Navient

Review: This complain involves school loans. From 2004-2006 I took out school loans from SallieMae. The loans were subsequently sold/transferred to Navient about 2014 for reasons unknown to me. Since the transfer, I have been unable access my loans. Apparantly, I am setup to receive information from Navient electronically. But I have been unable to access the website for many months. When I use the self-help guide on the website, it never works. There is also no phone number to call to assistance to my loan type. I decided to call an assistance line for a different product type. The woman who answered was unable to help me and told me that the company would investigate the issue and get back to me within a day. That was several days ago. I am still in the dark about my own loans! I recently received an email indicating the company will be withdrawing another payment from my checking account. Clearly, the company has no problem taking my money. It just refuses to give me access to my loans. Through its policies, Navient has effectively blocked me from accessing my loan information online and fails to provide technical assistance to resolve the problem. I don't know where to turn to now.Desired Settlement: I would like (and need) immediate access to my financial information. Navient has no right to continue blocking me from this information.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on August 20, 2015 and resolved the issue with the customer.

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

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

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

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

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

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

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

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on January 9, 2015. Please allow sufficient time for postal delivery..

Consumer

Response:

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

Review: I consolidated my student loans (undergrad and graduate) and the servicer is Navient. Once the consolidation was complete, I saw my first payment was due in April 2015. On Wednesday, March 11th, I logged into my bank account with Key Bank and say that an auto deduct for $200 showed for a Navient e-bill clearing on March 9th. I have made my payments in the past through setting up payments through the Navient website, not Key Bank, but the auto-payments were stopped when I began the consolidation.

When I logged on to my account with Navient, I could not locate a record of the payment; there was nothing in the transaction history. I searched and found nothing. I contacted Navient who said they could not locate a transaction either and asked that I provide a copy of the transaction from my bank account. I faxed the information to the number provided. The next day, I received an email that the documents were not received. I called Navient and, while I was on the phone, received another email correspondence that the information was just received and uploaded. Following that phone call, which was on Thursday, I waited for a response. I received nothing and again contacted Navient for an update on Friday, March 13th. This morning, Saturday, March 14th, I received a response, which I have also attached.

As I logged on to download all of the correspondences to provide to those I am contacting regarding the issue, the ones from when I originially contacted Navient are gone. They were there up through yesterday. Thankfully I have saved the email confirmations I have received and have attached them as well.

As you could imagine, this is very frustrating for me. Not just the amount in question, but the poor service, failure to resolve and the fact that significant correspondence is missing. At this point, unless Navient resolves the issue by refunding my $200, I will be out the money, which to me constitutes theft. It was taken without my consent and not applied legally.Desired Settlement: I would like the $200 that was deducted refunded to my bank account.

Business

Response:

Thank you for

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

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

Postal Service on March 24, 2015. Please allow sufficient time for postal

delivery.

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: There are two accounts on my credit report with accounts numbers [redacted] that currently have the following late payment being reported: 190 days past due as of Sep 2014. There is no way these accounts could have been late as they were in deferment and then were consolidated into a new loan. I have disputed this with the credit bureaus multiple times and they have failed to correct it. Also, they failed to mark the account as in dispute which is a violation of the Fair Credit Reporting Act.Desired Settlement: Please delete this account or remove the late payments from my credit report to reflect 100% positive payment history.

Business

Response:

A representative from the Office of Customer

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

the issue with the customer.

Consumer

Response:

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.

Review: The website at Navient, which is collecting my student loans, is very, very slow. I believe this is done deliberately by the company to increase the number of late fees they can charge, as it makes it very difficult to make repayments. In addition, the website navigation is very difficult, and errors are frequent. Each page takes approximately 45 seconds to load. In addition, if I click on "pay federal loans", and then realize I want to look at a summary of my loans overall, there is no way to navigate directly to that page. The only option is to click back on the browser, but this usually induces an automatic error message.

Additionally, I had loans with both low and high interest rates, and Navient arranged the loans in a way so that I must repay all the loans at the same time. Of course, I'd much rather pay off the high interest loans first. I believe Navient did this on purpose to trick their customers -- this is abhorrent. On top of this, there is no way to arrange automatic debit for all loans at once -- for this, I need to sign up for each group of loans individually. Again, this seems calculated by Navient to maximize the hassle associated with paying loans. They must be doing this on purpose to maximize fees.Desired Settlement: I would like Navient to (1) invest more money in their server to make it faster, (2) Stop the practice of grouping low and high interest loans, (3) allow everyone to sign up for direct deposit on all of their loans at once, (4) improve the navigation on the website so that you can go from anywhere to anywhere.

Until they do this, this company should not be handling student loans.

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 27, 2015. Please allow sufficient time for postal

delivery.

Review: My complaint is regarding Navient's handling of my student loans. I took out loans to help pay for my college education at [redacted] in Kirkland, WA. I have always made my student loan payments on time through Sallie Mae. However, once my loans went into repayment the amount of the payments was much higher than I could afford, as I have only been able to get a low paying job that has nothing to do with my degree. Sallie Mae at one point let me defer for 3 months if I paid them around $150. Navient, once Sallie Mae switched over to them, has been completely unwilling to work with me, has taken unauthorized money out of my account, and has constantly harassed me.

I called them when my deferral period was up to make new arrangements, and was told over and over again that I have to come up with the money and they did not care if I could afford it or not. Eventually someone told me that they would be able to put the loan into forbearance if I made smaller payments. This in itself does not make sense, as they just basically were charging me to not apply it to my loans. I authorized a one time payment, and they put me on an automatic debit for that amount even though I specifically authorized only one payment. When I called, I was given the run around, told that I was lying and had authorized it, was not allowed to speak to a supervisor, and told that they would review the call. They never did. Every time I called back to check on the status, they refused to talk about it and kept just asking for money.

Eventually further payments showed as due on my account, which when I agreed to the forbearance, I was told there would not be any more payments due during that time period and the forbearance would be applied to all of my loans. They did not apply it to all my loans, and when I saw payments due on my account, I went ahead and paid them which was my mistake. I thought maybe there was one last one I had to pay. When they took the duplicate amount out of my account from the forbearance in addition to that, I called them again and asked them what was going on, and where those other payment amounts had come from. I talked to multiple different people, including a supervisor (only after getting very upset and refusing to talk to anyone else), all of who could not tell me where these payments were even coming from, refusing to look into it, and refusing to give me any of my money back.

To this day, I have no idea what my real payments are, why I was being charged for a forbearance that did not get rid of my payments, I have not received any money back from the unauthorized charges made to my account, and I have been harassed multiple times daily at all times of day looking for payment. This is always an automated call, and when I call back I can never get anyone knowing what I am talking about. These calls have come in as late as 8:30pm PST, even on Saturday and Sundays.

Even with all the payments I have made in school and since, my loan balances have remained the same or increased, not decreased.

To top that off, they obviously are not careful with privacy as I have received a call from them with another person's account information left on my voicemail, and they somehow got ahold of a family member's telephone information and have been harrassing them with phone calls as well, some for me and some for another completely different person.

All of these practices are extremely frustrating and concerning. All I want is to ideally be able to defer my payments for a little while as I work a low paying job that barely covers my bills. I would even be happy if I could work out a payment plan with them that I deem affordable. I can't pay them money that I need for rent. I think these their behavior, treatment of their customers, and business practices need to be reviewed and they should be held accountable for the extremely unacceptable way they are treating their customers.

Unauthorized debits of bank accounts, harrassing phone calls, leaving personal information both for myself and other unknown customers on my voicemail and that of my family members (who I still have no idea how they got ahold of personal information of my family members), refusal to acknowledge or follow-up on the issues, and rude and unethical treatment of me as a customer and an individual are all incredibly serious offenses that need to be looked into in depth.Desired Settlement: I would like to have the option to defer payments due to financial hardship. If this is not a possibility, I want to be able to work out a very low monthly payment that I can afford. There need to be no more unauthorized charges to my account, and they need to refund what they took without authorization. They need to be able to give me a consistent payment amount and need to be able to account for where my money is going.The harrassing phone calls to myself, my old residence, and my family members needs to stop. Lastly, they need to take my concerns and my situation seriously, and make a genuine effort to work with 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 22, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

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 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: 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: -Customer service is not based in the US for Private Loans, cannot understand customer service/call center personnel

-No electronic way to collaborate with the loan servicer to lower loan payments for private loans (via extension)

-Refusal to consolidate private loans into a single loan with an affordable paymentDesired Settlement: I want to know why I can't receive information about extending my payments electronically, and why I can't consolidate my six loans into one loan that's easier to track payments for, and thus make it easier to pay you.

As for the call center personnel, I don't really care why you'd outsource call center care for people with American dollars (and thus, American financial problems) but I think it's pretty ridiculous that a business that purports to work with "more than 12 million customers" in an inflated education cost economy would feel the need to cut expenses here. There's also a human factor here: nothing quite like telling a foreigner that you're having difficulty paying your loans and balancing your budget because of it and they can't empathize with you.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on May 19, 2015 and resolved the

issue with the customer.

Review: A bit over two years ago I consolidated my student loans and was unable to select a loan servicer (a feature that since is allowed). SallieMae (now Navient) was auto selected as my loan servicer automatically. During this time frame, I have had a ton of issues doing my yearly renewal for an IBR plan (this year had to submit the document 3-4 times). I recently had my account was marked delinquent even though I have a payment in the system that is just sitting there. Also, they seemed to move my payment due date up by a day with no explanation. I have made many communications to the company and 99% they go unanswered. I had a much better servicer when I was under Great Lakes and want my loan transferred to this servicer. Navient (SallieMae in the past) has either refused or ignored my request.Desired Settlement: I am tired of getting the run around from this company and rather be with Great Lakes, who actually communicates with their student borrowers. I want the delinquency removed and my loans transferred to Great Lakes under the same IBR plan. Once transferred, I can work with Great Lakes to correct my plan if necessary. Unlike SallieMae / Navient, I know I can actually get responses.

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 11, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

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

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

Review: 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: I completed a government program to rehabilitate my student loans. In order to do this I had to come up with half of the student loan debt and pay triple the regular student loan payment for six months. In return my student loan would be rehabilitated and all negative credit remarks would be removed from the credit bureaus.. They refused to remove any negative remarks from all three credit bureaus despite my repeated requests and requests from the new lender who now owns the loans. This in my opinion is a shady loan company.Desired Settlement: Remove negative remarks from all three credit bureaus as promised. My loan has been rehabilitated and you no longer own my loan.

Business

Response:

Thank you for

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

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

Postal Service on May 15, 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 have been continually harassed by Navient since July 2015. I co-signed with my daughter for a student loan and it now in repayment status. Due to economic hardship she was told that she qualified for a program which would lower her payments. CSR explained the 3 payment options available, two of which he stated needed management approval and one that he could automatically place her provided that she set up 12 reoccurring draft payments from a checking or savings account which she agreed. Once first draft payment was received I get a phone call stating that she did not qualify for the program and it had been determined that I could actually afford to make the full monthly payment. I referred back to previous conversation and arrangements with CSR from just days before to be told that I was given the wrong information. After back and forth comments between me and CSR it was suggested that my daughter and I just resubmit my financial information again. We did and payment arrangements were set up for a second time. Days later I get another call after a second draft has been made to be told that again we had been given the wrong information and she did not qualify for payment plan. At this point Navient CSR tells me that while she placed me on hold that she has run my credit report. This was done without my consent or my knowledge. I was then told that Navient has determined that I can afford the full make the monthly payment. I receive 10 plus calls per day and each time it's a different representative trying to force me to make a payment and refusing to provide information that I've repeatedly requested (ie. username and password) to be able to access account information. When I ask for this information I am told that because information in past due it can't be given to me. I've repeatedly attempted to reset information but no luck. I have received phone calls from Navient as late as after 11:00 p.m. and this is just ridiculous. I have a list of CSR's that have been beyond rude.Desired Settlement: Adjusted Payment Plan approval

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 29, 2015. Please allow sufficient time for

postal delivery.

Review: I have been emailing and calling about my issue. I was given wrong information. Waited one hour to be transferred only for the person to hang up on me. No response to any of my emails.

I am 100% service connected veteran. I applied for a loan discharge. TPD approved my loan discharge. However, because I am a veteran. Navient is suppose to have discharged my college loans. Which they have not done.

When I called. Navients rep gave me wrong information, followed by their supervisor. Navient said for me to call Total Disability Discharge and for TPD to take care of my loans. When I did call TPD. The rep was amazing and gave me a lot more information and explained to me that Navient is the one who is suppose to discharge my loans, because I applied as a veteran.

I called Navient again to verify this information. Only to have Navients rep telling me to call TPD. Even when I was asking to be transferred to a loan discharge specialist. I waited over an hour to be transferred and no one picked up the phone. I have emailed several times about this issue. I have not received any kind of feedback from Navient what so ever. They put my loan in forbedance and the balance keeps going up. I do not know what else to do. My navient user name is r[redacted] last 4 of my ssn 4972

My TPD account number is [redacted] My college loans were approved for discharge on February 5th 2015. Navient has not taken care of it and did not provide me with any information. The information that Navient did provide me with was wrong.Desired Settlement: I would like this resolved. Why cant Navient do what they are suppose to do? Why do their reps not know how to answer my questions?

This has caused me a lot of heartache and emotional distress.

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 24, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I have entered into a payment plan with this company, and am enrolled in their autopay program. Despite that, for some reason I am continuing to get up to 10 phone calls per day from them for an "outstanding balance." I have spoken to two reps and they informed me that they are receiving the automatic payments and I am current with my payment plan; however, because of their "policies," I will continue getting collection calls until I have satisfied the "terms of their autopay policy." They cannot seem to explain what this policy is and further are unable to stop the collection calls despite the fact that I am on time with my payments per our agreement. They are claiming I owe them in excess of $800; however when I speak with an actual human, I owe nothing and the payment plan is on track. I run a business and cannot deal with these non-stop collection calls every single day, from 8:00 a.m. to 8:00 p.m. I am enrolled in autopay, they are getting their money per the payment plan this company and I agreed to, and I still continue to get phone calls almost every single day, up to 10-12 times each day. There is absolutely no reason for this as I am current on my payments, and this is happening because of some glitch in their system. In addition, I have started getting calls that are simply a recording and not an actual representative, which I know to be in violation of debt collection practices.Desired Settlement: I would like someone to contact me regarding this matter and that Navient will be investigated (and disciplined if appropriate) about their debt collection practices.

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.