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Navient Reviews (807)

Review: My wife and I have consolidated loans through Navient (formerly Sallie Mae). We received verbal confirmation that we could defer payments when my wife entered school full time in November of 2014. We were sent the form and both my wife and the college filled it out and sent it back. We were then told that we could not do the deferment. The decision, for our one income household, was for her to go back to school rather than get a full time job as my children are now school age. We would not had made this decision if we weren't assured (phone calls to check our qualification and ensure we met those) had we known we would need to repay full payments on a monthly basis. Spoke to supervisor regarding the issue and she stated there is nothing that can be done. They need to have accountability for their agents. She apologized that we were misinformed, but could not help us.Desired Settlement: She offered a reduced payment ($50 less), but we need to DEFER PAYMENTS TOTALLY because we do not qualify for hardship forebearance since my salary is too high for our 6 person household.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on January 28, 2015 and resolved the issue with the customer.

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: I have set up on auto-payment numerous times and Navient arbitrarily discontinues my auto-payment. Student loans go unpaid and then they harass my co-signer, my 68 year old mother at all times of day, up to 10 days a day.

Why is Navient discontinuing my auto-payment plan every other month? Why do they refuse to send notice of such? Why do they insist on harassing co-signers?Desired Settlement: I demand that they remove my mother's phone number and stop harassing her. 10 calls a day due to Navient's negligence/stupidity/bad business practices is unacceptable and should be illegal!!!

I demand that once I set up auto-payment that Navient continue my payments as I set up.

I demand that if Navient makes any changes to my loans or payments of my loans that they notify me via US mail to my home at [redacted]

I demand a refund of any late fees, interest, or any other charges that may have been added to my loans due to their ineptitude.

I demand that Navient correct any reporting of bad credit to the credit bureaus in the past year.

I ask that Navient get their SH** together and stop harassing customers & their co-signers.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on June 17, 2015, and we are working with the customer directly to

resolve the issue.

Review: I contacted the representatives of Navient on February 14, 2015 in order to review my payment options. I only work part time and up until last month, I was a full time student continuing my education. I called Navient to request a lower monthly payment as they have my current one set at 1/3 of my entire monthly income. After requesting to speak to a supervisor, I was told "they all left". Standing firm in my request, I spoke to a supervisor who then told me, "get on monster.com and find another job. Look into other jobs that may not be in your field." Rather than understanding my hardship of being a full time student, working part time and trying to survive, he insisted that he could not lower my payments and that the solution to my problem was another line of work. For this company to claim that they work with students and they're one of "the best student loan providers", this was far from the service I received. They refused to work with me and my situation and nothing was ever done to resolve this issue. In order for me to make the $170/mo pmt, I would have to go without a roof over my head. I wasn't asking to stop making payments, I was simply requesting a smaller payment amount, because $170 is unrealistic when you make $7.25/hr. I understand that the loans are MY responsibility, which is why I contacted them in the first place. Now, I will continue to make a $20/mo pmt to keep in from defaulting, however, the fees and interest are far more than what I can pay monthly, thus making my $20/mo pmt useless. I understand that it is my responsibility to pay the loans and I accept that. What I don't accept, is the rude, inconsiderate, unprofessional, degrading service I received from a supervisor.Desired Settlement: A lower monthly payment and apology from the [redacted] who said I need to find another job, or work in another field. He should take his own advice and leave customer service. People like him are giving Navient a bad name. Sallie Mae was not the greatest, but at least they were willing to work with their clients on repayment options. They don't tell you that the solution to your problem is finding another job and directing you to monster.com. I'm appalled by the behavior from this "supervisor".

Business

Response:

Thank you for

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

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

Postal Service on March 11, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: Not only has Navient been beyond annoying since they purchased my loan from Sallie Mae they are now harrassing my co-signer of the loan. My loan has been paid and payments are in process but they are still reporting late payments on my credit report as well as my co-signer. I am outraged that looking at my account you can see there are payments scheduled but yet I am still being harrassed and now another individual is. This is unreasonable and now the second time I have complained because they will not listen or have any common sense to their practices.Desired Settlement: Remove negative items reflected on my co-signer ([redacted]). My payments are automatically scheduled.

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 12, 2015. Please allow sufficient time for postal

delivery.

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: 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: My employer sent a check for approximately $4700 to Navient on May 5, 2014 to pay part of my student loans. They inadvertently sent it to the correspondence address, not the payment address. Navient cashed the check but did not apply it to my student loans. They said they reimbursed the money to my employer but my employer has no record of it. On December 5, 2014 I requested that Navient fill out a simple form asking for my employer to reissue the original check. Navient said they would fill it out, but when I have called on a weekly basis since December 5, I keep being told that they sent the request to the wrong department, and they will rectify it. It is now 3 months later and I am still waiting for Navient to fill out a form so that my employer can reissue the check, however Navient seems unwilling to do it. Even worse, Navient claims to have reimbursed my employer the money, however my employer has no record of being repaid the $4700. Navient customer service is very unhelpful when I call, and the fact that they have told me for 3 straight months that they keep sending my simple request to the wrong department is unbelievable.Desired Settlement: I would like Navient to provide proof to my employer that they refunded the $4700 (perhaps provide a cancelled check). I would also like them to fill out the form I sent them on Dec 5, 2014 requesting my employer to reissue a check.

Business

Response:

A representative from the Office of Customer

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

issue with the customer.

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: 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: I have been made to believe that I am capable of paying off the principle of my loan before the intrest if I so state that the loan is to be paid first and they are not willing to do this in in this manner and will only pay on the loan interest before the loan and I have contacted the company regarding this issue and they are not will nor with provide me with information in order to be capable of doing so.Desired Settlement: to be capable of paying the principle of my loans off before the interest on the loan so I do not owe more on the loan that I need to in the process of time for paying off the loan

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 20, 2015. Please allow sufficient time for postal

delivery.

Review: The reason for this writing is to explain to you that I am a victim of internet fraud and forgery through Sallie Mae (now Navient). In 2014 the DOJ announced a settlement with Sallie Mae for unfair and deceptive practices related to student loans in violation of section 5 of the Federal Trade Commission Act.

Between 2002 and 2005 I co-signed four student loans for my cousin Ari Benjamin through Sallie Mae. In February 2010 I applied to have my mortgage refinanced through Bank of America. The bank rejected my request due to 8 outstanding student loans equaling $190,000.00. The bank sent me a credit report listing the loans. After an investigation with Sallie Mae I received copies of the approved fraudulent student loan applications. I do not have a problem repaying student loans but I will not pay for fraudulent student loans.

I have written proof that I did not sign 4 of the 8 loan applications. These fraudulent loan applications were submitted with an IP address from [redacted] University were Ari attended school.

Sallie Mae’s position is that I approved all 8 of the questionable loan applications with my electronic signature. Sallie Mae does not know my electronic signature. The only electronic signature Sallie Mae is aware of is the one sent from [redacted] University and that is not my signature. Also, Sallie Mae claims that they sent me a disbursement of funds notice for the new loans. Sallie Mae placed the disbursement notices in with the late payment notices. I retained the late payment notices in the beginning. After the late notices started to accumulate I discarded all other late notices. Sallie Mae will not remove the 4 loans until I can prove fraud. I have contacted and complained to Sallie Mae every year since 2010.

When I last spoke to [redacted], his position was that he knows nothing about submitting application through the internet. I have left numerous phone messages, with him, which has gone unanswered.

I am requesting that you pursue this case and to clear my credit record until A) the fraudulent student loans are removed from my credit record and B) all information pertaining to me is expunged from all Sallie Mae records. Sallie Mae has the authority to distort my credit record but does not practice authenticating my signature. If my information is not removed from Sallie Mae’s records there is a very good chance that I may find more fraud in the future.Desired Settlement: Fraudulent student loans are removed from my credit record and all information pertaining to me is expunged from all Sallie Mae records. If my information is not removed from Sallie Mae’s records there is a very good chance that I may find more fraud in the future.

Business

Response:

Thank you for

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

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

Postal Service on October 30, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: I have had three months in a row, of Navient dropping the ball on the billing transfer, from Sallie Mae, causing injury to my credit rating, and payment history.Three times, once each month's billing cycle, this has been addressed and "corrected", each time, it has been a lie.The juvenile customer service department is abhorrent, and one is more likely to be passed onto perpetual hold, than to find an answer to some very vital questions.These are people's futures, they're dealing with, and they are hurting a whole lot of innocent people, with zero remorse.Desired Settlement: I will require appropriate positive notations, on all of my credit records, including a written apology, noted to each file, in addition a publicly televised statement, during national primetime, on all major networks, apologizing for potential damage to so many lives. I might demand an international, viral campaign, including all due supplication, to every single student affected.Short of that, they could refund all of my money. But, I don't imagine, honor or integrity matter much to 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 January 9, 2015. Please allow sufficient time for postal delivery.

Review: Navient took over my student loan debt on October 13, 2014 from Sallie Mae. They Where paid in full on November 6, 2014 from a Debt Consolidation company. They are still reporting on my credit that I have an open balance and that my accounts are delinquent? The third party company has verification that my loans where always deferred and the dates. I have spoken to [redacted], Agent ID# [redacted] on Friday Jan. 9th 2015 after 3:00 pm for over and hour in which she advised that she was sending me an expedited letter to be received that following Monday by end of that business day and expediting my credit reports to be corrected. I also called on a three way recorded line with a third party company that night and spoke to [redacted], Agent ID [redacted] I was advised the same thing on a recorded line through third party company, on this call I not only requested that [redacted] and a Manager contact me. I was told on a recorded line that I would receive a call back in 24 hours from both [redacted] and a Manager?? That Never Happened!!! Monday comes and I have no LETTER!!! I call back and speak to a Manager named [redacted] at [redacted]. Was told that he would expedite me to receive a letter the next day on Tuesday Jan. 13th 2015 by 3:00 pm!!! This was Never Received!! And He HAS Not Picked Up His Phone!!! This Letter Needed to GET TO ME for A DEADLINE FOR A JOB I WAS APPLYING FOR!!! I Now WANT TO SUE THE COMPANY If I DONT RECIEVE THE POSITION DUE TO Opportunity COSTS!!!! I AM DISGUSTED HOW THIS HAS BEEN HANDELED & THE FACT THAT I WAS JUST REQUESTING A LETTER THAT TAKES LITTERALLY 30 MIN. TO TYPE WAS NEVER DONE IS RIDICULOUS AND ILLEGAL TO REPORT THINGS INACCURATE ON MY CREDIT REPORT!! THIS IS COSTING JOB OPPURTUNITIES, WHICH CAN BE FACTORED FOR LOST WAGES, [redacted]EFITS, AND OPPORTUNITIES FOR LOANS AND ANYTHING THAT IS REQUESTED FOR VIEW OF MY CREDIT!! I AM OUTRAGED THE COMPANY HAS TAKEN THIS SLACKNESS AND TO DO THINGS NOT ONLY ILLEGALLY BUT GOES FOR MAKING THE SITUATION WORSE INTO NOT HANDELEING AND PROMINSING DATES!!Desired Settlement: I WANT MY CREDIT FIXED WITH ALL THREE BUREAUS AND PROOF OF CORRECTIONS!!! & LETTERS TO SAY THE DATE THEY TOOK OVER THE LOAN, WITH THE ACCOUNTS LISTED AND FROM WHO: SALLIE MAE, AND THE DATE THEY GOT PAID FROM THE THIRD PARTY WITH ALL ACCOUNTS SHOWING NOW A ZERO BALANCE!!! I ALSO WANT A SETTLEMENT OF $160,000. FOR OPPORTUNITY COSTS THAT THIS HAS CAUSED ME!!

Business

Response:

Thank you for

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

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

Postal Service on March 11, 2015. Please allow sufficient time for postal

delivery.

Review: Navient has been unable to process or to tell me what information they need to process changes to my loan repayment schedule. This has resulted in two instances of my account being automatically debited when it was not supposed to be. Each time I talk to a representative the information I need to send them changes.Desired Settlement: More federal government oversight and involvement in the student loan industry.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on August 4, 2015 and resolved the

issue with the customer.

Review: I attended college from 2007 until 2011 with loans managed by Sallie Mae. Sallie Mae transferred my loans to Navient sometime around 2012 which led to MASSIVE delays and bad communication. In January up until April 2012 I was HARASSED by Sallie Mae employees to sign and make payments towards my federal loans, which were INCORRECTLY applied to private loans that 1) I had no knowledge of 2) NEVER authorized. MOST IMPORTANTLY, I was technically in my grace period, as my official graduation date from [redacted] was 12/31/2011. I did NOT graduate in May 2011, and was taking a summer course which rendered me a FULL TIME student. The course was intended to end in May and unfortunately the SCHOOL did not properly notify the lenders. The course was not completed due to a documented disability until November 2011 which left me to have an official graduation date of December 2011.

I have SEVERAL LATE PAYMENTS on my credit report due to this discrepancy and documents from the school, in the form of transcripts and enrollment status letters to prove Sallie Mae and Navient did not honor my grace period. Because of these errors I have late payments on my federal student loans negatively effecting my credit that are being incorrectly reported.Desired Settlement: I would like to have late payment dates/missed payment dates on all my federal student loans adjusted to reflect my actual graduation date and grace period in addition to the late payments removed from my credit report at all 3 bureaus.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on August 17, 2015, and we are working with the customer directly to

resolve the issue.

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: In September I mailed Navient a loan payment of $250.00, this payment did not clear my bank account until November. Despite myriad conversations Navient refused to acknowledge that the payment had cleared. I sent Navient a copy of the cleared check from my bank it was acknowledged by a Navient supervisor that the cancelled check was received on December 2nd. As of today the payment has not been posted to the online account I have with Navient. navient also calls frequently requesting the payment they have already received.Desired Settlement: I would like Navient to acknowledge payments received and update my account so I am free to refinance with a reputable organization.

thank you

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 30, 2014 and resolved the issue with the customer.

Review: For the third month in a row, I have paid my Department of Education loan on time only to receive a notice that I have missed a payment and to have fees and penalties tacked onto my account. I have called each time to make them fix my account, take back the fees, and to send me a hardcopy letter detailing that the error is all their fault and not mine - to protect my credit should I have to argue with them later. They've fixed the account each time - after wasting an hour+ of my time on the phone, but they've yet to send the letter as promised. I cannot keep playing this game with them. They need to fix their system and stop with these predatory tactics. What if I wasn't paying as close of attention and just let this problem go without forcing them to fix it? Slimy.Desired Settlement: I want the letter in hard copy and electronic form detailing that this is NOT my error - that it is theirs, and that my credit should not in any way be affected. Also, I want them to fix their system already. I should not have to go through this every single month. I have a job and I don't have time to waste on the phone during a weekday with them every month after they patronize me for 'missing a payment' for a half hour before they look at the actual record and see that I've paid.

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 29, 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: The following amounts were deducted from my checking account on the following days:

1095.01 3/9

1112.41 3/9

2056.33 3/9

1095.56 3/11

The total amount of these deductions amounts to: $5359.31

The following amounts were applied to my outstanding student loans;

1682.59 loan #1-02

373.74 loan # 1-04

16.01 loan # 1-06

1095.56 loan # 1-06

1124.27 loan # 1-07

The total amount credited to my loans was $4292.17.

This leaves $1067.14 that was taken out of my checking account and not applied to my student loans. My husband handles my financial books and he has spoken at length with the customer service representatives on two separate occasions regarding this matter without resolution. I have also sent in a copy of my checking account statement as the customer service representative requested and emailed the company for an update to this situation and have not received a response from them.Desired Settlement: I would like the $1067.14 returned to me as soon as possible, as well as the 6.8% interest rate that Navient is charging me on my student loans since this was taken out of my account in early March 2015.

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 22, 2015. Please allow sufficient time for postal delivery.

Review: I made a payment on 11/21/2014 for the exact amount of one my loans. There is no way currently, and for the past 9 years at least, to pay a single loan online. I email them a few days later to have them make the payment towards just one my loans, the one that had that exact amount due. I never received a response that they received my email or changed anything. On 12/12/2014 I called to correct this matter since they were still showing that I was past due on that loan. The first person I talked with said he could do anything about that. I made a smaller payment at that time and then he transferred me to another rep there to correct the issue. After talking with them they said they had fixed the issue and that they were going to transfer me to another person to make it so that I could pay my loans separately online. After waiting for 5 minutes I hung up. I just checked again today and it is still showing the past due amount on that loan like I never made a payment to that loan. I just emailed them again to correct this. However I fear that I won't hear from them and that the problem still won't be corrected.

Just my general experience with Sallie Mae/Navient and not directly related to this recent incident. After the many years of trying to work this company and all that I have paid to Sallie Mae/Navient I feel they are one of the worst companies to deal with. I owe more than 4 grand now on my loans than I originally took out and that is after making years of payments. I know others who have shared my experience and I don't think this is right. I feel completely taken advantage of, that they are just taking my money, my families money, and my loans never have lowered during the course of nearly a decade.Desired Settlement: I want the November payment to be paid towards the single loan with that exact amount of $160.21 due. I also want to be able to pay a single loan online without having to call them every month to do this. I don't feel this is too much to ask in this day and age.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 29, 2014 and resolved the issue with the customer.

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Description: Loans

Address: PO Box 9635, Wilkes Barre, Pennsylvania, United States, 18773

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