Navient

Review: I paid my entire balance. They lost the money for several months, blaming me for sending the check to the wrong address. They cashed the check, failed to apply it to my account, and continued blaming me for sending it to the wrong address despite how many times I told them that after cashing my check the lost money became entirely their fault.

Now they finally applied the money to my account, but left a remaining balance that should not be there just to steal more money from me. I told them repeatedly that I do not owe them any more money.Desired Settlement: I will accept nothing less than my account with this dishonest company being closed completely. I will not give them any more money.

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 1, 2015. Please allow sufficient time for postal

delivery.

Review: I have had an account with Sallie Mae/Navient since I graduated in 2011 and it has been nothing but a terrible experience. Every person who answers the phone has a different answer to everything. There is no communication within this company and my account with them constantly has issues.

My issues with them are regarding their billing process. I had two instances while I was paying my loan for months and had received phone call saying I was 4 to 5 months past due in payments, no letters or anything in the mail either. I then found out that they had been placing my money on in inactive account and I was simply just piling on late fees on top of "missed payments," this should have never happened. My payments have the account number on them, as well as the exact amount of money that the bill is for. I am not sure how this could have happened one time, but to have this happen two times was outrageous. This had an impact on my credit of course.

Just recently I have filed for a forbearance with two of my current loans that I have through them. They told me that it would cost $50.00 per loan to do so and this would put the loans on a hold for three months. This was almost a week and a half ago. I paid the $100.00 on the phone with an employee and the money was withdrawn from my bank account. I was told this process took 24 hours. This was not the case. I had to call back again to find out that the person failed to mention that it would not register on my account until the next billing cycle. At this point I have a past due payment with this company and they have not stopped calling me. Every time I talk to a person there they "make a note" on my account and then I get another phone call 2 days later about the payment and the forbearance that they still have not fixed. This is all happening due to the fact that people are not processing my request for forbearance even though I paid for it. I asked if this was going to cause problems with my credit and the first girl told me no it takes 6 months to have something submitted to the Credit Bureau. The next girl told me 3 missed payments. As far as I am concerned no one knows what they are doing there. When I ask for a manager it never happens and simple requests such as changing a payment due date took three different people and a 45 minute phone call.

This is my biggest issue with this company I never know where my money is going and what they are doing with my account. However these are not the only issues I have ever had.

Thank you for your time.Desired Settlement: My desired outcome would be to have my loans removed entirely from this business and placed with another one who is willing to cooperate and one that I can trust with my money. I have been desperately trying to consolidate to get away from this business. I am not sure what can be done about this situation.

Thank you for your time.

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 1, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: Navient has taken over student loans from Salle Mae. I am paying my son's loan now because I am a cosigner and he can not afford to do so now. Now I received the bills. Since Navient took over the loan they claimed that I was behind in payments and charged a penalty for Past Due. I called on 11/17/2014 and paid the total amount for the two loans plus the penalty. That cost me $430.96 I have a record of that in my checking account. Now I receive the next statements and they claim I owe another penalty for past due. It's a scam. I was so upset when this first happened that I called to get paperwork to get automatic withdrawal from my checking account to avoid this kind of penalty again. After four calls for this paperwork, I have still not received the paperwork. Now I receive another statement claiming I am past due again and owe another penalty. I have taken on two loans, so I receive two statements. The bills they sent shows I owe nothing on ove of the loans and I owe a regular payment plus a penalty on the other. How can that be? I settled the last bills in full over the phone with an agent from Navient. I never had this problem with Sallie Mae.Desired Settlement: I would like the penalty removed and I want to have auto payment from my account. It is a simple solution. Why can't they send me the paperwork or let me do it on the phone. They want to continue to confuse me and collect penalty fees. It is a scam.

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 29, 2014. Please allow sufficient time for postal delivery.

Review: A representative from Navient called me in regards to loan repayment. I have an overdue amount which I am currently unable to repay. I happily attempted to resolve this issue by suggesting that we explore options that would allow me to repay an amount that I can afford monthly.

I was told that there was nothing that I could do and that I would eventually end up having my wages garnished. As I am committed to repaying my loan, I feel that being told that there is nothing that can be done puts both parties in an unfortunate situation.

I was transferred 5 times to repeat my concerns to a total of 6 different representatives. I finally reached the sixth representative, still hopeful that I would be helped with this situation. After I offered a solution that I could currently afford the representative became unresponsive and hung up on my call. I am still unsure as to why she decided to hang up on me. I was always calm, respectful and patient on each call. I just wanted to find a solution to the issue.Desired Settlement: Assist in attaining a reasonable loan repayment option that will not lead to a ruined credit future nor garnished wages.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on June 23, 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 action taken by Navient to get the issue resolved and the helpful customer service representative who reached out to me.

Review: Navient failed to withdraw the loan amount like they had been for over a year. Then they started to call me and my co-signer. I have since made a scheduled payment for a few days from now. They are still calling my grandfather (co-signer) though they are no longer calling me. When I called to speak to them about stopping these calls, I was told that it is a Federal law that they must call until the account is cleared. When I asked to speak with a manager, I was put on hold and the same women told me the same information.Desired Settlement: I wish that the company would view my lending payment and stop calling my co-signer. Calling me would be more appropriate than the person who does not have control over the account

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

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

resolve the issue.

Review: I have been paying [redacted]/ Navient since I started college now my payments are $800.00 which I pay with help from my parents as I make roughly 2000,00 dollars a month. My grandmother cosigned for my loans she has since my graduation cut all ties to me and my family because of [redacted]s harassing phone calls. We have no contact with her through her own choice. Navient will not reset my loans unless they speak to her which she refuses to do and she has never paid for any of my loans. They also continue to call me and her with recorded messages that I cant answer because they are recorded messages and its making my grandmother even angrier she is accusing me of not paying my loans and when I do call them they accuse me of not paying my loans even though they automatically take it out of my bank account , they then apologize but it happens over and over and now they said my loan payment will be going up to over $2,000.00 dollars a month if they are not able to speak to my grandmother. I would appreciate any assistance you can offer . thank you [redacted]Desired Settlement: I would like to continue paying my loans at the present rate.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on December 17, 2014. Please allow sufficient time for postal delivery.

Review: I have a student loan with Navient. I have sent three payments in excess of the amount due before each payment was due. Each payment was returned to my bank with a reason stating "invalid account number". I have contacted Navient and verified my account number and verified the account number on the checks that are being sent. I have also contacted Navient and tried to explain the problem to them and they have still returned 3 separate checks with no resolution. They also stated this is my fault and they are putting a default on my credit report each time a check is returned as it is my fault. I cannot do anything more than send them a check with the correct account # on it as I do not trust them with a credit or debit card number. They refuse to provide any help and have called several times stating I am delinquent even though I have 3 returned checks from Navient.Desired Settlement: I would like them to correct their problem and stop returning my payment checks and let me pay my loan. I also want anything negative put on my credit report from Navient removed since they returned my checks and this is in no way my fault. I am trying to pay them.

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 22, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I am a college student. I use to have my loans with salle mae and they were moved over to Navient. My spring semester ended May 19. I will return in the fall Aug. 26 and I am fully registered. Navient sent me a bill on 6/24/15 requesting payment on 6/28/15. I was never notified that my account was no longer in in-school deferment nor that during the summer I would have to go into repayment. I have never had to make any payments because I have always been in school and it was deferred even over the summers and my account will reflect this. When I contacted them on 6/24/15, they said I was not notified because they just received the information from my school yet they billed me from 5/24/15-6/23/15. I have never had to pay while on summer break. A school year consist of a spring and fall semester which I am enrolled. Salle mae said that 30 days from graduation my first payment will be due and when they switch my account they said nothing changed. I don't graduate until December 2015. They tried to get me to go into forbears and not deferment which will negativity effect my credit and my ability to apply for other student loans if I have even been in forbearance. The only option they gave me for the summer was unemployment. They said it can take up to 15 days for everything to process and I am still responsible for the payment. I was only given 5 days for the payment, how can the payment be due before they have time to process anything. This is setting me up for a late payment and late fee.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on June 30, 2015 and resolved the

issue with the customer.

Review: The company is not sending out paper bills, They automatically sent to email without my knowledge of them doing so. Then they will finally send out a statement.(they stated " bills are a courtesy") after you're two months behind. The first time I thought nothing of it, however the second "bill" that stated I owed two months amt, I contacted the company and asked why the bills aren't coming monthly, I got the response that they send them via e-mail. I was never asked permission to have this done, nor was I made aware that this is how they bill. So not only are they ruining peoples credit who are trying to build it back up because people unknowingly are late for payments, they are withholding information to custumors on their options for billing. I had requested a direct deposit form from them and the gentalman stated he would mail the form, not e-mail the form and I never recieved via mail. Upon the call today the female CS stated that it was emailed. They held themselves unresponsible for their actions and this is unacceptable business!Desired Settlement: This company should be made to disclose that unless you choose not to have your bills emailed that this is how you will recieve all communication through them!!

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on March 5, 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: Navient has not resolved a billing issue brought to its attention over three months ago relative to the application of a large payment to higher interest rate student loans. I was initially told on January 20, 2015 that the payment could be reapplied. I have received no explanation as to what is happening, despite speaking with multiple supervisors. The original inquiry was made January 2015, and it is March 30, 2015 and I still have no resolution or explanation as to why it is taking so long.Desired Settlement: I would like the payment applied to the higher interest rate loans in a timely manner.

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 7, 2015. Please allow sufficient time for postal

delivery.

Review: I have had a student loan since 2006 with [redacted]. I have NEVER missed a payment or had a late payment on ANY bill in my life. [redacted] recently made a transition into two companies. Some [redacted] costumers remained [redacted] and other [redacted] customers became members of the new company Navient. I made a ON-TIME payment of $85 on 9/29/14 which was applied to the wrong student loan. I called on 10/3/14 and spoke with Rose from [redacted] and Sandy from Navient and both customer service reps told me that since I made the payment before the official [redacted]/Navient division (10/13/14) that my payment would be applied correctly because the two companies hadn't split into two companies yet. This didn't happen, it was applied to the wrong loan and now I have late fees on my account. I spoke with Prentise from [redacted] and [redacted] from Navient on 10/20/14 and they both assured me that my payment of $85 would be transferred to the correct account and my late fees would be removed. It is now 10/28/14 and nothing has changed. My $85 has been applied to the wrong account, I have lost $85, and now I have late fees. I am actually a little reluctant to pay my 11/10/14 bill because I don't really want to be out $170 since obviously both companies are in huge disarray. On 10/29/14 I contacted [redacted] and they claimed that my payment would not be transferred for another 5-7 business days because it is “hung up” in another department. While Navient continues to send me notices that my payment is late and that I may have a complaint filed due to my first missed payment ever since 2006. It is now 11/3/2014, one month after I began this journey and the end result has not occurred. I can't even imagine what other people are going through that have larger loans than me. This is ridiculous especially when all of these errors can be messing with peoples credit reputation.Desired Settlement: #1 My $85 payment made on 9/29/14 to my [redacted] account (before the 2 companies split into two on 10/13/14) needs to be applied to the correct Navient account that I was transferred to.

#2 My late fees need to be removed from Navient because I was not late. I should not be paying late fees for a payment that was not applied correctly.

#3 I want also to ensure that any notifications/changes/complaints that may have been filed from Navient are removed from my credit. For some reason even though there are "notes" on my account regarding the payment issue that is in process I continue to receive threatening letters from Navient stating that I am "15 days past due" and my "account may damage my [your] credit rating and be reflected on your credit report." All of these complaints if any filed by Navient or [redacted] need to be removed from my credit history immediately.

#4 My interest rate was also changed to 4.75% from 3.75% as of 10/13/2014. From my records my interest rate on both subsidized and unsubsidized consolidated loans should be 3.75%. These loans were consolidated back in 2006 there should have been NO CHANGES to my interest rate.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on November 13, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: Navient has consolidated my husband's student loans, as of August 2014. The total balance reflects the original total balance of his loans, as it should, as Navient explicitly said they had consolidated all of his loans both verbally and in writing. However, my husband still has a remaining balance with Great Lakes. His total balance now, as stated on nslds.ed.gov, is much higher than the original balance that he had before going through with the consolidation, signaling that we are now paying double for all three of his loans that he has through Great Lakes. I have made countless calls between the two companies over the past three months trying to figure out where the miscommunication is between the two companies, but each one continues to redirect me back to the other company. Navient continues to insist that they have consolidated all of my husband's loans and Great Lakes continues to insist that they have never received any consolidation notifications whatsoever.Desired Settlement: 1) We would like for our total remaining balance to be brought back down to what it was originally at before the consolidation.

2) We would either like to be reimbursed for the loans we have been double-paying for over the past 4 months or have it entered as an extra payment on my balance.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on February 17, 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: SallieMae and NAVIENT

Pobox 9500

Wilkes-Barre PA [redacted], now known as Navient has been under heavy criticism over the past few months following allegations of overcharging its service members for my student loans. It is estimated that over $1.2 trillion is owed by approximately 40 million Americans and most of these have been irregularly charged late fees on the student loans.

The organization has been under investigations by different agencies including the Consumer Financial Protection Bureau, Federal Deposit Insurance Corp and the department of justice. Student loans have become the worst kind of debt for many Americans and many are drowning therein.Sallie Mae To Repay Millions Ripped Off From Student Loan Borrowers

I started the student loans with $ 28,000 dollars and now what they're telling me is the accrued amount means what I owed them is over $132,000 dollars since 1991. I was rushed to sign the hidden financial aid package without clear clarification, explanation from those banks and Ministry of education back in 1991. This amount of loan was $28,000 dollars and just sky rocketed to $132,000 student loan sounds astronomical. They should clarify, explain the pros and cons before they made me took the loan and advantage of innocent person like me at that time when they forced, enticed and rushed me to take the loan. So I’m very depressed with our financial educational system here the USA.

I strongly object to a system that is blatantly discriminatory and unfair to law-abiding Americans living inside our country. In addition, it has become too expensive, too difficult, and frankly, too frightening, to try to comply with all of over $132.00 dollars accrued student loans since 1992 true law-abiding citizens like me here living here in California. And yet, I now feel like >second class citizens at best, or criminals at worst.

By the way, this is for your own personal information. [redacted] Institute of Technology school was closed down long time ago.

Please see some facts about [redacted] .

[redacted] In 1995, [redacted] was suspended from Ontario's student loan program after a large number of its students misreported their income. [redacted] was reinstated after paying fines of C$1.7 million and putting up a bond of C$2 million.

.

In November 2000, [redacted] and another graduate of one of [redacted] University's Chicago-area campuses filed a class-action lawsuit accusing [redacted] of widespread deception, unlawful business practices and false advertising and alleging that students were not being prepared for high-tech jobs. The lawsuit contributed to a 20% slide in the company's stock. The class was not certified and the case was resolved for less than $25,000 in June 2006.

In January 2002, [redacted], a graduate of one of [redacted] University's Los Angeles-area campuses, filed a class-action complaint against [redacted] Inc. and [redacted] University, Inc. on behalf of students in the post-baccalaureate degree program in Information Technology. The suit alleged that the nature of the program was misrepresented by the advertising. The lawsuit was dismissed and refiled. During the first quarter of 2004, a new complaint was filed in the same court by [redacted] with the same general allegations. This action was stayed pending the outcome of the [redacted] lawsuit. The lawsuits were being settled in late 2006.

In April 2007, the State of New York settled with three schools that were participating in questionable student-loan practices. [redacted], Career Education Corporation, and Washington University in St. Louis were involved with the settlement. [redacted] agreed to refund $88,122 to students.

In 2008, [redacted] was accused of filing false claims and statements about recruitment pay and performance to the government.

In January 2013, a lawsuit was filed by a former manager at [redacted] which alleged that the college bribed students for positive performance reviews and worked around federal regulations on for-profit colleges. In April 2013, the attorney generals of Illinois and Massachusetts issued subpoenas to [redacted] to investigate for violations of federal law and filing false information about loans, grants, and guarantees. In July 2014, [redacted] stated that the New York state attorney general's office was investigating if the company's marketing violated laws against false advertising.

Senator [redacted]'s report on the for-profit college industry revealed that [redacted]'s tuition for an associate degree is 10 times higher than at community colleges; it has a dropout rate of 50 percent (60 percent for online students) within a median of 3 1/2 months; spending per student of less than $3,000 per year on education, about a quarter of what is spent by the University of Illinois; a CEO salary of $6.3 million, 46 times more than the president of the University of Illinois; and evidence of deceptive recruiting of students. Two state attorneys general, Illinois and Massachusetts, are investigating [redacted].

Please assist.

Thanks you;

[redacted]Desired Settlement: I strongly object to a system that is blatantly discriminatory and unfair to law-abiding Americans living inside our country. In addition, it has become too expensive, too difficult, and frankly, too frightening, to try to comply with all of over $132.00 dollars accrued student loans since 1992 true law-abiding citizens like me here living here in California. And yet, I now feel like second class citizens at best, or criminals at worst. The Salle Mae want me to file every year, detailing the amount in every single financial account I have, from savings to checking. The message given here, along with the enormous fines for improper filing, make U.S. citizens feel like they are guilty until proven innocent. 40 million borrowers are affected.

Further, I’m not sure that it should be legal for an unemployed person to take out of loans for anything, without demonstrating they have had the interest and success of obtaining some employment in that field, or a field, and/or are even capable to hold a job to pay it, showing they are responsible – I’m not sure that makes sense to me.

$132,000+ student loan sounds astronomical - should there be limits on loans?

I’m 53 years old and live in California. I graduated in 1992 and all the things I learnt is now obsolete and couldn’t find a job. I am writing with a heavy heart as I, and my family, are all seriously struggling with this student loan since 1992. I am addressing this issue for you. Secondly, I am writing as I have GERD gastroesophageal reflux disease (stomach) and Discogenic disease at c5-c6 c-7 spinal cord problem. I am very sick and will be on medication for the rest of my life. Also, it’s taking away my concentration, energy and distracting me from being 100% functional. I did everything I was supposed to do and I have nothing to show for it. Currently, due to my sickness I can’t work full time. I am doing this not to avoid the situation and we’re all law-abiding Americans living inside and outside the country. In addition, it has become too expensive, too difficult, and frankly, too frightening, My family and I are running low on our life. All of this is taking its mental, physical, and emotional damage on us. I’m almost given up all hope in pursuing my dream. I never thought I’d be in this situation at my age. Here in America hoping to raise my family in a better economy with opportunities and fulfilling dreams. But all I have gotten is grief and struggle.

The US Education Department will also allow borrowers who have a loan from the Federal Family Education Loan Program and a direct loan from the government to consolidate them into one. The consolidated loan would carry an interest rate of up to a half percentage point less than before. This is affecting over 40 million borrowers.

Student loans are the No. 2 source of household debt. Today, there are 40 million borrowers with $1.3 trillion in loans under the Federal Education Loan Program. Last year, the Education Department made $102.2 billion in direct loans to 11.5 million recipients. They make money to lend these student loans – so they keep doing it, and students take the loans, because they

Are allowed to – and there is no accountability to the banks, because the government will not allow them to fail, so they

Keep giving out bad debt.. And vicious cycle, they don’t care if the people fail and receive bad loans which they will never payoff - they are suckered in.

What America is doing to its own citizens is not right and I have had enough. What I have outlined here is only part of the problem. All I want in return for fulfilling our responsibilities as Americans is to be treated fairly and equally. . I am asking my student loans to be waived, charged or forgiven.

What a sad state of affairs for America and for its citizens everywhere.

Regretfully yours,

Business

Response:

Thank you for

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

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

Postal Service on August 31, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: I have been paying on my student loan since 12-2-10, my loan started at $5753 and as of today 2-2-15 I still owe $3,136.39. They are totally taking advantage of interest rates. My student loan should be down to $1373.66 that means they are charging me $1762.73 in interest alone. I wrote saying I would be happy to pay off my loan and pay $626.34 for interest that would be a total payment of $2000. They wrote saying no they wouldn't. I just want to expose them for the money hungry business that they are. I have been an excellent customer and have made my payments on time every single month. I think it's wrong they give deals to people who don't pay their student loans but to the ones who do pay they say screw you.Desired Settlement: I want to pay off my student loan in the amount of $2000. That would be the $1373.66 I actually owe along with $626.34 for interest.

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.

Review: Good morning, In 2009, I had several student loans. One of them I requested a hardship but was denied. So, I paid it off. This was 3 or 4 years ago. Then, a few weeks ago, Navient sent me a bill for a student loan. I told them I no longer had any student bills. Navient stated that they bought the loan and I owe them. I told Navient to show me the paperwork from the prior loan company. They refused and sent me a form letter regarding privacy. As I told Navient, I'm not going to pay on a balance from 4 years ago, and from a company I haven't heard of without proof. I am also not willing to set up an account on their website because I don't know where their bill originated. My account number with Navient is [redacted]. Navient is being very uncooperative, especially since they just need to show me proof and who the loan was originally from.

Thanks so much for your time. [redacted]Desired Settlement: I just want know why I apparently owe a few thousand dollars.

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 13, 2015. Please allow sufficient time for postal delivery.

Review: When Navient was still Sallie Mae I took out four student loans. I was able to pay off two them before the name change. They were removed from the website and I received letters telling me that they were paid off, as well. When the name change took place these loans reappeared and began collecting interest. I have called Navient twice, both times they have agreed the loans were pain off and said they would be removed. They have not been removed and continue to collect interest. Having two loans reappear on my credit report is damaging my credit. It appears that they do not care and they are not following through with the promises they have made to fix them problem.Desired Settlement: I would like these loans removed, the credit bureaus contacted about the error, and I would also like an account review to make sure they are not mischarging me on my other 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 June 9, 2015. Please allow sufficient time for postal

delivery.

Review: They gave my phone number out. I have a co-signer and had inquired in 2014 about a release for the co-signer.At that time I had requested to make 12 payment in advance,and that was refused. In Jan.2015 I faced severe financial hardship. Jan. Pymnt was made in February. As of today I am up to date on payments. They will not allow me to follow thru with co-signer release. I begged and pleaded to no avail. The co-signer received a letter informing her of late payment, proceeded to call Navient and they gave her my phone number. Because of the late payment she states she will take me to court if I don't get her name released. She has never had to make a payment, I have explained to Navient I can supply documentation proving my financial hardship, and they still refuse. I have tried a number of times to work this out with them, with no luck. When I was paying minimal amt.in the past, it was not mentioned that it would effect the release. Then they raised the payment by $30.00 an offer to pay a year in advance was refused, and pymnts were made monthly on time up until Jan. 2015. When I called and said I didn't give permission for my phone number to be given out, I was told it didn't happened. When I called back to inform them I placed a complaint against them with the Revdex.com, the representative said she pulled the call from the co-signer and turned it over to her legal department. They take situations such as this serious. She apologized for my number being given to the co-signer.Desired Settlement: I want the co-signer release.

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 11, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I recently filed a complaint against this company due to their questionable practices. They offered me a settlement offer which I paid. Now I cant get a hold of anyone to update my records. They are still showing I have a balance and am past due. I contacted the collection company who took the payment and they stated yes for sure this will take care of the loan. [redacted] also sent me a letter saying this will take care of it. I need my information updated since it is getting in the way of me getting a home loan.Desired Settlement: Report my account as settled and paid to ALL credit bureaus. Update your website. Do as you promised.

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 11, 2014. Please allow sufficient time for postal delivery.

Review: I currently have three student loans on my credit report that have late payments that shouldn't be on there. I have been very diligent with paying these student loans. Account numbers: [redacted] have the following late payments being reported: 180 days past due as of Jan 2009; 150 days past due as of Dec 2008; 120 days past due as of Nov 2008; 90 days past due as of Oct 2009, Oct 2008. There is no way that this is accurate.Desired Settlement: Please remove these late payments and report 100% positive payments.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on August 17, 2015. Please allow sufficient time for postal delivery.

Review: I was called by a collector on my student loan. When I advised I was having trouble logging into my account in order to apply for forbearance, as I'm going through financial hardship, he advised he could help me but first I'd have to make a payment. I advised I could not make a payment and wanted to log in to my account to apply for forbearance. He advised he could do that for me - after we were done, I asked to transfer to someone who could help me with my login issues and he hung up on me.Desired Settlement: I'd like a rep from the company to call me and resolve my issues logging in. I'd also like to have the collector that called me forbidden from contacting me again. I have no problem attempting to resolve my student loan - but I will not be harassed or intimidated by someone who thinks that by speaking quickly they can get me to make a payment when I'm not in a position to do so and I have all rights to not do so.

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 20, 2014. 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.