Navient

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: Due to filing bankruptcy, Chapter 7, my Sallie Mae student loan went into Forbearance in July 2014. Since my online account access was revoked, I tried contacting Sallie Mae via telephone in July to get basic account information; balance, interest accrual. They refused to provide me with that information. I was told not to worry and I didn't have to make any payments on my account because it was not required during Forbearance. I asked if everything would stay the same on the account if I don't make payments, interest rate, monthly payment amounts, balance, etc. I was concerned about the amount of the loan increasing and was willing to make payments in a couple months. I was told nothing would change during this time period. Even though I understood that legally the company could not provide me with billing, I was advised by my attorney to continue making payments on my loan since interest would be capitalized during that time period. I was not told this information by Sallie Mae. I was led to believe my account was in a "frozen" status and nothing would change, including interest accrual. I was sent a basis letter from Sallie Mae after our phone call, stating my loan would be in forbearance until January 8, 2015 and I would be notified be of my next due date. No explanation about the status of my account or how balance or interest would be handled during this time. In August 2014, my lawyer sent them a letter requesting that information and stating "Such communications will not be deemed a violation of the automatic stay." I never received a response from Sallie Mae. In October 2014, I sent a payment and another written request for the basic account information and how payments are being applied. The check was cashed, but never received any response. I sent another request and payment in December 2014, again no response. In January, I tried to contact Sallie Mae, only to learn I was now being serviced by some company called Navient. I had never received any correspondence from Sallie Mae regarding this change. When I contacted Navient, via telephone, I got the same lack of response. At first denying that any letters had been received by the company. But I stated the letters were sent with the payments. Then they said they did get the letters but could not legally respond. I explained I understood Forbearance, but we are simply asking for basic account information so I understand how much my balance is and how payments they have been processing are being applied and how interest was accruing on the account. They can take my money, but cant explain my account to me? I was told I would be receiving a letter on January 8 when my account resumes normal status. Instead I received a letter on January 5 stating they are unable to discuss my account because of its current status and to call Portfolio Management dept at [redacted]. I called on January 14 and received the same run-around as I always did when I called. Could not provide me any information over the phone or in writing, could not tell me how much interest has been charged, balance, how payments are being applied or when my account would resume normal billing status, or how much my monthly payments will be when it does resume.Desired Settlement: All of this seems highly unethical, regardless of the forbearance status and their legal responsibilities not to attempt to collect on the debt during this time. I repeatedly explained that I understood that they are not allowed to collect on the account, but obviously when I sent in payment they can legally cash the checks. Why did I never receive proper explanation of how my account would be handled during Forbearance; ie interest accrual and interest rate? Why was I not notified of Sallie Mae switching my account over to Navient? So where is this money going? And how is it being applied? What is my balance? How is interest being accrued? What will my monthly payments be when it resumes? When will it resume billing?

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.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below and I have included an attachment of their letter (whiting out specific loan information).First I would like to address each paragraph of their letter since it includes several falsehoods. I never received any notification in the Spring 2014 regarding the company split. Moreover, I spoke to Sallie Mae representative in July 2014 and asked if ANYTHING would be changing regarding the servicing of my loan once I found out it was in the Forbearance status and was told NOTHING would change. I cannot stress this enough since I asked repeatedly and wanted something in writing to address any changes regarding my loan to be sent to me, but was refused.Second paragraph; when they state that "their records indicate that Navient responded to my inquires..." for basic account information, I felt my blood boil. Since July 2014, I continue to request basic account information and to this date have received NOTHING. Through phone calls, letters from attorney, my letters including payments I have repeatedly requested basic account information; total balance, interest, how interest is being calculated on my account, how payments were applied...and have received NO information via the phone or in writing as I have requested. You can see in the letter, that once again they have provided NOTHING. The part that is whited out simply states my loan number, type, disbursement date, original principal, interest rate. I have no idea what "outstanding principal" amount is because it has an additional $272.09 added to my original principal. What is the amount of interest on the loan? How were my payments in October and December 2014 applied? I have repeatedly asked for basic account information so I understand how payments are being applied and how interest was accruing on the account. In the case of interest being capitalized on my account, I was trying to pay that amount so my loan did not balloon when it came out of Forbearance. Third paragraph; "I have confirmed that your payments were applied correctly." What does that even mean? I have asked over and over to show me in writing, how are you applying my payments. If you are doing it correctly, then you should have no issues showing me specific accounting details on my account. According to Navient representatives via our phone conversations; while in Forbearance I should not have received any "late fees" because you are not requesting payment. And the reason I am requesting specific loan and interest amounts is so that I can pay "unpaid accrued interest". I find it unethical the way Navient skates around the issue of capitalized interest and never states this or really explains it to the consumer so that they are not shocked when they receive a huge amount tacked onto their loan. Their representatives make it sound like you are just in some "frozen" state in Forbearance and nothing changes, no worries, no payments...but don't explain the repercussions of not making a payment because they are trying to protect themselves. I even spoke to their Portfolio Management department at 866-291-4403 on January 14th, and receive ZERO information about my account and nothing about any of the information discussed in their response letter. I was specifically told to call that number for any questions regarding my account, in a letter provided by Navient after my January 2015 phone call (attached)…which obviously was not on the 6th as indicated in their Revdex.com response letter since their letter to my phone call is dated the 5th. In that letter, it states they "CANNOT discuss my account due to its current status". But wait, their Revdex.com response letter states that "our records indicate...Navient responded to your inquiries" and "Customer Service Representatives [can]not ...request payment...are able to provide you with general information." Again, I have asked repeatedly for this information and to date have not received ANY information. Just rhetoric. Furthermore, at the date of this response letter and the January 14th phone call, my loan was out of the Forbearance status. According to their representatives and a letter from Sallie Mae (attached), it should have been on January 8, 2015...so why are they still avoiding giving me the information I am requesting? It would not be in violation of any laws. So now I am worried what financial amounts they are hiding from me.Final paragraph; if my loan was charged off on September 15, 2014 why was I not notified? Since that date, I have sent 2 letters with 2 payments and spoke to phone representatives twice in January 2015 requesting basic account information, status, when payments will resume. I was told in the phone conversations in July 2014 and January 6th 2015 and that payment would resume on January 8, 2015 because that was when it was coming out of Forbearance status. NO ONE EVER told me my loan was charged off in September 2014. So now I have new questions...what does this mean for my loan? what new changes will be occurring? How does it affect that status of my loan? What will my payment amounts be? How will you determine my payment schedule? does this continue to affect my rebuilding of my credit negatively because now it is with a collection agency? how does it affect how interest is continued to by applied and am I now being charged late fees because it has been out of Forbearance since January 8th? Why are you including the filing dates and when my bankruptcy was dismissed...how are those dates important? It appears something is pertaining to those dates and my loan, but instead of Navient stating it in plain English, they are just throwing this out there to protect themselves in some legal fashion. As you can see, with this loan, I get very little answers even though I have been trying to be responsible in its repayment. Instead I get a lot more questions being raised about what financial surprises are going to be awaiting me once they decide to start demanding payments again on their schedule. In the meantime, I am left in the dark about my account since July 2014...I have no idea what the full loan amount of principal and interest is at this time, if they have capitalized interest, specific accounting information of how payments were applied, if there were any other hidden fees that were being added to it. I was making timely and early payments and even extra payments until July 2014, and even tried to make payments while in Forbearance, yet now I am being treated like some irresponsible deadbeat. As a consumer, I appear to have no recourse in this loan and simply at the mercy of whatever Sallie Mae, Navient and now some third-party collection agency decide to throw at me.If you can assist me in anyway, it would be greatly appreciated.Regards,[redacted]

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: Navient deducted a private student loan payment from my credit union checking account without any authorization from me. I have contacted them several times over the past 2 months (2/06/15, 2/17/15, 3/09/15, 3/31/15), sent them copies of my bank statement via fax (2/07/15) and email (3/31/15), yet they fail to refund the $23.00 insufficient funds fee I incurred as a result of their unauthorized bank debit.Desired Settlement: I want my $23.00 refunded immediately.

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 22, 2015. Please allow sufficient time for postal

delivery.

Review: I recently began to receive billing for a Navient for student loan that was paid off in 2007. They claim that I owe them $967.32. I have never received a bill from this firm until December 2014.

I completed payment to Sally Mae, students loans in Jan 2007, and do not know how Navient got my information. $20,000.00 was paid in January 2007, along with 2 regular payments, about $600.00

This claim has totally blindsided me because I considered it paid off and it has been over 7 years old. I do not owe Sally Mae or Navient any thing. In over 7 years I never received a letter or bill from them concerning a loan, and now, all of a sudden, they are bombarding me with requests for payment. I feel totally extorted! The only information I received from Sally Mae between 2007 and the present was when they asked me to apply for a credit card, which I did not need or want, and I disregarded their correspondence. I never heard of Navient until they sent me the first bill in December of 2014.

I am 67, disabled and on a fix income with huge medical responsibility and this demand for money is totally out of line.

They are claiming 967.32 and accureing interest at an alarming rate.

I am unable to reach a person that understands what I am trying to tell them. Navient must outsource because the accents are very thick and hard to understand

I am asking you to please help me resolve this issue.Desired Settlement: Take my name off their lists, stop harassing me, stop harassing me, and check with Sally Mae and see that this bill has been satisified.

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

Review: Navient took over as the servicer of my student loans 3 months ago, I have had nothing but problems with them. I have 2 loans that were on automatic draft, I have sent them the information via there website twice now to change the account in which the loan is drafted from. I am in the process of declaring bankruptcy and had to finely shut down my bank account due to continually receiving NSF changes. Navient is now threating me because my last payment didn't clear even though I have tried for a month and a half to get them to change to another account. I just got off the phone with them (3rd call) and all they can say is it hasn't cleared there system yet and I need to make a payment now. I have no bank account, no credit cards, no way of making a payment other than using my mothers bank account to draft from. They refuse to take the payment and I have not other way to pay them.Desired Settlement: I want Navient to take my payment so I can be current on my student loans.

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 11, 2015. Please allow sufficient time for

postal delivery.

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: 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.

Review: I have a student loan through this company and said loan was co-signed by my grandmother. Today I found out that my aunt has been calling and getting information regarding this loan when her name is not on it. I am disgusted that this company will just give out my personal information to people regarding this loan when they have no right to this information. When I called to question this I was told there was nothing they could do about it. Why are they giving out my information to someone not on this loan? There needs to be a better solution for the company to do a "security" check on people when they call in. I do not need other family members knowing what is going on with my financials when it is none of their business.Desired Settlement: I want a better system in place to ensure my information is no longer given out to someone other than myself.

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 10, 2015. Please allow sufficient time for postal

delivery.

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: I am unemployed and I call this company to help find a way to reduce or defer private student loans. I was put on hold for 3 hours. Once I spoke to a representative, I was transfered to six different representative and all of them refuse to help. They were rude, unhelpful and disrespectful. They stated that they could help amd that I need to find a way to pay. I don't mind paying the loans but I was requesting 2 month but I was denied. When I ask to speak to a supervisor customer service representative, It was made clear to me that the supervisor couldnt do anything and they hang up the phone.Desired Settlement: Reduce of monthy payment or unemployment deferment

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 9, 2015. Please allow sufficient time for postal

delivery.

Review: It seems Navient has referred my loan to a collection agency called Student Assistance Services (SAS). As a result, I have been receiving phone calls from SAS at all hours, every day. The interesting part is that EVERY time I answer their call, they hang up. Also, their caller id either says "unknown" or "private caller". I was able to research through my phone company to determine the real phone number calling then I called them to see who it was. Furthermore, SAS calls from different phone numbers to further disguise who they are. The actions of SAS tell me SAS is only interested in bothering customers as much as possible instead resolving anything. In addition, Navient mailed some kind of package to relatives as if I was somehow lost and they are searching for me. Navient knows my address and has been receiving payments from me. My address is on the payments I submit to them, and when I talk to Navient, they verify my address each time. As a result of this treatment, I am requesting for Navient to cease and desist collections by phone directly (with me or anyone related to me and INDIRECTLY (SAS) and relatives (by mail or phone). Any questions Navient has for me shall be submitted to me via US mail only. I will answer via US mail or via phone. Navient shall cease and desist from referring my account to ANY collections without first notifying me of their intent, providing me with a copy of the legislation showing the number of days a payment can be behind before such an action can take place, and allowing me at least 30 days to resolve. I have already reported SAS to FTC for their actions. If either party continues their actions, I will have no choice but to take further legal action. I'm assuming Navient and Sallie Mae have had enough of paying settlement fines for their business practices, excessive fees and interest.Desired Settlement: For Navient to cease and decist collection activity by phone to me directly. For Navient to cease and decist referring my account to ANY Collection agency. For Navient to retrieve my account back from SAS and advise them to cease and decist contacting me via telephone. For Navient to cease and decist contacting relatives of mine via mail or via telephone regarding my wherabouts or about my account because I am not lost and Navient knows exactly where I am (my address is on the payments sent).

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.

Consumer

Response:

Review: Currently have a rate reduction plan under Sallie Mae and account was transfer to Navient who is no longer willing to honor agreement or schedule alternate plan. Senior customer service specialist refuse to transfer call to his manager and continue to ask berated question about why the owner of the account has not had a job in the last five years and cannot help pay on the account. His name is Rob Miledenbrger and was very unwilling to support continuous payments so the account could remain current.Desired Settlement: Set up applicable payment plan as Sallie Mae agreed to before it was transferred to them.

Business

Response:

Thank you for

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

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

Postal Service on June 1, 2015. Please allow sufficient time for postal

delivery.

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: Navient originally gave me a re-payment date of 6/15/2016. Now, I received an email stating today 8/14/2015 that they are withdrawing $114 out my acct 8/15/2015. I called and spoke with [redacted] and explained to her that I do not have a payment due and that this has happened multiple times throughout my time in school with Navient taking payments out of my account and they also have an excuse why? I just graduated from school May 15, 2015. I feel that they should at least give a 30-45 day notice instead of a one day notice which is not acceptable. I told her what if people didn't check there email like I do and you take money that could possibly not be in there account. I told her that there students loans would become delinquent and then rates would increase and your credit would be messed up. I feel they need to have a better practice and how to handle student loans instead of a one day notice.Desired Settlement: Dear 03/16/15 We're pleased to service your student loan(s) on behalf of the U.S. Department of Education. You recently requested an estimated monthly payment amount for your student loan(s), listed below, that's currently not in active repayment. Below is an estimate of your new loan terms when principal and interest payments begin or resume. Next payment due date: 06/15/16 Estimated monthly payment: $180.99 The payment amount shown above is an estimate based on the current outstanding principal balance, interest rate, and a repayment term of 120 payments. A repayment schedule with the actual payment amount will be issued 30 to 45 days prior to the next payment due date. We encourage you to create or log in to your account at Navient.com and to review billing and repayment options that may be available for your student loan(s). Questions? You’re welcome to visit us online at Navient.com, or call us toll free at 800-722-1300. We’re here to help you Monday - Thursday 8 a.m. to 9 p.m., and Friday 8 a.m. to 8 p.m., ET. We appreciate the opportunity to help you navigate the path to financial success. Sincerely, 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 August 26, 2015. Please allow sufficient time for postal delivery.

Review: Naiveté calls my parents and threatens them. They did not cosign for my student loans. This is a bullying tactic, to get to my when I'm am now 32 days late. My bad, I know. They have no right to contact and threaten my parents. I have not lived with my parenting for 16 years now. This is an unethical, low, dirty way to do business.Desired Settlement: Stop calling and threatening my parents.

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: Navient has place multiple derogatory marks on my credit with claims of "late payments". I am a current full-time enrollment student maintaining the appropriate requirements for in-school deferment. The method for determining in-school deferment is the lender MUST refer to the Student Clearinghouse records at appropriate time of attendance. Navient has failed to do this, and still has not established this even after I made contact to correct it.

It is not my responsibility to apply for alternative deferments or forbearance and accrue unlawful misrepresented interest fees. It is not even possible to do so, because my college does not permit this backhanded approach by lenders (they claim Sallie Mae was the worst: Sallie Mae transferred to Navient) and will not authorize any of the required forms that Navient pushes.Desired Settlement: (1) Refrain from offering any additional excuses to bad lender practices

(2) Change my status to the correct full-time attending student and place my loan into the appropriate deferment

(3) Remove derogatory marks from my credit report as they were made maliciously without me having any decision but NOT to accept ludicrous interest charges placed on 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 March 19, 2015. Please allow sufficient time for postal

delivery.

Review: I tried to contact navient to see if I could set up a payment arrangement to finish paying off my student loan and they would not let me set up an arrangement. They said if I had called a different time of the year I would of been able to set something up but not now because it is tax time. I proceeded to tell them I planned on paying my loan off with my taxes but they stated I could not do that they would just take my taxes and they may or may not add a 300 dollar collection fee. Which I was okay with them taking my taxes because I planned on paying it off anyway but I asked about the collection fee they said it depends if they charge a fee or not and I asked depends on what and they could not answer me so I don't know if they will take the collection fee or not. Also when after they take my loan out of my taxes I would still have a remaining balence of 237 dollars so I asked if I could make a payment arrangement to pay that remaining balance off and the employee told me no I could not make an arrangement for that because it is a little lump sum so I would have to pay it all at one. But to me that is not a little lump sum. I just feel like I am trying to get my loan taken care of and they were not willing to help me and the reprsentive I spoke to told me it was their money and I don't get to negotiate on how I pay it back. I have to pay it all of at once and get my taxes taken to put towards it. He was very rude and not willing to help. Also when you call they say to leave a message and someone will get back to you I had called twice and left voicemails and no one returned my call for two weeks then finally I called back again and just told them I'm don't leaving messages because no one calls back and only at that time was I able to talk to someone.Desired Settlement: I would hope the company would let me make a payment arrangment for my current loan. Or even if they did garnes my taxes then please don't collect the collection fee. Also with my remaining balance I would like for them to make a payment arrangment with me because I don't ever have that much money where I could pay it off in one payment.

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: We are paying our sons school loan. Our last payment was in March showing that our principal balance was approx. $1000 at that time. We did not receive any notice that our payment was late, however, Navient sent a notice to the wrong address. When I asked why it had been sent to a different address knowing that they have our home address I was told they did not have our address on file. The bill came to us every month addressed to our son for the same amount every month. Upon receiving this letter, it indicated that the loan had gone up $2600 now showing we owe $3600 to pay the loan off. When I asked about this, I was told that a disclosure statement had been sent to our address several times regarding change in the terms of the loan but the UPS was not able to deliver it. I told them we had not received any statement from them regarding this and that our son had not received any statement of any kind from them at his previous address, who happens to be his uncle. I asked what the terms of disclosure was about and all I was told was that "maybe it was going to take too long to pay off the loan so they had to change the terms, thus increasing the amount of payment,...but I'm not sure" is what the gentleman I spoke with said. He would not tell me what address they had tried to send the disclosure statements to and would not change the address over the phone. So now instead of owing $1000 we are being told we owe $3600 but nobody can (or is willing) to tell us why we never received the statement or the bill for April, May, or June but instead had a an overdue bill with new pay rate and principal balance sent to another address.Desired Settlement: Billing adjustment and credit rating restored as well as apology from company in writing.

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 6, 2015. Please allow sufficient time for

postal delivery. We are working with the customer directly to resolve the issue.

Consumer

Response:

Review: I recently finished graduate school and now need to continue paying on my undergraduate student loans, I do not object to doing so and have funds available.

On February 23, 2015 logging into Navient's online pay system I made payments to two private loans and two federal loans (Navient account # [redacted])

On February 26, 2015 it came to my attention that Navient processed the two private loans without issue. However the federal loan payments were rejected.

On February 26, 2015, I contacted my bank to verify that the routing number had not changed and that there were sufficient funds in my checking account. The bank showed no issue with the routing number as evidenced by the private loan payments processing and there are more than sufficient funds available.

On February 26, 2015 via email, I contacted Navient's technical support regarding the issue of federal loan payments being rejected.

On February 26, 2015, Navient's response was that I was using the incorrect routing number, despite the fact that the two private loans were processed without issue.

I had this same issue in 2010 prior to entering graduate school with Sallie Mae's online payment system, which Navient has taken over, in that private loan payments would process and federal loan payments were rejected repeatedly. At that time, I spent hours on the phone and one customer service rep that I was eventually transferred to was able to temporarily suspend a setting to allow for the payment to process.

In a good faith effort to make payment until this issue is resolved, I have since mailed a paper check.Desired Settlement: I simply wish for Navient to acknowledge that there is an IT issue that blocks me from making a federal loan payment at the same time that I am making private loan payments successfully and correct the issue with federal loan payment processing. This so I may continue to make loan payments in a timely manner, online.

There is no issue with my login.

Funds are available at Alaska Federal USA credit union.

The routing number on file is correct.

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 13, 2015. Please allow sufficient time for postal

delivery.

Review: In 2013 I had contacted the Revdex.com to assist in regards to misplaced or misattributed payments on my student loans. The result was supposed to be return of the debt from collections to the original company as the default was in their error and not mine. I have duplicate checks to prove I had made separate payments on each part of the loans they held and that these should have been applied accordingly, instead of how they were (all in the one instead of to the loans which they were intended). Since then the debt has stayed in collections and now I am being threatened with legal action over their mistake. I would like to have assistance in getting the original agreement dealt with so that it is taken out of collections so I can pay on it as consolidated with my other loans to attempt at getting this student loan debt taken care of legitimately and once and for all.Desired Settlement: To do what was originally imparted to me as the outcome of the original claim from 2013, to return the debt from collections so I can pay upon it and consolidate if at all possible (or at least give a reasonable rate). I had been under the impression that this is what had happened until recently and am extremely dissatisfied with their services. I have the duplicate checks if they require them as proof of my original payments that they had misplaced.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on March 9, 2015 and resolved the

issue with the customer.