Navient

Review: This company has contacted to the Philippines, and all our personal information is on display there for all to see. I have spoken to three different employees ( and I have their employee numbers), and they have told me three different stories, all lies. Now they have are extracting money from my checking account, without my authorization. They lied and told me it was my debit, which I had them blocked. So, what is going on here? don't we have rights...or is the all personal information is displayed for international thief?Desired Settlement: I want my money refunded, and a forgiveness on my federal loans, if they are going display American's personal information internationally. I am going to the media about this, and warning the public

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on July 17, 2015 and resolved the

issue with the customer.

Review: My account was transferred over to Navient which has taken over for Sallie Mae. I had a forbearance on my account while with Sally Mae which carried over to Navient. I was unable to make my payments due to the hardship I incurred. In June 2015 I called and spoke to Navient Representative [redacted] regarding my student loan account #[redacted]. I was notified that my account was getting ready to go into default. I asked the representative what I can do to get my account in good standing and he notified me that I would need to make a payment of $50 in order to stop the default on my loan. I informed the representative that I would be able to make that payment on July 1st. He mentioned that I would have plenty of time as long as I submitted the $50 payment by the end of July. I asked the representative if they accept payments other than by mail and he informed me that I could make the payment via Western Union. On July 1, 2015 I attempted to make a payment on my Navient account through Western Union and was notified that they do not accept payments for Navient. I then called MoneyGram to see if they accept payments for Navient in which I was told no. I was not able to make the payment so I called Navient and informed the representative to please notate my account that I would be sending my payment by mail because I wasn't able to send it Western Union. I then made out a money order and mailed my payment out along with a letter indicating my conversation with [redacted] and to please accept my payment and request to stop default on my account. I also requested to start sending monthly statements to my address so that I can track my payments. I also created an account on Navient's website to keep track of my account until the statements come in. I received a confirmation email that my payment was received and posted to my account on July 7, 2015. I did not receive any further correspondence or phone calls from Navient. Today, July 28, 2015 I received a Notice of Default from ECMC notifying me that my loan is no longer with Navient due to default. I called Navient and requested to speak with a supervisor and was transferred to ECMC. I spoke with a supervisor, [redacted], no technician number available. I explained my situation and he said that I can request for Navient to re-purchase the loan based upon the fact that they accepted my payment to stop the default. I then called Navient and spoke to [redacted] Employee # [redacted] and explained the situation and that Navient was supposed to stop the default but didn't even though my payment was accepted. I wasn't receiving any helpful information and asked to be transferred to a supervisor. I was transferred to Navient Supervisor [redacted] Employee # [redacted]. I explained the situation and was told that I would have to submit a request to re-purchase my loan in writing and the response would be 30 - 60 days. I have a minimal timeline to have this issue corrected and informed [redacted] that this mistake was made by Navient. I asked to have the issue corrected and she said that even though Navient's Claims Diversion Department failed to pull my account out of default that there was nothing that could be done to correct the error. I explained that when I originally called I was provided with information on what is necessary to stop my account from entering default and that was the $50 payment. I went above and beyond and sent the payment along with a letter explaining my situation and to please accept my payment along with the request to stop the default. They payment was accepted and the default should have been stopped. After almost two hours on the phone I requested to speak with an manager. [redacted] said her manager was unavailable but told her to transfer me to the Claims Diversion Department to ask why the default was not reversed when the payment was accepted. Upon [redacted] attempting to transfer me to Claims Diversion Department [redacted] came back on the line and stated that the representative [redacted] from the Claims Diversion Department refused to take my call. I asked her why and she said that they just refused. I asked how I can get the issue resolved. I complied with what was being requested and now that there was a mistake on their end that they are not attempting to fix it. She then said that there's nothing they can do to help and I explained that I would be filing a complaint because she is refusing to correct Navient's error. She did admit that the company is at fault and she doesn't know how to correct the error. After her unwillingness to assist me any further I disconnected the call.Desired Settlement: I want Navient to follow through with their promise to keep my account out of default and allow me to continue my loan payments with their company. I fulfilled my part of their request and made my payment in which I have confirmation that they accepted and processed. I need them to keep their promise to keep my account in good standing.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on August 4, 2015, and we are working with the customer directly to

resolve the issue.

Consumer

Response:

Review: I have 8 federal loans and 2 private loans with Sallie Mae/Navient. In mid 2014, I contacted Navient regarding my two private loans. I stated to them that my hours decreased at work and I could not make the payments and be able to live at the same time. I was rudely told that unless I was in school there was nothing they could do. I explained to the rep that I was not avoiding my debt, I just needed a few months of defered payments and I would begin making payments as soon as my hours picked up and she stated that there was nothing she could do and rushed me off the phone. I called again and spoke to a supervisor and she too stated she couldn't help. My private loans are now in default even though I placed phone calls and sent letters to rectify the situation and no one offered me any reasonable payment plan. The loans are with a collection agency and I have agreed to a settlement. However, this has greatly affected my credit score and my co-signer when this could have been avoided. As for my 8 federal loans, Navient reported a 90 day missed payment in October 2014 for each account. When I contacted Navient prior to this reporting, I was told I had to wait 90 days to refile a deferment because of my last deferment. Although I thought this was strange, I did what I was told. I later requested and was approved for the deferment. I recently checked my credit report and saw all 8 federal loans listed as a negative items even though Navient is reporting the accounts as current and deferred. I contacted Navient by phone and mail and the rep I spoke to thought it was odd that my accounts are listed as negative when they are technically in the positive. Navient has recently denied my request to fix the reporting even though the credit bureaus agree the accounts should be listed as positive items even though the late payment is on there. This is affecting me greatly and it has become a nightmare. I was given bad advice on several occasions and my co-signer and I are paying for it.Desired Settlement: I would like Navient to correct my credit report by contacting the credit bureaus and advise them that the 8 federal loans are current and should be moved to a positive item. I would also like my private loans taken out of default as I am on a payment plan with their collection agency. I also want my co-signers credit report corrected as well.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on August 4, 2015 and resolved the

issue with the customer.

Consumer

Response:

Review: The business has been contacted numerous times by phone and a Certified Letter requesting a payoff statement and a refund of overpayment. They have sent a form letter stating once my check clears the loan is paid off. This letter makes me responsible for any erroneous records they have. Previously my payments have gone into others accounts, I have been lied to and I have been told that I would receive a payoff receipt in June 2015. My The last and final check for the loan was sent 02/27/2015. They have created a burden on myself and family.Desired Settlement: The business has a responsibility to provide a payoff statement and a refund of overpayment

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 19, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: Our daughter applied for an approximately $4200 student loan through Navient for college. One loan for each of the last three semesters. Unfortunately, we thought deferred meant the interest was deferred until 6 months after she graduated. She will graduate in December 2015.

We always thought we would pay it off quickly and recently looked into the details on line. We discover there's approximately $2000 in interest accumulated to date and the first payment is due November 26, 2015. The interest rate is reported as 7.1%. Nothing adds up. They were not helpful at all on the phone. There were never any email or mailed notices of any kind.

We're shocked that the Department of Education is working with this type of company.Desired Settlement: How are the charges calculated? We've just seen summary pages.

A first correspondence should be directed to the permanent address in most cases the parents address on paper to verify the details for what is a very difficult process on the web site.

We would have never used Navient if we knew the details completely.

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 23, 2015. Please allow sufficient time for

postal delivery.

Review: I am a co-signer for a student loan for my daughter, Sallie Mae was the previous owner now this loan was transferred to Navient since that time we've incurred numerous inaccurate billing, reports to the credit bureau, and illegal payment authorization arrangements. The billing records are not accurate, they are not up to date, they do not reflect day to day changes, it takes them months before the billing records are up to date. in one day $2000.00 was added to the balance of this account. The department that makes payment arrangements with my daughter who is the primary borrower has not ever contacted me nor received my approval for making payment arrangements that have impacted my credit-this is illegal and it was stated by their employee on the phone that this should not have occurred, although multiple changes in this account has occurred-I am was never notified or gave authorization for any changes in this account.Desired Settlement: Since it was illegal for them to change payment arrangements without my consent I think it is fair for them to remove all negative reports they forwarded to the Credit Bureau for this account

Business

Response:

Thank you for

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

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

Postal Service on October 8, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: In June 2004, my mother ([redacted]) and I established a student loan with Sallie Mae in the amount of $4,504. On May 5, 2011 my final settlement payment of 2,365.38 was paid to Sallie Mae (P.O. Box 9500,Wilkes Barre, PA 18773).In 2014 my wife and I filed our 2013 income taxes; our federal and state taxes were garnished by the "New Jersey of Higher Education".We were informed by the "New Jersey of Higher Education" that our taxes were garnished for failure to pay the student loans that were established in 2004 and that Sallie Mae had forwarded the debt to them. I informed the New Jersey Department of Education that this loan had been paid; I even had Sallie Mae to send me a letter stating this fact. This letter was in turn forwarded to the "New Jersey of Higher Education" and to date my 2013 federal and state income taxes have not been returned to me.Also, at the time of this loan, I was a miner. Also, the social security number on file for me is incorrect. I have kept in constant communication with the "New Jersey of Higher Education", just to be continuously given the run around.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like a "correction to my credit report" as well as a refund of my 2013 state and federal income taxes.

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 20, 2015. Please allow sufficient time for

postal delivery.