Navient

Review: Navient was suppose to discharge my studen loans several months ago do to disability discharge through Nelnet. They have dragged their feet for months and havent submitted the appropriate documents to the guarantor TG. due to their issues it has caused me to delay closing on my home because of the way the loans are reporting on my credit. Every time I call up there they tell me another lie after another lie and never actually try to do their job.Desired Settlement: Navient needs to report these loans as paid in full on my credit report because they are federally discharged. They need to submit the correct documents to the guarantor TG immediately so that they can be discharged. Navient needs to supply me with a letter stating these current issues and that the loans are currently deferred for 12 months until they complete the discharge process in the next few days so that I can supply this to my mortgage broker and close on my home.

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 6, 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 made payments on my student loans to Navient, but they continue to call me (at my place of business, my mother's place of business, my mother and stepfather's cellular phones). They insist that I am not making payments. When I attempted to talk to them about the issue, they were extremely unhelpful. They insisted I had to pay more than I am able to pay, and offered me no other options. I continued to make the payment that is feasible for me at this time, but they continue to call me at all hours on my cell phone and on my business line.Desired Settlement: I will continue to make the monty payments that I am able to. I am looking for a better paying job, but if the company is unwilling to work with me, I don't know what else I can do.

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 14, 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: 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.

I had my loan through Sallie Mae and it was transferred to Navient. Navient is the worst company I have ever had to deal with, everytime I call it is at least 30 minutes if not more. I always try to submit my payments online, but their web site doesn't work half of the time. I will never use this terrible company for anything again in my life!

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: In June 2015, we received our new home number as we had just moved into our new home in a new state. Navient calls our home number at least 10 times a day (shows up on caller ID as Sallie Mae) and we have told their representatives several times that they have the wrong number and explain to them that we recently received this number and the person they are looking for no longer is available at this number. They then just hang up. I have called back three times and have spoken to their service reps that have promised us that our number will be removed from their system. This is still going on. This past weekend, my husband answered the phone at 8 a.m. when the call came up again and informed that rep that we have been thru this many times and he would like to speak to a manager or someone that can handle our request as this has become harassment at this point. The person on the other end started to yell at my husband and hung up on him.Desired Settlement: I would like this business to stop call our home number immediately. Otherwise a federal complaint will be made and they will hear from our attorney (in which they will be subject to pay for as well).

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on September 17, 2015 and resolved

the issue with the customer.

Consumer

Response:

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

Review: While in college I borrowed a loan through Sallie Mae to help pay for my Tuition. To help stay organized, I set my account up for automatic withdrawal payments through my checking account every month on the 5th. On November 15, 2014 I was able to pay off the remainder of my student loan balance in full 7 years earlier than scheduled; however on December 5, 2014 a debit of $312.24, the monthly payment I use to make, was withdrawn from my account. On the afternoon of the 5th I called and issued my complaint and was given an apology and told that a refund would be issued and I would see the funds in my account again in 3-5 days. On December 12, 2014, I called again because the funds were not returned and asked to speak to a supervisor. The supervisor told me that the funds would be returned and I asked her to email me a document to verify this for my records, which she did. On November 22, 2014, I called again because the funds were not returned to me and I was told that a check was sent to my parents address. The check did arrive on December 28, 2014 and was shortly cashed thereafter, but on January 5, 2014 a call was received by the bank stating that Sallie Mae has canceled the check.Desired Settlement: At this point in time it has been over 30 days since the funds were taken out of my account and 25 days since I was originally promised they were returned to me. I would like the full amount that was unrightlyfully taken frommy account to be returned back right away whether it be through a mailed check or an electronic transfer.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on January 15, 2015 and resolved the issue with the customer.

Review: I have student loans through Navient. They used to be Sallie Mae. The original loan was through Direct Loans, then was switched to Sallie Mae/Navient suddenly ( a few years ago). I have paid every single payment (I did have a medical deferrment last summer, but as soon as it was over I started my payments immediately). However, Navient is telling me that I owe $581. I have spoken with them NUMEROUS times. I told them that they have cashed every check that I sent to them. I sent photos of the checks to them. After the third time of doing this, & after a 45 minute phone call, they admitted to me that I did pay every payment. However, they went on to tell me that I still needed to prove to them that I paid with a 4th copy of photos of the checks. I do not feel like this is fair or okay. They admitted that they have my checks and they cashed them. Navient's Facebook page is filled with so many of these cases. I feel like this is unfair and unjust. We shouldn't have to go through so many hoops. PLEASE help us!!!!!!!!!!!!!!!!!Desired Settlement: I just want this to be fixed and for them to stop telling me that I owe money I already paid. THANK YOU!!!!!!!!!!!!!

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 27, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

I will try to contact Navient again. Thank you!

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 co-signed on a loan for my son to attend college with Sallie Mae, now called Navient. I gave Navient a financial statement and it was agree that I was not able to pay full amount. I had been paying an amount for over a year and it was agreed I would continue to pay that amount. I have paid that amount every month and Navient is saying that unless I give them a phone number or address for my son (signer) they will take my payment but the loan will be considered delinquent. I explained that was not the agreement, they explained they must speak with signer (my son) or they will continue to call debt as delinquent and put it on my credit record. My son is out of the country and I accept the debt as mine. I wanted my son to go to college. Please help me with this matter.Desired Settlement: I continue to pay monthly the amount that we agreed to. $265.00

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 12, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: They will not let me make a payment. They won't send a bill, won't let me on the website, won't correspond by email and won't accept my payments. $500 so far.Desired Settlement: I want the bill corrected, my login reinstated/payment book mailed to me. Email correspondence only. No phone calls

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 26, 2015. Please allow sufficient time for postal delivery.

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:

Review: I've been unemployed for over a year, I've been denied unemployment benefits, my parents are helping me with what very little they can and Navient still demands a ridiculously high amount for the monthly payment (more than any other bill I have or have had). They call me every day, send out tons of letters by mail and UPS and have even called my parents in the past before I demanded they stop doing that. I contacted them on 9/29/15 because they kept leaving me messages saying my loan was about to default. They asked me ridiculously personal questions about income, where I was living, exact amounts of other bills, who could pay my bill for me, etc. I told them the most I could borrow from family was $50 a month, but they demanded $87 a month and kept insisting there was no other way and the loan would default the next day. I was also informed that in order to set up the $87 payment program, I would need to schedule 14 payments which sounds an awful lot like them automatically taking money out of my bank account - something they did before which caused my account to be overdrawn.

I was then transferred to a supervisor who told me the same thing and informed me that because of default they would take legal action. The supervisor then asked me how much I was paying for car insurance and whether or not there was a lower-price car insurance I could switch to in order to give more money to Navient every month. I finally relented and said I would talk to family that evening and try to figure out how to get an extra $87 a month. That wasn't good enough for the supervisor who kept insisting we do a conference call with my parents right then and there to set something up. I said no, that I would talk to them and I didn't want Navient talking to my parents or finding out their phone numbers because I know how they like to call whatever numbers they have associated with one of their victims. The supervisor demanded that -I- set up the conference call. At this point I had enough and hung up.

They were and continue to be rude, demanding, way to persistent, have NO BORDERS when it comes to privacy, and demand info that's none of their business. I only wish they had some sort of government oversight that would prevent them from doing this predatory nonsense.Desired Settlement: At the very least I want a billing adjustment that's more fair. People lose their jobs and can't find work - it happens. These bloodsuckers shouldn't be demanding more money than all of my other bills COMBINED. I'd also like to see a change in their policies to give their clients more privacy and stop treating everyone they hound like criminals. I've had problems with their representatives before, but demanding a conference call with my retiree parents who are barely able to help me financially is above and beyond horrible business practices.

And while we're at it, I'd like a written apology. Lord knows they send me enough letters as it is - send a letter of apology and some assurance that they're going to make this right and never do this sort of thing to me or any one of their victims 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 October 8, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

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 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'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 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: Recently Sallie mae changed their name over to navient. I have many student loans that I had taken out when the company was Sallie mae. I had set up electronic funds transfers so that my student loans could be paid automatically monthly and on time! I did this because I prior had an issue with a mis- applied payment over the phone, which has already been corrected. So come to find out 3 months later Sallie mae isn’t around anymore and navient is my new student loan company. I never receive any letter or phone calls about the switch over. I only found out recently that the payments were not being deducted from my account, because my mom called me and said navient was calling her because she was my listed reference on the loans. She gave me the number to call them...I couldn’t find a website that I could login on and view my loans! Previously I had an online account set up with Sallie mae...it was gone no more Sallie mae website even. So when I called I talk to a person who basically said they had no record that the money was supposed to be taken out....and I was 3 months behind! I asked why I was never contacted and I got no response. They did not call my phone or send anything to my house! I asked them what address they had on file and it was in fact correct. After that phone call that day I started to then receive my student loan statement and also a past due letter. I have the money to pay the student loan past due amount in full! I however don’t want to pay them until this past due issues is resolved. It was not my fault that the company messed up my account during their name or company switch over!Desired Settlement: I would like navient to set up my payments electronically the right way. I would like to pay them the money that I own past due! and I want them to take any negative credit reporting they may have done while this miss communication happened.

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 18, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: My daughter does not have a student loan. They are trying to collect money and are harassing both of us, with calls and letters. I see from web sites and your sight that there are loads of complainants. They should NOT be involved with the Dept. of Education at all.Desired Settlement: close them down. They are dishonest.

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 July 2, 2015. Please allow sufficient time for postal

delivery.

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.