Navient

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: 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: 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: I am writing to file a complaint against Navient in order to try and get something resolved through the Revdex.com. I have been communicating with this company since February of this year 2015 in hopes that we could get somewhere regarding my student loans. I have student loans that are being reported by Sallie Mae now known as Navient and they are still reporting on my Credit Report after 13 years. I have reached out several times to several employees at the office of the consumer advocate number (Navient). I spoke with a guy named Nick who sent me something regarding my account and I asked him for more information, I haven't heard back from him since March. My loans have been paid ands closed with this company for years now, please delete these negative tradelines from my credit report immediately. You are in violation of reporting these items on my credit report inaccurately, plus not to mention they are time barred as well. ThanksDesired Settlement: I would like for Navient (Sallie Mae) to please delete these negative tradelines from my credit report immediately.

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 9, 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: Navient calls me more than 5x per day. Starting at 5am. They call again at 6am and then again at about 8, EVERY DAY. Even when I'm paid up. I have alerted them many times that I live in California and that it is unacceptable to call me so early. Their response was for me to change my number so their system doesn't think I'm on the East Coast.

The moment I fall behind on my heartbreaking monthly payment of $1200, they call me AND my mother. Even though the loans that she's cosigned on are fully paid up first each month.

I've reached out to them to let them know that I lost my second job and see if there was something that I could work out to lower the monthly amount for a few months so I don't go bankrupt. They gave me one month of forbearance and told me it was all they could do. Now I'm stuck with a company that is ruining my credit AND harassing me.Desired Settlement: I would like to work out a temporary solution that allows me to get my finances back in order such that I can get back on track with paying them. I would like them to stop calling me 5x a day to demand money that I don't have. I get that I owe you money. The phone calls don't put any into my bank account. I'm working 16 hours a day and about to move out and crash on someone's couch for a few months (again) to try to be able to pay the $1200 a month. All I ask is that they be human and aid me in coming up with a solution. Also, fix my credit back. My family has paid them like $40k so far. I don't think hitting a rough patch for 2 months warrants punishing me for years.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on December 8, 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. I appreciate the Revdex.com for being a resource to give power to those who may not have the means to be heard.

Review: I have never been so frustrated with a company in my entire life. The lack of understanding the employees have with their own policies and procedures is astounding. I truly do not know how this inept business is open. On any given day you can speak to 2 different associates and get 2 totally contradictory stories on the same issue. On December 6, 2013 my husband and I spoke with a young lady named Kelly in another attempt to end the annoying phones calls. My husband had to speak with her because after countless attempts my name still wasnt on the account. So again he requested that my name be added to this account. We also set up automatic payment so $63.43 was to be withdrawn from our checking account on the 3rd of each month. We even made the first payment that evening with Kelly and she gave us a confirmation number of 813419495. The following month quoted amount came out as scheduled. After that the amount varied and so did the withdrawal date. I took into consideration the 3rd may fall on a holiday or the weekend but this shouldnt be the issue every month. Finally I just waited until the funds came out before I recorded the transaction in my ledger. For several months payments continued in this fashion. We actually let ourselves believe all was finally well with [redacted]. In October I fully expected payment to withdrawn on the 5th. It wasnt. We even received a notice that stated, This is not a bill. $62.97 would be debited from the designated bank account and credited to your loan account on 10/3/14. It wasnt. Then on October 14, 2014 we received a statement with a past due amount of $62.97. No explanation of any kind appeared in the comments area. So of course I called [redacted] and spoke with a young man name Ram. I told him my name and my reason for calling. His response, Your name isnt showing up on the account. Yes, I was a very upset at those words but I wasnt surprised. At this point all I wanted to know was why wasnt the automatic payment made. We hadnt cancelled the arrangement; the money was in the account, so what happened. For several minutes I listened in silence as Ram tapped on his keyboard. Knowing Ram couldnt give me any information I immediately gave the phone to my husband as soon as he walked in the house. My husband found out that [redacted] cancelled the automatic payment because they were misinformed about a bankruptcy. According to their records a bankruptcy was filled in our names in November of 2013. If that were case then why did Kelly set up auto payments in December of 2013. Anyway our bankruptcy, which was actually filled in May of 2011, isnt an issue. We were paying off the loan. Now to rectify the mistake of [redacted] we were told we had to go online and re-enroll in the automatic payment. Do we really want this company to have access to our bank account??? The best part on October 18, 2014 we received yet another letter stating our account is at least 10 days past due. It would be past due if [redacted] had confirmed their information and hadnt cancelled the automatic payment from our account.Desired Settlement: We have accepted responsibility as the co-signers. Clean up our account. We have been trying to pay off this horrible company on our son's behalf since 2008.

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 4, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

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 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: 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: 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 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: 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: Navient sent a notice that they were a part of Sallie-Mae and that they had made repeated attempts to contact me. The only contact I received from them was on the 29th of December it was dated the 9th of December that said I had to contact them by 30 which I did. They asked me and I quote" can you handle a payment of 400 and something" I told them I could not, then they asked "how about half that 200 and something"? I said what is the exact amount and was told they could not tell me that until it was processed, they didn't even send me a bill with any details. What I want is a detailed bill with exact amounts on it that I have a legal right to before I send some company money that I never herd of before. Also when I asked them if they could process it and call me back with the details they said they could not. Also they sent me emails, if they are a part of Sallie-Mae they should know I do not have and email I had to set the one up I gave you at a friends house because I do not have internet.Desired Settlement: I want them to send me and itemized bill and an exact amount for monthly payments to my house., no emails or phone calls.

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: I went though a service to get my loan back on track, they then proceeded to return my loan to sallie mae/navient.

My first payment was due on 1/1 of which I had until 1/16 to pay before late fees were accrued.

I went on line to pay my bill and it showed, for the loan number I provided, that I was late by FOUR MONTHS!

I called the number on my form (and MAILED in my first payment) no one was available and I was transferred to a collection agency.

I called them again this morning to see what their issue is and to resolve it, they stated they couldn't help me and to call the collection agency. I have more than one form of proof stating my payments were to start on the 1st of January and no other paperwork stating otherwise.

Their lending practices are totally wrong, the reason when I went to school and picked a lender it was NOT them. Somehow they got a hold of my loan without my permission.

I am on a limited income and the only household provider, caring for a disabled person. I cannot afford to be screwed by them.Desired Settlement: I want any negative reporting against me dropped and I want them to figure out what they are doing wrong and rectify this issue immediately.

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

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:

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 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: In June 2014 I agreed to make payments against student loans taken out by my son under terms of a rate reduction payment plan. Some of my son's loans came due prior to completion of his doctoral degree and he had not yet found sufficient employment to undertake repayment. Two sets of loans had come due.

We arranged for monthly payments against each set of loans to be automatically charged against a credit card. It was up to Navient to divide our single payment and allocate monies against each of the loans per the repayment schedule. I must point out that the single payment plan was Navient's approach. Ever since; Navient has failed to properly allocate repayment monies between the two sets of loans. Therefore we have been caused to be "late" against one set of loans every month since.

I have called Navient once or twice each month since July 2014 speaking with many different customer service reps. I am not going to take the time to forward a log of these calls but can do so if necessary. Initially I was quite patient with Navient. Now I am beyond frustration. Navient has never been able to "get it right" and I am at a loss.

I have spoken twice with a supervisor in February 2015 named John Ramsell at 765-283-3219.

Subsequently I spoke with his supervisor whose name is Jaime at 765-283-3213. Both assured me that the problem was internal to Navient and that they were going to resolve the problem. Most recently on March 2, 2015 I spoke to a gentleman named John who assured me he was going to fix the problem. He gave me confirmation numbers . My most recent statement however shows that I am in arrears against one set of loans.

The most serious aspect of this issue is that Navient is constantly calling my son to remind him that he is late on his payments when in fact he is not. It is rather an allocation problem internal to Navient. Navient has also reported him to credit reporting agencies when in fact payments have always been (automatically) made on a timely basis since the agreement was made. I do not know if they have placed a blemish on my own credit record. I have been assured that a retraction of these reports would be made but it has not happened. There have been no late payments though late fees have been charged.

I fail to understand the length of time we have had to endure this problem. We are serious about attending to our financial responsibilities but are really tired of being harassed about "late payments" when in fact it is Navient's issue alone. We are also quite upset that our credit report has been impacted when we have made a consistent good faith effort.

Please help.Desired Settlement: like for Navient to ensure 1) proper allocation of monies paid 2) a full retraction of negative crediit reports removing any rference to late payment ssince none have been made 3) a cessation of harrassing phone calls when the problem is internala to their organization and is not our fault in any way

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 25, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I filed bankruptcy in 2014 and because of this I couldn't make payments on my student loan and Navient blocked my access to my online account. I have always paid online. I had received a letter stating my student loans were no longer through Sallie Mae but they were now Navient. When my bankruptcy was released I didn't receive any correspondence I had to call them do find out when my loan was due and by then I was already past due because even though I requested mail correspondence they were sending everything to my email account. . Since my bankruptcy has been released I have spoken with several different customer service reps trying to get online access to my account again. Every time I speak with someone I am told to give it a few days and I would be able to access my account online. My payments are late every month because of the way my paychecks fall. I pay through my bank account and a person at Navient told me that it could take 10-12 days to post to my student loan account with paying through my bank. But if they would allow me access to my online account I could pay directly to them and they wouldn't be late. I get collection calls from them. It was so bad one day I had to threaten to complain about harassment because they called me 5 times in a row. Every time I call them I get nowhere. I still do not have access to my online account and I have been dealing with this since October of 2014.Desired Settlement: They don't charge late fees so refund necessary. The only thing I want is to be able to access my student loan accounts online so I can pay them on time.

Business

Response:

A representative from the Office of Customer

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

issue with the customer.

Review: Navient took TWO auto payments for 2 different amounts on Feb. 13,2015. Navient processed an unauthorized bank debit and did not tell me the truth in the way they would return my money. They took the money on Feb. 13, 2015. I didn't become aware until I had an overdraft. I was given the run around from Feb.18 until today March 10th. They took my routing and account number and was told the money would be returned electronically with 5-8 business day. I followed up on 2/26/15 and was told it was approved and pending , that I should see it back in my account within 2 days. The I followed up again on 3/2/15 and was told " yes , it is still pending" you should be getting it soon. In yesterday's mail I received a check for $70 to cover my overdraft fee and one check for $34.79 that I did not understand. I called today to find out where my $430 was and why has it not been returned. Today I found out it would be mailed to me in increments of 5 payments of different amounts. AND now I will also have to wait for EACH one the clear!!!! I have been running late on all my bills and have suffered tremendous anxiety over not getting my money. I have been lied to and given the run around. They should not be allowed to operate like this. No one should be treated that way when they are not at fault. I still have not received the remaining 4 checks and don't know how long that will take.Desired Settlement: I feel I should get a billing adjustment on the next auto repay that is due to them. They take $467.38 the second Friday of every month.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on March 19, 2015, and we are working with the customer directly to

resolve the issue.