Navient

Review: This company has inacurrately and adversely reported against my credit report for lack of payment while in forbearance status. I have completed the required information while in graduate school and submitted all required information as requested. The forbearance was granted and I have provided school schedules and information as required for the forbearance. Despite my forbearance, the request for payment has been ongoing and this company has negatively reported inaccurate information to my credit report affecting additional funding, loan approvals as well as employment. This company is also in violation of the Fair Credit Reporting Act.Desired Settlement: Within 10 days of submission of my complaint (June 17, 2015), All negative reporting is removed from all credit bureaus to include Experian, TransUnion, Equifax, my forbearance is continued, and my accounts reconciled since they have been sold to Sallie Mae, Navient and Department of Education who are also misreporting my overall status and negatively impacting my credit report.

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 26, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: ive tried to pay off loan / and or asked for a reduction in loan payments and percentage rate., due to the fact im on disability. i've been givening false information and have been misled about making payments via credit card and for rduction in reduceded payment options.

every time you call your given complete opisit informationDesired Settlement: I would like to recieve a full disclosure of the contract infomation reguarding my student loan so I can make the proper adjustsments to either reduction in payment amounts monthly or pay off

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 25, 2015. Please allow sufficient time for postal

delivery.

Review: in September I did a consolidation through Navinet. On 09/22 we requested my parent plus loans to be left out of the consolidation. The consolidation went through with the parent plus loan left out but another loan was left out as well. We put a request to get the remaining loans added ( not the parent plus loans). In January the rest of the loans were added to the consolidation , including the plus loans. Navinet stated what I need to do to get the resolved and I have done every thing as per their request but they won't fix their mistake. THIS MISTAKE THAT NAVIENT MADE IS GOING TO COST ME THOUSANDS OF EXTRA DOLLARS IF IT IS NOT RESOLVED. I need Navient to contact me IMMEDIATELY and stop sending me to a new person each time I call. I need ONE representative to help me work through this problem, because every single time I have called in since December I have to explain what happened and receive the exact same answer.Desired Settlement: I still would like my plus loans to be with Navinet but I want them in a separate consolidation.

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 13, 2015. Please allow sufficient time for

postal delivery.

Review: I entered into a payment plan with Navient. It was agreed upon that I would pay $512.00 on the 17th of every month. Yesterday, my credit monitoring service notified me that Navient is reporting that I am over 60 days late on payments with 5 accounts. As a result, my credit score took a drastic drop. Not only have I not missed a payment, they have been paid on time and I have my bank statements to prove it. While on the phone with Navient today, the gentleman on the phone told me the purpose of the repayment program was to help me, but instead it is hurting me. What's the point of making payments if will still be reported late?Desired Settlement: Correct the late reporting to show that I have not been late. Credit report should read, "paid as agreed."

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 28, 2015. Please allow sufficient time for

postal delivery.

Review: Prior to July 2015 I contacted Navient to get a loan deferment as I am a part time professor and work seasonally. I've tried to get full time work but have not been successful due to few opportunities. As a result, I do not have the funds to pay these loans right now.

Navient agreed to the deferment andsent a $0.00 balance bill in July. My account was debited anyway. The same bill arrived in August stating I owed nothing, and my account was debited again.

I called customer service and they are saying that collections debited from my account due to a payment plan. It makes no sense to me that there is a disconnect between collections and the department that issues my monthly statement.Desired Settlement: I would like a refund for July and August payments.

I no longer give Navient to debit from my account.

Business

Response:

Thank you for

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

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

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

postal delivery.

Consumer

Response:

Review: I have been trying since June to have them unlock my online account. I was in bankruptcy and discharged in May which is when they started sending emails and statements for repayment. However, I can't get them to unlock my account to pay online every month I call and get the same run a round. There is no update from the department to unlock the account. They sent me a letter to pay so I know they have my discharge. It is very inconvenient for me to have to call every month to make a payment. Please help me resolve this.Desired Settlement: My account to be unlocked so online payments can be made!

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on September 15, 2015 and resolved

the issue with the customer.

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:

Review: I repay school loans with Navient. I was on an income based repayment plans of 165.00 a month. I paid this monthly pays net for 16 months with no issue. But sap patently the payment plan ended and was not re-newed . I was unaware and still paid my normal payment of 165.00. I was contacted by Navient and said the plan stopped I needed to put in place another plan. I sad ok and the female took a income statement and told me my new payment amount 185.00.. We got off the phone and I thought we were set up on the plan. Well 2 weeks later I was reported as 60 days delinquent on my account because the payment was 322.00 after the plan ended and I only paid the initial payment of 165.00. So the difference accumulated for two months and they reported that I was delinquent .. I referenced the call with the female and they said they have record of that but the plan was kept fully setup so the new payment amount she gave me was not in place which kept my account past due because my payment was not enough. I am currently on a new payment plan with Navient of 169.00 a month. The issue is I paid 165.00 which was my payment for 2 years and for two months the plan ended apparently and even though I still paid my payment my credit was hit and dropped me 63 points. It is unfair that in a span of two weeks my credit dropped 63 points all because of a miscommunication ... I was paying my payment.. I was not avoiding them, or not paying. I was just confused.. I need my credit score fixed please. This is not rightDesired Settlement: I just want the delinquency off my credit report .. I worked too hard to keep good credit. This is unfair

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 5, 2015. Please allow sufficient time for

postal delivery.

Review: I co-signed for a private student loan which was serviced by Navient. The loan has been paid in full but but Navient has refused my repeated requests to provide that information to the credit reporting agencies.Desired Settlement: Report as "Paid In Full" to the 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 US

Postal Service on November 6, 2015. Please allow sufficient time for

postal delivery.

Review: I signed up for automatic debit in September 2014 for my federal student loans and was told that it would start October 24th 2014 and I was told to pay the September bill online as usual. so sept 17th 2014 I paid the bill of 244.88 online. then I checked my bank account on the 24th of sept. and noticed they (navient) took the 244.88 out of my account. so I called and spoke to someone about it and they said it would be refunded. then on the sept. 29th I called again because it was not refunded they just the 244.88 against my private student loan instead. that is when I spoke with a supervisor and was told they would expedite the refund into my checking account within 5-7 business days. On the 15th (oct. 20th 2014) business day no refund was in my account. I called again and this time I spoke with another supervisor [redacted]) she then informed me that she would get it refunded on or before Friday Oct. 24th 2014 she then took my checking account information and told me she would call me personally to check on Friday 10-24-14 between 3-4p.m. well today is 10-24-14 and no credit of 244.88 was placed in my bank account but they (navient) took my next payment of 244.88 today. [redacted]) called me today and I told her no refund was placed in my account she also informed me that she would once again "look into it" and talk to the back office. [redacted] also said she placed another request for the 244.88 to be refunded. she ([redacted]) had nothing else for me so I ended the call.Desired Settlement: to have them place the 244.88 back into my checking account today!!!!!

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on October 28, 2014 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: was checking my credit and noticed that this company has impacted my report with all threes agencies in a very negative way. This compayny has switched my account so many times that I have lost count. It is showing up on all reports as an adverse action, which is totally untrue and needs to be corrected. First, I am still in school, so it should be noted as deferment. Second, there was never a time where I needed to make payments because once again I was in school and the payments were deferred. I need this company to send a letter to all credit agancies indicating that I was never late for a payment that never existed and that any negavtive remarks need to removed. This needs to be done within 7-10 business days. Thank you.Desired Settlement: A letter to all credit agencies removing negative remarks and putting this account in a positive light.

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 26, 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. If I do not recieve the correspondence from the business, I will file another complaint.

Review: I have a student loan and have tried to adjust my payments through the income based repayment plan but after sending in two applications still have not seen an adjustment. Customer service reps are not helpful, and no one responds to messages sent through the Navient website.Desired Settlement: I would like my payments adjusted immediately to reflect my terrible salary.

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 February 25, 2015.

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: My Federal student loan account with Navient was past due by 418.00. I called on 2-3-15 to make a payment. At that time I was told I needed to pay at least $119.46 to cover my account late fees. I would then owe 298.46 towards my monthly account fees. On 2-3-15 I made a payment of $120.00 to cover my past due fees. I called back on 2-11-15 to make the additional payment of 298.46 to bring my account current. At that time I told the rep that my account online was not showing the $120.00 payment made on 2-3-15 had been applied to my account at all. It appeared as if it had not been credited. I was told the payment had been reversed on Navients end for some reason then reapplied to my account on the same day the payment was made 2-3-15. There was no explanation as to why. The money did come out of my bank account on 2-4-15. I was told whomever reapplied the funds applied it to the wrong allocation so it still showed that the past due amount was due. I was told it would take 2-3 business days to resolve. I went ahead and made the second payment on 2-11-15 of $298.46. I called back on 2-16-15 to inform the rep that online my account was still showing past due of 119.46 and that the amount had been paid on 2-3-15. I was transferred to 3 different reps then finally a supervisor who told me it was in que to be resolved and to give it 2 more days. I called back again on 2-24-15 pretty frustrated because the system is still showing the past due amount of 119.46 which is for late fees that I paid. I spoke with supervisor Katrina ext 411967 and she apologized and said it had to go through an auditing process which is why it was taking so long and she would escalate it. I logged in today 1 month later to see my account is still showing the $119.46 as past due with another late fee. I have called numerous times to have this resolved. Navient needs to apply my 2-3-15 $120.00 payment to my late fees to bring my account current. I am tired of getting the run around and now I am hoping the Revdex.com can help. I can't make a payment online because it is auto populating the amount due as my regular payment plus this 119.46 past due late fee amount that has already been paid. My account should show as current.Desired Settlement: I want Navient to apply my 2-3-15 payment of 120.00 towards my past due late fees as they said they would when the payment was initially made.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on March 3 , 2015 and resolved the issue with the customer.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10508025, and find that this resolution is satisfactory to me.

Review: I am a full time student that was granted deferment for my loans. However, every couple of weeks the deferment is changed and they begin sending me bills even though my status has not changed. The enrollment verification letters seem to be ignored and I am resubmitting documents on a regular basis. I have documents stating the approvals but for an unknown reason Naiveté seems to change on a whim. This must be the most inefficient organization I have ever dealt with. I would like them to honor their approvals. I am a full time Doctoral student until at least July and possibly longer. Re-submitting documents over and over is redundant and a waste.Desired Settlement: Honor the deferrals that are granted. Verifying student status should not be that difficult.

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 8, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.

Review: I've repeatedly, several dozen times, called over the course of a year to get my payment history corrected. When Navient took over they essentially wiped my payments out by applying them directly to a loan which was in forbearance, even though they were clearly designated for my smaller private loan. They refuse to correct the payment amounts I've continued to make.

Specifically $585.38 in payments verifiable by my bank statements have not been applied to my loan principal. They consistently do not wish to resolve my issue with countless holds with no picks-ups, simply endless holds. 30 minutes to an hour. This company is attempting to defraud me and I will not allow it but they must be held accountable both by reputation and litigation. Essentially I'm ready to pay off this loan but am trying to get the final amount correct before I do and they are very much attempting to be disruptive in every way to prevent this or add additional fees. I'm livid and ready to go after them legally for my time and potential negative credit history effects.Desired Settlement: Get their [redacted] STRAIGHT!

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 16, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10566510, and find that this resolution is satisfactory to me. Yes, finally speaking with the US based offices of Navient, [redacted] was most helpful and appreciate her assistance in getting everything straightened out.

Review: I have repeatedly requested this company to stop calling me from phone [redacted] but they will not comply. They are trying to collect on a debt that is not mine. I believe it is for a student loan. I am 62 years old and have never taken out a student loan, but they call my home phone number so much that I had to turn off my answering machine. I have filed complaints with Consumer Financial Protection Bureau and have the following case #’s on file. Case number: [redacted] on Fri, May 1, 2015 4:25 pm - Case number: [redacted] on Mon, May 11, 2015 9:58 am - Case number: [redacted] on Fri, May 8, 2015 1:49 pm.

They have NOT, I repeat have NOT stopped calling me even after filing with the Consumer Financial Protection Bureau. Every time they call it’s during my granddaughter’s nap time in which they have awakened her. What is it going to take to stop this harassment?Desired Settlement: I want this company to stop harassing me and to cease all calls immediately!

Business

Response:

Thank you for

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

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

Postal Service on June 25, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I have provided funds to pay off a student loan with Navient. On May 22nd 2015 Check #463 was cashed from my [redacted] checking account in the amount of $7,264.77. This check was to be applied to Navient accout [redacted] to pay the remaining balance. I wrote the account number on the check provide and also include a letter on what to do with the funds. I have contacted Navient 4 times at this point regarding my claim. I have opened up an investigation with them. They do not appear to know where these funds were applied or how to track them even though they were deposited from my account. the lender is still taking monthly deposits from me and charging me interest even though they have removed the funds from my account. Since Navient processed the check as an "ACH" transaction I cannot see a copy of the check through [redacted] and [redacted] is not able to help me. I am very much between a rock and a hardplace. I have a financial institution ([redacted]) that cannot help and a lender that does not know where my funds were deposited.Desired Settlement: Please help me in applying the funds already provided to my loan account and recover the excess interest / payments made since the funds were received by Navient.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on June 29, 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]. Navient was able to locate the funds within only a few days of logging the complaint with you where as the prior 4 weeks no one could help me. The funds were identified to have been applied to the wrong account after a manual search. This is a very reasonable mistake that I can fully understand however the customer service received from the standard channels was simply inadequate. I am very glad that there is an organization that is dedicated to ensuring consumer rights and has enough influence to push past the customer service stall tactics and obtain a real resolution. I do not believe that this would have been resolved in a timely manor otherwise. Thank you for the support!

Review: I am an individual who has a significant amount of loans with Navient (previously Sallie Mae).

In an attempt to refinance my loans, I requested that the customer service department send me a summary of my federal loans in an official document that I could provide to the refinancing company. First, Navient only provided me with a document containing only a small portion ($11k of the total $91k that I owe). Second, when I called in person to ask for a summary document containing the full amount of all federal loans that I have - the agent I contacted stated that I would be provided the document in 1-2 business days and the document never arrived.

I simply want to refinance my loans to a lower interest rate and save money. I would appreciate any help in doing so. I also don't want other customers to meet this unnecessary road block that Navient has constructed in their system.Desired Settlement: I would like a summary document of the entire amount of Federal Loans that I have with Navient ($91, 219.52).

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 1, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: My income-based renewal was received by Navient on 10/28/15, but I have yet to receive any information about my new payment. I contacted customer service by phone at the beginning of November, and was told that accounting information would be mailed to me within two weeks, and it has yet to be received. I emailed their customer service two weeks ago, and have yet to see a response. My fear is that Navient will increase the amount of my payment exponentially, and will not give notice until the first payment is due, limiting my options for repayment.Desired Settlement: I need a financial breakdown of my repayment application, and notice of the amount I am expected to pay.

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 11, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: Navient took over my student loans from Sallie Mae this year. I believe they are technically the same company under different names, their website is set up exactly the same and their customer service fails equally. Regardless, I was in a 6 month unemployment forbearance on my student loans. I never previously missed a payment prior to unemployment. My first new payment was due last month, November 2014, and Navient set my student loan payment at $250.98 based on my new income and the government income based repayment. This payment is fine. But the minimum due on my account per month is $314.59, which is $63.61 higher than my monthly payment that was set for me. I have attempted to contact Navient via email 5 times, regarding this $63.61 higher payment, the hold time for a phone call was extremely long and I don't have hours to sit on hold. I have yet to get a response from Navient except to say my payment is $250.98 and they don't see a $63.61 higher payment listed on my account. Yet their website says my payment is $314.59. Last month I paid the $250.98, and this month I have just paid the $250.98 again as well. Yet an unexplained remaining balance keeps sitting on my account. I will not pay late fees due to their lack of communication. I will not add an additional $63.61 to my minimum monthly payment, the payment that is set by the government due to my income. It took them 2 months just to figure out what my income based payment plan would be, and then its taken an additional 2 months of me attempting to contact them with no answer to my questions. This kind of customer service is ridiculous.Desired Settlement: I expect my monthly payment of $250.98 to show up as my actual monthly payment when I log into my account.

I expect if I have incurred any late fees on the unpaid $63.61 that keeps showing as an additional to my monthly payment, that those fees be removed.

I expect to receive a full breakdown of my outstanding balance with the monthly payment listed at $250.98, NOT $314.59.

I expect Navient to actually answer my questions, as this is now the 6th attempt to obtain information from 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 December 18, 2014. Please allow sufficient time for postal delivery.

Consumer

Response: