Navient

Review: This is the second time this company has received my bank transfer but not changed my balance. The first time it happened, they were called Sallie Mae. Now they are Navient and they did the same thing. I sent them a wire transfer from my bank in Korea with proof of transfer including all of the identification and records needed to find the money. They continued to mark my account past due and have not acknowledged that I sent them money almost 2 months ago.Desired Settlement: I want them to take off my late fees, mark me as up to date, and when I send them money, I want them to credit my account.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on January 23, 2015. Please allow sufficient time for postal delivery.

Review: I had a student loan cosigned by former husband. When we divorced he was court ordered to pay the loan. The loan was put in his name when I filed bankruptcy. He was sent to collections. My lawyer spoke to Navient.They sent me court documents that they dropped all activity against me without prejuidice. I have letters from Navient,and statements from their website stating both accounts have been paid and have zero balance. They refuse to update to show zero balance on my credit report. This has been detrimental to my credit. They sent my ex husband to collections, not me as the account was not in my name at that time. I was under Bankruptcy protection Laws. I disputed this with Equifax and Navient came back with one account updated-zero balance. The other they still refuse to update even though it has also been paid off per all documentation.Desired Settlement: I want the accounts removed from my credit report because I was under Bankruptcy Law protection during the time the accounts were sent to collections. At that time the accounts had been placed in my former husbands name and I was not liable due to bankruptcy protection laws. I had no knowledge he had not paid or been sent to collections. After that time my lawyer spoke in depth to Navient and its collections manager which I have letters that were submitted in court as mentioned above. The accounts were since that time paid by my former husband and now show a zero balance. I would like them removed from my credit.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on October 20, 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: With the payment of student loans, payments in excess of the monthly amount due can either 1) have the extra paid count toward future payments, OR 2) allow the payor to make their regular payments as they are due.

Every time I make a payment in excess of my monthly due amount, I select "I want to make my next regular payment as scheduled". I DO NOT select "I would like the extra I paid today to count toward my future payments".

Navient continues to count the extra toward future payments, despite my directions. They eventually correct the error temporarily, but they have been reoccurring consistently over the past year. This causes my payment schedule to be updated, causing a much larger monthly payment than is normal. I pay about $212 per month, but the forwarding of monthly payments (which they are not supposed to do) causes a "reset" of my loans and they begin requiring over $1,800.00 monthly payments. They only give 30 days notice of the change, and it takes them longer than 30 days to correct the error.Desired Settlement: I am tired of having to constantly send them emails to correct an ongoing problem. I want them to fix their system so that my payments are treated according to the directions they represent in their system. I want a permanent fix, not a temporary ongoing one where I have to worry that, at any month, I might get a surprise monthly due amount that is 750% higher than what I planned for.

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 29, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I paid my monthly bill with a check that cleared the bank. When I called, I was told that the matter would be looked into, but was told I may need a statement from my bank. They told me no phone calls or emails would be sent to me. I continued to receive notifications of delinquency. Two phone calls later and two weeks later on yet another phone call with no resolution. I then inquired if my payment was posted to my sons account; this with my social security number on the check. After stating the rep checked and it certainly was. I then stated that the payment needed to be transferred to my account. They said "this would take some time" and no more delinquent notifications would be sent. Several days later, I received another notification and no payment has been transferred. This Navient is receiving payments, posting them to the wrong accounts and sending out delinquent noticed on the mistake they made.Desired Settlement: Billing adjustment and improved practices regarding loan payments.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on March 2, 2015 and resolved the issue with the customer.

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: I was enrolled in Navient's Automatic Debit Program for my student loan payments. I recently switched banks and closed my old bank account. I called Navient's customer service on February 19, 2015 and offered to provide them with my new bank account information. I was told this can't be done over the phone, but I can simply update the information online.

February 25 came (payment date) and my payment is processed, but then promptly reversed. I send them an email asking for explanation. I am told that the payment was attempted from a closed bank account and I need to contact my bank for more information. I replied stating that I updated my account information on the 19th and asked them to take my payment from my new account. Navient's reply stated that they do not have my new banking account information, my automatic payment program was terminated and a fee was placed on my account. I also noticed that my interest rates were increased. I then replied stating this is unacceptable. I asked for the automatic program to be reinstated, my interest rates reduced, and all fees waived. I just received a reply stating that my fee was waived and that I will need to reapply for the automatic program and wait 4 weeks for them to decide if I am eligible. I was also told that they do have my new banking information, but it has not been updated on their end.

When I called customer service, I was not informed that this situation could or would happen and I am very frustrated. I feel as though I am being asked to fix Navient's mistake and being forced to jump through hoops for a simple task.Desired Settlement: I would like my Automatic Debit Program to be reinstated, my interest fees reduced significantly and a formal apology from a manager or supervisor of customer service.

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: I am a customer with several private student loans through this company (formally Sallie Mae). In December 2011, I was forced to file bankruptcy due to hardships cause by a divorce. It was my (misinformed) impression that these loans were discharged. I know student loans are not normally discharged, but since these were private loans I incorrectly assumed they were. Now, almost 4 years later, these loans are coming due. In March of this year, I sent documentation reflecting my bankruptcy and court orders. Since that time I have been trying to workout this issue. It should be noted; however, that I was told they would "investigate" the bankruptcy status and my account would be placed "on hold." Today, I did confirm that the loans were not discharged and I called my account manager, [redacted], in an attempt to resolve this issue. Ms. [redacted] was immediately defensive and rude. She stated that she did investigate the bankruptcy and had proof that they were not discharged. When I asked her what the proof was and could I please see the proof she became increasingly agitated. At that time I could tell the situation was escalating quickly and I asked to speak to her supervisor. At that time I was transferred to her manager who only identified herself as "Ms. [redacted]." Ms. [redacted] proceeded to speak to me in the same fashion and manner that Ms. [redacted] spoke to me. When I tried to interject or speak, I was cut-off. They were completely dismissive and would not let me talk. I was then told that since I was refusing to pay, she was transferring my case to their senior president for litigation and wage garnishment. When I tried to explain that wasn't necessary as I realized I was incorrect with regards to the bankruptcy and wanted to pay. She proceeded (for 17 minutes) to talk down to me, belittle me, and do nothing short of calling me a dead beat. She then stated: "I have customers that I want to help that are willing to pay." I said: "So, you don't want to help me now?" She then hung the phone up on me.

In a desperate attempt to resolve my account, I called back to regular customer service that stated because my account was in default they couldn't help me and they transferred me back to an individual named [redacted]. The conversation started off decent and she seemed willing to help me until I told her I could not afford their income-based repayment option of $700 a month. She proceeded to tell me I have more than enough money based on her calculations and I need to just pay. I told her I am sorry, but I cannot afford that. She then lowered the payment to $530, which I very reluctantly agreed to, but she stated that payment has to be received this month. Considering that it is already July 20th, I tried to tell her that I need more time to adjust my finances as this is a very large expense to add in a month and requested payments starting in August. I was told this was not acceptable. She then said well then you will need to pay $150 today to put them into forbearance until August. I told her I don't have $150 today and asked why she could not just set it up to start the payments in August. She then transferred me back to Ms. [redacted] who was, again, beyond rude. I literally could not get one word in despite repeatedly begging to be heard. She says I have to read this statement to you and you need to state yes or no. The statement was basically agreeing to litigate this issue. I said, no I do not agree to that. I want to resolve this issue, but you will not help me. She then went on a massive rampage screaming at me about my ex-husbands loans and how they are also past due. I am now crying at this point and trying to explain to her we are divorced, I have nothing to do with him, etc. She then said she would be sending the court papers to such and such address. An address that is in Kentucky (I have never lived in Kentucky), which I can only assume, is my ex-husband's. When I tried to tell her again I know nothing about his issues and I want to fix mine she responded with "NOT MY PROBLEM" and hung up on me.

While I understand the severity of defaulting on student loans I really did believe the loans were discharged. Additionally, it was my understanding through several conversations with Navient team members that my accounts were placed "on hold" while they investigated the bankruptcy situation. If my accounts were actually "on hold" and the bankruptcy issue was literally agreed upon and resolved today, how is my loan 96 days past due? Further, threatening me with litigation and wage garnishment while speaking to me in such a manner is not helpful. Here you have someone who WANTS to make payment arrangements and WANTS to resolve the issue. I have seriously never been talked to some horribly by any customer services representatives in my life. And they really made no effort to listen to anything I had to say. This is the rudest, most disrespectful group of customer service representatives I have ever encountered.

I want to make payments, but I cannot afford what they have deemed as my income-based payment. I am not sure why some type of arrangement cannot be made that is agreeable that does not involve litigation. It is insane to me that we are punished like this for wanting to advance our education. In most situations, advanced degrees do not necessarily mean lots (or even more) money. While I take full responsibility for the loans I have I cannot reasonably make the payments they are requiring. I do have other expenses outside of student loans in addition to basic living expenses. I need a reasonable payment plan that is not going to negatively impact my quality of life.

Threatening people who want to do the right thing and pay what they can with wage garnishment and civil litigation (for being three months late) instead of actually listening and trying to help is very poor customer service.Desired Settlement: I need my account taken out of delinquency status so that I can arrange a reasonable payment plan. Considering that I was told since March my account was "on hold" I am having trouble understanding how it is my account is so delinquent it requires wage garnishment and civil litigation. I respectfully request my account be removed from delinquent status and request a new representative contacts me to discuss a reasonable arrangement. I absolutely will NOT deal with anyone in the department I have been dealing with which includes all the people listed in my complaint and anyone else in that specific department. Please have someone contact me to resolve this situation and prevent unnecessary litigation. Thank you.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on July 28, 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: On June 9, I requested a 10-day payoff to complete my student loan, which was to be paid from a trust account. I received the amount on June 11, which reduced the 10-day payoff to an 8-day payoff. On June 15, my trust sent a check but due to a processing error from my trust's side, they sent it to the general correspondence address. After seeing that my balance had not cleared on June 25, I called Navient to ask if they were able to locate the check at the general correspondence address, and was told that Navient did not participate in inter-office mail and would not be able to locate the check. When asked if this meant that Navient lost the check, I was told yes. My trust performed a stop payment on the original check and cut a new check that same day. Navient received this check on June 26, cashed it on June 26, and a copy of the cashed check was sent to my trust on July 3 after it cleared. Navient did not post the payment to my loan balance, however, and I started to received threatening phone calls on July 2. After speaking with a CSR, I was told that I needed to sent confirmation of the cleared check, and I did so via their correspondence upload system on July 6. I received a second threatening phone call on July 7, as well as three emails stating that my account was being turned over to collections. When speaking with a collections representative, I was told that they did not have record of my payment, and that I would need to submit proof of payment to their general correspondence address (which struck me as funny since that was where the original check was sent). I informed the collections CSR that proof of payment was submitted electronically, to which they confirmed that they had my proof of payment and needed ten business days to apply it to my account. On July 8, I received another threatening email stating that my payment was now overdue and that I would be sent to collections, and a response to that email stated again that I did not submit proof of payment in spite of two CSRs and two supervisors both reviewing the electronically submitted proof of payment confirming that I had submitted appropriate proof.Desired Settlement: I expect my loan balance to be zeroed out as the balance is paid, and any interest that was accumulated due to Navient's mishandling of the case to be waived.

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 14, 2015. Please allow sufficient time for postal delivery.

Review: Due to financle aid running out, I was forced to drop out of school on March, 17th of 2015.

I have no job and due to my health am unable to currently get one. I made two payments to the business because of my father and church helping me. They still claim however that I am 7 months behind in payments and are now threating me with lawsuit. They are completely unwilling to work with me. I have spoken with representatives on several occasions.

They continue to call me numerous times a day, and each time I explain my situation, and they say to call them when it changes, but then someone else calls me an hour later, every day, I cludi g Saturdays and Sundays.Desired Settlement: I would like for them to correct my account, and stop harrasing 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 October 20, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: On June 16, 2015, I was approved for a student loan consolidation with [redacted] Servicing ([redacted]). These loans included all Navient loans in my name. Navient refuses to release my loans or admit that [redacted] Servicing has paid them, even though I have documentation, [redacted] Servicing has a Loan Verification form from Navient, and a Manifest ID number that [redacted] Servicing has paid Navient to take over the loans.

Meanwhile, I am being charged interest with BOTH companies while a resolution has yet to be reached. No one will call me back from Navient after they insist they are "investigating."Desired Settlement: Navient to release my loans and mark as paid so that I can continue with the consolidation and loan repayment process with [redacted] Servicing.

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 20, 2015. Please allow sufficient time for postal delivery.

Review: On April 9, 2015 I contacted Navient at 8:58AM (Pacific time) to inquire about increasing my loan payments. I wanted to pay more on my loans every month. I was on the graduated repayment plan paying $163.65 on the 20th of each month. I wanted further information about the standard repayment plan. The representative I spoke with informed me that I would in fact be eligible to switch to the standard repayment plan. I inquired as to how much my monthly payments were going to be. The representative was able to calculate my new payment while I was still on the line. I was told my payments would be $234.07 per month and this increase would pay off my loans in approximately 7.5 years or 6 months earlier than the graduated repayment plan would have. I advised the representative to sign me up for the standard repayment plan at $234.07 per month. I was informed that I was all signed up but since it was too close to my current billing date (April 20, 2015) the new payment of $234.07 would not be charged until my next bill date, which would have been May 20, 2015. I said that was OK. The representative even stated she would call me a few weeks before May 20, 2015 to make sure everything was in order. I needed no further assistance and the call concluded at 12 minutes, 26 seconds. The representative never called me.

On May 20, 2015 a charge of $332.17 was automatically debited from my account from Navient. This charge caused my account to overdraw, and I incurred a $35.00 fee from my credit union. I had enough funds in my account to cover my new payment of $234.07, which is what I was anticipating. I immediately contacted my credit union and explained to them that Navient is permitted to withdraw $234.07 a month, not $332.17. I was very appreciative that my credit union issued an immediate refund of $332.17 plus the $35.00 overdraft fee. I knew Navient would not issue me a refund that quickly, if even at all, and I needed my money that I had that was supposed to be leftover.

On May 22, 2015 at 8:45AM (Pacific time) I contacted Navient to inquire about the $332.17 charge. The representative I spoke with told me that the $332.17 was my monthly payment amount on the standard repayment plan. I was in complete shock. I explained I had called in April and was told my monthly payment would be $234.07. The representative said ‘we can only give you an estimate, and until your paperwork is processed by the back office, we don’t know what your monthly payments will be.’ I told the representative that when I called in April there was no mention of it being an “estimate” or that my “paperwork” had to be sent elsewhere. I initially asked for a refund of the difference and was told they could not partially issue a refund, but would have to refund the entire amount if it was approved. The representative then told me my loans would have to be put in forbearance while the issue was being investigated, to prevent the same amount from coming out of my account the next month. As requested, I gave verbal permission to have my loans put in forbearance. Navient had plenty of time to investigate and rectify the problem. I was not at all comfortable placing my loans in forbearance, but it was apparently the only way to get this issue resolved.

On May 28, 2015 at 11:19AM (Pacific time) I again contacted Navient, to inquire why my account was showing past due. The representative stated ‘it may say past due, but it really isn’t.’ By this time I needed to get an accurate monthly payment amount finalized. I informed the representative about my two previous contacts with Navient. I asked if I could be placed back on the graduated repayment plan and was told yes. I was told my new monthly payment amount would be around $248.14. The representative did say this was only an estimate and the final amount could be more or less but would not be drastically different. I was told to call back in about a week to find out the final amount.

In addition to the three phone calls I have had to make to Navient, I have been receiving multiple correspondences through my email informing me I have a message and I have to log in to Navient every time to view the information. Reviewing the information in these correspondences makes me even more frustrated.

Since no one at Navient could explain to me where my initial loan payment of $234.07 came from I decided to search for it myself, and I found it, in my Navient “file.” I assume no one at Navient has access to this “file”, even though the information is from them. The following memos are in my file and many do not parallel with any of my previous contacts with Navient.

Memos are listed below in order and shortened for brevity purposes:

April 26, 2015- statement indicating $163.65 is due on 5/20/2015.

April 28, 2015- new document indicating change in loan terms. $235.38 due on 5/20/2015, 20 total payments, and $91.86 due on 5/20/2015, 95 total payments. TOTAL= $327.24 a month.

Then starting 1/20/2017 $240.31 is due, 75 total payments (replaces the $235.38), plus the $91.86. TOTAL= 332.17.

May 22, 2015- new document indicating change in loan terms. $91.08 due on 6/20/2015, and $237.16 due on 6/20/2015. TOTAL= $328.24.

May 26, 2015- monthly statement. Monthly summary indicates $324.49 is due on 6/20/2015. But the top right corner indicates $328.24 will be automatically debited on 6/20/2015.

May 27, 2015- charge of $332.17 rejected by bank

May 29, 2015- customer advises to withdraw from automatic debit

May 31, 2015- main loan page on Navient.com indicates $248.14 is due on 6/20/2015

In summary, the memo dated 4/28/2015, I was charged $332.17 on 5/20/2015. According to Navient’s own documentation I was overcharged. I should have only been charged $327.24. According to Navient the $332.17 (billed to me May 20, 2015) isn’t due until January 20, 2017.

I believe the representative I spoke with on April 9, 2015 failed to tell me my loans were being separated into two “payments” and my total payment would be $327.24. The memo dated 5/22/2015 appears to have recalculated my payments, as it indicates they are $1 less than the previous month, $328.24 due 6/20/2015. The memo dated 5/26/2015 is deceiving at best, indicating two different amounts are due on 6/20/2015. The memo dated 5/29/2015 indicates a withdraw from automatic debit, I never requested to be removed from this program. Because Navient removed me without my permission, I now owe more on my loans.

Based on the documentation above which was drafted by Navient themselves and my phone calls to Navient, I fully believe this corporation is engaging in unlawful, deceitful, and fraudulent business practices. I experienced it. Telling me I owe one amount and taking a different amount, changing my payment amounts so frequently, and the inability to tell me how much I owe is completely ridiculous and unfair to me as their customer. How am I supposed to “budget” how much to pay every month when my own lender, Navient, can’t tell me?Desired Settlement: In terms of a resolution I am requesting the following: I want my loans placed back on the standard repayment plan at $234.07 per month, which is what Navients’ own employee told me when I called April 9, 2015. I would also like a full, detailed and complete response from Navient explaining the reasoning behind each discrepancy from the memos above. I would also like a copy of their regulations or requirements in terms of calculating loan payments on various repayment plans, so I as a customer can figure out my payments on my own to be sure Navients own employees are providing me as their customer, accurate information. And what is Navients’ policy regarding their customer service representatives providing inaccurate information to their customers, how does Navient handle this? What recourse does the customer have if incorrect information is provided? And, finally how can I as a customer be sure that I am being provided accurate information when I contact 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 June 19, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

I was contacted by Navient in a timely manner and they worked quickly to resolve my issue. Navient also admitted fault-their representative provided me incorrect information which precipitated my complaint.Complaint was resolved to my satisfaction. Thank you Revdex.com

Review: I had many issues with Navient, ever since my loan with (Sallie May) was switched over to Navient. In the beginning,after logging in, I had issues logging in again.Upon contacting customer service, more issues were present, when I wanted their help rectifing the issues I was having with logging into the account.In addition, just recently (today, 12/14/14) I have spent over 45 minutes messing around with this account. First, my screen-name, which I remember changing, is the original screen-name, from when I was with Sallie Mae. They sent me an email and informed me of this, after I clicked on a link. After that, I was unable to sign in because of an improper password, which I am near 100% sure that was the the correct password.Soon after, I sent for a temp. password, by clicking on the "reset password" link. After checking my email and writing down the temp. password, I then "attempted" to sign in, to no avail.I made (zero) mistakes and after 3 or 4 tries, I was locked-out of the accout.It's not like I want to pay this money back or anything. (Follow me here).However, by having bouko issues wjth (Navient; OL as well as customer service), the act of paying my loan is nearly giving me a migraine...Desired Settlement: It would me most-excellent for to have a "direct" contact to Navient. (Email primarily, and as well, a phone number (direct-line) secondary.In axdition, for all of the B.S. a small token of their sincerity in the importance of healthy-customer-service would be a bonus.What say they send, to [redacted] a pair of movie-passes, which can be used for (any) movie... (AFTER learning of what theatre would be ideal for my location...)After this happens, all will be all-good...

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 17, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: Hello

My story began with Sallie Mae, now known as Navient, back in 2009 when I graduated and started to be in the "repayment" phase of my private loans. After college I was unable to obtain employment and reached out to Sallie Mae to figure out what options I had. I was told my only option (deception by Sallie Mae to take the maximum $$$) was that I had to pay a fee of $150 every three months - which did not go to the principal or interest of my loan - in order to keep from going into default and ruining my credit before my life even began. This was some sort of unemployment "fee". I continue to pay this fee for over a year – where did this money go?? I have recently read an article that this fee was unlawful and should have been applied to my loan but it has not been. Since then I have been put into a rate reduction program where all of my payments go to interest only, mind you these payments are $1000 + every month. Back about three or four years ago when setting up these payments with the representative over the phone, the representative misapplied my payments to the loan (something I had no control over - I paid what they asked and my part was done) therefore causing my loan payments to not go to the appropriate loans and causing a problem with the loans. This error was not caught by Sallie Mae for several years and was only caught by representative by mistake within the past year or so. ( I have also read on this Revdex.com website that Sallie Mae has been doing this as another unlawful practice) Sallie Mae has been charging me late fees for over four years when I have been making payments on time every month I have called over a dozen or more times over the past year and a half to try to correct this problem and each time I've told that the problem will be fixed, but it never is. For an example, since September 2014 until January 2015 - $198 of bogus late fees have accrued on my loans while Sallie Mae takes their payment every month as scheduled as usual. Sallie Mae has been stealing money from me and has been getting away with it by telling me that they will "fix the problem and get back to me". Nobody ever called me back and I've spoken to more supervisors and I can count with no result to any problem. I did receive a $50 check from Sallie Mae a month or two ago but as you can tell from the example above $50 doesn't even start to cover the fees and interest that I have been unlawfully charged. Sallie Mae has done nothing but bully money out of me and many others like me and with nowhere else to turn for money for school. When trying to figure out how I will put myself through school, I had no other choice but to borrow money from them or not go to school at all. I am in severe credit card debt (over $30,000)because of the repayment of this loan which still has a balance of over $150,000 and have been ever since I graduated because of Sallie Mae's unethical practices and means of deception . Because my loan is a private loan and is not regulated by the federal government like a federal loan is Sallie Mae feels that they can do what they please without consequence..... well I am done being bullied and I'm done having money stolen from me.Desired Settlement: I want the money I want the money (unlawful late fees and interest) that Sallie Mae has stolen from me for the entirety of my loan back and I also want all of the the fees of $150 ( that I repeatedly paid over more than a years time) that were never applied to my loan to be applied to the principle.

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

Review: I am currently completing a graduate fellowship and sent Navient a graduate fellowship loan deferment request. They denied it and gave the following reason: loans currently on in-school deferment. They then began attempting to collect loan payments, stating that the loans were not on in-school deferment. When I asked them to re-process the deferment request, as I should be granted deferment due to my graduate fellowship, they stated that I was not elligible but would not give me a reason why. The deferment request form includes eligibility criteria and I meet all criteria.Desired Settlement: My loans should be deferred until September 8, 2014 due to my graduate fellowship. BOTH my private and federal loans should be deferred until that time.

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 8, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: Navient since it has changed to Salliemae has been nothing but a customer service nightmare personally. I have tried to work with this company several times within the last 4 years. I have called to set up payment plans, discuss low income options, and also deferment options. All options were declined. They only gave me two options to settle. One of which was to pay the total bill in full which is 11k. The second option was to have monthly payments but to put down 2 grand to start the payment plan. I could not afford either option. I was willing to work with them. However, they were not willing to work with me. Since then, I have been working with a nonprofit Obama program (for federal) and a Bank (for private) program that is going to consolidate my loans for me so I would not have to deal with Navient. Today, however [redacted] called me, at my place of employment. I have told Navient several times not to call me there and they still continue to disregard and disrespect my requests. He argued with me about my bill, he was trying to talk over me, and when I told him that I was working with another agency because Navient wouldn’t work with me, he stated that no other program could help me because it is a private loan. Side note: There are plenty of agencies and banks willing to reconsolidate student loans. For example, Citizens Bank consolidates private and federal loans into one. I feel like he was trying to persuade me otherwise. He told me he is calling to collect a debt (as a debt collector) because the bill had been transferred to a collections department. He told me that he could “work" with me and started fishing for information. Does Navient have their own collections agency? I told him several times that I was at work. I told him I cannot talk due to the nature of my job. He insisted on getting more information. I told him an accessible time he could call me and he told me that he couldn’t because he doesn’t work at that time. I requested for him to assign me to someone else who could work with me at a time that is convenient and he ignored me. Again, the company is not working with me. He wanted the names and numbers of the agencies that I was working with. Is that not totally and completely unprofessional? And why would a business who already has their own privacy policy expect to get any other information from another business that has their own privacy policy. I believe their practices haven’t changed since they changed their name from "SallieMae" and neither has their ethics. I offered to make a payment plan. It was declined. I asked to have another option, maybe a deferment or a low income status, it was declined. When I specifically asked them not to call my place of employment, the ignored the request and representative [redacted] did it anyway, expressing there was no memo (Even though I know there was one). All the representatives that I have spoken to along with [redacted] from Navient (SallieMae) was rude, inconsiderate, and unprofessional.Desired Settlement: I would like them to stop contacting me at my place of employment. I would like the harassment to stop. If they wanted to work with me, they need to come up with a reasonable and fair plan to work with me. I am hopeful that I receive the other assistance, student loan debt consolidation from the bank and non-profit organization so I won’t ever have to deal with Navient (SallieMAe) again! They have terrible customer service, terrible ethics and practices, and terrible organization. They have stressed me out beyond belief and have create anxiety and depression which I seek help for now.

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 24, 2015. Please allow sufficient time for

postal delivery.

Review: Very simple questions about my account are not being answered. They want me to make a payment without telling me why the payment is that specific amount. I have been hung up on. I have been told wrong information that delayed me getting my service. And then lied to many times saying the delay is one thing and the next week someone saying that specific reasoning was incorrect. The company cannot give you a straight answer and I even talked to a manager who said one of her employees told me the wrong information. This is turn delayed me getting services for a month. I was not notified, I had to call them and find out the hard way since they will not tell you what you need to finish.Desired Settlement: I should be given some credit with my loans since this consolidation was delayed due to miss information by this company. They have directly affect my personal credit since this account has been in limbo so long. I have over communicated with them and their lack of communication back, is simply unprofessional and unethical. I expect them to make some of my payments for me or write a letter of intent that states they have messed up as a company and their business model is going to ba changed so any further business will not go as poor as the relationship I have had with this business.

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 23, 2015. Please allow sufficient time for postal

delivery.

Review: I have made a payment in the amount of $92.12 in February. This amount has been taken out of my bank account with a confirmation from Navient of [redacted]. Naivent has been making calls saying I am behind on my payments when the current statements say I owe on the 19th of April and for no reason are posting late fees onto my account that can go on my credit report. When I spoke with a supervisor on March 23rd, I told them of the payment and they got into an argument with me and hung up saying they would have this resolved. I called on 4/6 to verify my February payment was posted and it has not. They want to take a $500 payment I made in Jan to one specific loan to spread out over all my loans so it will be current which I did not authorize. They then confirmed again on 4/6 that this $92.12 payment is not reflected in my account.Desired Settlement: I want this recitifed so it will show that I only owe my monthly payment of $92.12 upon Graduate Repayment agreement.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on April 8, 2015 and resolved the

issue with the customer.

Review: Under my previous terms and conditions with Sallie Mae, in school deferment didn't have a maximum term. Only to repay 6 months after I graduate. Now Navient is stating they cannot lower payment not offer in school deferments to me which is violating my original terms and conditions of my loan.Desired Settlement: My loans to be in in school deferment until I graduate

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 10, 2015. Please allow sufficient time for postal delivery.

Review: This company changes your payment amount and the payment due date with any notice of changes. My monthly payment was always $164.15 and now with absolutely no notice neither via email or mail, it has changed to $196.50. This is not the first time I have problems with this company. I always make my monthly payment and when I login there is always a late payment notice on the screen. The website offers to review all payment transaction which clearly show all months have been paid. This company is irresponsible conducting unacceptable business practice. They fail to communicate with their customers with important information.Desired Settlement: I need my monthly payment to be adjusted to what it was originally. I cannot afford the increase in payment and I also was not made aware of this.

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 3, 2015. Please allow sufficient time for postal

delivery.

Review: I am writing about a billing issue that has remained unresolved. My student loans were previously managed by Sallie Mae until it was recently transferred to be managed by Navient. I am presently a full-time college student this semester, which should put my repayment status to "deferment" (meaning, no interest will accrue for federal subsidized loans and no payment is necessary while in school). However, the status of my loans as of today is still not in deferment status. Next payment is due 3/1/2015 and I have just received an email notice of this payment due date. There are no mechanisms on their website to allow me to physically correct this status. I called Navient 1-2 weeks ago to report the status error and I was told this matter would be corrected. It's still not corrected and the next payment is due soon. I have notice the extensive billing complaints on Revdex.com, which makes me anxious to have my error resolved before I become penalized for inability to pay the next payment amount. I hope Revdex.com can help me.Desired Settlement: Desired outcome is to promptly change my repayment status to deferment so that I will not be penalized for no payment on 3/1/2015.

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 February 11, 2015. Please allow sufficient time for postal delivery.

Consumer

Response: