Navient

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: 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: The authenticity of this company is being brought into question.

On their website they provide telephone number to contact customer service however when calling within the CORRECT business hours, there is a message of unavailability that their offices are closed. Also after being threatened with the Revdex.com, they finally sent me an email saying that I can send my questions directly to them. I have don so TWICE in the past 2 weeks with NO reply. The email address I was given to contact is: [redacted] Sallie Mae has recently sold their business to Navient and they cannot be contacted at any time. I have yet to speak to an actual LIVE PERSON despite my numerous times calling and emailing, and I need to know specifics about my loans, account, and payment options.Desired Settlement: 1. An apology for this unprofessional processes

2. A phone call! I am teaching English in Korea now so I would like them to call me at: [redacted]. An email with the answer to my previous questions and person of contact that will respond in an appropriate timeframe (1-2 days at the MOST)

4. A DIRECT number to an account representative that I can call and go over my loans with when I need to.

Basically the desired outcome is them to DO THEIR JOB

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 December 10, 2014.

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 was unemployed because the office I was working at ([redacted]-Abington, pa) closed. I was unemployed from 7/20/14 until 2/1/15. I just started a new job today 2/2/15 with bank of America.During the time I was unemployed, I spoke with several representatives from Navient explaining them my situation. I had no extra money to pay student loans, I did not even have enough to pay my regular bills. They offered me the option of forbearance. I tried to make the $150.00 payment twice but was unsuccessful. They told me if I called by the end of January 2014, I could pay $150.00 to prevent my loans from going into collections.I called back on 1/22/14 to pay $150 and was then informed that I needed to make a payment of $700.00 or pay a amount of $3000.00.That was not what I was told. I was unable to pay those amounts. I was never offered a option to have my loans put on a income based payment option. They only offered options that I was financially unable to meet.I would like this situation rectified and a chance to place my loans on a income based option.Desired Settlement: I would to know what are the options for individuals that are unemployed and for that to be implemented during the time frame I was unemployed. I would like my loans to be prevented from going into collections and a chance to place my loans on a income based option. I have a job now. My first full paycheck will be received on February 27th and I can start making reasonable payments at that time. I want to pay my bill and I want them to help me find the best option for my financial situation

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 11, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

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

Review: I'm trying to reach Navient over the phone about my loans and the status of them. I'm trying to be up front with the company and let them know I'm currently unemployed and trying to workout a forbearance agreement. I've tried countless times to get in contact with them. However the automated system doesnt have any options for this.Desired Settlement: I'm wanting to talk options with them about forbearance or modified payments.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on March 26, 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: NAVIENT STUDENT LOANS contacts me via telephone 6-10 times per day beginning at 7am until 10 pm.

They are attempting to collect a debt that they claim has been accruing since (as of today) September 2014. I know for a fact that the last payment made to them was this passed February 2015, however, when I sign in to my account on the navient website, the only payment shown is from November of 2014. I believe that they have erased my payment history and are trying to raise my interest rate by offering me limited choices on how to pay back my loans (forbearance, deferment) I have spoken to numerous agents in the company about my payment history and each time I speak to someone, another month has been taken off of my payment history. Somehow all the months I made payments in, are just not on file with them. And now I am receiving harassing phone calls about this issue.Desired Settlement: I DO NOT WISH TO BE CONTACTED ANY FURTHER BY NAVIENT STUDENT LOANS IN ANY FORM!

I refuse to pay any more money to the company because they haven't kept proper record of the payments I have in fact made, and my record of all payments made have mysteriously disappeared from their system and my own payment history on their website.

I feel I am being harassed and scammed into paying more money than I should.

This is an outstanding loan from the year 2011 that should have been paid off already because I was making double the monthly payments necessary to pay it off faster.

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:

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 made a payment to Navient on Monday (11/23). At about 8 am the next morning I get a phone call from Navient about my account being delinquent. I called them back and explained that they should not be calling me becuase there is nothing else I can do and to stop calling me. They explained to me that I could recieve phone calls until this payment is posted. I informed them that this is a form of harassment because there is nothing else I can do after I submit my payment. I asked for my phone number to be removed and they told me I had to submit it in writing. I asked for upper management to call me to make me feel like my complaint was being heard. I got a phone call just before 4pm central time. The guy was rude and hung up on me. I called back at 5:26pm still on 11/24 and asked for someone to call me about the guy hanging up and the lack of upper management calling me. When I got a phone call back, the guy was only helpful to an extent. I asked for verification that my complaint was being heard such as an emial or a letter saying "thanks for the feedback." He said everything was dealt with internally and they could send me anything. I told him I don't feel like I was being heard until I have something in writing now that I had one of their employees lie to me and another one hang up on me. He continued to try to direct me to a different letter he was going to send out. I still want verification in writing that my complaint was heard and that it will be dealt with.Desired Settlement: I want a verification of my complaint and what are they going to be doing with my feedback/complaint.

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 2, 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: My husband's school loan debt, for which I am the co-signer on, was paid off in September 2013. We received confirmation and zero balance statements stating that the debt was cleared. Starting in July of 2014 we both received phone calls and emails stating that we needed to contact them regarding our account. We contacted them and found out that they were trying to collect on this debt that was already paid off. After researching the account online I noticed that the payment that was made in September 2013 had been reverse for an unknown reason around May of 2013 and they were showing that we still owed the debt. We were asked to supply a bank statement showing that we paid the debt and we complied. However, since then and for the last 3 - 4 months we have consistently been receiving phones calls and emails regarding this debt and every time we speak to someone we are told that it is still being looked into. However, nothing to this date has been cleared up and no one, except people trying to collect on a debt that has already been paid has contacted us. We are at our wits end with this and are ready to file a law suit against Navient and [redacted] (the original loan holder).Desired Settlement: Fix the problem/error on your end. Send us a letter stating that your company made an error to our account that resulted in collections that should have never happened and send correct reports to the credit bureaus clearing all negative marks.

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 11, 2014. Please allow sufficient time for postal delivery.

Review: Literally had the worst experience ever. They took over the necessary time to process my paper work which would lower my monthly payment. Because of this, the change is effective as of next month not this month. When I had called over a month ago and spoke to someone, about lowering my payment, they stated that it had been taken care of. When I went on the computer to check the status nothing had changed. I realized the customer service person didn't tell me that I would have to fill out a form. I quickly did it and submitted it. This left them over 30 days to process my request. They stated that this was not enough time and that it would have had to been submitted by the end of last month. Which makes no sense since that's when I ad called to have the payment amount changed. I now have to try and find enough money to come up with the payment for this month. They constantly repeated the fact that there was nothing else they could do for me and that there was no one else I could talk to to change this. I even suggested if I could change the billing due date to give me a little more time to get the money together, they said no. I have never been late on a payment in my life. They also said the only way for me to be given any help was to not pay my bill on time, which will hurt my credit. They have lied and I could not be more disappointed.Desired Settlement: I want them to honor what they said they were going to do. My lowered payment should be as discussed this month, not next month.

Business

Response:

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

Review: I was put on income base repayment program for $ 149 for both of my loans. It was suppose to go from May 2014- May 2015. It was only for one month and they have charged me additional interest and fees. I also had a forebarence until Oct and they did not honor that as well.Desired Settlement: I want my income base plan to go back into effect and now from Jan 2015 to Jan 2016. I want all fees and interest waived and credit back 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 December 18, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I contacted Navient at 7:22pm January 9th, 2015. I was transferred twice before I spoke with a representative that was able to discuss private student loans. When I did speak with an agent, I was offered the ability to only pay interest payments towards my loan for a period of 24 months but I had to pay the full current balance today ($440.85). This is affordable and the representative empathized with me, but was unable to do anything to help. I was transferred to a different department for further assistance and spoke with someone who offered to lengthen my term which would lower my overall monthly payment, but would not help with my current balance. I brought up the interest payment plan and after a lengthy period broken up by silent holds after check in's. I was advised, I did not qualify due to already taken advantage of it before (with sallie mae). I was advised there was no record on their current system and a different one had to be used. Since this option was no longer available, I asked what other options we had, preferably a way to get current with my balance. The agent I felt was passive aggressive and was more focused on repeating the same offer, then to legitimately help. I advised I felt the customer service was poor, and also advised I would be contacting the Revdex.com. I was not offered any further options and asked to have a good day. I then requested to be transferred to the Customer Satisfaction survey that is communicated via the automated phone system. After a brief silent hold, I was advised that private loans do not have a customer satisfaction survey and that "I'm sorry to get your hopes up". I felt this statement was uncalled for, and rude. I requested to speak with his supervisor. After a lengthy period of silent hold, a supervisor (I[redacted]) took over the call. He advised that the call would be recorded, and I asked permission to record the call moving forward. He refused permission and advised he would have to terminate the call unless I gave him permission to record. I finally gave him permission, but felt as the call wen't on he was passive aggressive, and at some points disrespectful. I was on the verge of giving up for the night, but requested to speak with someone else. After another lengthy (but with hold music) hold, another person took over the call ([redacted]) who was respectful and worked with me, We reached a tentative agreement but he advised he would have to give me back to the original person I spoke with to complete the agreement. I refused and advised I would call back in the future. I was not offered to allow the manager who I had built a rapport with to complete it. The call ended without a resolution.

I am legitimately scared of dealing with this company moving forward, I feel this is the worse customer service I have ever experienced. I have no idea what options I have with getting another company to take over my loans.Desired Settlement: I would like to either A. Be given the original offer of interest payments only. B. Be able to complete the agreement with a representative that is not rude, or disrespectful.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on January 16, 2015 and resolved the issue with the customer.

Review: The issue start in June 2014. I had automatic withdrawal setup on my account but in June I realized that the account was low and the automatic withdrawal would fail. I called 3 days before the automatic withdrawal was set to occur to cancel the withdrawal and so I could pay with a different account. They told me they could not "stop" the payment as it already started but to still pay so I would not face a late penalty. What they failed to tell me is that if I had an automatic withdrawal fail, I would lose a .25% interest rate reduction. Over the course of the next 6 months, I called a dozen times to get this fixed because a) they never told me it would disappear and b) I called to stop the automatic withdrawal. It is important to note that if you call to stop an automatic withdrawal, you do not lose the interest rate deduction, only if the withdrawal fails to go through. They have told me that since I tried to cancel the automatic withdrawal, and that since I have not been late, they would reinstate the interest rate reduction. I was also told that I had three times to have a withdrawal fail before I lost the interest rate reduction. As I mentioned, I have called about a dozen times, and everytime I am told that the interest rate reduction would be reinstated. It still has not been reinstated.Desired Settlement: I would like the interest rate deduction reinstated and a reduction of my interest that I owe backdated to June 2014.

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 16, 2015. Please allow sufficient time for postal delivery.

Review: On 9/29/14, 8/28/14 and 7/28/14, $1052.45 was deducted from my checking account in order to pay my student loan. The payment had gone up significantly because I was unaware that my 'payment based on income adjustment' had expired. I submitted the proper documentation and proved my income. My payments were adjusted to $178.25/mo. On October 8th I called and asked that the additional money I paid in July, August and September be refunded back to me. $1052.45 for 3 months minus the $178.25 that I should have been paying is $2622.75. I was told it would be. On October 17th, October 23rd, December 9th and February 4th I called back again to ask why the additional money I paid was not refunded. No reason was given and each time another request was submitted.Desired Settlement: I would like the $2622.75 deposited into my checking account or a check mailed to my home address.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on February 9, 2015 and resolved the issue with the customer.

Consumer

Response:

Review: My original student loan from Sallie Mai was around $33000. Being a single mom with 3 kids, I was not able to pay the payments regularly in the past. Now that I am remarried and able to pay on a regular basis, the original loan is increased to more than $71000 due to forbearance.

Currently I am paying $660.00 per month but Navient is taking a big portion of the payment toward the interest and very little toward the principal. Based on my calculations I have to keep paying the same amount for 59.5 years to pay off the principal which will eventually end up to more than $471000.

My problem is that Navient is adding the interest to the principal every month, first, and this way they swell the principal and take my payment for the interest. In other words, unlike a house mortgage, the interest portion of my payments are NOT getting smaller and the portion that goes toward my principal is NOT increasing on a regular basis.

I have discussed this with their reps several times but have never got any convincing answer.Desired Settlement: Changing the system of the interest applied to a fair mechanism, like a mortgage 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 6, 2015. Please allow sufficient time for postal delivery.

Review: An unauthorized debit was taken. I had previously agreed to a specific amount to be debited up to December 2013 however an unauthorized increased amount was taken out on 1/30/15. I tried to get this reversed by the company but they declined claiming I had agreed to this amount based on their records. They claim to have a recording of myself agreeing to this but refuse to supply me a copy or transcript without a court order so I am at their mercy on the validity of this.Desired Settlement: A full refund

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.

Review: I have private student loans out with Sallie Mae, with the earliest being from August 2006 and the most recent being from August 2009. They have continually put my loans as "in default" though I make payments to them every 2 weeks. In late 2013, I entered into a repayment program meant to lower my student loan payments each month, even though their "lowest" amount for a payment is still over 30% of my monthly income. Throughout the past year and a half, I have continued to get phone calls telling me that my payment is late and that my loans are in default, even though I am enrolled in automatic payments that are deducted directly from my checking account biweekly. Approximately 2 weeks ago, I received a phone call from Sallie Mae telling me that my loans are past due in the amount of $700. I sent them a copy of my bank statement, showing that my agreed upon payment was taken out on Friday 2/13/15. Today (2/25/15) I received a phone call from them telling me that my account was past due because I had not paid on 2/27/15. I had to explain to the customer service representative that the payment was not, in fact, past due, since the due date wasn't for another 2 days, and that the payment was scheduled to come out on 2/27/15. He was very rude, and told me that I needed to resolve the past due amount immediately or my loan could be considered in default.

This is absolutely unacceptable for a business to conduct themselves this way. I have been out of school now for nearly 3 years, and I have not been able to save any money or build any credit due to their extremely unethical business practices. They have continually told me that my loan is past due or in default, though I have been making payments consistently for 3 years. Additionally, for a company to require that I pay a miminum of 30% of my monthly salary and then continue to ask for more money is absolutely ridiculous.Desired Settlement: Not only would I like Sallie Mae to help with adjusting my monthly payments further so I am not continually paying excess amounts of money on my private student loans, but I would like them to remove any negative feedback they have given me on my credit report that is unwarranted. For them to frequently say that my loans are in default (despite biweekly payment) has seriously damaged my credit rating, and continues to provide undue emotional and financial stress.

Business

Response:

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

Review: I have applied for income based payments THREE times to Navient (the first time in Oct). And every single time I contact customer service I get a generic message back and NO PERSONAL REPLY. I require a written response for legal purposes. I work at [redacted] in Manhattan New York, making 9$ an hour minimum wage. How DARE Navient tell me I can afford 200$ a month in payments! I barely make 400$ paychecks. You mean to tell me with about 800-900$ a month, I am supposed to pay 500$ rent, 200$ Navient bills, [redacted], eat, by toiletries, cell phone, and pay for the subway?!!?!!? ARE YOU KIDDING ME! I sent them my pay stubs as proof of income. Bank statements, the whole 9 yards. I have applied for this OVER and OVER with no response as to what is wrong or what forms they need. They will not answer me or reply. And now my credit report shows my loans are PAST DUE even though I pay them as much as I can every month (60$).Desired Settlement: I would like an income based settlement. I would like to pay 30$ to federal loans and 30$ to non federal loans. A total of 60$ a month until I acquire a better job. I pay [redacted] so I think it's only fair Navient gets a total of 60. That still leaves my paychecks and what I can afford extremely tight, but livable. I would like the past due removed from my credit report as I have been working on this since October.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on March 4, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I had been notified in the fall of 2014 that my loans were moved from Sallie Mae to Navient. Therefore, I began contacting Navient in November of 2014 because my loans were going to be entering repayment, and I wanted to discuss any possible repayment options as I had not yet passed the Bar Exam, and therefore my salary was lower than expected at the time. When I called in November, I was told that my loans were not yet in repayment, so nothing could be done with them yet, and therefore I would need to call back in December. Therefore, I called again in December, at which time I was again informed that my loans were not yet in repayment, so nothing could be done with them yet, and therefore I should call back in January. I called in the beginning of January, and again was told that my loans were not due until the end of February 2015, and therefore I should call back in a few weeks. Then, in mid-January of 2015 my co-signor (who lives in FL, I am in NY) received correspondence from Sallie Mae indicating that the account was past due by two (2) payments. I never received this correspondence, even though MY address is the one listed on the account. Additionally, I began receiving calls every two hours while at work attempting to collect this past due amount. When I had time to return the calls after work, the woman from Naveint informed me that the account was past due by two (2) months. I informed her that I had been calling Navient since November, and was told for three (3) months that my loans were not in repayment, and that I should call back the next month. She essentially had no idea what I was talking about, and just kept asking for bank information to make the payment. She could not help me and explained that she did not have the power to do anything to help me. Therefore, I asked to speak to a supervisor. The supervisor then got on the phone and again asked how I would be paying the past due balance. I explained to her again that I had been calling to get a payment plan set up since November, and that, had I been allowed to do so, there would not be a past due amount. I informed her that I did not believe I should have to pay any late fees based on their mistake since November in telling me that nothing was due. She insisted that they did nothing wrong, and she did not know why people had told me since November that the payment wasn't due. She then asked me how I was "improving my situation" to be able to pay the loans in the future. She was incredibly rude and offered no explanation for any of the discrepancies in all of my previous phone calls. She then asked why I have co-signors if they cannot pay, and that she would go after them instead. I explained to her that I was trying to resolve the situation, and she told me that my only option was to take a forbearance. I again explained that I did not think I should have to take a forbearance, hurting my credit, based on the mistakes of Navient's employees in relaying incorrect information. I understand that the company is new. The employees clearly do NOT have adequate training. However, those are NOT valid excuses allowing Navient to destroy borrower's finances simply because they cannot properly access and analyze accounts in order to relay correct information. Because the amount was past due by two (2) months, I had no funds to pay the full balance, and the supervisor informed me that a forbearance was my only option, I was required to pay $150 to take a forbearance on my payments. The forbearance payment capitalized the payments back onto the loan, thus increasing my loan balance because of the mistakes of Navient. This forbearance brought my account current through February 2015. The next payment was due March 3, 2015. Therefore, near the end of February, I called Navient to set up an interest only repayment plan so that I could manage the payments better until I pass the bar exam and obtain a higher salary at my current job. However, I was informed that the interest only processing takes over a month, and therefore the interest only payment schedule would not take effect until April 2015, so I would need to pay the full payments for March 2015. However, again, I could not afford the full payments. Therefore, I was forced to take another forbearance simply because Navient takes an ENTIRE MONTH to process one simple request. I find that incredibly obnoxious. I firmly believe that they would not allow the request to be processed more quickly (they had over a week to get it done by the March payment), solely because they hoped to obtain another forbearance from me. The employees of Navient are severely undertrained; the company utilizes shady business practices that allow them to obtain forbearances from students in order to increase loan amounts, thus increasing their payout. I have spoke with many other borrowers who have experienced these practices with Navient, and it is shocking how their fraudulent statements and business practices are running rampant. I have never experienced more rude, condescending, manipulative, unintelligent, undertrained, under-equipped, powerless staff.Desired Settlement: I request a refund of the forbearances that I was forced to take, as well as a billing adjustment removing the interest that was accrued as a result of those forbearances. I also request a change in Navient business practices in the form of training for employees to ensure that future borrowers receive consistency rather than the outrageous inconsistency that I encountered.

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 20, 2015. Please allow sufficient time for postal

delivery.

Review: Navient consolidated my student loans last July and proceeded to bill me for both the consolidated amount and the unconsolidated amount. The problem has continued until March, a full 8 month after I spoke with them about correcting the problem. In addition, I have set up an IBR (income based repayment plan) to repay my loans. Navient has sent me two bills, and I have paid them both. When I logged onto their site to check my balance, Navient shows a different amount due, and it shows my account as past due. When I called, I was told that they did receive my payment but did not have a record of mailing me the bill for that amount. Instead I was told that I have not been approved for my IBR (even though I have a form stating that I was approved) and that the new amount (which is 6X higher than the amount I have been paying) is passed due and I needed to pay it to bring my account up to date.Desired Settlement: I am concerned that I have accrued interest on my loan that should not be applied. I would like to know that I am not being charged any undue interest (accrued while on forbearance while trying to straighten out the 1. total loan amount and 2. IBR amount). I would also like the IBR to reflect that, while my wife provides joint income, she also has student loan 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 April 3, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I am a private student loan borrower. At the time when I borrowed the loan this organization was known as Sallie Mae. Due to consumer dissatisfaction of their poor service, they changes their name to Navient, but their service is still very poor just like it was when this organization was called Sallie Mae.

My loan product - Global Residency Relocation loan, which was under grace period, was recently put back in repayment but they failed to inform me prior to this event, I incidentally went to my online account and found out this information, I call them and after which I received a correspondence of this.

I requested a Residency deferment on this loan and I was told that that they will process this request using a similar deferment application I had made for a different loan product I had borrowed from Sallie Mae. This request was later denies because the forbearance processing department wanted a new updated application. I spoke toa a supervisor level representative during my initial communication for forbearance, it seemed to me like the employees don't have a clue about the fact that a new application is required. This has brought me closer to my payment date and was time wasted. They sent me a new application and asked me complete it and upload it online to my account. I had the application completed per instructions, only later to find out that my private student loan deferment application can't be uploaded online, again I was given wrong information. I faxed the application and when I called to check if they have received my application, I was told that it would take 24 - 48 hours before they would be able to retrieve my application. It has been 1 week now and they have not even started to work on ny request, nor do they have my application. This should be considered extremely substandard service.Desired Settlement: - May be consider closing down since they feel OK to waste consumers time. and provide substandard service

- They are very polite and try their best, don't seem to know much about how to process a simple deferment application, which should be addressed.

- Provide services in a timely manner, if they plan to be around for sometime

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.