Navient

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: 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: The company sends out bills that reflect higher payments then the monthly payments that are due. When you try to pay the bill on it's due date online they charge you with a late fee and tell you that your payment is late.Desired Settlement: the business needs to fix their system to allow payments to be made on due dates. The company needs to be more customer oriented and needs to check their bills before they send out their bills. The company needs to fix their customer service issues.

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 2, 2015. Please allow sufficient time for

postal delivery.

Review: I received a letter in mail regarding rate reduction program I'm currently enrolled in is expiring. My payment will be raised if I do not contact them by Sept 1st 2015. I called 8/17/15 to number listed on letter [redacted]. I was told first number wrong and transferred. I called back after being on hold for over 20 mins, I was given [redacted]. I was also given [redacted]. In all between being transferred and different numbers to call I was on hold for over hour and thirty minutes until last phone call I was company having phone system issues to try to call back tomorrow.

I called number listed on letter 8/18/15 and again was told wrong number and given customer service [redacted], who attempted to again transfer me and give me an additional number to try. I told [redacted] don't transfer me and get me a supervisor due to this being ridiculous going on the second day of excuses. I was then put on hold for about 8 min and the person that came online was the person from the department I needed. I was informed I didn't need a supervisor because he could help me with my issue.

I'm just concerned I was given the run around for two days until I asked for supervisor. I question if I would have been given the run around until my rate reduction program expired and payment automatically increased. I also wonder how many customers this gimmick works on and puts them in a hardship with payments.Desired Settlement: I think the company should not be allowed to what appears to me as attempting to take advantage of already financial strained customers by giving them run around until rate reduction program expires and you can increase payments company takes out of accounts. No reason why a company who is this successful in praying on customers needing student loans with outrageous interest rates, that will take their entire life to pay off, can't manage to have a phone system that gets you to the correct department.

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 28, 2015. Please allow sufficient time for

postal delivery.

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 28, 2015. Please allow sufficient time for

postal delivery.

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: 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: 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: 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.

Navient is threatening to take my tax refund over a dent I didn't even know existed. I thought I paid this loan off over a year and a half ago. I called and offered to settle the debt for what I owe minus their extremely bogus collection fees. They refused to discuss. I hung up on them and have filed reports and complaints with government agencies.

I just received a phone call on my work phone about a delinquent student loan from Navient. The best part about it? When they switched from [redacted], I re-enrolled in automatic debit. And they call me and tell me I'm delinquent? Then once I'm off the phone I log in to check my account and it says "You are enrolled in automatic debit." Sounds like a fault on their part, not mine. There is not much more I can do. I miss [redacted].

Review: I JUST NOTICED THAT ON MY CREDIT REPORT NAVIENT IS REPORTING PAST DELINQUENCIES OF LATE PAYMENTS ON JUNE 2010 AND JULY 2011. AT THE TIME THESE WERE REPORTED I SPOKE TO SALLIE MAE VIA PHONE AND WAS ASSURED IT WOULD BE REMOVED. I NEVER ENTERED INTO A REPAYMENT PLAN WITH SALLIE MAE AND/OR NAVIENT ALL OF MY PAYMENTS WERE DEFERRED FOR DIFFERENT REASONS AND THEY AGREED TO REMOVE THE LATE PAYMENTS ON MY CREDIT BECAUSE THEY FAILED TO UPDATE THE RECORDS AND NOTIFY ME IN A TIMELY MANNER TO AVOID SUCH NEGATIVE REPORTINGS. CURRENTLY MY ACCOUNT IS IN DEFERMENT IN 2015.Desired Settlement: I WOULD LIKE NAVIENT AND/OR SALLIEMAE TO CONTACT THE THREE MAJOR CREDIT BUREAUS AND REMOVE THIS NEGATIVE CREDIT REPORTING OF JUNE 2010 AND JULY 2011.

Business

Response:

Thank you for

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

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

Postal Service on April 27, 2015. Please allow sufficient time for postal

delivery.

Review: Using the navient.com website to view my student loans, I made a payment in January for the total amount due. Feb 1 phone calls started to my grandma and mother telling them that I was behind a payment. My mother paid 340.00 on Feb 17 to get me caught up even though I had not missed a payment. Mother and Grandma are receiving two phone calls each every day since Feb 1 harassing them about the payment. But I used the quick pay button on the website to pay the total amount due so I know I was not behind. On Feb 20, my grandmother called to inquire as to the problem and was told all the money was paid to only 1/2 of the loans instead of paying on all the loans. She had to pay an additional 338.71 because they couldn't transfer the money to the other 1/2 of the loan. We were charged a late fee even though half the loans received twice the money they needed. The phone call to inquire lasted over an hour and still no answer from the company as to the misappropriation of funds. This will effect my credit score and my family is tired of getting calls when we have been paying them the money they requested. The website is misleading, the people are rude in customer service, and they are not applying the money as they have promised they would to each of the loans. Further, out of the five people she talked to on the phone, three told her that the accounts were up to date and not past due while two told her to pay more. Inconsistence in answers as we were transferred up the line is very frustrating and makes us feel like we are being lied to. One person, Greg, actually said we had make two payments to get the loans paid even when the website says to use the quick pay to pay all the loans with one payment. Where is our money?Desired Settlement: I would like the Revdex.com to look into their business practices and somehow get the Private Student Loan department and the Department of Education Student Loan department to share the payments if the website says I can pay all the loans with one payment. I would like a formal apology in writing to both my Mother and Grandmother. I would like them to only contact 1 person with 1 phone call if there is a problem instead of the harassing 2-3 phone calls a day to two people when the problem is on 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 March 4, 2015. Please allow sufficient time for postal delivery.

Review: PAYMENT ISSUES!!! NOT A REPUTABLE COMPANY!!! EXTREMELY POOR CUSTOMER SERVICE. I have had my loan since 3/11/2015. Since then, I have made 3 payments via Navient's website. After waiting for 30 days after being deducted from my checking account!, I have had to contact customer service to determine why my payment was not showing on my account. I have spent over an hour during each call, just to be told that I would have to call back by a certain date if the payment had not posted. This is absolutely absurd! I don't have to call about any other bill I pay via any means, much less have to call twice to figure out what is going on! My last payment was posted on Navient's site on 5/5/2015 and then a negative payment for the same amount on the same date! WTH??? So I called again, just to be told that I would have to send in documentation from my bank account with proof that the payment was deducted. I did so immediately (5 minutes). No change on bank account for 40 days! I called again on 7/6/15 and spoke to [redacted] at Navient. She saw where I had sent in the banking information required. She told be to wait until 7/16/2015 (today!), and if the account still did not show the payment to call back AGAIN!!! Obviously it is still not showing on the account, but yet my checking account is still $200 short and I have no idea where my money is at!!! ABSOLUTELY THE WORST BUSINESS I HAVE EVER HAD DEALINGS WITH. I would strongly discourage anyone from doing business with this company. Bad thing is, I'm STUCK with this company as my loan was acquired through the US Department of Education. There is no wonder in my mind why this company is under such scrutiny lately in the news. STAY AWAY!!!!!!!!!!Desired Settlement: I want documents from Navient proving that any payment that I have made in the past has been back dated to the date it was actually received and that the interest charges were also back dated to keep me from incurring unnecessary charges. I also want to know that any future payments made will be promptly credited to my account. I have made monthly payments since my load was initially disbursed to try to stay ahead on my loan. I just want to know that my hard-earned money is being applied!

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on July 21, 2015, and we are working with the customer directly to

resolve the issue.

Review: I have been apllying for the student loan forgivess program for the past 7 months. The amount if for $5,000.00. The school that I was working at during the loan period qualifies for the program and the dates that I was employed at this school meets the requirement of 5 years as well. I have been constantly getting a denial for wrong dates, wrong form, I didnt place the comma in the correct space, or the hypen in the correct space. This has gone on for 7 months and I absolutely meet all of the requirements. The customer services representatives has also acknlewdged that what navient is doing is obvious.Desired Settlement: To have my loan forgivenen.

Business

Response:

A representative from the Office of Customer

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

issue with the customer.

Review: First off I never heard of this company until 5/13/2015 when I received an email from them stating they were debiting my bank account. I NEVER provided them with my banking information. I immediately called and found out my student loan was taken over by them. I was NEVER informed of this. I NEVER received anything in the mail about them switching the loan over. I NEVER gave them permission to debt my account, I NEVER gave them my banking information. I advised the rep I spoke with of this. They advised me that my account would not be debited. They actually guaranteed me that it wouldn't be. I am still currently in school. I checked my ban account today 5/16/2015 and my bank account was debited on 5/15/2015. I feel that this company is a scam, and I want my money back ASAP. I am also reporting this company to the FTC and AG office. The rep I spoke with on the 13th stated that they mailed me via mail all notification of this, I advised them I have not received a single piece of mail from them. I spoke with a rep at [redacted] at 10:51amDesired Settlement: I want a refund. I want y banking information to be taken off. I want this scamming company to be shut down. No ethical company would just debt someones bank account without providing proof, also they would not debt an account when they stated that they would, on top of not having permission to debt ones account. This is sickening. If indeed this company has my student loan. I would like it transferred to an legitimate company that is ethical, and does not do these illegal debts.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on May 21, 2015 and resolved the

issue with the customer.

Consumer

Response:

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

Review: The Navient.com website connects all of your student loans in one convenient place (both private and DOE) so that you can pay both with "ease." They offer a QUICK PAY option which to quote their website explains "you may pay all of your loans by selecting the quick pay option." I selected this option when paying my monthly dues on 4.14.15, however their system applied the full amount of both combined loans only to my DOE loan, leaving my private loan to fall in to delinquency. After providing documentation that the sum paid to the DOE was the two loans combined, sharing with them my confirmation email they sent me, and my bank account statement a customer service representative shared that the amount owed was all set to the DOE and not to my private loan. He then shared that people occasionally have issues with their system and that "to prevent this from happening in the future I should not use their website and call instead." They then refused to remove the late charges posted to my account. If their own employees do not recommend using their apparently "user-friendly" website, then why should I be charged a fee for paying my loans early, only to have the disbursement be a fault of their website's quick pay option?Desired Settlement: I would like my late charges to be dismissed. I have never missed a payment to date and I don't intend on missing one in the future. I followed simple instructions and their system was at fault. The DOE is sending them the owed difference, however Navient told me that this will not be sufficient and I should consider making payments so I do not fall further into delinquency.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by email

on May 11, 2015, and we are working with the customer directly to resolve the

issue.

Consumer

Response:

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

Review: On 7/8/2015 I received a call from a very nasty woman at Navient telling me I owed $897.00 today, demanded persistently I give a credit card, cash, or check! I told her I was informed by the Advocates office of Disability not to speak to Navient; they handle Federal Loans for new borrowers; not Private Contract Loans. I told her to stop contacting my parents; the lawyer faxed/certify mailed a Cease and Desist letter for both of my parents that one more call criminal charges will be filed. She became very belligerent stating nobody called my parents: There are recordings of ALL NAVIENT CALLS as early as 7 am and later than 9pm, more than 4 times daily, everyday, including weekends/holidays! She told me she can call me if she wanted to, the advocates office can't stop Navient from calling. I explained, [redacted] has the contract, she merged all loans into one loan, the forbearance dates were to start and end at the same time. [redacted] had them in administrative forbearance, on several occasions had to extend that due to complications she had fixing it in the system. I call June 14th, 2015 spoke to John who adamantly refused to continue forbearance, he said one forbearance expired, the others had two months time left to use; that 897.00 would need paid, I explained that was wrong Ms. [redacted] redid the contract merging everything into one, making them due on the same date. He said he would email her to call me, no call was returned. I tried calling her several times and left messages, [redacted] at the advocates emailed her twice to call me, to present date no return call from her has been made. I have persistently, faithfully tried to resolve this issue as directed by Ms. [redacted]. I paid $150.00 every 3 months as I am permanently totally disabled, receive Medicare and only $1,000 disability pay. Additionally I was wrongfully denied the original disability review for waiver; this was for 7,500 and I paid 150.00 for forbearance. After my school contacted the company's higher ups it was determined it was an oversight that Minnesota life would review the loan. I was informed that I was approved for 100% waiver from [redacted] Salute at Minnesota Life in her review 9/2013, and just Friday July 3rd, I received a letter date May 21,2015 from Ms. [redacted] stating she got the information from Minnesota Life for the review of 7,500. I was offered 85% write off of adjusted balance. I am owed back 1 year of forbearance time I paid for the oversight error by the advocate of Sallie Mae/Navient. I called Ms. [redacted] right away left an in-depth message, requested a call; and called thereafter: I have a phone log showing these calls were made; and all conversations I have recorded including today's call from Lafayette, IN Navient Rep. I finally told the rep if I filed bankruptcy the judge would dismiss this, I am not collectible, and own nothing. The judge would not make me live naked in the street to die. Furthermore, disability payment is not able to be garnished, it is judgement proof. Per the [redacted]15.06 this is enforced by law! The rep told me this is in collection now, I need to go to bankruptcy court, it will not be dismissed, and shes starting collection action on me today and hung up on me! This is NOT negotiating, this is not being reasonable; it is not my fault Ms. [redacted] has not fixed this or called me back, and I absolutely can't give my entire disability check to Navient, and NO court of law will accept this ludicrous behavior from Navient! I tried putting it on forbearance, was denied my right to do so. I tried to resolve the issue before it became one to no avail. This is the fault of Navient/Sallie Mae poor customer service who are inadequately trained! To be harassed, threatened, and bullied, is against laws set by FDCPA, and serious repercussions are at stake against Navient for these actions!Desired Settlement: At this time I demand ALL ORIGINAL CONTRACT DOCUMENTS validating this debt. This is my right, and I am exercising it and demand it within 30 days of this complaint! I have contacted Attorney General, FTC, they will follow up with this! I demand any/all actions to cease immediately, per Navient rep: "She is taking collections actions against me, she reportedly stated it is in collections, Navient is not overseeing this contract; University of Toledo FA backs this. I will file suit in the court of law for these actions if one derogatory thing is on my credit report! Sallie Mae Advocate has my information, they have a duty and obligation to work with me and have done all in their power to not do so! I demand NO calls come again from Navient they will be directed to an attorney instantly, ALL CONTACT here on out is to be in writing from Navient. As Navient records conversations, I do as well, all conversations, all calls they made, all calls made to them have been recorded. It is not my fault I have become permanently totally disabled, I would prefer to work and earn sufficient income rather than diagnosed with illness with life expectancy of 10 years if that! I was approved for a waiver by Minnesota Life, and it states in writing; if I were, all debt, interest, is 100% waived; however, Sallie Mae has made their own rules to the language and rescinded their earlier words; I am eligible to have my loans reviewed for PTD discharge. I will not accept this treatment, be deceived by this company; of which is not licensed in the USA, and I will exercise my legal rights to the fullest extent of the law! For Navient to tell me borrow money, use a credit card; which clearly states it is not student loan as there is no paying student loans on credit cards which is more debt and wiped out in bankruptcy, and that I better go to the bankruptcy court because shes starting collection actions against me; she needs fired! Navient is to NEVER CALL ME AGAIN; EVER! I am to receive ALL contracts that they state this debt is owed, In 30 days, there is to be nothing on my credit report; this is against FDCPA, and unlawful/punishable by law, and I demand to speak to [redacted] ONLY I will speak to nobody else within this corporation but the owner or CEO! I also demand the records from the phone call that came in from Layfayette, IN [redacted] to be pulled and this incompetent ruthless employee to be held liable for her actions! To tell a person that they better get to bankruptcy court because shes pursing collection actions on them; and hang up on them! Especially when the Advocates gave me a directive NOT to talk to them, and [redacted] in the advocates office took my 150.00 forbearance fee 3 months ago and stated you have one forbearance left on these; and I tried on 6/14/2015 to do this but was denied, promised return calls and that never came; and failed at my extensive efforts in leaving messages with people, and on Ms. [redacted]'s voice mail trying to resolve this before an issue arose is unjust! I demand the last forbearance call with [redacted] to be pulled which validates the aforementioned, and all messages to Ms. [redacted] pulled to validate the efforts of trying to reach her, and Loraine who emailed twice, and John. Navient/Sallie Mae has NO legal recourse against me until upholding their end of the contract; which was deviated from, and working with me. Additionally, there was never a letter mailed stating anything was in collections, another violation of the FDCPA. I want the records pulled from the caller at 4:30 pm 7/8/2015; and all actions ceased immediately! At this point Navient/Sallie Mae has violated the law, and my rights! If this is not resolved I will not hesitate to contact the media for their assistance! I am not wealthy, rather near my death permanently disabled and under poverty level!

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 17, 2015. Please allow sufficient time for postal delivery.

Review: I enrolled in automatic debit for my federal student loans on April 8th. On April 10th, I received the following message:

Dear Dyan,

We're reaching out to you with a quick update on your recent request to enroll in our automatic debit program.

We've reviewed your auto debit application and are verifying your account information with your bank. This process may take up to 10 days.

We'll send you an email once we've completed this process.

We appreciate the opportunity to help you navigate the path to financial success.

Sincerely,

Navient Customer Service

It is now 12 days later, and after speaking with customer service, I'm told that this may or may not be completed by my payment process date of April 27th, and that there's a 20 percent chance that the payment won't go through.Desired Settlement: Part of the incentive to move to automatic debit was to reduce my interest by .25%. I would like that applied retroactively to the day I applied, April 8th.

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 24, 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: This business was paid in full by my bank account. They sent my a conformation # that confirmed the amount but put a different account number. Then charge my account again for $4804.93 without correcting the initial error. My bank knew me allowed the transaction from the first try to go through. I contacted Navient to correct the error but all they try to do is avoid taking care of the problem. They asked me to send my bank record via fax. I have now done this twice. This time I informed them I intend to seek my lawyer if they don't refund my money to my bank account.Desired Settlement: Please inform them they now have one week from 4/10/15 to fix the problem. I'm not joking.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on April 16, 2015 and resolved the

issue with the customer.

Review: Falsely reporting that I was missing my monthly loan payments. Failing to honor letter stating I successfully paid offrepayment.Timely deferring my student loan payments while I am in school.Desired Settlement: Letter of apology. Reduction in my rate of student loan repayment. Reporting to ALL credit bureaus that my payments are in good standing. Defer my student loans while in school.

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.