Navient

Review: I am trying to pay of a student loan, and the monthly amount due keeps changing every month, they increase the monthly amount due by $100 to $200 per month. I want to be able to pay a fixed rate per month, where I can still afford my other living expenses and be comfortable. When I talk to them the only way they can help is by these need based programs which do not benefit me, as my husband and I combined make too much to be in "poverty level" but they don't take into account that we live in one of the most expensive cities where rent eats up a lot of our income and we are still trying to save money. With the monthly amount constantly changing, it makes it nearly impossible for my husband and I to budget.Desired Settlement: I would like to have a fixed monthly amount due per month that will not increase in amount, and that I can commit to paying per month, so if I get a pay raise, I don't have to worry about Navient taking it away from me. I feel a reasonable compromise would be to pay $400 or $500 a month. I don't even care if that means it will take longer for my loans to get paid off, that is what I can comfortably afford.

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 25, 2015. Please allow sufficient time for postal delivery.

Review: My loan balance on 7/23/15 (as clearly shown on my online statement) on was over $ 29,000. August 8th I paid $29,000. It clearly shows online, that we paid $29,000, but our statement balance is still over $10,000 -- it should now be less than $1000. I have called them twice, been on the phone with them for a very long time -- it is so clear -- but they do not acknowledge, that they made a mistake! In other words, they are not willing to apply our payment to our balance! It is unbelievable!!! What is this company?Desired Settlement: The payment we made needs to be applied to our loan.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on August 25, 2015, and we are working with the customer directly to

resolve the issue.

Consumer

Response:

Review: Sallie Mae now known as Navient was obtained and paid for in full by my ex-wife back in early 2003 with funds from a [redacted] Credit Union Visa. My ex-wife received no further communications from the company and now they are sending the balances to multiple collection agencies trying to collect over $6500 from me that was not obtained or used by me. I have contacted Asset Recorvery and Integrity Solutions multiple times that this was not my bill and that it was paid in full back in 2003, but Navient continues to send to other collection agencies to obtain payment on something that was resolved.Desired Settlement: Remove this bill previously paid in 2003 from my name, clear debt from all credit agencies and stop the continued harassment by Navient and the collection agencies hired by the company to obtain funds that were not obtained or used by me.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on August 31, 2015 and resolved

the issue with the customer.

Review: Their webpage works, except for the manage your loans part. Every time you click on manage your loans, to change your payment plan, or look into your payment plan it comes up as an error screen. This is a multi billion dollar industry that for some reason, even after notified that they have a page error doesn't seem to want to correct their web page. Right now I pay 640.00 a month in student loans, 600.00 is interest, and 40.00 is put towards a principle balance of 110,000.00 dollars of student loans.Desired Settlement: I would like them to fix the webpage, so I can go in and change my payment plan form income based, to a ten year pay back plan. This way I can actually pay off my student loans before I'm 90.

Business

Response:

Thank you for

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

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

Postal Service on September 15, 2015. Please allow sufficient time for

postal delivery.

Review: FALSE information reported on credit report linked to social seurity account **-6*78. Balance of $0, listed for 6 accounts. These accounts are incorrect. Open dates for accounts are Feb 1 and Feb 2, Mar 1 and Mar 16, Aug 1 and Aug 3, 2009.Desired Settlement: REMOVE ALL ACCOUNTS LISTED as DEPT OF ED, NAVIENT LINKED TO ACCOUNT [redacted]-**-6*78.

Business

Response:

Thank you for

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

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

Postal Service on September 23, 2015. Please allow sufficient time for

postal delivery.

Review: I recently wrote to Navient in June 2015 informing them that my student loan accounts were being reported inaccurately on my credit bureau reports. In the letter, I submitted documentation showing how Navient was reporting many late payments from time periods when my loans were in forbearance. They refused to make the necessary adjustments to my credit bureau reports. Navient was reporting late payments for the exact same months that my other loans were reporting forbearance... big discrepancy. Navient has a reputation of slighting, exploiting, and preying on its customers as shown in recent headlines. This happens to be another example of such.Desired Settlement: I want Navient the remove the lates from my credit bureau reports.

Business

Response:

Thank you for

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

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

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

postal delivery.

Consumer

Response:

Review: I tried to make a payment with my credit card today, for which I have been paying since 2007 as co-signer on my grand-daughter's student loan and was told I couldn't because a payment wasn't due. Thats right because for the last 6 months or so I have been paying 2 or 3 payments at a time with the same credit card. They told me I can only pay with my debit card or give them my checking account number. I told them that wasn't going to happen, I do not give that information to anyone. I spoke to a representative, a supervisor and a higher supervisor which all told me the same thing, the last supervisor, trying to explain that it's because of a bankruptcy matter that could take palce with the credit card they can only except a credit card to catch up a payment. I only owe a balance of $452.24.Desired Settlement: pay off in full with credit card

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on October 14, 2015 and resolved

the issue with the customer.

Review: I applied for Teacher Forgiveness and it was rejected. Once, they rejected my Teacher Forgiveness application they put my loan in forbearance and raised my interest rate. When I called about this mistake and to get out of the forbearance they would not let me pay my October payment and told that me my interest rate should go back down by Oct. 29th. I did not ask nor did I need to go in forbearance - I just applied for the Teacher Forgiveness Loan. Navient can't explain why this happened and why I can't make a payment on my loan.Desired Settlement: My interest rate should go back to 3.5% and I feel they should compensate for this mistake and pay my October payment of $129.

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 30, 2015. Please allow sufficient time for

postal delivery.

My loan was transferred from Sallie Mae to Navient in the fall of 2014. I have never had any problems with Sallie Mae. This particular loan was taken out in my parents' names, as they got a slightly better interest rate. It was just for my freshman year of college, 2006-2007. They have never made a single payment on this loan. Since the first payment, they have had nothing to do with it- it has always come out of my bank account, the contact and billing information are for me. The loan just has my mother's name on it. If I experienced any log-in problems, Sallie Mae always helped resolve them with no issues, because I have my mother's SS#, birthdate, and any other pertinent information. If I needed to change the password, they always helped. Navient is staffed with rude, incompetent people, and they ave the most ridiculous policies regarding accounts information.

I was out of town when my student loan payment was due, and did not have access to the internet. My husband went online to pay it, and made a typing error when trying to log in. It locked him out of the account entirely. Navient requires customers to call them to unlock accounts (I never had to call Sallie Mae for anything.) When I called, they said that my mother would have to contact them to unlock the account. I had all of her information, but that didn't matter. I asked them what the procedure was if she was, say, in prison or deceased. They said that they might be able to work something out if I was able to produce a death certificate, but other than that, I would have to call. I told them that I would like to register a formal complaint because surely there are several people throughout the nation who have student loans in repayment who are not in easy contact with their parents. I was so angry with the experience that I waited several weeks to call back (again, I now have to call to make my payments, rather than conveniently make them online- and the automated system does not work on the weekends, apparently) and ask another customer service representative if they could be of assistance. Again, they were of no help, and said that only the person who signed for the loan could reset the account. I asked how they could tell who they were talking to- I have all of my mother's information, and the contact info is mine. I pointed out that even if they had voice recognition software, she's never spoken to them before, so they'd have nothing to compare it to. I will call again in a week and just give my mother's name. I hate that I have to resort to lying to access the account, but this is ridiculous. I have never had such terrible customer service, or dealt with such insensitive people who are so unmoving.

I received two credit alerts in the same month stating I am late on my account. I called Navient and after providing the dates that each payment was drafted from my account, since I am set up on an automatic payment program, I was placed on hold. The hold was eternal because no one ever came back to the phone! I have continued to call with no resolution and this is hurting my credit!!

I called Navient mid May to pay my forbearance fee and bring my loan current, since I had missed two payments (April & May). During that call, I was told that I couldn't make any changes to my account until the payment posted. So I called a few days after that & the representative was still unable to assist me in making certain changes to my account, which would make my repayment plan more financially affordable. So on June 5, 2015, I called and spoke with another representative who seemed to be very knowledgeable about my loan and the different options I had to lower my monthly payment. I was told that I could enroll into a two year interest only program, which would drop my monthly payments to a reasonable amount and I agreed. Also, during that I call I asked if I was able to change the due date of my monthly payments and the representative told me to pick any date between the 1st and the 28th. At that time, I choose a due date of the 28th of every month, but it wouldn't become effective until the following month (July). No problem from me there, I could handle paying the high monthly payment one more time, so that I could have some financial relief for the next two years. So fast forward to today, July 8th, almost one month to the date of my last call, I check my account online and it shows that the full payment is due on July 15th. This is COMPLETELY WRONG, at least to my knowledge. So once again, I call Navient and I'm told by the representative that my payment due date had not be changed and I was not eligible for the two year interest only payment program, meaning that I still would have to pay the entire monthly payment (principle and interest) on the 15th of July. I asked her to forward me to her supervisor, because I needed someone to explain to me why I wasn't informed about not being eligible for the program, and why my due date hadn't been changed, since I was reassured on the call from June that everything had been taken care of. So the supervisor tells me she didn't fully understand why I was rejected for the interest only program and why I was never contacted about it. By now, I'm furious because she's basically telling me I'm stuck with the high monthly payment that I cannot afford, and the monthly payment due dates can only between the 1st and the 22nd of every month. Navient is the WORSE company ever and I don't trust them AT ALL. I don't believe anything that they tell me because they always go back on their word and they are ROBBING hard-working people for every penny we have. No viable solution was offered to me for the miscommunication and lack of knowledge. All she kept saying was she's sorry....... I'm sorry to because someone who matters will read this post and make some good changes.

Review: For the past 3 months I have received 2-3 phone calls per day at the same time 8 am and 6pm or 7 pm from Navient. I get 3 sec voice mails and sometime just chatter on the voicemail. I have explained to Navient customer service that at this time I can not afford to pay them due to the amount of money I currently make. Yet they proceed to call everyday twice a day and on Saturday also. I have always been courteous to the customer service agents and have ask a manager to please not call so much. This is becoming very inconvenient and harassing.Desired Settlement: I understand I owe the company for student loans. I would like the phone calls not to be so much. 1 phone call a month is sufficient not 2 phone calls a day especially on Saturday mornings. I am willing to work with Navient to attempt to pay my 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 April 7, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

I dont get how sending me a bill in the mail resolves this matter! Although the business has not confirmed they will not call as much as they have the phone calls have stopped. If Navient decides, however to contact me as much as they did before I will take the necessary steps needed to male them stop.

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 Department of Education loans serviced by Navient. In April 2015 I decided to refinance select loans which had high interest rates with another servicer ([redacted] Bank (DRB)). I had two loans which had very low interest rates (loans 1-05 and 1-06) that I decided NOT to refinance and keep Navient as my loan servicer. This was discussed and clearly communicated with both parties (Navient and DRB). DRB overpaid the pay-off loan amounts, and both parties (Navient and DRB) indicated this would not be a problem and the excess money would be refunded to DRB. Navient did not apply the payments as directed (to all loans EXCEPT loans 1-05 and 1-06), and instead applied the over-payment to these loans specifically instructed NOT to pay off. I have called Navient numerous times every few days for the last 4 months in order to get these issues resolved and get the same response every time: "There is nothing I can do, my supervisor will call you within 24-48hr." I have had at least 15-20 different people tell me this and have received no calls, emails, or communications of any kind regarding this issue. Generally when I call a representative tells me that someone at Navient has canceled the requests that previous representatives have placed without contacting me at all to ask for additional information. I have called and asked to talk directly with supervisors for the last six weeks to no avail.Desired Settlement: At this time I currently have 2 standing issues that need to be resolved: 1.) On 6/1/15 a portion of these payments had been issued a refund check for $3130.86 which was mailed to DRB, however Navient sent this check without any identifying information that the money should be deposited into my account. DRB has no documentation of receiving this check from Navient, thus the check was either never sent/delivered or DRB received it and had no idea what to do with it given no identifying information and sent it back. This check needs to be reissued, including identifying information that the money belongs to Katherine Allen, or the check needs to be sent directly to Katherine Allen to avoid this confusion. 2.) A portion of the overpayment has still not been refunded. I am still owed $1027.59. Every payment applied to loans 1-05 and 1-06 on 4/10/15 needs to be refunded. Overall I am owed a total of $4158.45 for incorrectly applied payments to loans 1-05 and 1-06 on 4/10/15. Prefere

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on July 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.

Review: [redacted] posted my August loan payment to another account and they have failed to correct the issue. I have contacted them numerous times since August and submitted my bank account summaries on three occasions. I filed a complaint with the BBS and I was contacted by Andrew Reinhart. Mr. Reinhart informed me that my payment was posted to another account and that it would take a few days to correct. I requested docuamentation that this error would not affect my excellent credit score and I never received any documentation instead I received three letters (dated 10/1/14) stating that my account is past due and that my report information regarding my loans will be sent to consumer reporting agencies and this may damage my credit rating. This is unacceptable as I have made my loan payments on time every month. I have been dealing with htis issue since August.Desired Settlement: Documentation stating that [redacted]'s error will not damage my credit report. I want [redacted] to credit my account for at least one month if not three months due to this not being corrected since August and it was their error. I want all documentation of past payment reminders to stop and my account should not be reported to consumer reporting agencies.

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 email on October 28, 2014.

Review: My student loan with [redacted] (now Navient) was "PAID IN FULL" and discharged Noe 2013 Ch 13 Bankruptsee. I called faxed, mailed, spoken and last communicated Navient ([redacted]); they can't understand a 0 Balance account was tranfered to them and regenerated as it was never paid off. I'm am going crazy trying to get anyone at Navient to read the Ch 13 itemizes pay off I've sent but the cannot read; keep asking me for proof when in fact they have the proof as they are [redacted] (aka Navient.). The, Education, loan service.Desired Settlement: Closing account as PAID IN FULL.

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.

Review: I paid off loan ending in 7956 on 10/16/14, however, Navient still deducted a payment for $17.91 on 10/20/14 through automatic bill pay. Therefore I had a negative balance of $17.91 in my favor. I called to complain on 10/21/14 about this incorrect auto pay and requested a refund to my bank account. I was was supposed to be issued a refund within 14 business days. I called today, 11/10/14 (14 business days later) to inquire about my refund and was told that the $17.91 amount was applied to one of my other loans. That is NOT what I requested and was transferred to a manager named Jen (#C42581). She said that the first request was done incorrectly and she was going to process the request for a refund again but that it would take another 14 business days. I am concerned that I have to wait over 1 month for a refund and also that I will be charged again on the 20th of this month on auto pay when the balance of loan ending in 7956 is zero. Please help!Desired Settlement: I would like to get a refund for $17.91 back to my bank account and also be assured that I won't be charged on the 20th of every month through auto pay for loan ending in 7956 when the balance is zero.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on November 17, 2014 and resolved the issue with the customer.

Review: I have tired to work this company but I have been given false information over the phone and by mail. They told my that my loan was going to be reduced. Later, they explain that the loan would be on hole until May 21, 205.(tape recorded conversation), However, I am received letter in the mail explain the loan is due.Desired Settlement: I want a agreement in writing about the loan. Did the company reduce my loan? Did the company process my information that was certified (09/2014), was my loan placed on hold(tape recorded conversation can be requested). They need to honor they agreement with be by phone.

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 21, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: This company has processed a payment for my student loans that will be deducted on January 8th, 2015. The loan should be in deferment until my graduation or until I discontinue at minimum a half-time enrollment status. I have notified the lender on multiple occasions that I am still enrolled and in school. They have stated that they have no proof from the school that this is so. I notified the school that this was happening and they informed me that they have been having numerous problems with this lender since the switch from Sallie Mae. The school has set times that they send out enrollment status updates and have always done it this way. The school will be sending out the new enrollment status on January 20, 2015. The school hasn't had any issues with any other lenders with this procedure. Navient is the only one that request payment prior to receiving the new update from the university. I should not have to pay simply because they have not received an update yet. There has never been a notification from the university to the lender that I am no longer enrolled.Desired Settlement: I would like the money to be refunded to my account since there is no way for me to prevent the funds from being withdrawn due to their automatic debit policies. In addition, I would like them to wait for an update from the school before decided to demand payment.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on January 13, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: An account I had with [redacted] was sold to Sallie Mae and quickly send to Nelnet (Which I paid off). The balance was very low and for years Sallie Mae has been reporting incorrectly on my credit report. I had called SM to verify accuracy and all they told me it is correct. I asked for proof and they would not forward me any information. I would dispute with all 3 credit bureaus and they would just say verified again with no proof. Here is what appears Partial Account #[redacted]... Date Openend : Jan 2004 First Reported: Oct 20111 Date of Status: Apr 2012 Status: Petition for Chapter 13 Bankruptcy. This account is scheduled to continue on record until Jan 2019 Comment: "Debt being paid thru Insurance There are soooo many things wrong with this and I have no active accounts with Sallie Mae and I have no Chapter 13 bankruptciesDesired Settlement: The Fair Credit Reporting act allows me to dispute this. The loan is paid off completely I aks Sallie Mae to please remove this from all credit bureaus

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 28, 2015. Please allow sufficient time for postal delivery.

Review: I have made several attempts starting in December 2014 regarding a reporting error on my student loan. Navient has been reporting to the credit bureaus my loan as "derogatory" which is not correct. I have been making all my payments on time. I called the customer service department 5 times and each time I was promised a follow up email or phone call. The follow up email/phone calls never came. Each time I called, I wasted 45 - 60 minutes of my life, retelling my situation and being put on hold, to a call center in India. Each time being told, "All we can do is put a request in". I am filing this complaint because their mistake is hurting my credit report and hurting my chances of getting a mortgage.Desired Settlement: They need to report my loan as being up to date, not derogatory, to the credit bureaus. They need to do this ASAP.

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 12, 2015. Please allow sufficient time for postal delivery.