Navient

Review: I have a large number of private student loans that I foolishly took out with Sallie Mae about ten years ago and they were recently absorbed by Navient. Both companies have been deplorable to work with and demand outrageous payments that I cannot possibly afford. Still, I do my best to make payments and when things have gotten really dire, I have been able to enroll in a rate reduction program. Anytime I get late on a payment, I'm not surprised that they call and check in but it does certainly become straight up harassment when they are calling once an hour every single day. Up until now, I've chosen to ignore their bully tactics but they have gone too far.

Today, they called my little brother in Greenville, SC on his cell phone and began to interrogate him about my loans and told him to tell me to call them. A year or so ago, they tracked down my elderly grandparents in Maine and disturbed them at home as well. Tracking down my family members that are in no way connected to this loan is truly reprehensible behavior and I find it to be a truly aggressive form of harassment. What's worse is that I paid them a large sum last month despite being unemployed and told that I was starting a new job this month and that I'd be in touch about setting something else up soon. So I've already communicated with them what my situation is. I just started my new job this week and still the calls keep coming. The fact that they would call my brother despite me having made a payment just last month and despite having been made aware of my situation is blatantly uncalled for. I don't believe there are ANY circumstances under which they should be harassing my relatives that are not connected to this loan in any way.

I called to discuss them with this and they were entirely dismissive and rude. I have put up with a lot of harassment from this morally bankrupt company but I felt something needed to be done about this egregious behavior. Taking out loans with them was easily the stupidest decision I have ever made as they are about the most unreasonable company imaginable, but I have really bent over backwards to at least make some form of payment as often as I could, in spite of difficult circumstances. I don't deserve to have my family members harassed by them.Desired Settlement: I would like them to discontinue this practice. I never want to hear about them calling one of my family members again.

I would also like for them to be more cooperative with me regarding payment plans. Because my loans are private, they refuse to build a payment plan based on my income and so they ask for exorbitant amounts on a monthly basis. After the rampant harassment I've had to endure from this company, I , at the very least deserve an adjusted payment plan based on a settlement amount.

Business

Response:

Thank you for

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

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

Postal Service on July 24, 2015. Please allow sufficient time for postal delivery.

Review: Navient does not provide people living outside the US simple payment options. They insist you make payments online, however my repeated attempts to reactivate my online account have not been successful. To reactivate my account to make payments, I have had to make several international calls, stay on the phone while they try to determine how to reactivate my account and then they were still unable to reactivate my account. I was told the last time I called their IT department would fix it. This has not been done, therefore I am required to make payments over the phone. This involves making more international calls plus they incur extra fees for taking payments over the phone. The last time I made a payment over the phone they waived the extra fee, as a favour to me, since I could not make a payment online, but I would have to incur future extra charges to make payments over the phone in the future. It took them several months to get my address correct and even now they still put the incorrect name on the account. I asked to be set up with automatic payments, however I was informed this is not feasible with a non-US bank account, despite the fact I had automatic payments set up with my UK bank account in the past.Desired Settlement: To settle this matter I want my online access reactivated so I don't have incur additional charges by making international calls and making a payment over the phone. It is their incompetence that is ruining my credit rating and their inability to accommodate US residents living in other countries that is preventing me from making payments.

Business

Response:

Thank you for

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

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

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

delivery.

Consumer

Response:

Review: Navient is hands down, the WORST company I have ever been in contact with. I am guessing that the employees that have been selected to harass Navient clients, have never had a student loan in their life considering how they speak to people. In all of my time with this company, which was forced upon me when Sallie Mae decided to stupidly hand over my loans to them, I have spoken to ONE decent employee, and trust me when I say, I have talked to hundreds of them. They are ALL lonely and hate their lives to actually wake up every day and treat customers the way they do; but then again, when you work for a company like Navient, money see, monkey do. Anyway, I have officially been approved to re-finance with another private student loan company because for a $35,000 student loan, Navient was charging me $577 per month and would NOT, in any way, shape or form, work with me on the monthly payment. I never said I didn't want to pay, but come on people, it's called financial hardship, and I cannot afford basically a mortgage payment for my student loans every month. Navient and their staff were so blatantly rude to me and would not work with me AT ALL when I asked them about lowering my monthly payment, which caused me to look elsewhere to re-finance, which I should have done forever ago. Let's not forget how they literally call you, and I am not exaggerating, EIGHT times per day...PER DAY. My new loan provider is currently working Navient to pay them off and I will have a $163 per month payment as opposed to a $577 one! Navient is ONLY out for money and ruining people's lives. Honestly, I do not know how these employees or the CEO of this company, live with themselves every day. You are sad, sad people and I feel bad for you.Desired Settlement: CLOSE THE COMPANY DOWN! You should be ashamed of yourselves. Whoever is heading this company or supporting it in any way, you are a joke if you cannot see what an AWFUL business this is and how there is not ONE positive thing said about it.

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 6, 2015. Please allow sufficient time for

postal delivery.

Review: I have been trying for 6 months to get access to my online account. I get phones calls at least 50 times a week at all hours demanding payment on loans that they say are past due. They refuse to give me access to my bills online and every time I talk to them they say they will have to call me back in 48 hours because that is how long it takes them to gain access to my accountDesired Settlement: I want all of my student loans forgiven by Navient due to unfair billing practices and harassment, and I want my credit history repaired for the negative marks they have put on there.

Business

Response:

Thank you for

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

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

Postal Service on July 24, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I am being billed for various amounts by Navient. I have satisfied this with the original guarantor Sallie Mae. I received a letter on 4/1/15 saying that I owed $1948.63. When I questioned the amount, they made an adjustment to reflect an adjustment of $434.59, saying that a payment of $1070.58 had been made on 4/13/15. I made no such payment. Then I received an e-mail on 5/29/15 saying that a payment of $1070.58 posted on 5/28/15. I made no such payment.On 6/19/15 I received a letter that I now owed $446.50. Then on 6/19/15 I received another letter that I now owe $451.51. This letter also states that my next payment of $31.67 is due on 1/28/2018! Then on 6/23/15, I received another e-mail saying that they posted another payment of $1050.58 on 6/22/15. I made no such payment. Then I received another letter on 6/30/15 that says I owe $438.30. The next correspondence was received on 8/11/15 that I owe $438.30. I made several phone calls disputing the charges. They promised to call me back and never did. Weeks went by. I then contacted Sallie Mae and they provided me with a spreadsheet confirming my payments and the fact that I owed nothing. I faxed that to Navient and followed up with a phone call. I was told it would be passed on to management and I would be contacted. I was not. I called again and was told that I still did, in fact, owe $438.30 even though the documents I provided said I owe $0. This has been reported on my credit report and has affected my credit score. This has been going on fro 5 months and I can't get anyone at Navient to put an end to this. I am not paying monies that I do not owe and I have provided documentation to prove it.Desired Settlement: I want a letter stated that I do not owe the money, I never owed the money and my balance is zero. I want Navient erased from my credit report completely since I never did owe them any money. I would also like to find a class action attorney because I know that I'm not the only person affected by their practices.

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.

Consumer

Response:

Review: When the company was called Sallie Mae, I got a student loan. When it came time for repayment, that's when the problems started. FOUR YEARS AGO, I received a letter at my current address stating I was in default, even though I had never received a bill. I paid it. I also sent documents so that my name could be changed since I had gotten married. It was NEVER changed. I made my payments, and then returned to school. I graduated August 10, 2015. I received a phone call on 9/21/2015 at 7:00pm stating I was YET AGAIN in default. Though no bill had been sent. My name was also never changed. The woman spoke to was very difficult to understand, and I was not very happy to have to repeat my current address several times only to log into my online account today (9/22) and find that she still had it incorrect. My name still was not changed. I do not think I should be responsible for resending documents they lost. It is THEIR fault BOTH times my loans went into default for not correcting information when they were prompted to do so.Desired Settlement: Personally, I'd prefer my loan to be completely paid in full, but since I know that will not happen, I want my credit report fixed from the two times they placed me in default, the fees for these times to be removed, and two of my payments waived, essentially making my total balance reduced.

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 September 30, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: THIS COMPANY IS CALLING MY PLACE OF BUSINESS FOR AN EMPLOYEE [redacted] WHO HAS NOT WORKED HERE FOR ABOUT 20 YEARS NOW. I DONT KNOW WHERE SHE IS AT NOR HAVE I SEEN HER IN 20YRS. I ASKED NAVIENT COMPANY TO STOP CALLING MY PLACE OF BUSINESS BUT THEY KEEP CALLING BACK TO BACK JUST ABOUT EVERY DAY.

I WOULD LIKE THE CALLS TO STOP.

THANK YOU

[redacted], MD

Business

Response:

Thank you for

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

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

Postal Service on October 23, 2015. Please allow sufficient time for

postal delivery.

I would not recommend this company to anyone. I have had loans through [redacted] since 2008 and I never had problems. Once Navient took over, I have nothing but problems including credit score issues as well as a $1200 balance increase (for reasons that they cant seem to explain). I am currently in contact with the student loan ombudsmen to try to solve this problem but I have been fighting them since they switched to Navient in October 2014. Please do your research before taking a loan, and be sure to keep all files and an eye on your balance.

Review: I received a letter from Navient stating the following: "As of 02/15/2015 the student loan(s) listed below is no longer eligible for the AMS Grad Bonus 3% AY07-08 benefit because you have not provided proof of graduation within 60 days after you received your eligibility letter."

I began paying my loans in 2012 and never received such a letter. At the time the loan was handled through Sallie Mae.

I called this evening to inquire and was put on hold for 45 minutes. I was told that if I sent in a copy of my diploma that they would CONSIDER my request. The customer service associated stated, "I hope you're not pissed" and "Your long wait is almost over."

After asking to speak to a supervisor I was told that I did not meet the requirement in 2012! If that was the issue why has my interest remained the same until now? She stated that even if I didn't receive a notice I should have read the fine print online. This is disheartening, as I have paid faithfully for over two and a half years. This did not become an issue until the loan changed hands. As a reward for working as a special educator and paying on time my interest is jumping from 3% to 6.3% for two loans.

It seems unethical to raise rates for someone who has never missed a payment because of a stipulation from 2012 which I will rectify.Desired Settlement: At my expense I will have Longwood University send an official transcript with my Bachelor's and Master's degrees listed in exchange for being assured that my interest will stay at 3% as it has for the last 2.5+ years. I would also like confirmation of receipt of the transcript via phone.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on March 6, 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: I am currently on an income based repayment plan that I was previously on with Sallie Mae that was not due to expire until 08/20/2015. I received information in May 2015 that Navient was now servicing the loan. I received correspondence from Navient that I needed to renew my payment plan by 07/20/2105. I renewed by payment plan with Navient and Great Lakes and both companies show receipt of the information on 06/22/2015. Great Lakes managed to process my information by 06/29/2015 and Navient still has not. They are showing me having a payment due on 07/20/2015. I have called and spoken to representatives twice and had no resolution. I keep being told that it is a 30-45 day processing time and that I am responsible for making the payments. I have reviewed all my correspondence from Navient and nowhere does it state anything about a 30-45 day processing time. I asked to speak to a Supervisor during my last call and even held the line for about 2 hours. I need to have this corrected.Desired Settlement: I would like to have my Income based Repayment plan updated as soon as possible. I would also like any adverse information that may have been reported to the credit bureaus, corrected. I would like all of these requests in writing.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on August 19, 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 and I agreed to a settlement on August 28, 2015. About two weeks later I noticed my account was still reporting delinquent, so I called to find out why. I was told it would take 30 days for the account status to change into settled status. I verified with the representative that it was be expected that the status would change at the end of September 2015, he agreed. Today - September 28, 2015 - is 31 days since my settlement payment was made but the account is still accruing interest and still reporting as delinquent. So I called Navient and spoke with a representative. He told me today is 30 days so I should notice the change tomorrow. I advised today is 31 days, so it should already be reflected. He explained that he would have to open an investigation into why this hasn't been settled, which will take 5 or 6 days to complete. I replied that I expected them to live up to their half of the settlement and update my status as agreed. He once again said he will open an investigation. I advised I'm looking to my account to be properly documented by the last day of this month, and I'd like to speak to a supervisor. He told me once again that he can open an investigation. I repeated I'd like to speak with someone above him, he replied "they'll just tell you the same thing I did" to which I responded I will hold for the supervisor.

After another hold, I spoke with [redacted]. She explained to me "The pending status is supposed to be 30 days, which would make today right on the money" but I corrected her twice and explained that today is day 31 because there are 31 days in August which means that today is day 31. [redacted] replied that yesterday was Sunday so we don't count that. I then asked for clarification because I was told 30 days, to which she also agreed and claimed that today is the 30th day. I asked if it was 30 days or 30 business days; she said 30 working days. I requested updated to know which information was incorrect, because she told me two very different pieces of information. She never clarified. I requested something in writing, she told me she can mail me a 30-day letter. But in the next sentence she told me that it's not an exact timing, that it's approximate. So I asked if they have a policy on settled accounts as to when they would be considered settled and she said no there is no policy.Desired Settlement: I expect no interest or fees to accrue since the 30th day after my settlement payment was posted. I also expect my credit bureau to be updated properly to reflect proper payment time-frames, as I was told it would. I do not want to go another month with this account reporting delinquent.

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 7, 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 mostly satisfactory to me. I still find the customer service experience deceitful and misleading.

Regards,

Review: I have recently been informed that I received a 60 day late notice on my credit report. I made payments to Navient on August 17 in the amount of $109.08 and September 29 in the amount of $223.90. I have been told by Navient representatives that the payments were reversed. However, I was not notified of this and do not show an attempt or reversal via my bank.

On October 6 I was contacted by a Navient representative and advised them of my medical condition and that I would not be able to discuss the account in detail with them. At that time, I placed the account in forbearance until January 2016.

I am now being told that the account received a 60 day late notice for the months I was under the impression were previously paid.Desired Settlement: I would like the 60 days late notice removed from my credit report.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on November 9, 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: Sallie Mae has been illegally reporting this account to all 3 of my credit bureaus since March of 2001. I have never taken a loan out with this company yet they continue to hurt my credit. The partial account number I am referring to is [redacted]. I have written certified letters to Sallie Mae requesting that this be deleted from all 3 credit bureaus on the following dates: 05/12/2008, 09/10/2008, 06/10/2009, 12/10/2012 and 10/5/2014. Sallie Mae have NEVER sent me a response in regards to my request for verification of this debt nor have they removed it from my credit reports. Furthermore, I have called Sallie Mae numerous times requesting that the account needs to be deleted from my credit reports but each time the customer service representatives tell me that "The account is being paid by insurance and a claim has been filed by the government" even though I explain to them that the account is not mine and they refuse to provide me with evidence showing otherwise. I am at my last straw with this company and will file a civil suit again Sallie Mae if they do not immediately delete this account from all 3 credit bureaus.Desired Settlement: I want Sallie Mae to do the following 2 things:

1.) IMMEDIATELY delete this account from my [redacted] reports.

2.) Send me a letter verifying that the account has been deleted from the credit reporting agencies as proof.

If these two tasks are completed I will not file a civil suit against Sallie Mae and will consider this matter resolved.

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: Naviant now has all my loans that sallie Mae had, when I call naviant about questions with my account I am always transferred several times and eventually the phone will just hang up on me. I have tried emailing several times and never get a reply. My account will be in default because I can't get someone on the phone to go over my account. These companies were setup to help students out with student loan questions but this company has done the opposite. I am so frustrated I can't type. This company has a very shady customer service department.Desired Settlement: I want a phone call from someone that works for naviant that will have answers and not just try to "pass the buck". I don't want to be contacted by a collection agency. I want to be contacted by naviant about how to pay my loans. You would think they would be eager to help but that's not the case at all.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 8 , 2014, and we are working with the customer directly to resolve the issue.

Review: I would like to pay my monthly student loan but every time I turn around the loan is sold to a new company now I am with navient trying to re-pay them is a joke. my password and user id is constantly not working and I am on a phone hold for 30 mins. I work. I am never given the opportunity to choose a lean holder of my loan , I get only a notice of when it is sold. I have no authority over my loan payments and this company doesn't look out for their customer's best interest , I feel they do this to create late fees.I am very overwhelmed as a young person trying to create a positive life for myself after all the hard work and responsibilities I have accumulate during my college years.

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.

Review: I have private student loans with Sallie Mae (now with Navient) that were discharged in Bankruptcy in 2009. I have repeatedly notified the company of this and they have refused to cease collection attempts or remove the negative reports on my credit report. They deny receiving the original discharge documents, so I sent them copies of the bankruptcy petition (which included the loans in question), along with the official bankruptcy discharge statement. I received one email reply from Navient, which told me to call them. I did, but was incorrectly transferred three times, with the final time telling me that they could not accept my call. I have tried emailing the company, but have had no response.Desired Settlement: I want Navient to cease all collection attempts and remove all negative reports from all three credit reporting agencies.

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 30, 2015. Please allow sufficient time for postal delivery.

Review: In September 2014 I set up an automatic bank draft with Sallie Mae. Sallie Mae transferred my account to Navient without my knowledge. Navient, while they have my bank account information failed to continue my automatic draft and thus now claim my account is in default. They will not allow me to set up the automatic payments when them now until the default is settled when the account went into default by their error not mine. I am asking that Navient reset my account to NOT in default as it was their error and allow me to set up the monthly drafts as they were supposed to be drafting each month. I ask that any interest or charges be removed immediately. It was also almost impossible to even get online and Navient denied that they had my loan to service, sending me to another company, who then sent me to another company. All I was trying to do was to get my payments made but they have really messed me up on this. It is sad that they do so poorly in business and unacceptable that I was never notified that my loan servicing company was moved.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I am asking that Navient reset my account to NOT in default as it was their error and allow me to set up the monthly drafts as they were supposed to be drafting each month. I ask that any interest or charges be removed immediately. It was also almost impossible to even get online and Navient denied that they had my loan to service, sending me to another company, who then sent me to another company. All I was trying to do was to get my payment

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.

Review: I paid a student loan payment of $200.00 on December 30th 2014. I received a confirmation e-mail from Navient with it stating posted date of 12/31/2014. I also received another e-mail with the confirmation number

Payment Confirmation [redacted]

Pay $200

On 12/30/2014

I also have my bank statement with the $200.00 out of my account to Navient. I paid another payment in January and after it processed I realized my December payment of $200.00 did not process. So I contacted this company mid- January to discuss this matter, a gentleman put in a work-order and had me fax over the two-emails, along with my bank statement. He also stated that the issue has a resolved date of 01/30/2015. I waited and they did not send me an e-mail or letter, and I did not receive a phone call to update me on this matter. I called a couple weeks later, middle of January and spoke to another gentleman who did research and told me that the payment is being processed to my account but it will show up as a refund. I again waited and check my account daily, I called again on 02/23/2015. I told the lady my problem and she referred to something on my account from 09/2014. I told her that was not the issue and that I didn't understand why I have not received anything from the company and she stated that a letter was sent out and I should've received it, and if I have not then I will. She also stated that the college has to process the refund because I paid it within 120 days of disbursement and that I need to contact the college, and I again kept asking her why I needed to contact the college when Navient is the one my loan is through and all my other payments posted to their account and not the colleges. I also asked to speak with a manager and she said that it would be over an hour wait. I told her that I wanted a copy of everything that has ever been documented to my account for further proof of conversation. I called the college which is [redacted] they also did not understand why the Navient employee told me to call them. The college told me I needed to call them back and speak to a manager. By time I was able to call back the company was closed.Desired Settlement: I would like the company to post the payment that I paid. I would also like them to take off the interest that has accumulated since the payment was not posted when it was suppose, and now has higher interest. I would also like an apology, I have been late to work talking to these people and I have migraines and dealing with this makes me sick. They work with the Department of Education, they should care more about this considering I do not even have to pay my loans back yet and I am. I am also not paying minimum payments, I am paying $200.00.

Business

Response:

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

Review: In attempting to pay off my student loans early, Navient has utterly failed. When I try to use their website (which the phone number directs me to), they do not even allow me the option on any of my federal loans. And when I try to process over the phone, they disconnect me. The college loan system is so utterly absurd that in order to continue to collect ever increasing accrued interest Navient has built a system that doesn't allow someone who has saved money to pay off their loans to actually pay off their loans. Utterly despicable. Follow on actions will be to engage the services of an attorney, as I cannot be the only one being screwed over by this fraud and disgrace of a company.Desired Settlement: Quite simply, allow me to pay my student loans.

Business

Response:

A representative from the Office of Customer

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

issue with the customer.

Review: This company mis-appropriated my pay-off payment by taking $10,653.50 from me without notice and with no reason. Navient (previously Sallie Mae) has mis-applied a check that I sent to pay off my student loan with them. I first called this company and asked for the the payoff amounts for each of my student loans. I then sent a check in the amount then advised, for $25,764.21. Navient only applied $15,110.71, and the other $10,653.50 has vanished. This company has mis-appropriated payments that I have sent them in the past, but this is beyond what I would expect from an organization that is and has been affiliated with the US federal government. I will be taking civil action against this company and I have submitted my complaint to the federal regulatory agency responsible for matters concerning criminal practices by student loan companies. I have been assigned the following case number for this action: 1-[redacted]Desired Settlement: There is a clear systematic, intentional attempt to mis-apply payments within this company. This company has attempted to take advantage of me in the past with similar scams. It is shameful that the US federal government would be aligned with a company that has such systematic criminal policies in place. This time this company has taken over $10,000 of my money and I would like to request that justice be served. The Revdex.com website references a settlement recently held against this company for misleading, predatory and deceptive practices. In my case, they have stolen over $10,000 from me. This is completely unacceptable and I am demanding that my loan pay-off be applied appropriately. I also demand that punitive damages be levied against them and I also demand that the highest level of criminal charges be applied to them for this deception and theft.

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.