Navient

Review: They have failed to provide the ORIGINAL DOCUMENTS OF THE FRAUDULENT LOANSDesired Settlement: Im asking my garnishments back

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on July 15, 2015 and resolved the

issue with the customer.

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: 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 have had to place multiple calls over the past several years to correct misapplied payments. This costs me money and time and is unfair to myself and my employer. My calls at times are close to an hour and more than one call may be needed to resolve the issue of a misapplied payment. The past several times that payments have been misapplied I have had to call my bank (Regions) and get a manager from regions to talk with me on 3-way with a Navient associate. Some at Navient has said that I can have them take the payments directly out of my account where I would not have control of the payments and would not be able to see the payment in advance. I will not do this. Regions already sends the payment electronically and Navient should accept my payments and apply them correctly. I have talked with multiple associates at Navient and have done whatever they have asked me to do to remedy the situation. I am often told something different each time that I call in. I have never missed a payment but am constantly harassed as though that is the case.Desired Settlement: Fix the situation so that the payments are not constantly misapplied.

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 3, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: The people at Navient has continue to call me 10 times a day and after 7:00 pm and on the weekends harassing me on when I'm sending in my payment. I only get paid on the first of every month. I have told them that and they continue to call. They are calling me even the day after they received my payment. This harassment is stressing me out.Desired Settlement: NO FURTHER PHONE CALLS

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 2, 2015. Please allow sufficient time for

postal delivery.

Review: Navient Corp is denying me access to my account summary. Additionally, another persons name and birthdate are attached to my account number and my social security number in Navient's files.

In September of 2014 I called Navient with a complaint about not being able to access my online account. It was at this time that I was notified that another persons name and birthdate were attached to my social security number and account information. They asked me to fax them my social security card to verify my identity. I had to fax them my card twice before they had apparently received it on their end. I was in my senior year of college and neglected this problem probably longer than I should have. My next complaint was earlier this year.

On June 23, 2015 I called Navient to make my first payment on my student loans. I complained about still not having access to my online account. The lady I spoke with told me that they needed me to fax my social security card to verify my identity. I told her that I did that and they should have it on file. She put me on hold and when she came on she verified that they did indeed have it on file. While trying to figure out the problem I did gain momentary access to my account online by using another birthday, January 21, 1992. When I gained access I saw someone elses name, [redacted], along with her birthday and address. But all of the loans were mine. I am worried about a breach in my personal security as this [redacted] may have access to my name, birthday, and home address the same way I gained access to hers. However [redacted] seems to still be in Navient's files under my social security number. The lady I spoke with filed a complaint and summarized our conversation in my file. She successfully took my payment on my loan (to my knowledge).

On July 21, 2015 I made another payment to Navient. The issue with my online account had still not been resolved.

On August 27, 2015 I called to make a payment to Navient. The person I spoke with told me my account was past due as I had not made my July payment. I told him I had and gave them my confirmation information. He found my payment but told me that it was not processed properly and did not apply to my loan which was putting me in past due status. I made a double payment with him to secure that my loan was paid up to date and asked to speak with his supervisor. He transferred me to his supervisor, [redacted], and [redacted] assured me that he could easily fix the problem with the payment not being processed properly and told me he would call me the following Monday to confirm the fix. He never called.

On September 1, 2015 I called Navient to get an update on the July payment problem and contacted a lady named [redacted] told me that I would have to make an additional payment. This didn't really make much sense to me. She told me that they couldn't just fix the problem with the July payment being processed improperly but offered to refund me that payment since it had not been processed to my account. I asked to speak to her supervisor. I was transferred to her supervisor, [redacted], and he offered to refund the payment. He told me they couldn't just fix it. He had no explanation for why [redacted] told me they could and got very rude with me for asking to explain why he would promise me that. I allowed [redacted] to refund me the payment and accepted that that was the way it was. I asked him to file another complaint in regards to my online account and to mail me my account summary. He never did mail me my account summary. I believe this behavior to be intentional and he was extremely rude about my being upset about not having access to my account. To date I have never seen a summary of my payments to my account.

On September 11, 2015 I called for an update on my online account problem. I contacted a lady named [redacted] who told me that no action had been taken in regards to my complaint. She filed an additional complaint for me.

On September 29, 2015 I called to make a payment. At first they would not take my payment because they were telling me that my name and birthday did not match up with my account information. This is the first time I had this problem on the phone. The first person I talked to put me on hold and hung up on me. I did not catch her name. I called a second time and got a hold of a person who mumbled her name, twice, and rudely spelled it to me [redacted]. Best I could get. She told me the same, that it was not my account. I assured her it was and started naming the people and dates I had made previous payments to. She put me on hold and when she came back she found my information. It took me MUCH longer than it should have to get her to confirm that they did indeed have my name attached to my account. She, after a long time of arguing, took my payment. I then asked her to file a complaint for me. There is no guarantee that my complaints are being seen to and now I cannot even make payments over the phone without a long and rude conversation of insisting that they have me on file, they have my complaints on file, they have my payments on file, and they have my social security card on file. It took a long argument to get her to admit that and take my payment.

I have reason to believe that I have been flagged as a difficult customer and they are intentionally giving me a hard time and ignoring my complaints. I am being denied access to my account information and another person is in their system using my social security number. I am worried about identity theft and I have no guarantee that the payments I have been making to them are actually being processed towards my student loans. They are refusing to help me and treat me like I am the one who is being difficult whenever I call.Desired Settlement: Fix my account. Get [redacted] off of it. Secure my social security number. Mail me my account summary. Allow me online access to 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 October 6, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: I received a phone call from Navient on 06OCT2015 while I was at work. When I answered the call, the representative on the phone stated she was from Navient stating my September payment had been returned and my account has been delinquent since August. I stated that she was incorrect and I was at work and I disconnected the call. I received three (3) more phone calls from a number in Delaware on 07OCT2015, also while I was at work, and I was unable to answer. I called the number back at 5:35 PM when I got home and I was connected to a representative named [redacted] also stated the my September payment had been returned. I stated this was incorrect because it posted to my bank account on 21SEP2015. After back and forth conversation, we realized [redacted] was referring to previously set up automatic payments that had been scheduled for the 15th of each month when I signed up for the Rate Reduction Program. I entered the Rate Reduction Program on 18MAY2015. According to [redacted], my bank has been returning the automated payments since May 2015 with the disclaimer of "account not found", meaning the account number on file was incorrect. I asked [redacted] why I wasn't contacted in May when the first payment was returned. She told me that all of the correspondence is system-generated and the account does not get placed with a person until it is delinquent. Since I was paying online, Navient's system never notified anyone that the account on file was not correct. Instead, Navient kept trying to take payment from that account on the 15th of every month. When the payment was returned, I would receive an email stating I had correspondence from Navient. When I logged on, I saw a box outlined in red stating I had a certain amount of messages (currently it states that I have two (2) messages). There is a link within this box that says, "View All Messages". When that link is clicked, a pop-up box appears displaying messages. None of these messages ever stated that the account number on file was incorrect. I told all of this to [redacted], at which point she told me there are actually two (2) methods of communication from Navient; the messages that I had described, and another section called "Correspondence/Inbox". In order to find the correspondence/inbox, the user has to click "Customer Service" in the purple tool bar at the top of the page, select Private or Federal loans, and then navigate to the selection that says, "View correspondence/inbox". Here I found the letters to which [redacted] referred. I was not aware this "Inbox' existed, let alone where it was located until [redacted] told me. [redacted] and I also discussed the discrepancy in my loan payments. I was told that my loans are two (2) months past due. I stated that when I logged on and made my payment(s) on 19SEP2015 (these payments posted on 21SEP2015), I paid the balance shown in full. [redacted] explained that because Navient was expecting the automated payment on 15SEP2015 and that payment hadn't been returned yet, the amount shown when I logged on was not correct. I stated that there were no pending payments showing when I logged on and she stated that it would not have shown as a pending payment. At this point, I requested to speak with a supervisor because this matter needed to be resolved. I was connected to [redacted] and our conversation covered the same information detailed above. While talking to [redacted], I logged onto my account and pulled up the correspondence in question. The most recent letter states,"Your recent payment in the amount of $303.49 was rejected by your bank because: unable to locate". The letter goes on to say, "We've removed this payment from your education loan account. Unless you're paid ahead, your account may be considered past due until we receive your payment in full. As a result, you may be charged a late fee.* Please refer to your most recent billing statement or log in to your account at Navient.com for more details regarding dates and fees that may apply". The next line in the email states, "Making Payments - There are three easy ways to pay:", the first of which is, "Online at Navient.com - the most convenient way to pay". Although I never saw this correspondence, I did exactly what it instructed me to do, which is to pay online. However, it is important to note that this letter does not give any instructions on how to correct the account number error. This led me to the conclusion that Navient was not concerned that the account number was incorrect, they were only concerned with getting paid. [redacted] went on to say that if I paid the past due balance I would be brought current. I refused, since the past due balance is only past due because of Navient's billing error. [redacted] then stated that she, "can't just wipe out the past due balance". I told her that I was not asking her to "wipe out" anything, but I am aware that Navient can use an administrative forbearance to correct for errors on their part to bring my account current. [redacted] tried to tell me that this option does not exist, at which point I informed her that I knew it did because that was the resolution to my previous Revdex.com complaint against Navient in November 2013. [redacted] stated she would cancel all of my pending payments, but that she "would not" bring my account current. I stated that this outcome was unacceptable and that Navient needed to make this right. At this point, [redacted] placed me on hold and never came back. Instead, I was connected to another supervisor named [redacted] is without a doubt one of the worst customer service representatives I have ever encountered. She came onto the call with a very derogative tone and proceed to tell me "what was going to happen" and "what she would not do". She berated me and talked down to me throughout the whole conversation, which soon became a reiteration of the information presented above. While she admitted the billing error was on Navient's part, she tried to bully me into making a payment by telling me all of the things I should have known. I tired to explain that I was frustrated because if the error had been on my part Navient would have called me, they would have called my co-signer, they would have sent letters, etc. and I would have been expected to correct the error immediately, not when it was convenient for me. But this time the error was on Navient's side, and I was still expected to bear inconvenience in order to fix it. This is unacceptable. [redacted] became even more rude and hostile at which point I requested her last name for my Revdex.com complaint. She spelled her last name for me, and then proceeded to say, "you just really want to file a complaint". It was at this point that I lost my temper and after informing [redacted] of her non-existent customer service skills, I disconnected the call. In the five (5) months between May 2015 and October 2015, I did not receive a single phone call from Navient. Since 06OCT2015, when my account was officially delinquent, and today 07OCT2015, I have received no less than four (4) phone calls.Desired Settlement: I want Navient to apply an administrative forbearance to bring my account current since the root cause of this issue was the incorrect account number that they were aware of for five (5) months but made no attempt to correct. I would like all pending payments referencing this incorrect account cancelled and I would like to continue paying online like I have been for the past (5) months. Additionally, if I or my so-signer were reported delinquent to the credit bureaus, I want this reported as a billing error on the part of Navient and I want it removed. Lastly, I want an apology from [redacted] for the way she spoke to me and I want coaching provided to her specifically on how to handle situations like this in the future.

Society makes delinquent borrowers out to be lazy, free-loaders who do not want to accept responsibility for their debts. But here I am, making every effort to make payments, and I am now delinquent because Navient did not care that their information was incorrect until it led to a past due balance.

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 16, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: On October 10 I called Navient to set up a payment plan. I feel in more debt upon my Lupus Nephritis flaring up. I'm behind in several bills. Upon talking the customer service agent and after giving my information, she said that the lowest payment they could accept is $93. I explained to her that I cannot afford this. She then said we will take note of this. And proceeded to attempt to end the call. I interrupted her and said however I can make a lower payments. She became very irritated with me and the rest of the phone conversation. Never giving me a chance to make a lower payment. She said $93 is the lowest they can go I then explained I cannot afford that. She then told me that we they will take me to court. Then explained again I can pay a lower payment you can take it automatically from my account she then said OK we can set that up. I asked why she didn't tell me that is an option, she said I cannot offer that to you. I became upset by this news and asked why were they going to take me to court when I can pay a lesser payment? She then became So upset that she put me on hold for five minutes. I then hung up and called back four times each time the customer agent hung up on me. I don't even get a chance to say hello. I got a litigation review letter in the mail I do not want to be taken to court. However I cannot afford the $93 a month. I am asking for lower payments and better customer service. And not to to shame meDesired Settlement: Accept lower payments and cease litigation review.

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 23, 2015. Please allow sufficient time for

postal delivery.

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].

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.

On 5 different occasions I made additional payments on my student loans and elected to have the payment go towards principal. Of all of these payments, all or some of the payment was applied to interest. When I questioned this the representative told me that this was due to a missed payment and the account being past due. My payments are auto drafted monthly and I made 12 consecutive payments, without missing one, prior to the first occurrence. Also, my account history clearly shows that there has not been a late payment on the account. The representative left me on hold for 30 minutes before telling me that a supervisor was not available. Then she told me that if these payments were corrected it would make the account past due and damage my credit score. My next course of action will be to consult an attorney.

I have never dealt with a more unprofessional, disrespectful, awful company in my life. When answering the phone they say "hey". That's it. No identifier and not even announce of professional phone etiquette. I did speak with one nice rep but was disconnect in the call. When I called back the last that answered the phone said "we all do the same thing but I can try to see if she's available." Then after brief hold I was told "good luck getting any assistance on your situation since it will have to go to manager approval and will probably be denied" WOW. Speechless. Terrible customer service. Something needs to be done immediately about this business. If I treated my patients how I was treated today I would be out of a job in 24 hours. Navient....ruining lives one day at a time. Horrendous business. Please shut them down!!

Review: Company had marked my account delinquent/past due despite my payment posting to the account 6 days before the due date and paying more then the minimum amount. Originally my issue was with how my extra funds were applied- they applied toward the next month's payment rather then toward the interest. I spoke to 4 representatives that all failed to help. The first person told me she "reset my payment counter" so this problem won't keep occurring. The second person said the first took care of everything. The third person was actually helpful and said the first messed up and instead of applying my extra funds to 1 of my 3 loans specifically which I requested, she divided the amount between the three loans. This person fixed my original problem. Then I realized the website and phone system were saying I owed a payment despite paying 6 days earlier. The fourth person I spoke to immediately said I had a payment due then heard my story then put me on hold then said everything is fine. Now the account is incorrectly showing delinquent- payment was due 12/14/14 for $120.34 when I paid $150 and it posted on 12/8/14.Desired Settlement: The incorrect delinquent status should be removed with no fees charged. Credit reporting needs updated for both the delinquent status (if data has been sent already) and for the past few months where I paid more then the minimum amount but the overpayment was applied as the next month rather then toward interest as requested.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 15, 2014 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: I have a student loan with this company (account [redacted] This loan was previously serviced directly through Sallie Mae and apparently the company split. Apparently after splitting, the expected monthly payment on towards the account nearly tripled without notification or explanation for the increase. I have communicated my concerns with Navient and even requested a lower payment, which they refused. My concern is their unwillingness to work with me will cause me problems with the credit bureaus. I do not believe it it ethical to increase the expected payment by so much without explanation or an offer to ease the burden. I believe this company needs to review their business practices. (Desired Settlement: I would like to be contacted by the company with an explanation of charges. Additionally I would like further consideration of the lower payment request in light of the circumstances.

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 email on March 5, 2015.

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 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: 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: 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: This company has called me, my wife and my three children multiple times look for someone who we do not know and is not related to us. I was assured they would stop calling, but the calls continue.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on September 18, 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: Since 2002, [redacted] decided to provide the borrower with almost unlimited forbearances on two loans that originated out of a culinary school in San Francisco. This cause the loan to capsize, exacerbating the loan from 17.5K to 65K over the period of a few years with capitalized interest, fees, and payments. [redacted] decided, without my permission, to provide the borrower with these loan extensions for over a ten year period making sure that the loan tripled. When the time came for payment of the capsized loan, they decided since they weren't able to get in touch with the borrower, it would be far easier to go after the co-signer and demand 90% of the loan amount OR they would charge off the debt and cause financial harm for seven years. They insisted that if I did not make the payment, I'd face legal action, wage garnishment, asset seizure, and other methods for them to attain their money for the FULL 65K. To ensure my compliance, they worked with me on the front end of securing the $50K, then behind my back charged off the debt and sent it to a collections agency they hired, then when confronted, they blamed it on a computer system and insisted that if only I pay them the 50K they would make all of that go away, basically extortion. [redacted] decided to provide me a Release of Obligation in exchange for a lesser amount, which I took, then I paid both loans to receive the release but [redacted] as not held up their part of the arrangement because they are upset about their own mistake by allowing it to go to [redacted] in the first place where I'd pay less, ($23,668.44). If [redacted] had dealt with me appropriately, I had $50K to send them to clear the debt but they had to go about it in a very backhanded way to ensure I was put in a very bad spot by tanking my credit and demanding 50K for "making it right" with my credit file. This was to ensure my compliance with the $50K, no question about it. They threatened that if I paid their agent, that they hired mind you, any money then they would see to it that the charge offs on both loans remained on my credit file for as long as possible without any corrections regardless of payment. Later, they tried to haggle with me regarding the second loan too with the same idea that if I only paid them 90% of what was owed, they would fix my credit file. All of this was quite avoidable had the company dealt with me in a fair manner but that isn't in the standard operating procedure manual at [redacted] as evidenced by the millions of people they have harmed.Desired Settlement: Based on the fact I've paid [redacted], your hired agent working on your behalf, the agreement stated that you would notify the credit agencies that I am no longer associated with the loans and my name would be removed from the notes. I now have two letters of RELEASE OF OBLIGATION which is the same as a WAIVER OF LIABILITY for both loans in the borrower's name. I'm requesting that [redacted] fulfill the obligation by removing my name from the loans AND removing negative information from the three credit agencies as you indicated you would do as a result of payment.

Additionally, I am requesting that [redacted], third parties, collection agencies do not contact me regarding future payment of anything remaining on these two 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 October 28, 2014. Please allow sufficient time for postal delivery.

Review: There was a payment mad on my behalf for $50 in November of 2014 that still has not been credited to my account. I have called Navient weekly regarding this and every week they say that this will be taken care of by the end of the week which has not been done. I was speaking with a Supervisor by the name of [redacted] that had told me that she would make sure this was taken care of since they credited this payment to a different account instead of mine but again this has not been taken care of and calls to [redacted] are not returned and there is not any other way to reach her. I have called Navient multiple times trying to speak with someone regarding this and instead of handling this they actually put me on hold for hours at a time without giving me any information pertaining to this. It is illegal to accept my money yet not apply this to my account. I dont know what else to do considering they do not care and will not take care of this matter. Again I have been dealing with this issue for three months and they will not do anything to resolve this issue.Desired Settlement: I just want the amount that was paid to be applied to my account. It is unsettling that they would accept this payment and apply it to a different account and just not try to resolve this issue. I am extremely unhappy and if I could afford to not have them service my loan I surely would.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on January 29, 2015. Please allow sufficient time for postal delivery.