Navient

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: Navient is reporting inaccurate duplicate information on my credit report. It is stating I ma n bankruptcy ad that I have 27 student loans . After speaking with a supervisor at Navient, named [redacted], she stated to me that this is an issue with their internal software that has been affecting millions of accounts and that it has been going on for over a year and that they are working on it but have no resolution in sight. I asked about how this is affecting our credit rating and the ability to receive new credit. She has tried to be helpful and has told the other departments that the requested information has been sent numerous time she gave me the number to the customer advocate in escalation for a resolution because they have to respond. I need this resolved because this has greatly affected my credit rating and my ability to receive new credit without super low offers if any at all. If I am able to receive a credit card the rates are extremely high because of this incorrect reporting. I tried to sign into Navient's site today and it stated that because of the status of my account I am unable to view my account online. I am not in bankruptcy and it continues to report that I am. and that I owe 9696.00. The rep I spoke with today in escalation told me that is incorrect that I owe 1300.00 dollars and It is on 2 accounts one for 432 and one for 900 something. They are not even sure where these other accounts came from and if so they should be removed because they don't see them. I have had o send this in writing which I have done repeatedly and also send a copy of my report repeatedly to show they report. by the way I have to buy these reports to send them in each month. and they aren't cheap or free and they keep saying they show received but they don't know where they were sent, please resend month after month, they have to have more oversight than this because they are holding my life hostage at this point. want to pay this balance off in full but want to pay the correct amount and never use them for anything again.Desired Settlement: escalate this corrected information to the 3 bureaus and give me the correct pay off balance, once it is received, accept this payment in full and never contact me again

Business

Response:

Thank you for

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

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

Postal Service on September 4, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: In December of 2014 I was sent a letter by "Navient". It said in this letter that if I didn't make payments towards my student loans that they would send all my information to a collections agency. In order to resolve the issue "Navient" and I set up a payment plan (which I was basically forced into. I'm unemployed and had no money to give). We set the amount at 283 per month, which would be taken out of my account on the 28th of each month. I had been struggling to make these payments, borrowing money from family and friends. In May I looked up Navient's number online so that I could tell them that I wouldn't be able to make a full payment that month. The women on the phone looked up my information and said that no one had set up a payment plan with me and that they had not been getting any money from me. In shock I went back to that original letter that I had been sent by "Navient" and gave all the information to the women on the phone. None of the information matches she told me. Not the account number, not the payments due, not even the phone number! I called my bank right away and they put a stop payment on the payments, however Navient, the real Navient, has yet to help me in any way. I would expect they would want to find out who this impostor was and resolve the issue. Instead they send me an email saying that I will own 379/month starting in July. I'm in total shock. I need them to call me. Every time I talk to someone on the phone they say that they'll have someone call me, but no one has. It's getting extremely frustrating. I don't know what to do at this point.Desired Settlement: I would hope that Navient would understand the severity of the issue rather than just ignoring it. They should call me so we could talk about all future payments and about what they will do to resolve this issue.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on June 16, 2015, and we are working with the customer directly to

resolve the issue.

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: 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: Since having this loan (sallie mae) there has been problems with my payments not being posted.after receiving several letters /calls the payments finally are found.Now that the name has changed the problem has started again along with an increase in balance.I have had this loan better than 30 years as my daughter graduated in 1995.payment made are 113.00 monthly loan was 12,985.33. You do the math this loans should be paid off.I have NEVER MISSED a payment.I would appreciate some investigating into this loan as the harrassment of payment has become annoying.Im sure there are people who doesnt make payments but I AM NOT ONE AS I HAVE COPIES OF ALL MONEY ORDER RECEIPTS IF NEEDED.Desired Settlement: For loan to be paid in full as it should be and possibly refunds as the total paid already exceeds beyond the balances owed.

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.

Consumer

Response:

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: 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: First as sallie mae I was told I have to pay $1000 + /month and there was no other option to clear it besides deferment. After using up all my deferment they finally said there was this one program in which they can reduce my interest to 1%.

I went two years without a steady job and no reliable income to accrue $14,000 in deferment costs. If there is recordings of me talking to their customer service you would hear me asking multiple times for any other way to go about things.

Last year that 1% program had me paying $425/month. Way more doable than $1000 +

Now as Navient my loans come up as $260 on the website. My payment is $625.00 per month. The interest is apparently more than my loan at 3%.

The interest is not even shown to me on my web page when I log into their website. I feel by the information they choose to leave out they use to leverage on low wage consumers.Desired Settlement: To deduct unnecessary interest they tricked me into accruing by not telling me I can do a payment plan that was reasonable.

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 5, 2015. Please allow sufficient time for postal

delivery.

Review: The required income based forms were submitted on April 20, 2015 and no one processed anything that was submitted. I called in June when I received a bill for almost $600, an entire paycheck for my family and explained that I submitted paperwork to give us relief from high student loan payments. The gentleman said he found my paperwork and it would get processed right away. Well half my paperwork was processed but no one bothered to read the note submitted and adjust my income based on my current income, not my taxes. I called in August and after talking to 3 people including a supervisor I was told our payments would be zero ($0) and received a letter in the mail and a bill stating that. Now I am still being billed and late payment notices are being placed on our credit reports. No one called us one time, sent us a letter in the mail, nothing explaining why I was told our payments were zero but not really because you needed additional documents from us. I called again in November and spent an hour on the phone and then was hung up on. I submitted the paperwork again today, but I have no confidence that it will be processed.Desired Settlement: I want my income based documents processed, our credit reports fixed and my current balance due $0. I should not have to contact Navient for an entire year to renew this if necessary. I submitted the original documents in April well before my first payment was supposed to be made in June. I am forced to do this again because no one processed anything in a timely manner, so this will last a year. I would also like in writing an explanation on why after 4 phone calls and all the correct paperwork submitted that I am still dealing with this 6 months later.

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 16, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: I have a private student loan out with Navient that I am close to paying off. I have attempted to contact them several times by phone and email regarding information about paying off my loan and information regarding questions about my payments that have been applied to my account as it seems a $1,011 payment is missing from my account information online.

I have sent emails but everytime I get a response back from my email rep. named Heather saying that because of the status of my loan they cannot provide me with the information I am looking for and to call protfolio management with an 800 number provided. Every time I try to call that number I get recordings saying the office is closed and no hours or days open are provided on the recording. I have called Navient directly and everytime no one answers and I get transferred to different voicemails where I leave messages and never get any responses back.Desired Settlement: I would like a phone call where they can answer my questions I've been asking. Mainly about getting proof my loan is paid off once I make the final payment and also I want information regarding the $1,011 that was sent to them for my loan but I cannot see it applied or processed on my account. It's a simple solution. I just want a few answers for my account and to be shown proof of the $1,011 being applied to my account or I want to know who I can contact directly regarding getting answers for my questions instead of voicemails and with no responses and email responses saying they can't answer my questions. When I email asking who I can contact since no one is returning my calls I get the same response. I highly doubt that a response of WHO can answer my questions regarding my account is against company policy.

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 6, 2015. Please allow sufficient time for postal

delivery.

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.

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!!

Review: they fail to insure loans are going to schools that are following through on there promises or going to student that don't meet academic requirements.

Beginning in 2008 I attended [redacted] College, taking out loans with Sallie mae to cover the cost. But to my dismay I had to take out a private loan through [redacted] to cover the rest of the cost not covered by the Sallie mae loans. Needless to say I didn't do well at the school flunking out on 10/08/09. Foolishly I thought that I had these loans and the only way that I would ever be able to repay them was to finish a degree, so I started looking for another school which lead me to [redacted] university. I was admitted to the school on 9/16/09 and did marginally better but still flunked out on 6/24/12 after retaking some classes. With the same mind set of I need to finish a degree to pay for the ever growing loan amounts I searched for another school which lead me to [redacted] tech online. Again I was admitted and did even better then at the last two schools. I believe the only reason I did better at each school is because I had gained experience in the course's taken at previous schools at first I had to get help from someone who know how to write computer code just to understand what was going on, after I got a couple classes behind me I'd gotten a good idea of what was what but still having some trouble with the classes.

It is my contention that I should have never been admitted to nether [redacted] University or [redacted] tech online based on my previous performances at the other schools. My academic record at [redacted] College alone should have and be enough for them to deny me admittance to the schools. Furthermore, my high school transcripts should have been a indicator to [redacted] college that I was not college material.

If the schools had acted in my best interest by not admitting me instead of the corporate interest of making money then I would not owe over $80,000 in student loans today that I have no hope of ever paying back.Desired Settlement: I feel that because the schools I attended where only in it for the money and Sallie mae failed to provide adequate oversight that the loans should be dismissed

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on November 10, 2015 and resolved

the issue with the customer.

Consumer

Response:

Review: Hi,

I have encountered on multiple occasions what can only appear to be obstruction to put current loans into repayment. I have worked with their customer service team dating back to 2/24/2015 providing all the documentation they have asked for to prove graduation as well as to waive a 6 month grace period. Initially, I was told that the grace period could not be waived. Then I was asked to send them documentation asking to waive the grace period. I send them the documentation as asked. I then find out 2 weeks later that not only is the grace period not waived, the account has not been put into repayment. I am told that they still see me as in school, even though I provided a copy of a diploma proving graduation. I am then asked to send proof of graduation from the college registrar. I fax this to them as asked. I am told they never received it. It's simply outrageous the amount of time I have spent providing documentation they should be able to acquire from a clearing house. In total, I estimate having spent upwards to 4 hours now, between phone calls and preparing and sending documentation.

This has been, without a doubt, the worst experience I have ever had with customer service. Being put on hold for extended periods of time and hearing laughter in the background. Being put on hold and then passed to another rep without being told this would happen. Of further note here, I made it clear that because of their inability to put my loan into repayment, a current application for a home mortgage was put into jeopardy. Requests to expedite were responded to with silence, until eventually being told to upload proof of graduation through their online tool. After doing this, I am put on hold for another 20 minutes. I am then told that this could take 72 hours to apply. Simply and utterly impossible customer service, and still unresolved.Desired Settlement: Put my loans into repayment, allowing me to submit for IBR or Graduated repayment plans as well as to setup auto debit. It really appears that the lender is disagreeable to allowing borrowers from beginning repayment early and deducting .25% from ongoing interest by setting up auto debit.

In addition, Navient should be responsible for the amount of time and stress this process has taken. I'll leave it up to them to determine what they feel is adequate recompense. Somehow I doubt they will do or say anything regarding this shameful and time consuming debacle.

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 23, 2015. Please allow sufficient time for postal

delivery.

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:

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.

Review: The first time I spoke to them I was not aware my pre-agreed loan repayment had been transfered back to them. I called them when I got a letter middle of the month saying my account was in default. The rep "[redacted]" said they've been trying to get ahold of me...no they hadn't. I had no voice messages from them at all. She said I only had 3 options. To settle and pay 8grand, pay 1700 now and get on a repayment program with them or pay 800 this month, 800 next month and then get on the program. When I tried talking she would constantly talk over me, she proceeded to mock me and tell me they should've sued me since 2009, that I wasnt paying anything to anyone (huge lie on her end) and everytime I would try to tell her I didnt have that amount they requested she kept saying I wasnt trying hard enough. I tried calling them again and she kept doing the same, talking over me every time I spoke and right after I told her I dont have a 401k or pension she proseeds to ask me why I dont take the money from my 401k or pension. it was obvious everytime that she was not listening to a single word I was saying. I told her I didnt have the money asked to put down but I could pay 100 a month and if agreed id pay 300each month hereafter. She kept saying they couldnt accept 20dlls a month (that was the previous agreement with FMS because I as on food stamps when the agreement was initially made). I kept trying to tell her that I didn't ask her to accept 20dlls, I was asking her to accept 100dlls this month (almost end of April btw) and up to 300 dlls for the next months. The whole time she kept saying I wasnt trying, I was refusing to pay and she doubted I could even pay any of that money. She said I was saying that they werent giving me options which is not true, she kept putting words in my mouth that I didn't say. But everytime I tried to talk she spoke over me. I never raised my voice at her, never used foul language, when I told her to not raise her voice at me and told her she was rude she said she didn't have to be nice because she wasnt providing a service. I told her I know shes not but no one likes being mocked or getting yelled at or having words put in their mouth. She then called my mothers house, my brother (whose name I never gave as reference) my job (wrong location too I said once city and she called another branch, further proof that she didnt hear what I would say) Point being, after 3 calls from me to them I am unable to repay the student loans because they refused to accept my 100dollars for this month and they refused to accept my proposal to pay 300 a month going forward because I was unable to pay, with a one week notice, $1700 to get on their program.Desired Settlement: I have no deposit available but I am able to pay a monthy bill. Seems unfair that I am unable to make monthly payments and am stuck on delincuent account because I am unable to give $1700 with a one week notice.

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 6, 2015. Please allow sufficient time for postal

delivery.

Review: Sometime this year, Navient inherited my private loan. I was not informed of this. I only found out when I received a monthly reminder from FMS that the $180.30 was going to be deducted from my account. Instead of Sallie Mae on the paper it said Navient. I tried contacting Navient about this. I wanted to find out who they were and how they got my loan. I spent hours on the phone trying to find this out. No one would speak to me because (1) I had a private loan and (2) they stated my loan was in default. I was transferred everywhere and disconnected several times. I finally was transferred to the right department but their only open Monday thru Friday form 8am-5pm Eastern Time. The only answer I could get from them was Sallie Mae split into two companies and Navient inherited my loan. I was also told my loan is still at 5% interest and I am 365 days past due on my account even though I have been making payments consistently over the past 2 years. I contacted FMS back about the situation and they stated they would fix it but they never did. On March 24, 2015, I contacted FMS to change my form and payment and they informed me that if I could pay them $8,000 by the end of March, they would consider my loan paid in full. I tried to get a loan but I was unsuccessful.On Friday April 10, 2015, I received an email from Navient stating they had several ways to help me with repayment for my student loans. I called Navient on April 10, 2015 around 4pm mountain time and spoke to Mr. [redacted]. Mr. [redacted] was rude, he tried to force me into a payment program with him right then and there. He told me I have two choices to pay my loan or their lawyers would be contacting me. He refused to discuss with me what happened to FMS. He just said that the loan was taken back from them. I told him I was in a payment plan with FMS and told him what I had. He told me that he would take a payment from me now for $180.30 because he sees that what I was paying FMS but I would have to show him proof in writing that that was the agreement. I told him that I was supposed to have a .001% interest rate and it was supposed to be credited at that from March 2013 and I wanted that. He told me that they would not honor that. He told me the only way I could have been in that type of program is if I paid a 10% down payment and he would put me in that program if I made the 10% down payment. I told him that I made an arrangement for that program and have been making payments every month and I am expecting to continue in that program. He then stated that obviously I didnt qualify for that program and thats why it wasnt done. I requested to speak to a supervisor which he refused to give me one. He told me that there wasnt one. I then asked him if there was another representative I could speak to and he told me that as far as I was concerned hes it. I then stated that I wanted to speak to a supervisor and he told me that it would take 3-4 days for one to call me back. I told him I dont care if it takes a month for a supervisor to call me back I wanted to speak to one. He told me he would send an email requesting for a supervisor to contact me.Desired Settlement: I am requesting that (1) my payments stay the same at $180.30 a month. (2) My interest rate on the loan be reduced to the .001% interest that I was promised. (3) My principle be changed to reflect the .001% interest rate from March 2013 and monies I have paid over the last 2 years shows towards interest and principle

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: I have been making payement on my student loan since January 2014. This was initially with sallie mae and now with navient. Over the past couple of months, I have noticed that my balance remain unchanged despite making several payments. In an attempt to reduce my balance, I started making additional payments on top of my monthly payments. I have come to realize that part of the extra money I am paying is being applied to future interest even though my monthly interest payment and balance remained the same. I have spoken with navient representative and have not gotten clear answer to why the money I am paying is going for future interest. I think this is a tactic by navient to keep the loan balance the same and continue to charge interest.Desired Settlement: -I would like to get an explanation to why extra payements are being used for future interest

-I would like to get a written statement stating they will not practice this kind of buisness in the future

-Investigating if this is being done to other customers too

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 8, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response: