Navient

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 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: 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: When this company was created by Sallie Mae they did not transfer my student loan to the company correctly. They removed my name and left it under my co-signer. I called and had them correct the error. The next month I did not receive a bill instead my co-signer did. Again I called and told them to send me my bill, made sure they had my address, and setup automatic payments. The next month I again did not receive a bill but did not realize it was due. Another month went by and they sent a collection to my co-signer again and not me the primary account holder. The company has been incompetent in managing my account though I have called over and over again I am always told they have the correct address and billing information yet continually I do not receive a bill or my payment is not withdrawn from my bank account. Instead they continually send bills to the co-signer and always after it is overdue.Desired Settlement: I want them to get their records straight and start sending me, the primary account holder, my bill. I want them to stop contacting the co-signer who does not have primary responsibility for payment.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on May 19, 2015 and resolved the

issue with the customer.

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 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: Navient (student loan Company former Salli-Mie) sends collection letters and calls monthly. Banks statements have been provided for a payment they have miss applied. Payments are auto deducted from my sons account. Every month he calls to have payments applied to the correct accounts, Navient takes 1 large payment and applies to each account. Navient has advised me when my son pays 12 months without being late my name will come off as co signer. [redacted] has paid 3 years without being late. With auto deduction, payments are on time but when Navient has miss applied a payment they mark it late I have explained this to them. [redacted] (son) is 1 payment ahead of schedule (that is the payment they can't find). Please advise me what else can be done I am sure this is a common practice for them, and I have informed them of my opinion.Desired Settlement: I would like my credit report corrected and all late fees removed. [redacted]'s credit report will also need to be corrected.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on July 27, 2015 and resolved the

issue with the customer.

Review: I MADE MY REGULAR PAYMENT TO NAVIENT IN THE SUM OF 347.86 FOR TWO STUDENT LOANS. I SENT ONLY 1 CHECK WITH 2 COUPONS WHICH DIVIDES THE CHECK INTO 107.89 AND 239.97. THEY HAVE BEEN APPLYING THE CORRECT AMOUNTS SINCE 2014. IN MAY OF 2015 THEY SEEMED FOR FORGET HOW TO SPENT THE PAYMENT AND ONLY APPLIED THE 347.89 TO 1 ACCOUNT. THIS HAS BEEN ON GOING. IN JULY I SENT IN MY REGULAR PAYMENT OF 347.89 WITH THE COUPONS LIKE NORMAL. SINCE THEY HAVE BEEN MISCREDITING MY ACCOUNTS THEY DECIDED TO CHANGE MY CHECK INTO 847.86 TO FIX THE ERRORS THEY CREATED. I DID NOT AUTHORIZE THEM TO DO THIS. I CALLED THEM ON 7-10-14 WHEN I CAUGHT WHAT THEY DID. THEY TOLD ME IT WOULD TAKE 90 DAYS TO CORRECT THE ISSUE. I HAD TO GO TO MY BANK TO PUT AN UNAUTHORIZED ARC. THEY IN TURN TRIED TO CHARGE ME OVER 200.00 FOR 1 ACCT PLUS LATE FEES SINCE THEY DID NOT CREDIT THE ACCTS RIGHT. THEY DID RERUN THE CHECK FOR THE CORRECT AMOUNT ON 7-14-14.Desired Settlement: NAVIENT'S ONLINE VIEWING OF HOW THEY CREDIT ACCOUNTS IS VERY CONFUSING SINCE THEY HAVE NO ACCOUNT NUMBERS ATTACHED TO WHERE THE MONEY GOES. I WOULD LIKE TO SEE THIS FEATURE CHANGED. I DID RECEIVE MY MONEY BACK BUT NOT BY NAVIENT BUT THROUGH MY BANK. I WAS GIVEN NO REAL EXPLANATION AS TO WHY MY CHECK WAS RUN FOR 500.00 OVER THE ORIGINAL BALANCE OTHER THAN IT WAS A MISTAKE. I AM VERY CONCERNED IF THEY ARE DOING THIS TO MY ACCOUNT HOW MANY OTHERS ARE GOING THROUGH THE SAME ISSUE. I WOULD LIKE A FULL AUDIT OF NAVIENT ACCOUNTING SYSTEM. THIS WAS NOT JUST A COUPLE OF DOLLARS ERROR THIS WAS A 500.00 ERROR ON THERE PART.

Business

Response:

Thank you for

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

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

Postal Service on August 13, 2015. Please allow sufficient time for

postal delivery.

Review: This bussiness is collecting money for a debt that I was scamed into. They have offset my tax seceral times for a loan amount that was never given to me but, to the devry university whom is scaming thier potential students into student loans from sallie mae. Navient has hired about five different collection agencies whom have harrassed me for the money or has provided falsified documentation in an attempt to get me to pay them. My 2014 official tax offset was set at $40. But, someone in there office sent me an additional unofficial offset form for collection of $177 that they have no record of. I called they and talked to sandy a representative of thier and she told me that thier was no record of a $177 offset sent to me.Desired Settlement: I need a refund of all my tax offsets taken since 2012 and all acount colse. My reason for this is I was scamed out of the university and never got an education that was expected and they have harrassed me in attempt to collect a debt for money that was never given to me. Devry university took all thier money and I didnt get an education

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 26, 2015. 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: 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:

Navient does not offer a real way forward, I have been on the phone trying to resolve my Navient account, only to have Navient call me twice while I was in the midst of the call.

Navient representative seem to have a mission to repeat the mortgage companies irrational and brutal behavior.

Review: I had a student loan with Navient. Garnishment payments was being deducted from my payroll check bi -weekly via my job Home Depot since 10/11/2013.

In February 2015 I consolidated my loans with Navient and a loan I had with Great lakes. I chose Great Lakes as my new loan provider. The consolidation was finalized on 03/06/2015. And my Navient loan was paid off with them.

Navient received 3 additional wage garnishment payments from Home Depot after the consolidation was finalized

Deducted 1/30/15 $149.15 Navient processed it on 02/09/15

Deducted 02/27/15 $160.41

Deducted 03/13/15 $152.16

The deduction on 01/30/2015 Navient applied toward my loan, but the last 2 deductions totaling $312.57 Navient did not apply towards my loan. It has been more than 60 days and I have been calling them with no resolution they owe me a refund check for $312.57Desired Settlement: I want Navient to refund me the last 2 checks they received from [redacted] because they never applied the money towards my loan and now my loan is with another company. The refund should be for $312.57

I have documents to prove everything

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 27, 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: “A company call navient keep calling Me claiming I owe student loans to them. I have Google all the differnt numbers they call from they say their scams. I've tried calling the numbers back when I get an answer they immediately ask for my SSN# when I tell them no they say they can't talk to me with out SSN. I went the their website info contact us part and tired call 3-4 of the numbers listed they call give me a recording saying I've call a non working phone number for navient. I got my loans through my college grand canyon university . I paid them all back. I have called the school to check. they say I have a zero account balance. I want them to stop contacting me”Desired Settlement: No further contact

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:

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

Review: I have a private student loan that was originally with [redacted] and then got moved to Navient. I received information that my loan was going into repayment and I immediately contacted Naviet to let them know I was still in school. I was told by multiple representatives not to make any payments and that my deferment would go through. In the meantime, while I am the main contact and loan borrower and calling them almost every week to verify the information is processed, they are harassing my Grandmother since she is the co-signer. After weeks of being told not to pay my bill and that I would not need to worry about it I am informed by a new representative that I have maxed out my deferment time and that I need to make a payment. When I was expressing my frustration to her about how I was told something much different multiple times before, she verified this in the previous notes and said that while I was mis-informed there was nothing they could do and I just needed to make the payments. She was rude and empathetic to the fact they had done me wrong. I spoke to a supervisor who then also told me the same thing. He was rude and unwilling to work with me even though he also verified I had been mis-informed. Once I gave him my credit card information and made the payment he then hung up on me and didn't finish out the conversation. I had also asked him to email me confirmation that everything would be resolved and that my co-signer or I would not be negatively effected on our credit. He said he could not send me any emails as he was not authorised to do so and I just had to take his word on it.Desired Settlement: I wanted them to either take care of the payment or the late fees. The very least I requested an email stating what he was telling me about their policies and that I wouldn't be negatively effected on my credit.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on November 21, 2014 and resolved the issue with the customer.

Review: I was advice that my loan would be in deferrment by several customer service rep. since 5/2014. I register for school and call this serveral times since 10/2014 and provide them with inschool verification. AT this point they are explaining that I am not eligible. They mak e an error. I dont believe that is is my problem. I comply with there information. The provide false infomation andDesired Settlement: I only need the loan to be deerred or consildate,

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 23, 2014. Please allow sufficient time for postal delivery.

Review: NAVIENT...used to be known as [redacted]....(Changed the name recently...)Student Loan Services for the U.S. Department of Education.Wrong billing; Still attending college.NAVIENT is not following normal and required procedures, just like its predecessor [redacted].They sent me a wrong bill to be paid in 4 days after receiving the letter. It is a wrong billing. I am still attending college. Please notice that they typed up the bill on 11/23/12 and they alleged that I was in arrears already for $223.20, that I was supposed to pay $223.20 on 12/06/14. I have received Navient's letter on December 02, 2014.This is illegal. They must send a payment notice with 30 days in advance,Please check my attachments: (1) [redacted] College certification that I am attending College right now and I qualified for "In School Deferment Request". (2) See my new registration for classes on Winter 2015.NAVIENT never sent me a blank copy to request an "In School Deferment Request" from VVC. I am still using [redacted] Form.I am requesting to NAVIENT to send me two (2) blank forms of "In School Deferment Request" for future used.I am requesting to cancel this billing for $446.40.I don't have to make any payment right now, and request to NAVIENT to update my records. Notice that the approximate NEW date to complete my program is on 08-01--2016.STOP THE BILLING IMMEDIATELY.Desired Settlement: To STOP this wrong and illegal billing for $446.40, immediately. I don't have to make any payment right now.I am not even working for the last three years.To update my records: New college termination date approximate 08--01--2016.To send me by mail a couple (2) blank forms from NAVIENT to request "In School Deferment" 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 December 12, 2014. Please allow sufficient time for postal delivery.

Review: I mailed in a payment for a loan on 12/29 and it arrived and was applied by Navient on 1/2. The payment was to completely pay off one of the loans (the consolidated unsubsidized loan). I clearly wrote a letter specifying the loan number, account number and amount to be allocated so that there would be no confusion. I followed Navient's posted procedure of writing out my allocation wishes clearly. Navient, however, decided to allocate my payment in a way to maximize their own interest to extract more payments from me by way of allocating my payments towards subsidized loans instead of unsubsidized loans.Desired Settlement: I'd like Navient to allocate my payment as originally requested and for them to pay for all the interest that should not have accrued due to their incompetence. I have read other complaints on Revdex.com.org and it seems this is a continuing issue with others as well in Navient's attempt to gouge borrowers. I'd like my complaint to be kept and filed with similar ones so that it can be used as a resource for possible suits.

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:

Review: I have incorrectly received a 1099-INT for my student loans. The company refuses to address this issue and discuss the proper interest expense I paid on my student loan. This is outrageous and they continue to direct me to the IRS when it is their system that is incorrect. I have nearly 100k in student loans with an interest rate of 8.5 - 9.0% and they are telling me that I overpaid the interest!Desired Settlement: I want an adjusted 1098 form that properly states my student loan interest expense. This is ridiculous! I have tried to call and speak with them about this issue and was passed to 4 different call centers and put on hold for over 30 minutes. They are clearly trying to skirt this issue and it is ridiculous!

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 4, 2015. Please allow sufficient time for postal delivery.

Review: Like many others, I began receiving collection calls from Navient regarding a payment I already made 2 months ago now. When I attempted to explain that the charge had already been deducted from my bank account, they told me I needed to send a print screen shot of my bank record to show this. I did so that day, but everything has continued to go downhill from there. I have spoken with Navient over 30 times in the past 2 months, and even made a second payment (since it was due) which they also refuse to attribute to my debt amount or acknowledge that they deducted from my bank account. I have been told everything from I need to send a list of all transactions of my bank account over the past 5 months, to needing to send proof of payment from my bank. Every day I receive at least one phone call from Navient about the "past due" amount, and every day I have called back and talked for 30 minutes at least each time with no resolution. The staff are completely incompetent (one actually argued with me about whether Philadelphia was the correct state for the new billing address I was supposed to use). I have spoken with supervisors several times, and am repeatedly told that the "RESEARCH DEPARTMENT" is looking into it. I have never heard anything back at all from said research department regarding the documents I've sent, and it's now been 2 months. I have never paid a bill late in my life, let alone missed a payment, and now my perfect account says past due for 2 months. Navient is now threatening to report to the credit bureau, and there is nothing I can do to stop them or get them to fix it. My payments were clearly made, my bank sent proof, and Navient is just a failure of a company.Desired Settlement: I would like either for my bill to show the actual payments I have provided, or to refund the $342 they deducted from my account over the 2 separate months.

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