Navient

Review: I have some student loans with Navient that I am required to pay back six months after I quit going to college. I quit applying for loans because I don't need them, but I have continued to attend at least 6 credit hours of classes every fall and spring semester at the [redacted] Community College District since getting the loans, yet Navient keeps sending me bills saying I'm past due.

I have contact them twice, once via phone and once via their website, to inform them that I'm still attending. When I contacted them by phone in early 2015, the issue was resolved for two or three months, and then I started getting billed again. When I more recently filed a complaint about it on their website, I never received any response whatsoever. I believe they have also filed a forbearance on my behalf without my authorization.Desired Settlement: I want Navient to quit billing me while I am attending college, to have their records and my credit report show that I have not been late on any payments nor been issued a forbearance, and to ensure me that my interest rate has not gone up nor have I been charged any extra interest that I should not have been charged while attending college.

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 7, 2015. Please allow sufficient time for

postal delivery.

Review: Trying to make a payment, but phone calls keep getting systematically and automatically routed to collection agency. I am unable to speak to anyone at Navient and the collection agency refuses to connect me to Navient.Desired Settlement: I would like to speak to someone in the billing department of Navient so they can take my payment.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on October 1, 2015 and resolved

the issue with the customer.

Review: I'm a customer with a private student loan. My interest rate is very high and I have an entry level position, I do not make enough money to pay my loan and pay my living expenses. I want to keep paying, but I need a repayment option that better suits me and allows me to have a good quality of life while paying off my loan. I've been trying to negotiate a repayment plan for over a year now. I've called many times and all the customer service representatives advised that the only way for me to get a repayment option based on my income or even a little lower was to be late on one payment and talk to the collection department. I did as they advised and didn't pay on time for the month of march. When I called the collection department they made a financial assessment on me and my cosigner. After doing this assessment they came to the conclusion that my cosigner makes too much money and therefore I am not eligible for any help from them. I don't want my cosigner to pay my loan, I don't want to beg for money when I could keep on paying on time if they just gave me a better payment plan. They advise that the only way for me to get help from them is to release my cosigner and to do that I HAVE TO PAY ON TIME FOR A YEAR, which I was only 2 months away from completing. Because of their advise of letting my account go delinquent to get some help I now have to keep struggling and maybe not eat for a year or drown myself in more debt. This is completely unfair and it demonstrates that the company has no quality of customer service and has very poor ethics when it comes to collection practices. Knowing that I do not produce enough money to make payments they choose not to help me in any way. Just ask me to take forbearance until my situation changes, I can only take 1 year forbearance for the life of the loan which is 10 years. In my field of work payment is low and to get a better salary you need to have 5+ years of experience. I only started working 2 years ago, that means I'm stuck with a similar salary for about 3 more years.Desired Settlement: I need my account to not be reflected as delinquent so that I can release my cosigner in 2 months. I need to receive a repayment option suited to my income at least for a couple of years (even if that means I will pay my loan in a longer time frame) and not have a negative impact in my credit score.

They need to stop suggesting loan borrowers to let their accounts go delinquent. I was explicitly advised by several customer service representatives to not pay my balance for at least one month in order to get help, this incompetence is unacceptable and unethical.

They need to start being human on their decisions of not helping the borrowers, especially students that just graduated from school and are going through amazing struggles to keep up payments.

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 31, 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'm in a contract with Navient so that I need to pay on time for 3 years to be eligible to release the co-signer on the student loans. They used to be Sallie Mae.

Now, 6 years ago, they've pulled this same thing I'm dealing with now. I had to wait 3 years to build good standing with the business, but I was less experienced with being extorted. I have the same situation happening again, on June 5th, 2015.

They will say a payment was being processed, and they I am on an auto-debit from the account. (I'm very busy, and I can't be online checking my emails from them every week from this one service and I depend on this to directly debit from my account.)

I wanted to change the amount of the auto-debit higher, and I called into make a payment after cancelling it and re-instating it.

When I called in, I spoke to someone camed Moisha to process my May payment, and find out how to raise the amount in the auto-debit. She said that for me to change the amount of my pre-pay, I would have to have paperwork sent by mail. I would need to cancel my pre-payment, and she would set it up over the phone for them to edit. They did not email me confirmations or anything to validate these conversations. They said they do not have confirmations for these things.

Now, I find they did not rein-state the pre payment, and did not debit from my account on time.

I spoke to a supervisor because they refuses to send me confirmations for anything but the payment, and since I was told to cancel the prepay for the rep to set up, now it looks like I canceled the prepayment.

The supervisor, Jenny, would only tell me the system just shows I cancelled my prepayment, and would not send an email, a letter, or anything explaining the confusion and I was midled. This will affect by hard-earned 3 year standing with the company, and they are aware if I managed to remove my co-signer, I can default on my loans.

I think this needs to be investigated. Their mistakes should not be impacting me and my family what-so-ever. I want a letter explaining this was NOT my fault, and I do not want to be affected by the payment they did not process as they said it would be.Desired Settlement: I want a letter explaining this was NOT my fault, and I do not want to be affected by the payment they did not process as they said it would be.

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 26, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: Have calll Navient several times to get information about my account send to me or just give me the correct info over the phone. NOTHING....This is the worst customer service I have experience.Desired Settlement: I want a pay-off amount send or emailed to me ASAP

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 28, 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 graduated from the [redacted] back in February of this year, in March, I went in and applied to have my student loans consolidated with [redacted] as the carrier of all my student loans. As well I applied for the income based repayment plan. Back in August I contacted [redacted] for probably the sixth or maybe seventh or eight time regarding my consolidation and income based repayment plan as I kept getting statements stating my payment was due. I even contacted Great Lakes, who is the other carrier of my student loans who states that back in May they have sent [redacted] all documentation needed for them to consolidate all my loans. Just this past week I have gotten an email that states I owe 300.00 and something which is past due and I have yet to this day to hear that my consolidation has went through nor that my income based repayment plan has been approved. With that being said, it's funny because Great Lakes has approved my income based repayment plan and I have nothing owed to them at this time. I do not understand why it is eight months past my graduation that [redacted] has not be able to consolidate my loans, nor six months after my graduation date when my income based repayment plan should have taken affect that I'm still getting statements stating my payment is past due. I am trying to do the right thing and I need help because calling [redacted] and getting different answers every time I get someone is not helping. I don't know where to go from here and I cannot afford for them to decide to one day just take it out of my paycheck when I have been trying for eight months to get this completed. I don't understand how a company with such statue as [redacted] can treat people the way they do and now some other company has came in, now I may never get my loans consolidated. Please help.Thank you,[redacted] MY DOB [redacted]Desired Settlement: I would like my income based repayment plan approved and no more statements and my loan consolidation completed. This has been going on since March, it's time to get this matter taken care of so I don't have to sit and worry every day or call them every time I turn around to try and get it fixed. Please help 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 28, 2014. Please allow sufficient time for postal delivery.

Review: On May 27, 2014 I spoke with [redacted] at [redacted] about a settlement amount for my student loan. [redacted] said it looked like it was possible it could be approved, and that I should send in my hardship letter, I was also told I would hear a response within 30-60 days. I sent in my hardship letter and never heard back from the company. Since then the company has merged with Navient. Navient should have the same information, that [redacted] had about the settlement but I spoke with four representatives (Two by the names of [redacted], and [redacted], the other two hung up on me) and a supervisor (John) who said they had no documentation about my $10,000 settlement. Furthermore John was very negative about my $10,000 settlement amount and he said that amount would never be accepted. He also said that my loan wasn't eligible for a settlement (but someone was working with me on the loan so obviously it was eligible). John was very condescending and practically accused me of lying about talking with someone since he could not find the documents. I felt as though he was talking to me like a robot and did not listen to my requests. He didn’t give me the benefit of doubt. We deal with computer systems and imperfect people it is possible that my documentation was misplaced. I felt extremely upset after getting off the phone with John due to the fact that none of my paperwork could be located and he had a very negative tone by saying it was impossible for me to get a settlement that I had already been working with someone to approve.Desired Settlement: I would like an apology for the rude service.

I would like my settlement amount to be honored.

I would like my case escalated to the person in charge of settlements.

I would like to be able to re-submit the documents they claimed to have not been received.

Business

Response:

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

Review: [redacted] is failing to correct the errors reported negatively against me via [redacted] Credit Reporting Agency. All [redacted] student loans were negative and deemed first date of delinquency on "APRIL 2008". However, [redacted] has incorrectly reset first date of delinquency to "FEBRUARY 2009", which is completely wrong. This is negatively affecting my credit worthiness and challenging to secure a home mortgage.

I have called, faxed and submitted my credit reports demonstrating the discrepancies and they are not cooperating. I need help.Desired Settlement: Delete all [redacted] entries from [redacted] credit reports

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on November 13, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: Each month for the past 5 months this com9any put a pre hold on funds 4 days prior to the payment date, which caused a $420 in overdraft fees to my account. This caused my account to be reset for use via check writing and debit card use. I was told by several agents they don't do that and won't or they do and its a standard practice. I asked to have the payment date change to bemore flexible. They stated no. I explain the cost and if the could incur that cost.Desired Settlement: Would like a credit of $500 toward the principal and change date of payment to first of each month.

Consumer

Response:

Review: The company reset my loan terms, without full disclosure from the rep that reset them. It caused my loan payment to go off of income based repayment to a regular schedule, tripling my monthly repayment. I have always reapplied for income based repayment immediately after filing taxes, which places my renewal between March and April. I have always been responsible, I have never been neglectful, I have never missed a payment. An irresponsible rep on their part reset my account to start the application process over in December, without communicating that to me. When I tried to get it corrected, they fought with me and refused to connect me with a supervisor. I called more than five times, in which they refused to connect me with a supervisor and kept cycling me through their automated system.Desired Settlement: I want my account corrected, placed back on income based repayment with an application renewal date of either March or April. If they have to place my account in forbearance to do this, I want my loan interest suspended until I am placed back on the correct payment plan in March or April.

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:

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.

Review: My interest rates are higher than credits card for student loans on top of that no one will provide answers to why these rates are so high.

I have never missed a payment and yet I have 13% interest rates on $130,000 in loans. They don't provide consolidation or any type of help.Desired Settlement: I would like a lower interest rate of 3-4% for 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 February 4, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: On February 5, 2015, I contacted Navient (my new Student Loan repayment provider after their split from Sallie Mae) to pay off one of my loans. When I called Navient to ask how I can pay off one loan the individual on the phone started to walk me through the steps. Along the way I got an error message. I mention the alert to the man on the phone and he immediately put me on hold. I assumed he was asking someone what to tell me to do next. He returned to the phone and stated that my Auto Debit had been CANCELED "as I had requested"! I was so angry! I did not ask him to cancel my Auto Debit that night (please-pull the call!) One hour and 30 plus minutes later (I was placed on hold several times asking for someone with authority) a supervisor had reinstated the Auto Debit and explained that he was new. I didn’t feel good about my transactions with them anymore (after an hour and a half) and decided to call again the next day to pay off my loan. The next day, I see that my Auto Debit was indeed reinstated, but the .25% savings/reduction on each loan’s interest rate for being enrolled in Auto Debit was no longer there. I have received this .25% reduction since I started paying on the loan in 2008. I was now being charged MORE interest, because of their error! Had he not canceled my auto debit in error ,I would not have lost my .25% reduction. The woman that I spoke to on February 6 (for maybe 30 minutes) spoke to her supervisor and assured me that on Feb 16th I would see the interest rate fix itself. On February 17th I called to find out why it still wasn’t fixed. This man who answered was new and so I asked to speak to someone else. I stayed on hold 25 minutes (he never returned to the call) and I hung up and sent Navient an email. In the email on February 17, I advised of all of the above and requested that someone fix the interest rates (that the first man broke) and someone with experience call me so that I can pay off one of my loans. I received a polite email that said they were sorry for what had taken place to date and per my request someone would call me. I didn’t receive a call back. I called them back on the evening of February 18, 2015. This call lasted 54 minutes and I was told that my interest rates have been fixed and should be reflected in the system by 6:25 PM tomorrow (24 hours). On February 19, 2015, I checked the system and they were not fixed! I received a phone call from Kevin who stated he would fix this right away and gave me his direct extension. He stated the fix should be reflected real time. I called him back at the end of the day and told him it still wasn’t fixed. He said give it 24 hours. I gave it 3 days. On February 23, 2015, I called Kevin back and explained that it was still not fixed. He said he would call me back that evening (which he did). He told me that evening that it was a system glitch and that it would take three days to fix. I did not get a call back from Kevin, so on February 26, 2015 I called him back. He stated that at 2pm that he had received an email stating that I should have NEVER had the .25% interest rate reduction- not since 2009. I said I signed up for auto debit while it was with Sallie Mae and for doing so they gave the reduction. I’ve always had the .25% reduction. He said he would need a few more days to try and overturn their decision, but he had to do it delicately. He said if I had something from 2008 proving that I was given .25% reduction to please fax it to him and it MAY help, but no guarantees. They should have a copy of my records and I shouldn’t have to fax proof. They also can see I’ve always had the .25% discount. They are just scam artists. They should not be allowed to do this to people- steal their money and pretend they are not doing it and get away with it. At this point, I don’t trust them at all. I need Revdex.coms help in order to ensure my interest rates get fixed (the .25% reduction for using Auto Debit) and ensure that I can pay off my highest interest loan (not just a payment towards the bulk sum- which is in THEIR best interest and not mine.) Thank you in advance.Desired Settlement: I need Revdex.coms help in order to ensure my interest rates get fixed (the .25% reduction for using Auto Debit) and ensure that I can pay off my highest interest loan (not just a payment towards the bulk sum- which is in THEIR best interest and not mine.) Thank you in advance.

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: This company is a collection agency for student loans. I have two student loans currently with them that I have been paying on for 6 months. I spoke with my school and the National Student Loan Data Base and both organizations state that these loans have a zero balance (it also shows a zero balance on the NSLDB government website). However, Navient refuses to delete these loans from the database even after the school called them and confirmed that these loans received a full credit and none of the funds were used. I have spoken to several people at Navient to try and get this resolved (for the past two months) but they refuse to remove the loans from my account. In addition the supervisors whom I spoke with [redacted] Employee Number [redacted] (which he later changed to [redacted]) refused to help and did nothing but argue with me about the legitimacy of my claim. He offered no suggestions and refused to escalate to his supervisor upon my request. He said it would take 48 hours for any type of escalation and that there were no other supervisors to assist at that time. Only after I asked for his supervisors employee number and name did he became cooperative but still gave no real answer on how to resolve my request. At one point he stated that he could file a dispute but that it would just get denied. So I am currently waiting to hear back from a supervisor to figure out my next steps. If I do not get resolution soon I will need to consult legal council to get this issue resolved as Navient has been uncooperative with even considering my claim.Desired Settlement: My desired outcome would be to have my account closed with a zero balance, my money refunded for the times that I paid on the loans, and any negative marks removed from my credit report. In addition for Navient to teach their employees about customer service and proper dispute procedures.

Business

Response:

Thank you for

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

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

Postal Service on March 12, 2015. Please allow sufficient time for postal

delivery.

Review: Navient is who I pay my school loans through. It used to be Sallie Mae, and now Navient has my account. When my account was with Sallie Mae, I signed for up for automatic payments to come straight from my bank account. I have had this feature for 2-3 years.

Recently, I went to pull the tax document from my Navient account and noticed that I had been signed up for deferred payments as I am in school. This meant that the automatic debit payment stopped; something that I did not authorize. I did not receive an email or any correspondence about this change, and if I did, I would have reversed it immediately as I want to continue making my student loan payments. Only at the very end of my February statement did it mention anything about deferred payments. I have never had to check my statement as I have never had an issue in 2-3 years.

Plus, I received an email when Sallie Mae started using Navient; why was I not informed about this important change? Navient has all of my information: my name, phone number, address, email address, and Social Security number. There is no excuse for lack of contact.

Update: I have been on hold with Navient for over 2 hours on two different days trying to correct this issue. I spoke to various customer service agents who said that there was nothing they could do. I finally got on hold with a senior supervisor who I was told was "doing research" and then the phone promptly hung up after a survey. Isn't that convenient?!Desired Settlement: Because interest accrues daily, I am frustrated because I would have had to pay less interest if the automatic debit had been completed as scheduled. This amounts to less than $1. I would still like this reversed as I don't like the fact that the lender feels that they can do whichever they want to our account without proper notification. If I hadn't corrected this, (by reversing the deferred payment) I don't believe that I ever would have received notification. This would have worked in Navient's benefit as the interest would have continued to accrue, and they would have been paid more in the long run from the lender's lack of communication. This is what I feel needs to be addressed.

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 16, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I was a client of Sallie Mae and found out in February 2015 that Navient now held my account for my student loans (never was notify of this change). The first issue I have (not sure if I can include all within this one area), but I had been delinquent on my student loans, but this is due to the fact that the company would not work with me on getting the payments lowered due to a financial hardship, but back in 2011 thru 2013, I opted to make only interest only payments (with acceptance from Sallie Mae) - following my last payment, I attempted to discuss a new monthly payment, and their response was basically, "It is what it is" we can not make any adjustments. I made payments as I could and afford. Two years later, I received a call from this new company, Navient, and also on 2/25 I received letters dated, 2/20 and 2/24, stating my loans were delinquent (this is correct). I then talked to them on 2/25, 2/26, and 2/27 of this current year, and each time received different information on how to handle my loans moving forward. Of the three individuals that I spoke to, no one could verify the letters (issue one). I filled out this new document call "Fresh Start" and found that my interest percentage was increase w/out notification as well from 8% to 8.25%. I feel that a "bait & switch" was used here. The bait was everything I asked was stated as "Yes" we can do that, the switch I feel is that now talking to customer service, they claim they cannot do anything that I discussed with the initial individual. I also brought up the interest only payments from the 2 year period, they could not see this, and my loan balance was never decreased. Now, since I filled out the Fresh Start, I am suppose to talk to customer service. I called the 800# on the received letters, and when I finally was able to talk to a real person (their phone system is set-up so you can not go directly to a customer service agent without pressing many buttons and answering many questions) and talked to an operator which they had no reference to my loans on their system (they mentioned I was talking to the federal side and my loans must be on the private side, so she transferred me. (2nd issue, when using Navients web-site, my loans are labeled as FEDERAL). Over the course of the next several days, I spoke to their customer service, and when referencing my conversations from the previous week they had no record of what was discussed. Everything that was explained and manner in which Navient would accept my payments, what I could do to obtain a lower payment, etc, was not available to the customer service rep (issue 3). On, or around March 15th, I submitted a payment based on the letter received (dated 2/20 and 2/24 - this was done as a Return/Receipt, over night) and included in the package of documents was; (1) cover letter explaining the manner in which the payment was to be applied, copies of the two letters received with the amount listed on both of them, and the actual live check for $14,118 and change (amount shown on letters). A few days later, I checked Navients web-site and found that the payment was not applied as instructed, but applied to both accounts. I called them up, and they stated that I could not submit a payment to a particular account, that the manner in which the accounts were set-up payments were shared. I stated to them, then if this was true then why can I make a payment on my smart phone or their web-site and direct the payment to a specific loan. After approx. 15 minutes of being on hold, I was told that the payment was reversed and directed as requested. A couple days later, I verified this, as well that now there was still a balance due. (4th issue - if my loans were set-up in this manner, then why didn't they call - $14,000+ is a lot of money). I found that this remaining balance was what they are calling capital interest from when I put my loans on hold, which was not disclosed previously. So now, again, I use there web-site and find the pay-off for this loan that I've been trying to pay off (the pay-off calculator showed $1,160 as pay-off). On April 6th, I go through the same process again, type up a cover letter, explaining that I want to apply $1,160 to pay-off the remaining balance on this loan, and that the remaining balance to be applied to the remaining loan. On 4/13, I checked their web-site and found that the same issue again, they didn't follow the letter I submitted and applied the payment ($1,498) across both loans, leaving the loan trying to pay-off with over a $700 balance. On 4/14, I called them up again, and again had to express that I was not happy, explained that I letter was sent explaining the direction needed to apply the payment. They stated that they couldn't do this due to the manner in which the account was set-up. I told them not true, because they just did this on the first payment, which was 10X's more than this one. By this time my disposition was on the edge, I told them that I was going to file a complete with the B.B.B. I was then put on hold for an extended period of time (felt like 15-20 minutes, which was the actual length of being on hold), and the operator came back and said that we are going to reverse the payment and apply it as instructed. As of today, I have followed up and found that the account needed to payoff has been zeroed out, but the remaining amount of this payment that was to go to the remaining loan, was applied as an interest payment (my next current payment isn’t due until May, 2015 – so why should I have interest). I will be calling them again to discuss this matter.

In closing, you can see that I have a few issues with this company; first I would like to find out what happen with the interest only payments, if in fact they didn't apply that money to my accounts, then I want it back (approx. $225/month X 24 months); secondly, information is not made available for future operators on previous conversations held; each operator that I talked to, does not obtain the same level of knowledge as the others. A number of times I requested to talk to upper management and was denied, no-one was available. Except, on my last call, I was told that I would need to speak with a supervisor, but requested then that I talk with her direct report, which then was denied. Payments were submitted to the address required for payments, it didn't matter that I submitted payment instructions, they made the payment in the manner that they wanted to do, not how the customer wanted.

I have spent a number of years talking with the old company, and have had the same issues with them. They do not want to work with you, its their way or the hard way. I have never come across a financial institution of this magnitude and had so many issues.Desired Settlement: I need closure to these loans, after my continuing issues with this company, and having three kids of my own, I will never suggest taking a loan from this company in the future. Something is not right here - there manners show that they lack knowledge on the processing of and the financial processes governing their 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 28, 2015. Please allow sufficient time for postal

delivery.

Review: NAVIENT is false reporting the following account on my credit report that doesn't belong to me;

1. Account # [redacted], Loan $5,951.94Desired Settlement: To permanently remove the above item off of my credit report.

Business

Response:

Thank you for

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

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

Postal Service on June 19, 2015. Please allow sufficient time for postal

delivery.

Review: They had me in a forberance and borrower serves ecmc was supposed to resolve the issue all docs and paper work sent that I had no income NOW MY credit score took 140 point hit it's ruining my life horrible people don't follow up incompetent and rude HELPDesired Settlement: Credit FULLY adjusted LOAN brought to current status and SIF or NO INCOME PAYMENT base as REQUESTED

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 16, 2015. Please allow sufficient time for postal

delivery.

Review: Ever since my lender switched from Sallie Mae to Navient, I have been having issues. Every single month, my statement displays that I owe one amount, so I usually pay a bit over that amount. This past month it showed that I owed 160.00, and I paid 200.00. Then, I get a past due notice that I owe an addition $43. This same situation has happened 4 months in a row now. Everytime I call, they claim they are fixing the problem and relocating my payments, and the same thing happens month after month. Every time I call, I speak with someone who couldn't care less about my issue. They say I need to pay each payment individually, but there is no option to do that on the website!! The only option is the pay the total. So every month, they allocate the payments however they feel, and then charge me late payments.

I am SICK of this.Desired Settlement: I would like to move my loan to another agency, as it is clear that this will not get resolved by this incompetent company. I have already contacted the federal student loan ombudsman, so I am hoping they will be able to help me with 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 June 17, 2015. Please allow sufficient time for postal

delivery.

Review: I have 4 private loans through Navient. I went online to pay them and was told because my loans were past due that I couldn't pay online and would no longer have online access. One loan was not past due and I called and asked to have access to that so I could pay it. I also had been paying a small amount on the other three loans to show good faith. After being transferred to another company that was closed, I called back. After 30 minutes (after 15 minutes first call), I was able to pay over this phone, this time, without the $14 phone, yes $14!, fee. I was never told the other loans would be transferred and that I could no longer pay online for the current loan. I was told they would out in a request for online access that would take 10 days, if approved or denied, I would be told in another week by mail. By this time, my next payment will be late. Navient has unfair practices and it should not allowed. Also, if there were going to do this to my other loans, I should have been notified so I didn't continue to pay a small amount each month on each loan.Desired Settlement: I would like online access to my accounts. I would like to be notified when changes are made to my account. I would like to know in a timely manner when/if online access will be "granted."

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 25, 2015. Please allow sufficient time for postal

delivery.

Review: I have a student loan that should be deferred until my son finishes school next year, Navient said the school did not turn in the paper work so my loan is over due by 10 days, ok I paid the payment, Navient has called me 3 times this week before 7AM, this morning at 6:20AM and all they say is sorry but I need to talk to you.Desired Settlement: I want whoever is in charge to call me and explain why they called and woke me 3 times this week, what they are going to do to compensate me, and how they are not going to do this again.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on June 23, 2015 and resolved the

issue with the customer.