Navient

Review: In early 2000s, I took out a student loan and attended National College of Business in Danville, KY. I graduated and began making payments on my student loans. In 2012, my husband and I decided to use our tax refund to pay off my student loans. We sent them a check for $3,000 because to our knowledge, that was all that was owed. We did not receive any other papers stating that we owed anything else. In March of 2015, my husband and I took out a loan for cattle. The loan company of course did a credit check on both of us. There was nothing on my credit check that I had any outstanding loans or anything from this company. In June of this year, I started receiving mail from this company stating that I still owed them around $5,000 for my student loans. When I called them, I told them that I didn't owe them anything. That nothing had shown on my credit report three months before. I was told that the lump sum payment in 2012 brought me up till June 2015 and that it wasn't on my credit report because I wasn't late on any payments. This sounds very fishy to me. We still owe on our house and haven't been late on any payments. But our home loan still showed up on my credit report. I don't believe that I owe them anything.Desired Settlement: I just want a letter from this company stating that I owe them nothing. I want my credit report cleared of this. I don't ever want to hear anything from them ever again and I want them to stop sending letters to my mother trying to get me to contact them and make payments on a loan I don't believe that I owe.

Business

Response:

Thank you for

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

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

Postal Service on July 14, 2015. Please allow sufficient time for postal delivery.

Review: I work at UNC hospitals in Chapel hill NC, we had an employee that used to work here but is no longer employed. I have tried many times to explain to the Navient customer service to stop the automated calls but nothing worksDesired Settlement: I want the automated calls to stop. The person they want no longe r works here.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on February 10, 2015 and resolved the issue with the customer.

Review: I entered into an agreement that after 9 payments my student loan would be taken out of default and my payment history would be changed to reflect no past due payments. I have made 11 payments and [redacted] is enjoying the fact that I can not purchase a home because they REFUSE to report and repair the POOR AND INCORRECT reporings to the credit bureau. I have filed two complaints with the credit bureau to give [redacted] an opportunity to make it right. But to NO avail. Disputes seem to be fun for [redacted].Desired Settlement: REPAIR AND RESPOND PROFESSIONALLY AND HONOR YOUR PROMISE OF THE CONTRACT I SIGNED AND CORRECT YOUR REPORTING TO MY CREDIT

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.

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: I have a private loan and federal loans with Navient. The federal loans are in forbearance, but my private loan has become a nightmare that I cannot wake up from this nightmare.

I am so angry with the service I have received at Navient. Over the last few months, I have continued to receive eight calls per day, seven days a week from 9 am until 8 pm. The calls come from VA [redacted], telling me that my account is past due.

They harass me every day, I explained that I graduated from college in December 2014, currently unemployed and receive a monthly pension from the VA that pays for my mortgage, water, gas, electric, car insurance, home alarm, and internet.

I was transferred to get the private loan deferred, after disclosing my personal financial information and explained that I can make a payment of $50.00 per month. She said "You are not accepted for rate reduction, and you can do with less to make the whole payment. Her comments so hurt me, I am so tired of these people, I’m trying to do the right thing however Navient is not willing to help. I have talked to them so many times, and they refuse to help! All this continuous calling has affected my PTSD and make me just want to commit suicide, there needs to be a limit on how many times they call per day, but I guess no one cares about this human being.Desired Settlement: I'm willing to set-up automatic payment of $50.00 per month.

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 1, 2015. Please allow sufficient time for postal

delivery.

Review: My student loan with Navient was overpaid by $1,126.09 in October 2014, and I never received a check from Navient with the overpayment.

I spoke with representatives at Navient on approximately 5-6 occasions between November and January to locate the check with the additional amount due to me. Each time I was told that the check would be arriving soon. On one occasion, Navient claimed they would cancel the check that supposedly was sent and re-issue me another one. On January 28, 2015, I received a letter that said the check was sent to me on November 21, 2014 and already cashed on January 14, 2015. However, I never received the check and never cashed the check, and on a subsequent call with Navient on January 28, 2015, the company informed me that they could not send me another check and refused to return the overpayment. Navient refused to tell me where the check was cashed and who cashed the check. I have yet to receive the overpayment from this company. The amount in question was under my name and associated with my account at Navient, and Navient is legally obligated to return that money to me. They have offered no options for returning the money and consider the case closed.Desired Settlement: Navient legally owes me this sum of money that was in my name under my account. If they did indeed find out that the check was cashed, they must find out who cashed it, where it was cashed, and confirm that I did not receive the money. Then another check should be issued to me for the money that is legally mine.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on February 5, 2015 and resolved the issue with the customer.

Review: Navient has submitted a different monthly amount than they bill me for to the credit bureua. I called 8 days ago to get a document explaining the descendent to give our mortgage underwriter and was told it would be in my email in 3 to 5 days. I called back 7 days ago and was told the same thing. I called 4 days ago and was told I would receive the document immediately. My lender AND I spoke to them 3 days ago and we were promised we would receive all documentation with in 24 to 48 hours. NOTHING has been received. Our underwriting process has been on hold for a mortgage we should have closed on by now. Navient is the most fraudulent, careless, and unethical corporation I have EVER dealt with.Desired Settlement: Navient provides a letter explaining the discrepancy with what they have sent to the credit bureau verses the amount deducted from our account for loan payments and how that money is allocated.

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 25, 2014. Please allow sufficient time for postal delivery.

Review: Navient has continued to draw money from an old bank account of mine set up through Sidney Federal Credit Union,that I no longer use. I have had to pay over $100.00 in over draft fees due to this issue. I spoke to Navient over the phone back in October after I first discovered that they were still withdrawing money from my old bank account. I set up for Navient to direct deposit from my current bank account with Community bank. Navient continued to draw money from the old bank account even after I spoke to them on the phone and made it clear that my old bank account was not used and that I had set up through their web site a direct deposit to come out of my community bank account that I now use.Desired Settlement: DesiredSettlementID: Refund

I would like to be refunded the money that Navient cost me in over draft fees with my old bank.

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 6, 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: Navient has failed to meet the demands to provide a loan amortization schedule which shows how my loan is serviced. They have also failed to provide documentation on taking over the servicing of my loan from Sallie Mae. There is no verbiage in my master promissory note that explains the validity of the sale of my loan servicing from Sallie Mae to Navient. Based on these two facts, Navient is acting as a shell company for Sallie Mae and not as a federal loan servicer. Their communication platform is incomplete and not to industry standards as well.Desired Settlement: Based on these facts, I am requesting that Navient dismiss my loan.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on February 5, 2015. Please allow sufficient time for postal delivery.

Review: Yesterday (1/26/2015), I spoke with a representative from the company [redacted]) to resolve an outstanding loan balance. After reviewing my options a payment plan was agreed upon and a payment for $160.07 was processed out of my checking account to enroll my account into the payment program. Today (1/27/2015) Ms. [redacted] called me back to inform me that I had not been enrolled in the program and would not be enrolled in it unless financial information from my father was provided to the company. However, our conversation prior,I disclosed that my father would not be a party able to make payments to the account and she informed me that the financial information provided by myself was all that was necessary to resolve my account. I believe Ms. [redacted] used false pretenses to negotiate a payment knowing that more information would be required to enroll in the program. Unfortunately, none of this information was disclosed prior to accepting a payment on the account. I am unhappy with the nature of business conducted and the false information provided to resolve the account. I spoke with her supervisor ([redacted]) today who also stated that the program and legally binding information already confirmed with the company would not enroll my account in to the program without financial information from my father. I believe this to be unethical, specifically because the policy and legal obligation to the program was already agreed upon prior to the payment being deducted from my checking account and today's conversation.Desired Settlement: To enroll in the program and cease harassing phone calls from the company to collect a debt.

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: My Sallie Mae loans were turned over to Navient. They are currently in default because I cannot afford the payments (which are reflected in my current financial statement on file with Navient). 2 of my loans have a cosigner that I no longer speak with since my mother's death, unless there is an absolute emergency. While trying to figure out options in December to try to save the account from being charged off, I was told forebearance was NOT an option anymore. I just looked at my account, and apparently this option WAS offered to my cosigner on those 2 loans bringing them back to current status! No one seems to be on the same page because the person who calls my cosigner tells him one thing, then someone else calls me and tells me something completely different. While taking my most recent financial statement, I felt as if I was belittled when the Navient representative would ask why my car payment was this amount and what not, I already suffer from anxiety and depression and do not need a stranger asking person questions. That's really not their business. I'm pretty sure more than half of my current balance is interest, because I had to put myself through college because my parents could not afford it, and now, just like many other people, I'm stuck in the the student debt world with no way out because I do not make enough money to afford life and student loans. My federal loans are more than geneous and defer them WITHOUT charging a fee due to income problems - not Navient!Desired Settlement: Offer the same forebearance as was offered to my cosigner. Reduce the almost 10% interest rate on these loans!

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on January 30, 2015 and resolved the issue with the customer.

Review: Multiple attempts to speak with a private loan representative. Long hold times which were longer than the estimates. Some calls resulted in hangups. When I did reach someone the rep was always a public federal loan rep who could not help me. I told one rep about the issue and they provided me with a domestic number that had shorter wait times [redacted]. That number was a fax line. I started calling at 9:15 Eastern time on 12/29/14. Right now it is 11:23 and I am waiting on hold.

I just want to determine how to pay an amount larger than my monthly automatic payment such that it does not pay for the monthly amounts into the future. I want the large payment to go toward principal. The older SallieMae site had this itemized for me so I didn't have to call.Desired Settlement: At least if you will have long wait times allow for the call to end at the right person. If I am transferred to another department it should go to that department. Wait time estimates should be more accurate. There should be a way of transferring directly to someone else rather than getting thrown into another queue. This issue might get resolved today but my complaint about the long wait times and unresolved questions still stands.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 29, 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: [redacted] made an offer to me to bring my student loan current if I make three payments on time for three months. I agreed make the first payment for 75.75 this amount was removed from my bank as agreed, with the amount of 99.00 to be deducted monthly. [redacted] has ignored this agreement and continuous to harass me daily, they have called my mother and asked her for payment. I’m disabled and doing the best I can do please help.Desired Settlement: I want [redacted] to honor thier word and stop calling me everyday all day

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, 2014. Please allow sufficient time for postal delivery.

Review: I was sent a document regarding a refund of money if I made a particular number of consecutive payments (12 months) and never received that refund. I talked with a customer rep on the phone several weeks back and was promised documentation regarding said refund. The lady made statements regarding how they had already refunded the money and asked me to look in my account. Instead of agreeing she seemed pretty adamant that I was wrong and unable to access the simple account. I did so and there was no refund on said date for which she stated. I've found [redacted] customer service incredibly difficult to discuss issues with. They are rather unprofessional, lack empathy and show little interest in resolving issues in a timely manner. I was also sent a document regarding how my loans had been purchased by another company (XYZ company). It's funny how banks can sell and manipulate debt on their accounting forms. The lady told me I would not have to use multiple websites to visit my payment center but as I presumed her words were minced with lies. As a customer who pays his bills on time or often ahead of time I'm incredibly disappointed in [redacted] for their advertising and their presumption that people won't put up a fight or disregard documents they proceed to send to their customers. If I ever pursue further education I would never use [redacted] again and will be happy to tell people my experiences with said company.Desired Settlement: My objective is to get the refund I was promised in the document in my possession and the ability to access my accounts in a simple manner without all the nonsense that an institution of [redacted]'s size requires of it's customers and the structure of their business. I understand that said business sells off loans and manipulates the market but I don't expect to have to go out of my way to make more work for the customer to pay his bills.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on October 20, 2014. Please allow sufficient time for postal delivery.

Review: There have been several occasions when this company, formally [redacted], has disputed my account payments. I have always paid more than amount due and before due date. They have not been forthcoming with certain information or have misled me with information.Desired Settlement: I would like this company's business practices investigated and would like no further problems concerning my loans. When I am told my three different representatives that my payments will be allocated for all loans then that is what should be done. Not harassing me about delinquent payments when I have paid more than the amount due.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on November 13, 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 started receiving late bills from Navient even though I was paying $88.00 a month. This money was being automatically withdrawn with my authorization. In October 2014 I called back Navient to find out why I was receiving late notices. While I was on the phone with them the customer service person explained what was happening and we changed my payment to $90.76 and cancelled the $88.00 withdrawal. The next month the $90.76 came out like it was suppose to and then a week later the $88.00 came out again. I called to fix this problem in November and to have my money returned to me ($88.00). While I was on the phone with them I asked again to please cancel my $88.00 payment and to make sure that the $90.76 was still set up. The customer service agent obliged. I've spent hours and days on the phone with these people. Come December the $88.00 is taken out of my account again. This time I called and demanded my $88.00 back again. I never received it. I had to call again in January to get my $88.00 returned to me and to have make sure my ACH for $90.26 was still going to work. Well the Customer service agent told me it was fine and that they will send me back the 88.00 and make sure it was cancelled for future. The $ 90.26 was suppose to automatically come out of my account in January and it never did. I called today 1/20/15 and was told that there wasn't a payment set up for $90.26 but the $88.00 was drafted from my account on 1/7/15, so apparently they are still trying to take the $88.00 payment. Luckily I put a stop payment on that ACH so they weren't able to take that money again. As I was on the phone with these people she told me there was a bad connection and hung up on me . This is not the first time I've been hung up on. Not one person can execute my request successfully and they keep trying to steal from me.Desired Settlement: I would like to see Navient put out of business or train there personnel better. Their business practices are poor. I have never had an experience like this in my life. All I'm trying to do is set up a payment so I can pay something towards my loan. This is atrocious. I personally would like to never have to deal with these people again.

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.

The absolute worst company ever, I really wish I could have had a say so in who took over my loans this has been a disaster ever since they took over. Their customer service reps have nasty attitudes and are lazy especially [redacted]. It's enough stress dealing with the high cost of an education then you have to deal with them who's system is never correct.

Review: I have been trying to get access to my account since 2012 to no avail. When I attepmt to login, I get this response, "Because of your current account status, we're unable to process your request online. Please call us at [redacted] so we can assist you." Every month I call and ask why can't I get access to my account, and I am tranferred from one person to another that speaks broken english and either gives me different answers or cannot answer at all. When they cannot answer they hang up on me. I have sent emails, faxes and letters asking that this be addressed in fairness to the expectation that I am to pay whatever Navient request, whenever Navient request it. I have also received emails telling me what to pay but no information on what I have paid or what I owe in total. Navient changes my payments every month so I never know what I am required to pay which makes it challenging for my budget. I have asked to speak with supervisors, and am told that there are no supervisors. Today after being placed on hold for some time, I was told that I would not be able to get access to my account any time in the near futue. I was also told today that my account balance changed because of some time sensitive notice that was placed on the website that I have not been able to get acces to since 2012. I asked to file a recipient rights complaint as I am entitled to know what my balance is, and how my payments are being applied, and why I am required to pay the amounts that I am paying. To date I have made payments on my account either monthly or bi-monthly (based on when I get paid) and have no idea what I am paying on or what my balance is according to Navient (Sallie Mae) records. I know what my original loans were, but have no idea what I owe at this point because I do not know how my payments are being applied.Desired Settlement: I would like to get web access to my account including all of the detail for the balance that I owe. That way I don't have speak with representatives that are not familiar with excellent service delivery standards. Thanks you so very much for any assistance that you can provide

Business

Response:

Thank you for

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

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

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

delivery.

Made two payments and not one them went through. Not my choice of being with this company. Originally loans were with Sallie Mae but then were switched over to this company. Not to mention they do not have the option to pay by any type of debit/credit card. Nor give you the option to pay off a loan in advance. If you do decide to do this, the payment is spread out over the months (to the original monthly payments they ask of you.) .

Review: On Friday October 16, 2015, I received an email stating that my first payment of $265. 92 is due on Sunday October 18. On Saturday October 17, I received another email stating that my loan terms have changed, and I now owe $278.94, again, due on Sunday October 18. I tried to log into my account on Saturday and got locked out. I tried to reset my password but for some reason my username was not accepted. If I were notified sooner of the due date of this payment, this issue could have been resolved and I could have paid the bill on time. However, Navient's loan servicing department chose to send me a bill on the Friday evening before a Sunday due date, although their offices are closed on weekends, so it is not possible to call to reset my log in information or find out why the bill was not sent to me in a timely manner. Due to the actions of Navient, my first loan payment will be late, and I am unable to view the changes in my loan terms.Desired Settlement: I would like to have the terms for my student loans mailed to my home address. Additionally, I do not believe that I should be responsible for any late penalty fees as I was not made aware of the Sunday Oct. 18 due date of my payment until Friday Oct. 16. In the future, I would like to be sent a bill two to three weeks before the date that a payment is due.

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 26, 2015. Please allow sufficient time for

postal delivery.

Review: I signed a loan agreement with Sallie Mae in June of 2012. The agreement through EIS collections stated that if I paid $1000.00 and made 3 payment of $115.00 and never missed a payment the interest on my loans would be 1% for the duration of the loans. EIS collections applied the program to the first loan but forgot to apply it to the second. So the new owner of the loans Navient has been charging me more interest than they should. I filed a complaint with you about this and they agreed to rectify the error. They have not done so and I need your help to hold them accountable to the contract as I have held up my end. Thank youDesired Settlement: They owe a credit to the principle of my loans in the amount of $795.04 and also $935.17 they say I still owe in back interest. Since this is the second time I am employing your help in this matter and they did not follow through on their promise to fix it I hope the Revdex.com follows up this time to make sure that they do. Thanks

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 17, 2015. Please allow sufficient time for postal

delivery.