Navient

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: 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: 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: 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 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: 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 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: 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: 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: 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: 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: 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: 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: 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:

Our student loans were moved from Sallie Mae to Navient. We were not made aware of the change. Then we start getting harassing phone calls from a company we have never heard of saying we were late on payments. Then, the balance we owed to Sallie Mae was a lot less than the new balance Navient says we owe. I made a payment that covers several student loans with the total given to us to pay, but they then applied the total to one account, making the other accounts delinquent. My husband and I have both called over 8 times trying to straighten the issue out, with only one person that was somewhat knowledgeable and nice. The customer service is terrible. Not only are the smug and rude, they have no idea what they are doing. They will call 100 times a day though for money that was paid to them. They have also charged us late fees for their mistakes. Terrible company, terrible employees.

Review: Hello, for the last 9 years my spouse [redacted] Has been being harassed by your company claiming to collect a debt and he has been unable to Pay back, It went into default in 2004 He was in the beginning to go to school and gain a career in Business managment however he was lied to and Now Sallie Mae has been calling and harassing His family, friends & girlfriend- This Is Beyond in appropriate. He hasnt been recieving notices, Somehow Sallie mae agents found my Cellphone number And harassing the [redacted] out of me I did NO give THEM My cell phone number I dont even know how they recieved the Private information Sallie Mae reps are convinced [redacted] Owes them 43,850.00 This Is Sooooo Incorrect information [redacted] cannot even gain employment to even attemptg to pay off the debt I do NOT appreciate Sallie Mae Calling and Harassing My personal Phone number or My brother's line & mothers loine We didnt give them this permission Or the ok to call us Pleases tell Sallie May or whoever took over If they contact again We will takke them to court for harassment and breaching contract what they Have been doing is illegal I did NOT give them my person number and they Keep calling myself & My family ITS SOO Un called for And beyond Inapporiate

Product_Or_Service: sallie Mae loan SVCSDesired Settlement: DesiredSettlementID: Refund

we want his debt cleared and have all his phone numbered removed AND for them not to harass people, they done this to Millions of people who have the same issue AND NOT TO expolit peoples person phone# s Unauthorized people If they Need to get a hold of him they USE MAIL Nothing more Nothing Less If they wont Then set a court date IN AZ this hAS happned Numerous times IN AZ towards [redacted] & Many MANY others aso the 62,755.00 He wants to be reimberes

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 20, 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.

Review: Navient debited my account twice. They sold my loan to another company and then they debited my account after. The new company is the one who even told me that Navient had auto debited my account and owed me a refund. Navient did not notify me. I have been on the phone five times since this has happened Nov 24. They keep telling me it will take 3-5 business days to put back into my account but it doesn't happen. They have even told me they tried to send it back to my account but couldn't find the account--- the same account they took the money from. It's almost comical, almost. Today I went to my bank and it's not there because they can't figure out they need to send to my savings account. They keep sending it to my nonexistent checking account.Desired Settlement: I would like them to return the money $157to my account promptly.

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 22, 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.

Review: In 2013 when Navient was Sallimae my forbearance came due and I could not get a new one or afford the payments. After a number of phone calls I was referred to the Direct Loan Consolidation program offered by the Department of Education. On October 6th 2013 I applied and was approved for this loan which paid off Salliemae. I am upset that they did not refer me sooner. On my credit report it shows that I was 90 days late in September of 2013 and 120 days late in October of 2013. The rest of my record is clear.Desired Settlement: I want my credit reports fixed to reflect a good payment record. Not only is my record incorrect as it stands but the people at Salliemae should have offered this option as soon as I explained I could not afford the payments

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on January 5, 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: My issue with Navient involves their notification practices around student loans. I received a messaged today (March 6th) telling me that I am two months late with a student loan bill. I have never heard of this company before. They could send me a message telling me that I am two months late but would not even let me know that the payment was coming due. I did not receive a single mailing, a single phone call, or even an email until today. These loans have been transferred so many times that I am at wits end. First Sallie Mae then Discovery and now Navient. WHEN I LOGGED INTO AN ACCOUNT THAT WAS ALREADY CREATED WITHOUT MY PERMISSION I SEE MY PHONE NUMBER AND EMAIL THERE. Really and I was not properly notified?!?

It is grossly unethical for an organization to not give proper notification. I have the resources to pay this bill, but was not given the opportunity to do so. It is sad that this will negatively affect my credit history when I was not given proper notification. All of my other loan companies notified me after I finished my graduate studies and an arrangement was set up. Why did not this company do the same?Desired Settlement: I want any adverse information removed from my credit report. I was not given proper notification (no phone call, email, or mail). Other student loan companies were able to contact me and set up a payment plan.

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 12, 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: 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.