Navient

Review: I am diligently paying back my federal student loans to the best of my ability. I have been overpaying my income based repayment plan. As a result, Navient, without notice, raised my monthly bill to the "normal" rate of repayment. Again, this occurred without notice. Not surprisingly, I wasn't able to cover the "normal" monthly payment. Since this has occurred I've called Navient around 6-7 times to resolve this issue. One of the main issues is that they have thus far refused to return my interest rate back to 6% down from 6.25% based on the agreement that I am on autopay. I am and have always been on autopay, but since Navient without notice, increased my monthly payment beyond what I could afford, they promptly retracted my 0.25% interest savings. Despite still being on auto pay and continuing to diligently pay my loans to the best of my ability Navient refuses to change my interest rate back to the 6%. They have assured my multiple times that it will be corrected, however, this still hasn't occurred after 3 months of me trying to resolve this issue.Desired Settlement: Navient should acknowledge this oversight and refund any overpaid interest. Also, as a person who is trying their best to pay back my student loans I don't appreciate being treated like a number and taken advantage of.

Business

Response:

Tell us why here...

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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 May 7, 2015. Please allow sufficient time for postal delivery.

Review: My loans are in deferment and have been since I have been enrolled in school and Navient continues to try to charge me late fees and says my payments are late. I have NEVER been late and in fact I pay extra towards my principal while I am in deferment, attending school at Columbia Southern University. The school has reported that I am in attendance and anticipated completion date is Aug of 2016 but Navient refuses to update my record and is being fraudulent in trying to steal my money while I am in school. My school has sent emails to me that Navient won't accept and the school even sent me proof that they reported me as enrolled in the National Student Loan Data System but Navient refuses to change my record to be accurate.Desired Settlement: I am to be listed as in deferment and my retroactive payments to be applied to my principal due since these are extra. They need to remove and notations of late payments and keep my loans in deferment until August 2016 ( anticipated completion date). I also would like a written apology and mailed log of how all of my payments have been properly applied since I have been in school, after they correct this error.

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 4, 2015. Please allow sufficient time for postal delivery.

Review: [redacted] has sent an old student loan to a creditor in which they will be deducting 15% from my pay check per pay. The information on the claim contained incorrect information as for my phone and address therefore, I was never given a fair chance to set up payment arrangements with a company I took out a loan with as a young teen. I am currently paying a [redacted] loan I took out many years ago as well, and was told there is nothing that can be done to assist me with this garnishment for an additional loan that was taken out with [redacted] many years ago. The services to receive assistance is horrible and I do not believe I have been given a fair chance to pay my depts. I was told there is nothing that can be done to assist me from the customer service rep. My income was never evaluated and its very unfair to treat people this way. I was told I can only lower if I have public assistance which I can not get because they say I make too much. Please help.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like to be given a fair chance to set up payment arrangements due to no fault of my own 15% garnishment is very harsh for me concidering I do not make much and have numerous bills to pay. I would like to speak to someone for some real assistance. I do not disagree with oweing the money I would just like to decrease the percentage being taken out of my paycheck per month being I was never given this option.

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 26, 2014. Please allow sufficient time for postal delivery.

Review: Navient has taken over ownership of my student loans. My previous company has received my payment via auto-pay every month for the past year. They have also sent me proof of payment receipt to my physical mail every single month. Navient recently took over ownership of my loan and never contacted me to let me know they were my new payment destination, how much my payments would be, where to send them, etc. I received a letter in the mail from them stating my account was past due and there would be fees associated as well as threatening to turn me into a credit bureau. Upon speaking with a Navient representative he informed me they had the wrong mailing address on file, but did have my phone number. Not once did they reach out via phone to contact me regarding my account and their new involvement with it, and furthermore, if they can send me a delinquent notice to my correct address they can certainly have notified me sooner of their new ownership of my loan. I alledge that they had my address and phone number and did not contact me in order to secure higher fees, such as late payment fees, at my expense.Desired Settlement: I would like the credit bureau they report to correctly notified that late payment was not a direct result of my inaction but rather of their inadequate client notification process. Also, I would like any and all late fee's associated with my account removed and a letter stating so, along with my current balance correctly updated sent to me at my home address.

Business

Response:

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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.

Review: Navient Solutions (formerly Sallie Mae) locked me out of the online payment system because they claimed I sent Sallie Mae a letter requesting that they not contact me by phone in 2006. The no phone contact has nothing to do with the ability to pay my loans. I have received no correspondence by mail, email, or otherwise stating that I will be unable to make online payments on my account even though I have been making monthly payments online for the past 9 years. I believe this is an attempt by Navient to place my loan in default because I have been making more than the required monthly payments on the account in order to pay it off sooner.Desired Settlement: Unlock my online account so I can continue making my monthly payments.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on April 10, 2015 and resolved the

issue with the customer.

Review: I am very glad to know that a place exists for me to finally submit a complaint about [redacted].

My issues with [redacted] began in 2009, when the economy left me unemployed and I was expected to begin repaying my loans. At this time, I had not finished school, due to its considerable expense, and was doing my best to find work.

After expressing to [redacted] that I was unemployed and unable to afford any payment, they began harassing me day and night, and on holidays. So I provided proof that they required, but that didn’t stop the calls. I applied for Forbearances and was approved after I paid the fees, but still they harassed. My cheap prepaid phone did not allow me to block these calls, so I requested a Cease & Desist status to be applied to my account. I knew this was in my legal right to do so, as I had spoken with a lawyer. I was unable to submit the required form because [redacted] refused to send it to me, so I wrote a letter and called Customer Service, asking for the status. I was assured my efforts were accepted but it did not stop the automated calls.

From that point on, whenever I called in to update my financial information, make payments or change my information, the [redacted] employee would tell me they were not permitted to speak with me, due to the Cease & Desist. I would request forms by mail or phone calls for information, but they would never be granted. My loans nearly defaulted in this time because they refused to communicate. I sent certified letters to have it removed, but they had no effect. I called to have it removed, but nothing happened. This went on for about 2 years.

When I was finally able to make payments, I would request information on how the payments were being applied, but they refused to tell me. In 2011, [redacted] took a double payment, leaving my bank account in the negative weeks before my next paycheck. I called and demanded they return the money, but they refused. Luckily, my bank was understanding and returned the money without charging me any fees. They were familiar with the way [redacted] does business and took pity on me.

As I got increasingly tired of the run around, I began to educate myself on the terms of my loan, what student loan customer service should look like and my options for repayment. I found out I had been making interest only payments for years, causing my debt to actually increase. I cannot express how depressed and angry it made me to find out that giving [redacted] every spare cent I had got me further into debt. Of the $400 I was paying each month, less than $15 had been going to principal.

One of the many anti-[redacted] websites I came across told me I could ask for an interest rate reduction. This sounded wonderful to me, as one of the loans was charging me over 13%. I was approved for the Rate Reduction program for a year, bringing all private loans down to 1%. As I had steady work and was about to graduate from college, I knew I would be able to make the payments, even though they were a 1/3 of my income. My Federal loans were approved for the Income Based Repayment plan, and my payments were $0.00. This also required many weeks of phone calls to accomplish.

During this time, I checked my online account and saw their request that I sign up for Automatic Debit, for which I would receive a further reduction of .25%. I applied, for both my Federal and Private loans, and was approved via letter. I noticed the reduction was never added and called back in several times but to no avail. After this ordeal, it was finally approved for my Federal loans, but still not my Private loans in the Rate Reduction program. Each time I called [redacted] to have my account updated, I was given a different excuse. Once I was told the amount had to be drafted from my checking account to qualify, so I changed my payment information. [redacted] charged my account incorrectly, which resulted in more bank fees. It took months to get them reimbursed. Another employee told me it had to be from my debit card, so I changed the payment again. Still no reduction.

I began calling in regularly and received even more excuses. I was finally told that my paperwork had never been fully processed (despite receiving the approval in writing) and that I had to start over. So I accepted the terms again over the phone and waited. Still no change. I called back a few weeks later on my lunch break, and spent the entire hour on the phone. I was told the Auto Debit program requires the exact amount due to be drafted from my checking account on the due date, which I then attempted to set up. I was transferred 7 times, told they were not allowed to help me because of the Cease & Desist. I was told to keep waiting and the changes would take place, and eventually hung up on.

I logged into my account a few days later and saw that no changes had been made. Keep in mind that at this point, it had been 9 months since I was approved. I called Customer Service and immediately requested a supervisor. She informed me the changes won’t take effect until the next month, and the interest rate reduction won’t show up until I make 6 months of payments. My account changes are still being processed because of the Cease & Desist and there is nothing else to be done.

I do not understand how it can take them 9 months to update their own system to offer their “valued customer” the benefits of a service they asked me to sign up for in the first place.

This is without a doubt the worth customer service I have experienced anywhere. I have 3 other student loan lenders, so I know it does not have to be this way. It did not matter if I was on the verge of Default or caught up and in good standing; I was treated equally badly. Nothing I do has any impact of them and I am tired of this. All I want is reasonable to terms to pay back my debt, but that seems to be too much for [redacted] to handle. Creating Navient has done nothing, as it is still the same corrupt, greedy company using the same poorly trained employees to extract every cent from me they can. My quality of life has been severely damaged by [redacted], in addition to any future I hoped to have.

I can provide proof of this entire saga, as I have kept detailed noted from every call and have copies of all letters I have sent. It is fortunate that I have this information, as no one at [redacted] can ever find it in my file. I attempted to file complaints over the phone, but those were lost as well. They always promise that my account will be updated and the new information added, but it never happens. Each representative I speak to tells me something completely different. How can such a large company get by with such poor training and customer service? I’d really like to know.Desired Settlement: I believe as a customer, I am entitled to a basic level customer service. I have never gotten that and I refuse to continue to be treated so poorly and have my finances run into the ground. I would like to have my account kept updated, and when they offer me a program and I am accepted, I would like it to actually be applied to my account. Maybe some kind of banner on the top of my account page saying "She's recording this call, so make sure you don't lie to her, or give her the run around. Save yourself some time and transfer her to a supervisor."

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.

Consumer

Response:

Review: My son has a loan with Sallie Mae and contacts them every month because he not working to inform them he does not have a job and can't pay. Nevertheless, Sallie Mae continues to call me since he lists my name as a reference. I am not a co-signer on that loan and I too told them my son has been in touch with them as I have been on the phone with him every month when he calls them. Sallie Mae not only calls me on my work number, but all of his references. They too have told Sallie Mae not to call them because they have nothing to do with his loan. When they called me this week, I told them I would contact the Revdex.com for harassment.Desired Settlement: IT needs to stop. We, as references, can't do anything. We ARE NOT CO SIGNERS. They need to stop calling our jobs and homes.

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 2, 2015. Please allow sufficient time for postal

delivery.

Review: I am an employee of [redacted] Corporation, and my professional work number is [redacted]. I have been repeatedly harassed at my work number by a number of Navient employees claiming to collect on behalf of a "[redacted]." I have repeatedly responded and called back stating that there is no employee by that name at MY work number. Further, there is no reason why (with my voicemail CLEARLY stating my name as "[redacted]") that I should know someone's else's personal financial information. Do NOT call me at my work number again. I have contacted HR about this issue as well to have this number blocked. Your collections practices and behavior are further a direct violation of the FDCPA - Fair Debt Collections Practices Act. You will be reported. I am not [redacted], and do not further pursue contact with the number [redacted]. There is no person by the name requested at this number. Again, Navient has left me a plethora of voicemails and harassing phone calls, despite that I have now for the sixth time told your company that no individual by that name exists at my work number or my department, nor is it MY responsibility to seek this person out for you. If you have a problem or inquiry, I suggest you start with [redacted]'s HR number. What you are doing is gravely inappropriate and disrespectful, as well as a violation of business ethics, professionalism, and a federal law.Desired Settlement: Do not call my work number. You have the wrong individual. Remove my number from your system effective immediately.

Business

Response:

Thank you for

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

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

Postal Service on June 17, 2015. Please allow sufficient time for postal

delivery.

Review: I have several student loans for two daughters. On one loan, 173 is being taken out of my account monthly. I am a teacher that is on probationary status. Did not know if I was going back to work this fall. I did not work over the summer. In the past, I paid $50 on these loans through a program that was supposed to help me get back on track. After Sallie Mae changed to Navient, I don't believe they have all of the information. Navient send me a letter threatning on a litigation review. I called on 8/17/2015 to try and work it out telling them I was not able to pay all the amount but I was willing to pay what I could until I could pay more. The representative was very rude and did not try to work with me at all. He said that I needed to pay $152 a month and I told him all I could pay was $`100. When I couldn't work with him, I asked to speak to someone else who was the manager. She was worse. She insisted on me having to pay $153 a month. MY question is How can you work with them if they insist on paying an amount more than you can afford. She hung up in my face. Is this the service that you call working with people? I feel both of these representatives owe me an apology for being disrespectful. If this is the way Navient treat people, it is going to be hard to resolve this. How can I work with them?Desired Settlement: First this kind of service in unacceptable. I would like an apology especially from the Manager. Second of all, I need to work with someone who is able to work with me through this hardship. I am willing to pay $100 but with having to pay that other loan, it is very steep with my budget. I am single with no help. Thank You

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 27, 2015. Please allow sufficient time for postal delivery.

Review: Frustrated and disappointed! On 10/29/14, I received a letter stating that my loans were being taken over by Navient. I was assured that that there would not be any changes to the treatment of my loans. In early 11/14, I received a letter from Navient stating that I was past due. Which was bizarre, as I was on a deferment and I had not received any bills. I contacted Navient, and requested a deferment as my finances are very strained. The representative told me that I was approved for a 12 month deferment and requested that I fax supportive documentation. Which I did on 11/10/14. Then in 1/15, I received yet another past due bill. I called Navient, and was told that I was denied the deferment. But I did not receive any notification of this. I then requested a hardship deferment that was income based. I was once again approved over the phone, and told that the hardship deferment paperwork would be mailed to me. I did not receive it. On 3/9/15, I called Navient to follow-up. I was told once again that I was not approved for the hardship deferment as my income exceeded the limit. I was told that I could start making payments over 200.00 for 12 months, and that it would increase to over 400.00 a month. This is unrealistic. I am struggling financially. I can not afford to pay 100.00 a month on my income, much less 400.00. So I sent a complaint letter to the advocate center with Navient on 3/9/15. On 3/10/15 I received an email from [redacted] with the Navient Customer Advocate center. It stated that she received my email and would respond as soon as she has an answer about my account. I called her and emailed her to follow up the next week. No response. I emailed the advocate center again today on 3/24/15. No response. Yet I continue to be harassed my phone calls from Navient billing collectors. Today I was called 8 times! I continue to receive bills and threats almost daily. Yesterday, I received a notice that I am 60 days past due, owe 1190.33 and am close to default. I am at a loss.Desired Settlement: I would like to 1. Receive a hardship deferment that I was told in 1/15 that I am approved for. 2. For my past due balance to be included in the deferment. 3. For any late fees to be removed. 4. For any late payment reports to credit agency from Navient, to be altered so that this does not effect my credit. 5. For the collection calls to cease immediately. 6. For the multiple collection bills to cease. 7. For all correspondence to be through mail only.

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 26, 2015. Please allow sufficient time for postal

delivery.

Review: Navient (formerly Sallie Mae) does not make it very possible to make payments towards one's principal only on one's student loans, and they give incorrect and deceptive information about how to direct one's payments toward principal only, and they do not honor their own policy.Per their website, they say if you make a payment over and above the payment due (which I have been doing) and if your account is current (which it has been) that:"When you pay more than your minimum payment, the extra funds will be applied to your balance. If the extra funds are less than the amount of your next month's payment, your next payment will not be reduced and will be due as usual (Last month I made and additional payment of less than the next full payment and yet they reduced my next full payment by that amount). If the extra funds are equal to or more than the amount of your next month's payment, we will advance your payment due date by the number of full payments that are covered by the extra funds. For example, if the extra funds are equal to four additional monthly payments, you would not have another payment due for four months.You have the option to instruct us to not advance your due date (I sent in an extra payment last month, with instructions on a separate piece of paper that they were to apply the extra payment to principal and they were not to advance my next payment, but they applied a portion of it to current interest)...If you are paying by paper check, you can instruct us to not advance your payment due date by clearly writing your instructions on a separate piece of paper included with your check (Which I did and they didn't). If you make a payment online at Navient.com, you will choose at that time whether you want any extra funds to apply toward future payments and, if applicable, advance your payment due date (there is NO PROVISION for doing this online, despite what they say).

Product_Or_Service: Student Loan

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want Navient to do what it says. When I send in an extra $50 or $100 or $500 dollars and tell them tp put it to my principal, if my account is current, I want them to follow my instructions, as they say that they are going to.And I want them to include a place in online payments where you can choose how any overpayment is allocated, which they say they do but they don't.And I want my previous overpayments allocated to principal, not interest.

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 26, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

I am currently on the rate reduction program through Navient, which was transferred from Sallie Mae when Navient took over their student loans. I have recurring monthly payments that get taken out of my checking account. Bank statements show the payments however, every statement from Navient shows nothing. I noticed this right away and called customer service (noting the long wait times shared by Sallie Mae's service) and after a long confusing discussion about how it's normal that my payments aren't showing up in the system, that there's nothing to fix and no need to worry.

Apparently, it takes three months to "prove yourself" in the rate reduction program and then your statements will reflect your payments, which had also been showing late fees. 3 months passed and my statements did not show payments. I thought I had proved myself.

January 26th, I received a PDF from Navient that said, "Your Delinquency May Be Reported to the Consumer Reporting Agencies" and went on to show a total of $0 that I owed them to make my account current. So I paid them their $0 and proceeded with my day.

I called a total of 5 times. The first three told me the same deal as before, just keep paying and everything will be ok. The fourth (I called on February 16th) says that it's a problem and that she will take care of it, but call back in a week to make sure everything's processed. I called the fifth on February 23rd (today) and told my story again. She said that it looked like it was cleaned up and that I'm all current again. I asked again about the letter I'd received about Navient reporting the delinquencies to Credit Agencies. She told me that they actually had been reporting them since September!

I've been assured that they're sending a letter to the their Consumer Reporting Agency to adjust the mistakes. I was told that it takes about 90 days to process, but to just keep checking on my credit. I asked for documentation so that I know it was done, and they can't do that. They can't send emails outside of their Company. Can I get a letter? No.

I don't really know what to say. Where do you go with this? Sallie Mae was bad when you didn't make your huge monthly loan payments, but Navient makes it even more challenging when you're trying hard to pay them. When they've made an error, why can't I receive documentation of it so I can protect myself?

At the end of December 2014 I made an extra payment on my student loan that was not credited. I emailed to inquire about the payment in mid-January 2015, but never received a response. I spoke with a customer service rep at the end of January who asked me to submit a "billing statement." I asked her what she meant by that and she was unable to answer, so I asked to speak with a supervisor. She told me to upload a bank statement to the website showing the payment was debited from my bank account. I did so the next day, and received an autoreply email stating that my account would be updated within ten business days.

Ten business days have passed, and that payment has still not been credited. I emailed them again today asking for the payment to be credited immediately and stated I would call on the next business day to confirm that it would be credited.

This error has caused false interest to accrue on my loan and caused errors on my 1098-E form. I cannot file taxes until it is fixed. I've told Navient that I will contact state and federal consumer protection agencies if the payment is not credited and the false interest and 1098-E corrected by mid-March 2015. I've also given them notice that I will file suit and seek damages for my time and effort if the payment is not credited by mid-April 2015. I refuse to let this company steal from me.

Review: I first obtained a private student loan with Sallie Mae. Recently, Navient took over my private student loan and in the letters that I received they stated that there would be no changes and that I could log into the site as I normally would to see anything about my account. I received a letter in the mail stating that I was past due on a payment but I was under the assumption that while I was in school my loan was in deferment. The original terms of the loan that I signed and agreed to were that payment would be deferred as long as I was at least half time in school. I have never dropped below half time status. When I called and spoke to a representative at Navient she said that there was mishap in the system and that they didn't know I was still in school. She asked me a few questions and assured me that the situation was handled. For about 3 weeks now I have been receiving phone calls from Navient stating that I am delinquent on payment from November and December because I had deferred my student loan for 48 months and that was all I was allowed through Navient. How could they make changes to an existing agreement without my knowledge?Desired Settlement: I want the original terms of my agreement to be acknowledged. I would like my private loan to continue to be deferred while I am in school, those were the terms that I agree to with Sallie Mae. I will begin repaying all of my loans six months after my graduation. I am still in school and will be graduating Next August. If these terms can not be met then Navient is in breach of contract and I should not have to repay the loan. I will not accept any other settlement than this.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on January 21, 2015. Please allow sufficient time for postal delivery.

Review: I was inaccurately reported to the credit reporting bureaus for being 2 months late when the loans are directly withdrawn from my checking account. Navient failed to place all of the loans on this direct withdrawal and never contacted me by phone or email to report a problem. This all occurred during the transition of loans from Sallie Mae to Navient. I have never paid any of my student loans late and have paid the interest on the loans even while my daughter was in college. When I tried to call and discuss this situation with their customer service department I get nothing but a form letter stating they reported the information correctly to the credit reporting bureaus. I am suffering the negative reporting with a low credit rating. I cannot get a decent car loan because of this issue.Desired Settlement: Remove the negative reporting from 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 February 25, 2015. Please allow sufficient time for postal delivery.

Review: I have student loans with Navient. When I applied for the loans I was given the option to either defer payments while in school or to pay towards the interest. For two of my loans I chose to pay towards my interest and so I have been since I got the loan. However, I had talked to a representative at the loan company before I chose to do this. I specifically asked her if I would be able to call back and change the loans into complete deferment if I ever needed to and she assured me I could. I called tonight (several years later) to do this and both the representative I spoke to and the supervisor, [redacted], told me I could not. The supervisor apologized and said that it must've been human error. I asked him if the company would stand behind their employees and any misinformation they provide and he said it was human error and he wouldn't do anything. This is completely unacceptable that this company won't stand behind the information that their employees are providing customers. There is no point to have representatives if they may or may not provide accurate information and if the company's training is obviously inadequate so that important information is not being relayed correctly. I am trying to increase the amount of money I have per month for medical expenses and I am not able to because this company doesn't honor the information that their under-trained employees are incorrectly providing.Desired Settlement: I would like to change both of these Navient private student loans to be in complete in-school deferment without monthly interest payments as the representative from this company told me was possible at the time that I agreed to these 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 13, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: Navient is the absolute worst company I have ever dealt with in my life. I chose Sallie Mae as my Student Loan provider back in 2008, NOT Navient. I was not made aware of Sallie Mae's division to Navient and that my loans were transferred to Navient until they decided to report it on my credit in May when I was "90 days passed due." They never once called, emailed, or mailed me any correspondence to notify me of my status of my loans. The ONLY time I was ever contact was by a collection agency in June 2015 stating they represent Navient and wanted all of my personal info to include my Social Security Number and Debit Card info. No one in there right mind is going to give this information over the phone to someone that they don't know and a company they have never heard of. I graduated in December 2014 and was under the impression my grace period (6 months) would begin then, apparently I had already used my grace period when I was placed in the hospital in 2012 and had to withdraw from school, unbeknownst to me. My credit dropped over 200 points because of Navient's improper credit reporting. I submitted a dispute against them and they denied it stating they were not removing anything from my credit report even though I submitted sufficient evidence to support my case against them. I was told I could submit everything again, but there was no point because they would just deny it again. I am the epitome of a perfect borrower, my credit was flawless up until this point. I want everyone and every student enrolling into college to not use this lender. I absolutely loved Sallie Mae and they were helpful in every situation and kept constant contact with me. I feel I should have been asked if I'd like to stay with SM or switch to Navient. I'm very disappointed in this, very.Desired Settlement: Business needs to correctly report my credit history with them to all 3 bureaus as current and NEVER passed due. I will continue to file complaints against this company and take further action until this is settled.

Thank you!

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 25, 2015. Please allow sufficient time for

postal delivery.

Review: Sent in a letter with a payment for them to quit harassing me and my co signer about a loan. I sent this letter back in March and within the letter I did express the level of overwhelm that I was receiving from the numerous phone calls. Within that letter in expressing how much they call. The statement was made that I felt like jumping off a bridge. This comment was a reference in how I was feeling at that time and moment. On today someone called me from a Delaware number of [redacted] I spoke with this gentleman at 12:45. he stated that they received my letter with payment he has nothing to do with the loan department but he wanted to make sure that I was ok...At 1:25 I received a call from my neighbor that the police and ambulance was at my home. Mind you I just spoke to this person. I spoke with the police. Informed him of the letter and when it was sent and that I had just received a call from someone and I would assume that this company was the one who called the police in reference to me jumping off a bridge. Hell the letter was over 30days ago. So if I would have jumped I would be dead now, and not able to respond to his call. I'd like to file another complaint on [redacted]. As she is the rep who took it upon herself to call the local authority and sent them out to my home, the police informed me of her name and she provided them with my address. Please see past complaint Ms.[redacted] is named in that complaint as well. In my opinion this is unethical and should have never happened. Navient needs to get another rep that respects her job and her client/customers. Working with a company such as this and on this level is very disturbing. I will be contacting a lawyer in reference to this stress and burden they have placed on me and the fact that they have made ruthless attempts to collect. Something needs to happen. They are not local and I did not threaten them. I only expressed the level of stress that they were putting on me within the letter and they took it upon themselves to contact the police 30 to 45days after the letter was sent. This is ludicrous.Desired Settlement: I'd like an Apology and I'd like it to come from the rep that made the phone call. I'd like to to be done in writing and as well as by phone call. I'd also like for them to release my co signer and to quit calling her job. They have been told and asked on several occasion stop. It is also in writing on the letter that states I feel like jumping off a bridge. all of this is within that correspondence.

[redacted] needs to get a life as well as learn to respect others. How would she feel if I located her and sent a police officer and ambulance to her job or resident. I'm sure she would be offended as well. I have had it with this company! Doing stuff like this 30 days later or 45 days later just doesn't make any since to 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 May 12, 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: Back in 2008 I withdrew from a class because the university had me overlapped with two classes by 15 minutes. I was told a refund check for about $3,000 was sent back to Sallie Mae from Lynn University. The loan I borrowed was for $26,800 and now that I have been paying my loan since 2012 guess what it's for $26,800, so it was never adjust and for the past 3 years I have been paying for a class I never took. Lynn University is looking into it but it's taking too long and it's not fair for me to pay interest on a $3000 class I never took. I don't understand why it's so hard to find a check. I opened my Lynn transcript and noticed the W for withdrawal and finally realized my loan never dropped from it's original amount.Desired Settlement: I simply want that money reimbursed/refunded, and hopefully interest will be reimbursed too.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on July 13, 2015 and resolved the

issue with the customer.

Review: When I graduated I had setup automatic payments for all of my loans. I had sufficient funds and they were never late. My co-signer filed for bankruptcy and Navient (formerly Sallie Mae) blocked my automatic payments and locked me out of the website. I received overdue notices because they weren't processing my automatic payments any longer. I called and paid my loans current and they told me that they would relay my problem to another department that would put me back on the website so I could setup automatic payments again. However, they did not do this, so when it came time to pay my loans again the next month I had to call in. I was told that my loans were past due. I said how could this be? I paid them current last month. There are three groups of loans that I pay on, so each month I owe three different payments to Navient. The person I was talking to said they applied one of those payments to the wrong loan, so it left the one delinquent. They said they would fix the problem and I would be current again. They still locked me out of the website so I couldn't see in real time what was going on. Anytime I wanted information it had to come in the mail and they would stagger the statements so it looked like I owed money again that month even though I already paid. The next month I call in again to pay my loans and sure enough they are delinquent again. They say that there has been a mistake and somebody has allocated one of the amounts to the wrong loan. This has been the same thing every single month. Since I cannot see where they are allocating the money because I have to call in my payment and the statements they send me in the mail are never current they are able to claim that my loans are delinquent each month and try to charge me late fees or threaten to send my information to a collection agency. I have watched my credit score slowing being lowered because of this company's actions. Since I was locked out of the website one of their employees suggested that I switch to email statements that way I can get the information I am seeking right away. I thought this was a good idea so I signed up for them. When my email statement showed up in my inbox and I opened it; it told me to view my statement I had to sign into the website. So, they didn't actually send me a statement. I had no idea what the status of my loans were.Desired Settlement: I want them to unlock me from the website. I need to have a current statement each month. I want to setup automatic payments for all of my loans.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on February 17, 2015, and we are working with the customer directly to resolve the issue.