Navient

Review: I was a customer of [redacted] now I am a customer of this company, who I believe is [redacted] under a stupid name. This is my 5th complaint for this issue and I am not getting any type of answer or resolution from anyone and I am getting really close to saying screw it and suing both [redacted] and Navient.

I currently have a private loan that is in an interest only repayment plan that I received after my 3rd complaint to the Revdex.com. This company, just like [redacted] is expecting me to pay over 300+ a month if I get out of the interest only repayment plan. After numerous attempts and a talk with a supervisor, who also was no help, this company will not help me in making any type of attempt to help me get an affordable payment plan that can actually decrease the amount that my loan currently has. They also WILL NOT remove my father as a cosigned, even when I explained to them to the point of tears, that he is disabled, living off a disability because he cannot work and I don't want him to pay my debt when he shouldn't!

They also based my loan payments based on a job I had when I applied for the loan. Which two months after I applied, I lost my job due to being laid off and was unemployed for a year and a half to two years. I can't make 300+ dollar payments every month or else I would be on the street.

This company does not care about their customers. All they want is money. If we cannot come to a agreed resolution, my next step will be getting in contact with a lawyer, and a lawsuit will be pending. And I am very serious in this matter because I use to work for a lawyer and he will have no problem helping me out. And I will continue to file complaints until a final resolution is agreed upon.Desired Settlement: I want this company to remove my father off my private loan as cosigner due to his disability.

I want this company to come to an agreed payment arrangement that can benefit both me and the company.

I want this company to NOT call my father FOR ANYTHING in regards to my loan, regardless if he is cosigner or not.

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 12, 2014. Please allow sufficient time for postal delivery.

Review: The transition from Sallie Mae to Navient one of my loans was not included in the agreed upon repayment plan. After receiving a letter that my current repayment plan would be ending I got the information that my loan was past due and had collected late fees since they had forgotten to include it in plan. I then completed budget assessment as did my cosigner and I was told that it would only make a difference of about 20$ with an increase of interest rate. I was then given a repayment amount of which I confirmed with customer service agent was my amount due for December and that the amount to be withdrawn on 11/28 would maintain a current account. I received a call on Sunday 11/30/14 logged into my account to see it reflects a past due status. They also called my co-signer’s home on a Sunday after she had already completed the budget reflecting that her spouse recently lost his employment and was not able to assist with repayment.

They have provided me with misinformation both times I have talked to the call center and do not provide realistic repayment plans.Desired Settlement: My account to reflect up to date as confirmed by my conversation with a representative on 11/25/14 and this amount was withdrawn on 11/28/14. I would also like an agreed upon repayment plan that takes into account my current income and cost of living.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 3, 2014 and resolved the issue with the customer.

Review: I recently checked my credit score to find that Navient incorrectly reported activity that does not coincide with the information that I have recorded. My student loans were transferred to this company and in October 2014 I applied for the Income Based Repayment Plan and I qualified. My payments are $0 per month until next year Oct 2015. December 7th, 2014, they reported to the credit bureaus negatively. My credit score was impacted by 13 points.Desired Settlement: I need this company to send a letter to all credit agencies indicating that my account is not in bad standing and that any negative remarks needs to be removed. This needs to be done within 7-10 business days. I have also mailed a written response 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 December 19, 2014. Please allow sufficient time for postal delivery.

Review: I have a student loan through this company. Navient sent correspondence to non-immediate family members and my employer under the false premise that I have listed them as references on my student loan... The letter then states that they have made several attempts to contact me to no avail and they list my mailing address on file.

My issue is that my employer and those family members that were contacted were NEVER references on my student loan!!! Much worse is the letter sent to my employer is opened by a third party group that is NOT authorized to have my personal information!!!

This is a violation of my privacy and extremely unethical!!! Under the FDCPA employers are contacted as a LAST RESORT when looking for personal information, at the time my payment was a MONTH late. NOT acceptable!Desired Settlement: REMOVE MY EMPLOYER FROM NAVIENT'S CONTACT LIST

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: Since November of 2014 I have contacted several Navient representatives, including 5 Supervisors, to try to get this issue resolved. In September of 2014, I received an email indicating that if I agreed to the terms and conditions of the offered Forbearance as listed in the email, then to simply reply “yes” to the email to be enrolled. That November, I received another email indicating the exact same thing, to which I responded “yes” again that same day, only find out that all 10 of my accounts had been reported as 90 days delinquent later on that evening. Shocked and upset since I was under the impression that my account was enrolled into a Forbearance, I immediately contacted Navient to let them know what was going on, only to find out that I was not enrolled in a Forbearance and was told that there was no record of my emails or responses, not even the one that was sent only hours earlier. I had the representative enroll me on the phone that night and was told that nothing could be done as far as my credit goes. After learning that this incident resulted in my family and I not being able to move into the house we were closing on later that week due to my credit score dropping so much, I called back to see what I else I needed to do to get the matter corrected, I spoke to two agents and a Supervisor who told me to fax in both emails and responses so that the issue could be resolved and my credit could be updated. I consistently calls for 2 ½ weeks to check on the status only to be told that my dispute had been resolved and that nothing would be updated because there was not record of any emails being sent to me. After calling again, I was told that the emails were found but there was no record of my responses. After being told numerous and varying stories I finally made my way to a Supervisor and thus experienced THE most condescending, degrading, and horrible conversation to which I was told that out of millions of customers, I was the only one with this issue and it was my fault that I was late on payments even after expressing that I was under the impression that I was enrolled into a Forbearance. The call at that point became so ridiculously disturbing, I terminated the call and called back to speak to another Supervisor that assured me that he would look further into the matter and call me back – the call was never returned.

I am absolutely mortified by this entire experience and only want it to be resolved.Desired Settlement: As expressed on the numerous phone calls I’ve made to Navient, I did what I needed to on my part and the fact that Navient did not fulfill their end of the bargain has negatively impacted me on a multitude of levels in a SEVERE way. That said, I would just like this issue to be resolved by having the 90 day marks removed from each of my credit reports as I was initially told they would be once I faxed in the requested documentation. I have read an abundance of complaints that speak to similar issues that I’ve had so since I am not the only individual that this has and is happening to, as I was told, I would like to have the issue rectified so I can move forward.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on February 5, 2015 and resolved the issue with the customer.

Consumer

Response:

Review: ACCOUNT #9792145543

I am a co-signer on my daughter’s student loan. The loan has become due and we are making payments. Through the company Navient, which was previously Sallie Mae, we have both Federal and Private student loans.

As we repay the loans, Navient doesn’t make it easy. Question, is there a reason we can’t consolidate the loans within this company? Every time we call to inquire about our loans we seem to speak with staff members who don’t know enough about the company to help. They are one company, but the Federal side can’t help me with the Private side and vise versa. So I am transferred from one to the other often being disconnect and having to start the process over.

Another question, why can’t I consolidate each Private loan and each Federal loan? Currently we have to make at least four separate transactions for each loan classification. This is both annoying and confusing. Not to mention each has a different interest rate. It is as if they want us to fail in our repayment.

I am somewhat frustrated to the point I had to draft this complaint. This company does not operate with a spirit of fairness.Desired Settlement: Consolidation of all loans and a fair interest rate.

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 19, 2015. Please allow sufficient time for postal

delivery.

Review: I have a huge amount of student loans that are under consolidation with Navient (formerly Sallie Mae). I am enrolled in Income Based Repayment, but the payments are so low that I will never be able to pay off the loan, which the balance will be forgiven after 25 years. I have tried to speak with customer service at Navient to pay an additional amount over the IBR payment (which I have been told by a financial adviser that I am allowed to do) but am repeatedly told by the customer service representative that my payments will either be $15 a month on IBR, or $1,200 per month on standard repayment, with no option in between. If I continue to only pay the minimum, I will be bankrupt by the taxes owed on the remainder of the loan forgiven in 25 years, but Navient does not seem interested in actually helping me to pay down my loan. I have emailed the Federal Student loan Ombudsman as well, but have not gotten a reply.

Asking to speak to a supervisor at Navient resulted in a 25 minute hold on the phone, only to then be disconnected. Email correspondence has not completely addressed my problem.Desired Settlement: I want to be able to pay over my IBR amount and have it applied either to the interest on the loan or to the principal of 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 March 12, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: This Company keeps calling me trying to collect loans from numerous people that I don't know. I keep asking them to take me off of their call list and they say ok will happen in 24 hours then it all starts again. It is causing me a lot of stress. I am seeking medical help because of these calls that started about a month ago. I hold the CEO [redacted] responsible for this.Desired Settlement: Want the calls to stop immediately! My number is [redacted] Please make them remove it from there list!

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:

Review: Every time I attempt to make a payment online, I am told that "because of the status of my account" I am unable to do so. When I call I am not able to make a payment either and as a result my account is past due. No one can tell me why, my calls are not returned, and all I am told is that my account is in "Litigation". They are unable to explain what that means.Desired Settlement: I want the past due status removed from my account and I just want to be able to pay my bill!

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 7, 2015. Please allow sufficient time for postal

delivery.

Review: Payment deferment request submitted online twice. Each time it has been closed out with a notation that proof of income was not provided. Submitted proof of income for each request online and received an email acknowledgement that the documents were uploaded. Also faxed (third submission) proof of income on 4/13. Obviously concerned that the documentation is being ignored and the serious impact this could have on my credit rating with an unprocessed request and past due payments.

From Navient Online Deferment Tracking Screen: 03/26/2015 Economic Hardship deferment request pending approval.

03/31/2015 Economic Hardship deferment request denied. Proof of gross income was not provided.

04/07/2015 Economic Hardship deferment request pending approval.

04/17/2015 Economic Hardship deferment request denied. Proof of gross income was not providedDesired Settlement: Process the deferment request immediately based on the online application and proof of income provided by upload and fax as well as emailed to Navient.

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 27, 2015. Please allow sufficient time for postal

delivery.

Review: Unable to get there web site working to make payment on student loans. It will not allow me to make a payment through the website. Then when I mail in a payment the funds are not directed in the correct manner. Therefore I am paying more in interest. It is difficult to pay bills and set up auto bill pay when website will not function

I have contacted customer service through email and phone calls. Customer Service has removed email as an option to avoid written communications. No resolutions have been attempted nor have I been contacted for solution.

Contacted Navient in January 2015 of these issues.Desired Settlement: Web site updated to allow online payments and working status with proper protection from hackers. Interest rate lowered and credit into account.

Business

Response:

Thank you for

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

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

Postal Service on April 29, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I had over over $7k taken out of my account by Navient and I was not given any information on it because they said my account was closed.

I went to get some gas at the gas station on Friday 4/17/15 and my card was denied. I immediately checked with my bank and I saw that there was a withdrawal of over $7000, from a company called Navient. I had no idea who this was. There was a number associated with the account so I called it to find out what was going on. They told me that they were now the company that is taking care of collections etc for student loans and that they had taken that money for loans that I had. Here's the problem: I have never taken out student loans. I've only used FAFSA, which was around 10 years ago. They finally gave me information to logon to their site and it had 2009 as the year of the student loan I was married and pregnant with my second child by then and not in school. Navient would not give me any information because they said that the account was closed and they couldn't do anything with a closed account. They said that they had sent 2 notices to our previous address and 1 notice to our current address, which we have never received any of them. Other than those supposed 3 attempts to contact us we haven't heard ANYTHING from them and then all of the sudden basically all of our money is taken out of our account leaving us with NOTHING!! We have small children and now all of the sudden we have no money, not even for food, gas or anything. They would not allow my husband to be added to the account in order to get a better understanding of what was going on. They just said that they could not speak with him because he was not on the account and the account was already closed. The only thing that they could do is send us some type of documentation that we would have to fill out and get notarized and send back to them,,and all the meanwhile we are completely out of money. HOW CAN THEY DO THIS?!!!! They can take money out of our account but can't explain why or where this money originated from?Desired Settlement: 1. I would like an explanation of the charges

2. Upon explanation of the charges, I would like a refund.

Business

Response:

Tell us why here...

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 5, 2015. Please allow sufficient time for postal delivery.

Review: I have been attempting for over a week now to collect my payment history amount and information from Navient unsuccessfully. My initial request yielded an answer that had only the last 6 months payment for only 3 of the 7 loans they service on my behalf. They told me they were unable to send me the rest of the information but that it was available online for viewing and that there is a print option. However, the print option only allows printing back to 3/6/13. My loan repayment history goes back to 2008. I then tried to copy paste the information to make my own document, but the information did not transfer well and became garbled. After being very unsuccessful in trying to print the history, I called again. They were able to tell me the total amount I have paid thus far, but after doing the math the amount they gave me are too small because the number is not big enough to cover the two loans I have already paid in full. I have no way of checking for their error. I believe they are intentionally keeping this information from me in order to keep me on the repayment treadmill indefinitely and illegally.

Original total loan amount for all 7 loans: $23,690.00

Total amount towards principle and interest Navient said I paid: $15,653.15

Current total amount as of 5/6/15(w/ loans 1-01 & 1-03 PIF): $21,207.70

PIF=Paid in Full

Generally, not always, but for 8 times out of 10, I have paid above the amount requested by Navient and their predecessor, Sallie Mae. I usually pay $250 per month total to Navient. Using the extra money to target one specific loan, which is how I have managed to pay off 2 of the loans already. On occasion when I found myself with extra funds, I would make a double payment in a month or purposefully take a sizeable chunk out of a specific loan.

Now $250 x 12 months x 8 years = $24,000

I believe my total payment amount is closer to this $24,000 figure, if not more because I have made double payments on occasion, than to the $15,653.15 they have quoted me.Desired Settlement: I would like a full list of my entire payment history for all 7 of the loans serviced by Navient. The numbers for my 3 private Signature Student Loans are: 4222, 4230,4248. The numbers for my federal Stafford loans are: 1-01, 1-02, 1-03, 1-04. Thank you Revdex.com for your help in this matter.

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 13, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: Upon making an additional payment on a loan, Navient double billed, taking the money twice. After contacting them, we were told we would receive the refund within two weeks. After four weeks, the payment still hasn't arrived. I called back and had to go through the whole process again, and they are telling me it will be another week or two. We should have received an instant refund when we originally called, but they keep delaying.Desired Settlement: I would like for the company to realize they cannot hold on to other people's money for extended periods of time for no reason. With how difficult it has been for us on both occasions, I can only imagine how many other people have similar issues.

Business

Response:

A representative from the Office of Customer

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

issue with the customer.

Consumer

Response:

Review: I have fully paid off my student loans at Navient through another bank, as a refinance. The payment posted on May 10, and was paid over what I owed. I called and was told it would take a month to process and get sent out. Today, is June 11th and have not received the overpayment back, nor when I called was told it was sent out. I was told it would take another 30 days from June 2 when an adjustment was made to be sent out. From here, I was told it would take 14-21 day for me to obtain the money. This is an 70-80 day rate to get money I am owed, which is nearly 3 months. In addition, this money is part of a refinance and thus I am paying interest on it, which means I will owe 2 months worth of interest on money have not technically received.Desired Settlement: I would like the money I am due within a more reasonable timeframe since as a borrower I would incur late fees or penalties for such delay in any payment. If said cannot be accomplished, then I would compensation for the interest I have accrued from their untimely delays. It would be only fair since I believe the reason the processing has taken so long is the calculation of accrued interest on my account from the difference when the payment is scheduled to when they received payment.

Business

Response:

A representative from the Office of Customer

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

issue with the customer.

Review: Money was withdrawn through bank e-pay system to Navient. shortly after, email was received noting June payment was not received; after verification with bank that account number was correct, Navient was called. They requested proof of payment from bank including confirmation number. E-pay information was obtained from bank and faxed to Navient as instructed. Call was made to ensure receipt of fax. Fax received. In the mean time, email received from navient indicating delinquency. Call once again made to Navient requesting that credit be made to account to reverse delinquency. It was noted that even though they had proof that payment was sent and received, no money would be credited and I would remain in delinquency until they found where they put the money.Desired Settlement: Proof was provided and I expect my account to be brought up to date and my credit not be harmed by this incident that was brought on by Navients financial mistake.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on June 25, 2015, and we are working with the customer directly to

resolve the issue.

Review: I am requesting that Navient please remove the delinquency from my credit report for my school loan. I was given a forbearance on my loan but failed to receive documentation instructing me to continue payment. They did not contact me via mail and I do not access the email they have on file. I am currently enrolled back in school and I a pleading that this be removed from my credit history. I have not made a late payment in 10 years since the loan started. I would like to request all correspondence be done via postal mail.

[redacted]Desired Settlement: The removal of past due payment from my credit report.

Business

Response:

Thank you for

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

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

Postal Service on July 15, 2015. Please allow sufficient time for postal delivery.

Review: I recently rehabilitated my student loans through Great Lakes Higher Education. There is a remaining account on my credit report pertaining to account #[redacted] with Sallie Mae regarding my student loan. It says that my account has a claim filed with the government and that the debt is being paid through the government. This is false. I don't owe any money to Sallie Mae and my student loans are in good standing and are not delinquent. This negative information on my credit report is hindering me from obtaining employment and finding proper housing. I have attempted to dispute this with the credit bureaus, but I am not finding closure. This information should not be on my credit report and it says that it is on record to report to the credit bureau until April 2019. How can this be when I graduated college in 2006? This is blatantly illegal and with all that is going on with this country and usury involved with student loan interest being placed on kids who don't know any better, I refuse to be pushed around by Sallie Mae.Desired Settlement: This account should be removed from my credit report on Experian, Equifax and TransUnion immediately. I am giving you an opportunity to do this now, as you were unwilling to work with me when I disputed the accounts via the credit bureaus. If you are unwilling to get this trade line removed, I will go to the CFPB.

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 12, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: 8/11/15 ON 6-23-15 I RECEIVED A LETTER FROM NAVIENT [redacted] STATING THAT MY FFEL LOAN WAS IN DEFERNMENT FROM 5-10-15 THRU 4-30-16. ON 6-2-15, 6-28-15, 7-6-15, 7-26-15- I HAVE ALSO FAXED WITH CONFIRMATION & MAILED PERTINENT INFORMATION WITH CONFIRMED TRACKING NUMBERS TO NAVIENT ABOUT MY FFEL LOANS; & REQUESTED TO BE ELIGIBLE OR OTHER FORBEARANCE & DEFERNMENT OPTIONS. BUT WHEN I CALL NAVIENT A FEW DAYS LATER TO FOLLOW UP ON THE INFORMATION FAXED & MAILED TO NAVIENT SEVERAL NAVIENT PHONE CLERKS STATE MY INFORMATION IS NOT ON FILE OR NOTE RECEIVED. FURTHER MORE MY IMPORTANT STUDENT LOAN INFORMATION FORWARDED TO NAVIENT IS DISCARDED REPEATEDLY WHICH IS ILLIGAL & UNFAIR PRACTICES ON NAVIENT'S BEHALF. I NEED NAVIENT TO CEASE MAILING ME LOAN COLLECTION DEBT LETTERS FALSELY STATING MY LOANS ARE DUE ON 8/19/15. IN ADDITION, NO NEGATIVE CREDIT BUREAU REPORTING BECAUSE AGAIN MY FFEL LOANS ARE IN DEFERMENT UNTIL 4/30/15 FOR ACCOUNT [redacted]. NAVIENT FAX [redacted] P.O. BOX 4200 WILKES-BARRELE, PA 18773. 8/11/15 ON 6-23-15 I RECEIVED A LETTER FROM NAVIENT [redacted] STATING THAT MY FFEL LOAN WAS IN DEFERNMENT FROM 5-10-15 THRU 4-30-16. ON 6-2-15, 6-28-15, 7-6-15, 7-26-15- I HAVE ALSO FAXED WITH CONFIRMATION & MAILED PERTINENT INFORMATION WITH CONFIRMED TRACKING NUMBERS TO NAVIENT ABOUT MY FFEL LOANS; & REQUESTED TO BE ELIGIBLE OR OTHER FORBEARANCE & DEFERNMENT OPTIONS. BUT WHEN I CALL NAVIENT A FEW DAYS LATER TO FOLLOW UP ON THE INFORMATION FAXED & MAILED TO NAVIENT SEVERAL NAVIENT PHONE CLERKS STATE MY INFORMATION IS NOT ON FILE OR NOTE RECEIVED. FURTHER MORE MY IMPORTANT STUDENT LOAN INFORMATION FORWARDED TO NAVIENT IS DISCARDED REPEATEDLY WHICH IS ILLIGAL & UNFAIR PRACTICES ON NAVIENT'S BEHALF. I NEED NAVIENT TO CEASE MAILING ME LOAN COLLECTION DEBT LETTERS FALSELY STATING MY LOANS ARE DUE ON 8/19/15. IN ADDITION, NO NEGATIVE CREDIT BUREAU REPORTING BECAUSE AGAIN MY FFEL LOANS ARE IN DEFERMENT UNTIL 4/30/15 FOR ACCOUNT [redacted]Desired Settlement: I NEED NAVIENT TO CEASE MAILING ME LOAN COLLECTION DEBT LETTERS FALSELY STATING MY LOANS ARE DUE ON 8/19/15. IN ADDITION, NO NEGATIVE CREDIT BUREAU REPORTING BECAUSE AGAIN MY FFEL LOANS ARE IN DEFERMENT UNTIL 4/30/15 FOR ACCOUNT [redacted]. NAVIENT FAX [redacted] P.O. BOX 4200 WILKES-BARRELE, PA 18773.

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 21, 2015. Please allow sufficient time for

postal delivery.

Review: I filed a complaint on Thursday, August 20, 2015 about USAfunds. I do not know if it was the correct company in the list but I know it is the same as Navient. I called Navient today, and they still refuse to try and resolve this issue of double reporting on my credit from Navient/USAFunds. They also hung up on me and called me back from a blocked number. [redacted] from the Escalation team said that It's the department of Education's fault although I was paying them before I was paying the collection agency. I've been paying Navient 270+ for 15 months since May 2014. Wyndham Professionals contacted me in January of 2015 asking for $5 per month for 9 months to get me out of default. How is that rational. 5 dollars for 9 months gets me out of default but 270 for 15 does not? Somebody is trying to get over on me. I have a copy of my credit report and bank statements to prove that this is an error. I can't call them back because they blocked me. I just want the collection to come off because it has no business being there in the first place. [redacted] says he has a copy of the credit report but not the bank statements. how convenient.Desired Settlement: Remove the error off my credit report, which says I'm 74000 in student loan debt. That's because I'm being reported twice. Navient has me in good standing while USAFunds (same company technically) has me in collections, and I was paying Navient when USAFunds contacted 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 September 1, 2015. Please allow sufficient time for

postal delivery.