed receipt the customer service representative informed me it would take 24 hours to received confirmation of the fax. I was also informed that the loans will be placed on hold until the forms are received. The forms were faxed about 10 times from August to present frorm my job every time I call they say the same thing wait 24 hours for email receipt I have yet to receive any emails from this company. Today I contacted Navient and the representative explains to me that I have a past due about of $496.38 that will go into collections. The representative only informed me that the loan deferment was denied when I called to follow up. Once again I explained how frustrating this process is because no one is willing to help me. I spoke to Supervisor Kelly back in November who assured me that the loans again will be placed on hold until the forms are received and a confirmation will be sent. Again no email confirmation was received.Desired Settlement: All I want is to start paying off my student loans in the amount of $130.00 a month as promised. Thats it !

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.

Review: I am in repayment of my student loans. I have called and emailed Navient to solve these issues prior.

I am in a graduated repayment plan, which is outlined in my Master promissory note, and:

My payment plan is not being followed. I am enrolled in the graduated repayment plan, where my monthly payments are suppose to follow terms Navient has outlined for me. The repayment plan show me only paying $139.93 this month, but for the past few months Navient has automatically debited much much more, and my payment for this month is about about 50% more than what is outlined in my repayment terms. Last month my payment should of been $139.93, but $205.32 debited from my checking account and applied to the loans.

Why is my repayment plan outlined by Navient not being followed? The amount that is being automatically debited from my account is not even shown on the repayment plan outlined by Navient, its like Navient is randomly taking money from my account and applying it randomly to my accounts.

In my master promissory note under the graduated payment plans, there is a section that states:

"When a payment received, it will be apply... first to the unpaid accrued interest,

then to the loan principal balance."

My payments that are being automatically withdrawn from my accounts are not being handled this way. On loan 7 & 6, my auto-debit payment is not covering the total accrued interest. There was $48.47 amount that was applied to the principle of four other loans (Reference payment made on 5/21/2015), but my monthly accrued interest was not payed in full, and is being capitalized. I know this because I just paid an additional payment and the entire amount went to interest, when the amount that is debited each month is obligated to cover interest first (which is stated on my repayment terms statement).

I would like Navient to follow the repayment terms outlined on my statement dated 6/19/15, which show that this month and the next payment will be $139.93, and then jump to $191.38 in September, then ect..

I feel that it is reasonable for me to ask Navient to follow the repayment plan I have enrolled into, in which Navient outlined the terms, and would like Navient to stop negligently withdrawing money from my account and erroneously applying it to my loans.

There is also a not in my MPN that states "no single payment may be three times that of any other single payment", and Navient does not adhere to that statement. On every payment I have made, there has been at least One payment (usually 2-3) that are more than three times that of another single payment. And the extra money is being applied to my lowest interest loans, allowing my higher interest loans to continue to capitalize interest.

So to summarize, Navient is not adhering to my Master Promissory Note that states, they must follow my graduated repayment plan & they are not following the agreed upon MPN where it states " no single payment may be more than three times greater than any other payment".Desired Settlement: Would like Navient to follow the graduate payment plan, granted to me in my MPN

and

would like Navient to stop applying money to single payment loans where the payment is 3 x more than any other payment.

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 1, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I have been emailing Navient for since late February in regards to an agreement that was made. We were told that our interest would be lowered. Our emails continue to go unanswered and our interest is not lowered. We were also notified that, "Your loans have been transferred to another servicer. Your new servicer should be contacting you regarding this transfer. You may also visit the National Student Loan Data SystemOpens a new window (NSLDS) for a comprehensive view of your federal loan information," yet we are currently being billed $645.63, which was not what we agreed on. I was told that we would receive a call by March 3rd with our new agreement, but again, nothing.

When I called them February 9th to make a payment, which was suppose to differ our payments through March, we were told again that they would be lowering out interest because it is currently over 13% and between my wife and I, we have a combined total of $235,000 in student loans. She has only been able to find occasional substitute work and last year we made about $40,000. Navient is not willing to keep their word when it comes to lowering our payments or returning our emails.Desired Settlement: To explain why we are being notified that our "loans have been transferred to another servicer. Your new servicer should be contacting you regarding this transfer. You may also visit the National Student Loan Data SystemOpens a new window (NSLDS) for a comprehensive view of your federal loan information," and why they are collecting funds at an outrageous interest and not willing to work with us. Please, stop ignoring us.

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.

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: My account was transferred from Sallie Mae to Navient. I was unaware due to an address change and the emails sent to me by Navient were being sent to SPAM. However, my payments of $160/month were continually made to the Sallie Mae account without being rejected. When I discovered the emails from Navient, I immediately contacted them and was told that all late charges would be removed and that my new payment with Navient would be $98 although I never requested an adjustment to my payments at all, I was told that I could continue the payment $160 if desired and they would resume in March. In the meantime, I received approximately 6 emails from Navient adjusting my monthly payment to as high as $400. I spoke to a representative to in turn told me that my payments would be roughly $380/month. Despite my best efforts to understand why my payments would increase to this amount I was told that the system automatically generates this amount. I asked what changed between the transition from Sallie Mae to Navient and was told nothing changed, so I'm confused as to why my payments would be so high. I absolutely CANNOT afford a $400/month payment to Navient and I'm simply requesting my payment be reduced back to the $160/month I previously maintained with no problems with Sallie Mae. Again, I've spoken to various representatives who have been nothing shy of unhelpful or unwilling to make the necessary adjustment.Desired Settlement: My desired outcome is to have my monthly payment reduced to a more affordable/reasonable amount...i.e, the amount that my account should have reflected when transitioned over from Sallie Mae to Navient.

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 8, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: There are already millions of bad service and fraudulent stories online about this corrupt enterprise. Here is mine.I have often made payments to [redacted] that where not credited. I believe the whole company is a big scam. Now I will list one specific issue.I am a senior citizen who co-signed a student loan for my son. That loan is now 30% higher even when timely payments are made. Two days before Thanksgiving 2014, I received a call (one of five daily for six weeks)about an unpaid bill. I asked if I could make some type of arrangement.The collection person was named [redacted]. They took a financial statement from me, kept me on hold for a long time to consult with a manager. I was then told my 9 per cent rate would be reduced t0 3 per cent, and that I would have to set up a credit payment via credit card which I did. Confirmation [redacted] Thanksgiving morning the calls started again! I asked about my arrangement and they said that "we changed our mind"! This strong armed ruthless company is a "wolf in sheep's clothing" - cheating poor students and nave parents without informing them the truth about the so-called "loans" they offer.Desired Settlement: I will agree to pay the original principal on the loan minus all the extra charges and interest.Possibly that the managers or owners of this "coerceoration" admit their wrongdoing and deceit and turn themselves willingly into the authorities!

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 16, 2014. Please allow sufficient time for postal delivery.

Review: I made my final student loan payment with Navient back in April 2015. I actually overpaid the loan by 12 cents, just to make sure any additional interest that may be tacked on before the payment was processed would have been covered. I have statements from Navient showing that I overpaid by this amount. Fast forward to August 5, 2015, and I still had not received a refund for this overpayment, nor had my loans officially been closed and declared "paid in full". I contacted two different customer service reps that day. The first one told me that I had actually UNDERPAID my loan, but Navient would waive it and all was forgiven. She couldn't understand why I continuously informed her that I had proof that I had actually OVERPAID it; at one point, she actually told me "well, we waived it, so I don't know why you're upset". I paid you guys well over $50,000 in the course of my loan payments; if I'm due a refund, however small it may be, I want my refund. I then spoke with another customer service rep who took one look at my account and confirmed that I had overpaid and was due a refund. Nice to see someone actually look at my account. She transferred me to a supervisor who informed me that Navient does not automatically issue refunds of less than one dollar and that those customers have to request a refund otherwise no refund is issued. Isn't that skimming pennies? Isn't that a scam? Isn't that the plot of Office Space? I informed the supervisor that, yes, I wanted my refund, so he requested all my bank account information to initiate the refund and informed me that my refund would be in my account in 5-7 business days. The supervisor also informed me that they would close out my account and issue me the "congrats, you've paid off all your loans!" letter. THANK YOU. That's what I wanted. Did it happen? Of course not...

Fast forward to August 28, 2015. STILL no refund. STILL no letter in the mail. The only thing that happened is my online account now reflects that all my loans are paid off in full. Which is true. So, I called customer service again. The representative I spoke with this morning verified that my account indicates I am due a refund and transferred me to another supervisor regarding this matter. This supervisor informed me that because my student loans were closed out and reported to the credit companies back in April 2015 (which I know for a fact they were not closed out until mid-August 2015, depsite final payments back in April 2015), that they could no longer issue me the refund. WHAT? He informed me that I would have to authorize Navient to reopen one of my loans with a balance of $0, after which they could issue me the refund I am due, and then I must wait 2 full billing cycles (60 days...) and then they would close out my loan and it would say paid off in full. He swore to me that this would not negatively impact my credit score in any way, but quite honestly, I'm not believing that for one second. Considering I've been dealing with this matter for some time now, and appear to have to deal with this matter for an extended amount of time, it was time to report this matter.Desired Settlement: My desired outcome is in four pieces: 1) I was the refund that I am due (all 12 cents). 2) I want my account to be closed and listed as paid in full. 3) I want the credit companies to be notified of this issue, so my credit score is not impacted in any negative way. And 4) I want my letter of confirmation that ALL my loans have been paid off in full. I dilligently paid off my loans. I just want the refund I'm owed, and then I would like to wipe my hands of Navient forever.

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 4, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: I made a payment to Navient for my Private Loans in December via CheckI have spoke to Navient Customer Service and their Billing department more than timesI began to document every time I called inThey cleared my check out of my bank account for the amount I paid on the correct check # on 12/29/The problem that I have is they have never applied it to my Private loans and showing no payment madeI am now showing past due and in delinquencyThey have told me to call them back on specific dates and this should be taken care ofThe problem I am having is they still have no showed this paymentI wrote my loan number in the memo on the checkI have sent them a copy of my account from Navient, my checking account showing the transaction coming through, and a duplicate copy of the checkThis has been on going for a month now, and they keep sending me emails in regards to past due and delinquencyEvery time I call they make another excuse such as " Oh I see it was sent to the wrong area," when that is where Customer Service told me to send it and "I have bumped this up to high priority," which they have told me for the last two weeksI always have had issues with customer service when it was Sallie Mae before and now when it is NavientI have tried to have another loan company buy out my private loans so that I do not have to deal with this anymore.Desired Settlement: I would like Navient to receive my payment into the system, due to having proof I have paid this and they have taken the money from my checking accountI would like to resolve this so that my account is up to date as well as making this months paymentI do not want to keep making payments and have them debited from my checking account and never applied to my private student loan account
Business
Response:
Thank you for your messageIn 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 5, Please allow sufficient time for postal delivery

Review: Spoke to [redacted] and my loan paymentwas raised but no one from customer service can give me a reason why. And they are very rude about it.Desired Settlement: TELL ME WHY MY LOAN PAYMENT JUST INCREASED, IT'S REALLY THAT SIMPLE

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on March 27, 2015 and resolved the

issue with the customer.

Review: I’ve been receiving a huge amount of harassing phone calls (7 days a week), emails, and mail demanding that I pay an overdue loan amount. I have submitted requests and documentation regarding my circumstances and financial situation while at the same time consistently paying $25 a month. Numerous negative reports have been sent to all the credit bureaus long before I have a break in trying to continue my education due to being approved from Sallie Mae to pay for college courses taken in 2013. As a result of being approve and Sallie Mae/Navient not fulfilling their agreement I also now have negative reporting and have been sent to collections from Central Michigan University. I also want to mention that the negative reporting and collections attempts starting while I was attending classes concurrently and fulfilling my agree regarding receiving financial aid. The worst infraction occurred in December 2014, receiving a letter (disguised as a Christmas card) demanding I bring the account current or they will have me salary garnished 15%, which in my current position can/will cause me to lose my job.Desired Settlement: My desired outcome would be for Navient to pay the approved and requested amount to Central Michigan University that will stop them from continuing to harass me and report negatively on my credit report. Stop the negative reporting to the credit bureaus. Stop the harassing phone calls, letters, and emails. Accept the amount I’ve been paying.

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 5, 2015. Please allow sufficient time for postal delivery.

Review: I have made now 5 freaking complaints against this company and each time, the case was closed before I had a say in what was going on! My last complaint is #10292939. For 2 years I have argued with this [redacted] company in regards to their practices. They refuse to [redacted] help me in terms of trying to get my loan paid. They have me on a bt interest only payment plan that has done nothing for my [redacted] loan. They will not release my father as a cosigner because I am not making principal payments because my [redacted] income is not enough to support me while paying over 600 dollars in payments every month for a promissory note that was filed 2 months before I lost a good paying job!!!! All I get from this company is the runaround. Claims that they want to help, but don't actually [redacted] help. I get a bt response of not being qualified for their [redacted] modification program when I make 9 bucks a [redacted] hour! I am done being [redacted] nice and civil. I am completely pissed at this company and how they have treated me. They do nothing but lie and make excuses to get more money out of me. My father is [redacted] disabled!!!! I may the [redacted] payments on the loan, not him!!! But yet their [redacted] requirements will not release him, even when I have explained to [redacted] and [redacted] at this company my situation. If this isn't resolved soon, and if my case is closed again by the Revdex.com prematurely, not only will I sue Navient for their bt practice, but I will also sue the BB of Delaware. If a resolution is not found, I will consolidate with another company that accepts private student loans from other companies and officially say [redacted] you to Navient.Desired Settlement: If the following is not met in any way or order, then legal action will be met, or consolidation with another company will happen:

1. Father MUST be removed as cosigner. He is [redacted] disabled, living off of social security that he worked his [redacted] off to get. I am the ONLY one making payments on this loan that isn't even decreasing.

2. I want in on the modification program. If I am not, consider Wells Fargo to buy my loan.

3. Better yet, I want my entire loan FORGIVEN!!! As it is obvious you are not willing to help in my financial struggle and your company is greedy and don't give a damn about the students who are struggling to pay off loans and get scammed.

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 24, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: Student Loan was paid twice to Navient. Once by the student and again by a loan consolidation company. Navient has taken more than 3 months to investigate the missing check issued by the loan consolidation company. The loan consolidation company has confirmed with evidence that the check was indeed cashed by Navient. Navient has still not refunded the extra payment and still does not know where the check is. Basically, the check has been cashed and declared "missing." Meanwhile the interest on my loans with the consolidation company continues to build on a principle that should be much lower.Desired Settlement: I want my refund and I also Navient to cover the interest that continues to accumulate while they continue to look for this "missing check."

Business

Response:

A representative from the Office of Customer

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

issue with the customer.

Review: 2/3/2015

To Whom It May Concern,

I am a physician currently and have run into a consistent problem with the student loan servicers with a clear scam toward customers like myself and confident many others in the U.S. are having the same problem.

The problem is relatively simple. Additional student loan payments are made with explicit instructions for the additional payment to be used only to pay off the higher interest loans (for me these are %6.55) and then having Sallie Mae, now Navient spread the payments across all loans (some at ~%2). Obviously this benefits the servicer and hurts the borrower. The language of the agreement includes options for early pay off directed with specific instructions on a separate piece of paper included with the payment for allocating extra payments at the borrower’s discretion. When Sallie Mae was the servicer, I paid off high interest loans and had them spread across all loans on 2 separate occasions despite other instructions. I had to call them to get it fixed. My first attempt to do this with Navient only last month was done appropriately, but now with my second attempt with this servicer in only the past few months, I am getting the same problem.

This is a clear consumer scam where both companies have ignored payment instructions that clearly would help them make more off of their victims. I am sure there are those that don’t bother to get these misappropriations of payments corrected or just make payments without knowing they could get out of debt sooner by directing funds exclusively toward. I fully expect I can contact them and get this fixed, but am concerned about this happening to others who will not take the pains to contact consumer advocates, Revdex.com, the loan servicer, or state AG office and basically get scammed.

I have a good income and education, but my main concern is that others trying to pay off the higher interest debt early are having the same problem and truthfully, the continued pain in the [redacted] it has been to get the loan servicer to get things right without bullying them to get it right even when given clear typed letter instructions and check memos included with payments to do so.

Below is a copy of an email I will be sending to Navient today, the letter sent in with the most recent payment that was allocated improperly.

Copy of email sent to Navient today:

I sent in explicit instructions for recent payment NOT TO BE SPREAD ACROSS ALL LOANS (including the lower interest rate ones, which is obviously in the companies financial interest). I had the same problem with Sallie Mae and had to threaten them with involving the state attorney general when making payments with explicit instruction to pay of specific loans. I have made copies of these letters. Please reapply the payment to the specific loans written on the separate piece of paper sent with the payment processed 2/2/2015. On top of the letter, it is written in the check memo specifically which loans this most recent payment was to be applied to. I was impressed with the first successful attempt to do this with my loan payoff last month and was hoping to have continued success with Navient.

Copy of Navient letter which resulted in inappropriately applied payment spread over all loans, including lower interest loans:

1/25/2015

To whom it may concern,

This payment should be applied for acct# as a payoff of loans 1-14 and 1-15. The 10-day payoff amount listed as of 2/4/15 for these 2 loans is $19433.22 (10764.02 and 8669.20, respectively)

If accrued interest has not reached this amount at the time of processing, the remaining payment should be applied to loan 1-13.

Thank you for applying this payment as instructed as I had trouble with Sallie Mae when they would apply payments specifically directed toward the higher interest rate loans, on multiple occasions in the past, spread out over all loans (and threat of involving state AG office, Revdex.com) in repeated ignorance of very specific requests in the past. I am very appreciative that my last payment to Navient was applied as directed.

Please feel free to contact me by email at x or phone at x if you are not able to do this and I will consider refinancing with a private lender at a lower rate.

Thanks in advance for your cooperation,

I will note that both problems with Sallie Mae were only fixed after calling them despite clear instruction and that Navient processed the first payment properly and has not had a chance to fix their error when they misapplied the second payment. Yet it is hard to believe how the same mistake has been made on so many occasions despite clear instruction and that the mistake would benefit our noble student loan servicing industry on all of these errors in their favor. Can only imagine what nightmare it would be to deal with their collections departments.

I honestly have a likely terminal illness that would possibly get me out of paying off these 25 year loans as they would be discharged upon my death and would take some degree of comfort if the student loan servicer had to eat that debt, but possibly it would just go back to the federal government who would save a lot on my social security and Medicare benefits. I have it well financially, but disgusted by how I am seeing student loan servicers continue to make the same mistake that would financially benefit them and hurt the borrower. If you have student loans, you should be legally able to selectively pay off the high interest ones and should do so if your are caught up on month;u payments and do not have higher interest credit card debt (but that can be discharged in bankruptcy if things are bad).Desired Settlement: Applying payment as clearly instructed to the specific high interest loan on additional mailed instruction as well is in the memo on the check itself. Additional financial compensation for my time wasted in trying to get them to fix the blatant errors made in payment allocations that clearly are errors that would benefit Navient financially. Tonight that would be 3 hours total @ $145/hr= = $435 (Will accept cash, check, or credit to any of my highest interest rate loans @6.55%)

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on February 4, 2015 and resolved the issue with the customer.

Consumer

Response:

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

Review: After losing my job and consequently everything, my student loan went into default. I have completed the loan rehabilitation program and successfully restored my loan to current status. In fact, I'm currently 1 month ahead in payments. Regardless, I've requested both the credit reporting agencies and [redacted] to remove the negative reporting. They've reported me default in 4 separate places on my reports despite the fact that I have a consolidated loan that is current. My current credit reports say that I haven't made a payment in 6 years and it's a created stress and a hardship for me. I've requested [redacted] personally in a written certified letter to make the corrections and they won't respond. It's disappointing especially because in the loan rehabilitation process I was specifically told that this would be part of their end of the agreement.Desired Settlement: I would like [redacted] to immediately clear all the negative reporting from each credit reporting agency: [redacted]. Credit agencies have requested updates and they are currently supplying out of date false information. I would like each reference to USA Loans and [redacted] to be brought to good standing - which it it is.

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 10, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I recently filed an Income-Based Repayment form and I forgot to make December's payment. A representative called me earlier this month and informed me that I missed the payment. I filed a verbal forbearance, which would put my new due date as 1/28/15. However, I've been receiving calls from Navient and when I looked at my account summary on the website it says that I have missed a payment and that my account needs immediate attention. I just want to talk to someone that can really help me with this because the customer service reps aren't as knowledgeable sometimes. The rep I talked to last time was a little rude in that he rushed me and didn't make me feel as though I was valuable to this company. I'd like to talk with someone that can really help me.Desired Settlement: Please correct my account by bringing it up to date and be available for questions. Thanks.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on January 30, 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 have a consolidated student loan with Navient that is broken into two loans (1-01 and 1-02). The loans are itemized as separate loans with the following balance as of 7 March, 1-01:$4065.60 and 1-02:$3083.15. I would like to pay extra principle to the smaller of the two loans to get that paid off quickly. The two loans combined have a regular monthly payment of $81.79 on loan 1-01 and $63.14 on loan 1-02. Beginning in February I began making a monthly payment of $375 to Navient and per their instructions on their website I sent an email explaining that I would like any payment over and above the monthly billed amount ($144.93) to be applied against the principal on loan 1-02. I received no response to the email and the February payment was divided among the two accounts instead of applying all extra funds to account 1-02. I then sent another email asking them to fix that month's payment and received no response. Then I tried calling them about 3 weeks ago and they said they would fix it but no changes have been made to my account. With March's payment, I again sent a similar email with instructions on how to apply the payment but it has been ignored again with the payment split proportionately based on the balances of the accounts.Desired Settlement: I would like the February and March payments adjusted to reflect a payment of $81.79 to account 1-01 with all additional payments applied to loan 1-02. I would also like all additional payments to follow this same instructions until otherwise directed.

Business

Response:

Thank you for

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

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

Postal Service on March 16, 2015. Please allow sufficient time for postal

delivery.

Review: I attended Brooks College back in 2004 , graduated 2006 its a for profit school.

I tried numerous times to try and get job through my school but was unsuccessful . I had to move back home and find my own employment. This school robbed every single student , I have about 4 loans in which I'm not sure why. They overcharged us and made us sign for them stating it was time to reapply for loan because we didn't have enough money for tuition and board. Being a 18 years old in another state thousands of miles away from home I was afraid that I would get kicked out and my mother would have to fly all the way to California from NY , I was determined to make my mother proud and stick it out and deal with the bill later hoping I would get a high paying job.

After 7 months of graduating I finally find my own job at [redacted]'s , doing nothing of what I have learned or was shown to do at my internships. 2008 I found out Brooks College shut down and was being sued by the City of Long Beach, CA from students complaining of loans and not creditable degrees. 2010 Students involved were awarded and loans were discharged. I unfortunately was not included because it wasn't my year they proven affected a lot of students. So now here I am 21 stuck with a 50k loan from a Associate Non Degree. Which they are not 80k because I don't earn enough , I have a 4 yrs old I live alone and have a lot of bills. I have tried numerous times for help and Navient reps are the meanest, asking personal questions about my life and what I shouldn't do and why do I have to put my child in a daycare cant someone just take care of him where is the father isnt the father providing child support, have I tried applying to food stamps etc . I am severely depressed and anxious every time I get a call from them. They think we aren't humans and dont have other bills. I wish they knew how hard it is to maintain nowadays.Desired Settlement: I would like my loans discharged due to the fact that this was [redacted] College wrong doing and over charging students.

Its not fair for the students who put all trust in financial aid office and its Sallie MAE FAULT for approving it and not flagging what seemed to be excessive loans in short periods of time.

Also learn how to train these is better its not right what they are doing. its invasion of privacy and if I gather enough I will be suing Navient for emotional damages to 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 June 9, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I am having issues (and have been having issues) with Navient on my student loans. Let me begin by saying that I did have some difficulties after graduation locating a job. My problems began with Sallie Mae and have continued over to Navient. I called and set up a loan payment plan to cover the costs of my loans each month. The prices were nearing almost 750.00 and I could not afford it. We made arrangements with Collections and they were very helpful at first. We had come to the conclusion that 340.00 per month is what I could afford and that was that, or so I thought. The first month, September 2014, they deducted 125.00 from a previous loan they forgot to cancel. My first 340.00 payment would not go through because they deducted the 125.00 and the rest of the funds were not there. So my first payment, I had to call and correct with them, so they refunded the 125.00, and accepted the 340.00 payment. I thought everything would be fine. I did not receive any calls or any information from them.

Unfortunately the problems were just beginning. My credit score dropped under 500 points and Navient had me marked as 60 days late on my three loans that I have been paying the 340.00 for. I am so confused. I received a call on 12/15 about a 'mistake' in their system and they just needed my approval. They were completely nonchalant about how they messed up. I have called them today because my credit has not changed and they told me I needed to wait a billing cycle because they will not call the credit bureaus.

This is not acceptable, I have been paying $50 per loan for deferrments until I found work that could help me get these bills paid. I have found the work, and I am paying the bills consistently and they are still causing nothing but problems on my credit reports and just overall stress. My mother was the cosigner on the loan, but obviously I want to take care of these payments and make sure that I am not hurting her credit.

I also do not appreciate their workers telling me I need to not be mad at them. These people have shown nothing but incompetence and I am the individual paying for it, fiscally and mentally.

I have put the total amount of the loans I owe.Desired Settlement: I really do not know what to do in this situation, because they had zero concern about how much money I did not have. They did not care about the situation they were putting me or my family into. I am working and I am trying very hard to get back on top of these financial issues and I have. I have not had problems with Wells Fargo or U.S. Government, so why is it okay for them to treat people like me, whom is paying his bills and doing his best to stay on top of financial problems. I would like some sort of compensation from them for the struggles.

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 3, 2015. Please allow sufficient time for postal delivery.

Consumer

Response: