Navient

Review: This is my second complaint with Navient. A few months ago I had the same problem that I am going to describe. It is the fifth time the same issue has happened with my student loan! I have 2 pages on my student loan, my monthly payments have been applied to the wrong page of my loan making me delinquent on my payments. The last time, they actually told me that I would not get the money back and would have to repay. That is when I contacted you, the next day my money was applied to the correct page of my loan, so thank you. Unfortunately it has has happened again! I paid over the phone in January for two months. 1-1-15 $213.24 came out of my account. I called to pay my loan today, was told by [redacted], employee #e[redacted] that I was 75 days delinquent. I stated the paymemt date and amount and he told me that the payment went to the wrong page again! He was rude, gave me the wrong address when I asked, and told me there was nothing he could do for me. Transferred me to [redacted] who gave me a social security number for someone instead of her employee number when I asked. She told me that she did not have a boss and that I could only speak to her in regards to my account. As of this time, Navient is stating that I owe them over $400! I make my payments monthly so that I can keep in good standing. Also, from my last complaint, Navient was suppose to send me copy of my file so that I was sure the notes were put in stating that I was NEVER delinquent on any payments and that the delays were of no fault of mine. I never received that although several attempts were make on my end. I do not know what else to do with this issue. I am an LPN and work full time trying to make ends meet. I do my best, but when you deal with companies like this it is very frustrating and sad. No one should have to go through this just to pay off a student loan with their own hard earned money! Why should I be punished for their mistakes? It just comes down to applying MY money to the correct PAGE! Doesn't seem hard. HELPDesired Settlement: I would like my payment of 213.24 applied to my account for 1/10/15 when it came out of my bank account. I would like my account file noted that again the delinquency was of no fault of my own. I would also like to receive proof of that!

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 18, 2015. Additionally, we will continue to work with the customer directly to resolve the issue.

Review: I have been paying off my student loans through FMS and have dealing with a reasonable person there, [redacted] for a good year. Last week, I received a phone call from Mrs. [redacted] from the Internal Recovery Division of Navient. She was nasty, rude and kept threatening me and also asked for personal information. Today I phoned Ms. [redacted] to verify that she was no longer on the account and she confirmed that it was. I phoned Navient to make arrangements to pay my debt, got this "creature" again and she again started her threatening and harassment tactics. I asked for a supervisor and she refused to connect me to one and refused to give me a no. for a supervisor. Under no circumstances will I deal with such an unethical professional bulley like this woman. I would like to continue paying my bills at the amount agreed on and to deal with Ms. [redacted] at FMS again.Desired Settlement: As stated above, I would like to continue to pay my bills at the amount agreed on and to deal with Ms. [redacted] at FMS again. 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 April 23, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: Fraud Department will not respond to numerous calls and complaints. Sent certified letters and left phone calls requesting fraud packet be sent to me. No response.Desired Settlement: Want fraudulant loans removed from my name. Want fraud packet sent to my home address

Business

Response:

A representative from the Office of Customer

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

issue with the customer.

Consumer

Response:

Review: I have been in the repaying process to pay down my student loans with 'Navient'(formally known as Sallie Mae Services) I have been in auto-debit with Navient for about a year now. My repayment payments should always be 110.00 USD. I have been receiving email confirmations and reminders that I have paid my monthly amounts. Recently, for the month of June payment, Navient did not auto-debit my account nor did they notify me about the reason as to why they will not auto-debit my account. I contacted Navient on July 1st, 2015 to ask them why my account was not auto-debited on June 26, 2015. Their response statement was that there seemed to be a storm that hit Texas and therefore they did not auto-debit my account. I have not nor did I receive any notification of this change via email, mail, text message, or phone. Therefore, I inquired whether this would affect my monthly payment would now change, as well the auto-debit date. Their response was that nothing will get affected or change. On July 3, 2015 I received 2 emails, one stating that I have a forbearance change on my account and another stating that my payment amount would change to 86.27 USD. I attempted to contact Navient today, July 3, 2015, and went through the automated machine voice to where I heard my statement balance and stating that I will be auto-debited on July 26, 2015 for 110.00 USD. I feel misled and it properly informed about everything in regards to Navient. I would like to continue making my payments as agreed upon on the dates as previously stated on my account. If there is a change, I should be informed right away in writing or by phone.Desired Settlement: I am looking to get this taking care of with having the right details explained to me. I'm tired of talking to different representatives that's are not properly trained and are giving me inaccurate information. All I want is to continue to pay my student loans without having any interruptions. I want that piece of mind that they are deducting the right amount and giving me the right information. It's difficult to deal with different reps giving me different answers. Thank you for your time and patiences and hope to hear back from 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 July 14, 2015. Please allow sufficient time for postal delivery.

Review: Ever since January of I have had nothing but problems with this accountThis first started when I faced a personal hardship and asked to do a forbearance on my loansThey were applied to all my loans except I gave them my personal checking account number to have them take the payments out on a scheduled payment, being told I could change the payment without any problems after I got caught upEven though it was extremely hard for me to find money during my unemployment time, I made sure to make this a priority for my account
I than proceeded to change my payment date, where the next month they took out paymentsAfter many pain staking attempts and "uploading documents" to their website to even talk to the right personI finally talked with an account manager who told me I would get reimbursed for the overdraft fees charged for unplanned withdrawals to my account told me to send my proof of my account information to her, gave me her email address, doesn't work and I was never reimbursed for the overdraft payments that accrued and the payments didn't stop as promisedI called them and my bank and told them they did not have my permission to take money out of my account automatically anymore and still they proceeded to take money out of my account without my permission as a check instead of an debit payment
As they continued to take money out of my account I had to end up having to do a whole account conversion changing my whole account information to make them stop the auto payments as calling them to stop wasn't enoughThey sure had the means to take the money out but didn't know how to reimburse someone when it came to taking too much money
Afterwards, they would not take ANY of my payments from my account but my other navient account wouldI would call and no one would know what I was talking about or couldn't see my payments or the correct departmentSo I finally sent a payment to the listed payment address on the website and even uploaded a document to tell them to please apply this to my loanThey applied my payment to a different loan, still leaving me behind
Now they say they don't get my documents I upload? I asked to speak to a manager today who gave me her the personal address that doesn't work, againI cant seem to get a resolution to my problem and keep accruing interest for something that isn't my fault or someone who seems to know how to help me? When I send payments and even mailed them and keep getting the same run around and answers that aren't fixing my problemsDesired Settlement: I need to have a solution to be able to make paymentsI need to be able to get in touch with someone who can help me and is properly trained to help my problem, this isn't fair to someone who is struggling trying to make things work and getting reported on my credit for non paymentsI also feels its unfair I accrued interest when I have made payments to my other Navient accounts without any payments from my same accounts without any problemsAlso how is it that my documents are being uploaded with the same process, same scanner and same file but this part of navient cant get my documents? It feels absolutely criminal how this business is ran
Business
Response:
Thank you for
your messageIn 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 12, Please allow sufficient time for postal
delivery
Consumer
Response:

Review: I have been having financial problems. Navient calls me several times per day! Their collection people are rude and have threatened to call me several times a day until I pay my bill. I have always caught up with payments, but I do not wish to be contacted by them via phone again. I have requested this, and they have refused to comply with my stated wishes. I believe that this is an extreme form of harassment and a violation of my civil rights. I also work out of my home, and having to answer the phone several times a day (or evade their many phone calls) is impacting my job.Desired Settlement: I wish no further telephone contact with this business, in perpetuity.

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 2, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: Navient formally known as Sallie Mae, charged me for several loans that they are stating are mine. I have mailed documentation and confirmed via phone with agents of Navient formally known as Sallie Mae that these loans under account number [redacted] are not mine. Several agents of Navient even told me that these loans are not mine, but they continue to give me the run around to have them formally taken off my credit and restore my credit score.Desired Settlement: I would appreciate your assistance in righting the wrong done by Navient formally known as Sallie Mae. There are three loans that they have put on my credit and show that I am the co-signer and or co-borrower. I have never signed for nor do I take any responsibilty for these loans under account number [redacted]. Navient formally known as Sallie Mae, charged me for several loans that they are stating are mine. I have mailed documentation and confirmed via phone with agents of Navient formally known as Sallie Mae that these loans under account number [redacted] are not mine. Several agents of Navient even told me that these loans are not mine, but they continue to give me the run around to have them formally taken off my credit and report. I know that if they have impacted my life and financially black balled me, they have done this to others.

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.

Review: I originally had all of my student loans with Sallie Mae, but experienced an excessive amount of billing issues. When I called Sallie Mae's customer service to inquire on a fee or a discrepancy in my account, I always received different, invalid information. After years of trying to resolve issues with my account, I finally gave up and consolidated all of my loans with the US Department of Education directly - Direct Loans.

I had been on an income based program which requires a $0.00 payment and that is why I had not made payments during the period they state that I was late.

Months after the consolidation I began receiving calls from Sallie Mae regarding a past due account. When I spoke to the representative, they informed me that I was months late on my account and that I was over $7,000 past due. I explained that my loans were not with Sallie Mae and that I was on an income based program which required $0.00 payments. She told me that they were transferred back to Sallie Mae and that the name of was changed to NAVIENT. I was extremely confused with all of this information and asked why I was so past due. She found that she had given me the wrong amount and was very confused about the amount herself (If proof is needed, she advised that call was being recorded). I told her that I did not want my loans with them due to many previous issues, but she said that I had no choice. Please note that I had previously reported Sallie Mae to the Revdex.com and Dept of Education August of 2011.

I have been trying to dispute these derogatory marks since the issue was brought to my attention. My credit report now states that I was 120 days late on this NAVIENT account due to this matter.

Please note that I have submitted a claim to the Department of Education and my loans are currently under investigation covered by the new law for Corinthian Students who were victims of fraud and other violations of state law. I would like to to avoid taking legal actions and am hoping this is resolved.Desired Settlement: My desired outcome is to have the late marks during 2014 of 120 days past due deleted from all 3 credit bureaus.

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 1, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: Navient stated that I owed over 150,000 in student loans but could not provide me with records. Navient told me that I could not have access to my account to see what I was paying for after I had already setup payment plans. I have also learned that when my parents filed for bankruptcy the account was frozen and they would not allow me to make payments on the loans. I was also told while in bankruptcy status the loans did accrue interest, which does not make sense. I really need some help with understanding what is going on.Desired Settlement: I need to know what the actual charges are, why I cant access my account and if I should hire an attorney to fight the four years my account was frozen and they would not allow me to make 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 October 2, 2015. Please allow sufficient time for

postal delivery.

Review: I had two loans with USA Funds. The loan went into default because I was have financial issues. I lost my job and when I found another one Navient notified my employer that I was in default and started garnishing my wages. I contacted the US Department of Education several times trying to make payment arrangement but they informed me that the garnishment order had been rescinded when lost my job and applied for unemployment. It took several months before I found out who was garnishing my wages. In May, I was given USA Funds and they gave me a number to call, then the person that answered gave me another name and number to call before I found out Navient was garnishing my wages. The representative was rude and told me they didn't notify me before the garnishment and that I needed to get a lawyer and sue. In July the garnishments stop. I was sent a letter that the loan was paid out but the amounts did not match the original loan or the amount of interest from the 1099E sent in for 2014. The loan was about $2000 but the payment history has the loan at $2601.14 interest $106.66, Collection $629.23, Total paid $3,339.03. But the 1099 E from 2014 had interest paid $592.49. The Letter sent in September 08, 2015 after the loan was paid had the total loans amount $1834.00 and $290.00. On November 4, 2015 I received a letter from IRS that $800 was intercepted by USA Funds for these defaulted student loans. I am afraid that if I don't file a complaint they will again garnish my wages and they have already taken more than I owed in the first place. I filled a complaint with the Dept. of Education but were no help.Desired Settlement: They have garnished my wages for more than was actually owed and a refund is required plus releasing the $800 that has been sent to them intercepted from my income tax.

Business

Response:

Thank you for

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

Navient responded directly to the customer via US

Postal Service on November 11, 2015. Please allow sufficient time for

postal delivery.

Review: I have been going round and round with this company over a payment I made, which they received as verified by my bank (PNC BANK). They show no payment

I sent an electronic payment to Navient on 12/4/2014 in the amount of $166.54 from my PNC bank account. PNC verified that the payment was received and he money was withdrawn from my account. I've had numerous exchanges of communication with Navient both electronic and phone conversations including a conference call with PNC Bank trying to resolve this issue all to no avail. Naivet�© claims my payment was sent to Sallie Mae and applied to my son's loan. I am being charged late fees and cannot get resolution.

Their customer service representatives keep me on hold for an eternity and still, after a month of haggling, I have no resolution. I've been assessed late fees as well. This is a nightmare.Desired Settlement: I would like this company reprimanded and my late fees returned

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 20, 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: This company has misapplied payments on my accounts starting in November 2014. I have been working with representatives since January 2015 to get the error resolved. They have told me that the error has been corrected but when I requested a detailed account history to verify this they have been unable to complete my request. It has been over two weeks since I requested the account history. As of today they still have not completed it and advised me it would be another 7-10 business days. It should not take 6 months to correct an issue made by the company not the consumer and it shouldn't take a month to provide a detailed account history.Desired Settlement: I want someone to reach out to me and take ownership of the issue. I want to be assured my account has been corrected and I want to see proof that the error was fixed.

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 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: In 2005 when I left the US Navy I enrolled in [redacted] Culinary School. When I was enrolled I got invovled with a stundent loan I never needed because my G.I. Bill could cover the cost of the classes. I have been cleared of owing the school any money and was given a refund due to them over-charging me after I had left the school due to an injury I revcived.Desired Settlement: I would like for the Student Loan billing company to take whatever charges and interest off my credit report.

Life after the Navy has been tough, I haven't had the best of luck finding stead employment and I have been out of the job for the last seven months though I have been searching everyday. Having these charges on my credit report just adds 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 May 6, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this Response is from the company is fine. I don't find the issue resolved yet.

Review: I have been paying all my student loans to sallie mae. federal loans for the last over a year, and the private loans for the last 4 months totaling $1800, and I have the proof it was paid to them on my bank statements. I call and ask sallie mae if im current on all of them and they tell me yes I am, but I just checked my credit report and for the last 4 months and theyre lying and reporting to all three credit bureaus that im still not paying. im trying to do the right thing and pay off my loans, but I dont think its right that im paying yet its not reported truthfully to the credit bureaus.Desired Settlement: I want my credit report fixed and showing that everything has been paid on time for the last 4 months. on my three credit reports from all three credit bureaus should show that im current on everything. and if they wont report things truthfully, then I want my $1800 refunded back on my debit card they took it off of immediatly.

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.

Consumer

Response:

Review: Made payment arrangements to pay my student loan bill with this company. On 11/4/14 the company took 164.01 and on 11/5/14 it turned around and took another 164.00. On 11/5/14 I called and spoke with Ms. [redacted]) and they stated they would credit back my account 164.01 and that it should take 2 business days. As of today there has not been a credit made to my account. It took them 1 day to get the money it should be added back to my card the same day.Desired Settlement: I have allowed enough time for this company to put my money back in my account. I have now lapsed on my car insurance due to this problem. I would like my money added back to my card asap or I will be in contact with the Attorney Generals office about this problem. This does not need to happen. They harass us to make a payment and then they are unwilling to pay us back what is rightfully due. I have to pay my other bills and I'm sure they are not willing to give me the fee to reconnect my auto insurance and I am not sure I will be able to obtain future insurance with this company due to their error. Something has to be done to these type of lenders that act like long sharks.

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 18, 2014. Please allow sufficient time for postal delivery.

Review: I have two small student loans with [redacted]. Since my loans were do, I have made more than the minimum payment, on time. This has been for about four years now. This used to occure about every six months, but has become a monthly issue, with the way that my payments are allocated betweent the two loans. On loan has a 10.75% interst rate, while the other has 7.25%. I send seperate checks, with the account number listed on each check, and direction for additional funds from each check to be allocated to the principle of the loan. I have had the payments allocated all to one loan, while the occures late charges, and I received 3 plus phone calls a day, telling me I am not making my payments, even after I have called to straighten things out. I also continuously have the payments not allocated correctly in a way, that charges me more interest in the long run. I speak to this company monthly now, an have has no real resolve since January of 2014. I feel harrassed, taken advantage of, and helpless. Being as these are student loans there is not much I can do. This company is not at all out to help students obtain an education, but to push people to points where they allow themselves to be taken advantage of.Desired Settlement: I would like my payments to be correctly allocated, each time, without a phone call from me. Or I would like the loan to be released and no longer have to deal with a company so horrible. Because at this rate, I will never get out.

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 9, 2014. Please allow sufficient time for postal delivery.

Review: EARLIER THIS MONTH, I PULLED MY CREDIT REPORT FROM [redacted] AND NOTICED THAT ALL OF MY LOANS WITH SALLIE MAE, NOW NAVIENT, ARE SHOWING UP AS HAVING AN ISSUE. BASICALLY SHOWING TO HAVE A NEGATIVE IMPACT ON MY CREDIT REPORT. SO ON NOVEMBER 6TH, I REACHED OUT TO NAVIENT TO ASK AND CONFIRM THAT MY LOANS WERE IN A DEFERMENT OR FORBEARANCE STATE DURING THE TIME WHERE THEY SAID IT IS SHOWING LATE ON MY CREDIT FILE. THE REPRESENTATIVE CONFIRMS THAT IT IS SHOWING THAT I WAS IN A FORBEARANCE DURING THIS TIME (2009 AND 2010). I ASKED THE REP TO SEND ME DOCUMENTATION SHOWING THIS INFORMATION. SHE SAID THAT SHE WOULD HAVE TO PUT IN A REQUEST TO HAVE IT SENT TO ME AND THAT SHE DID AND THAT IT WOULD TAKE 7-10 BUSINESS DAYS. I LET HER KNOW THAT I WANTED IT EMAILED TO ME. SHE CONFIRMED MY EMAIL ADDRESS AND SAID THE REQUEST HAS BEEN SUBMITTED AND I SHOULD GET AN EMAIL SOON AND WE ENDED THE CALL. ON NOVEMBER 18TH, I CALLED BACK AND SPOKE WITH MYRA. I WAS CALLING BACK TO ASK WHERE MY DOCUMENTS WERE BECAUSE I HAVE NOT RECEIVED THEM. SHE THOUGHT IT WAS FROM MY DISPUTE FROM THE CREDIT BUREAU AND STATED THAT THEY HAVE 30 DAYS. I TOLD HER THAT I REQUESTED THIS DOCUMENTATION BEFORE THEY RECEIVED THE DISPUTE. SHE SAID OKAY AND THAT SHE WILL PUT IN ANOTHER REQUEST AND THAT I WOULD HAVE TO WAIT ANOTHER 7-10 BUSINESS DAYS, BUT SHE WILL PUT IN A REQUEST TO HAVE IT EXPEDITED. I LET HER KNOW WHY WOULD I NEED ANOTHER REQUEST PUT IN AND WAIT LONGER WHEN THE LAST REP SHOULD HAVE ALREADY DONE THAT. SHE SAID THAT SHE WILL JUST DO IT AGAIN IN HOPES TO GET IT SOONER. I LET HER KNOW THAT THE 7-10 BUSINESS DAYS IS ALREADY UP BUT I WOULD GIVE THEM TIL 11/21 AND I SHOULD HAVE MY DOCUMENTS IN MY EMAIL. WELL TODAY IS 11/25/2014 AND I STILL HAVE NOTHING. SO I DECIDED TO REACH BACK OUT AND THIS TIME I GOT PETER ON THE PHONE. PETER CHECKED ON MY REQUEST AND SAID THAT THE LAST TWO REPS DID NOT SUBMIT THE REQUEST AS THEY SHOULD HAVE WHICH I THINK IS INCORRECT BECAUSE HOW WOULD HE KNOW THAT I REQUESTED IT. IF THEY DIDNT SUBMIT IT, I WOULD THINK THEY WOULDNT EVEN BOTHER TO UPDATE AND NOTE MY ACCOUNT. SO HE IS SAYING THAT HE WOULD SUBMIT IT. I DIDNT TRUST THAT HE WOULD AND HE SAID THAT I WOULD HAVE TO WAIT ANOTHER 7-10 BUSINESS DAYS. I ASKED TO SPEAK WITH HIS MANAGER AND SHE SAYS THE SAME THING AS PETER. AT THIS POINT I AM SPEAKING TO TRACI. SHE SAYS THAT SHE IS A SUPERVISOR AND THAT SHE WILL SUBMIT THE REQUEST AND THAT IT WILL TAKE 3-5 DAYS TO GENERATE THE DOCUMENTS AND ANOTHER 7-10 DAYS FOR MAILING. I TOLD HER THAT I HAVE ALREADY WAITED 3 WEEKS. SHE SAID THAT SHE UNDERSTOOD BUT THATS ALL SHE CAN DO. I LET HER KNOW THAT I WANT THEM TO BE EMAILED TO ME INSTEAD AND SHE SAYS THAT SHE CAN NOT DO THIS EITHER EVEN THOUGH THE FIRST REP SAID THAT SHE COULD. I AM BEYOND FRUSTRATED WITH THIS COMPANY AND THE REPS. I JUST WANT MY DOCUMENTS PROVING THAT I WAS NOT 90 DAYS LATE ON AN ACCOUNT. IF YOU LOOK AT MY CREDIT FILE IT SAYS OCTOBER NOT LATE, THEN ALL OF SUDDEN THAT VERY NEXT MONTH IN NOVEMBER I AM 90 DAYS LATE. THAT DOESNT EVEN MAKE SENSE. IF I WAS 90 DAYS LATE THEN I SHOULD HAVE BEEN 60 DAYS LATE IN OCTOBER, 30 DAYS IN SEPTEMBER,BUT THAT ISNT THE CASE AT ALL. I ALSO ASKED FOR CORPORATE'S NUMBER AND TRACI PUT ME HOLD ATTEMPTING TO CONNECT ME TO HER SUPERVISOR. I HAVE BEEN ON HOLD FOR NEARLY 30 MIN NOW AND COUNTING....Desired Settlement: I WANT MY DOCUMENTS SO THAT I MAY HAVE PROOF THAT THEY ARE APPARENTLY NOT PROVIDING THE CREDIT BUREAUS AND I WANT THEM TO UPDATE ALL OF MY CREDIT FILES WITH THE CORRECT INFORMATION SO THAT MY LOANS WILL GO INTO THE POSITIVE STATUS AND STOP AFFECTING MY CREDIT AND MY FUTURE. THEY SAID IT THEMSELVES THAT MY ACCOUNT WAS IN DEFERMENT/FORBEARANCE DURING THIS TIME SO PROVE IT AND FIX IT. AND RETRAIN YOUR REPS.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 1, 2014 and resolved the issue with the customer.

Consumer

Response:

Review: A Navient employee informed me on 1/13/that a cosigner release form was available for me to access on my account and said everything looked good to goSafe to assume, I could wait until I had all of the proper documentation in my hands, W-2's from jobs, to submit my applicationI called on 1/30/to find out how to access the documents, as I could not find them on my online profileI was told by two different representatives, one of which was a supervisor, that I did not qualify for the cosigner release due to my one day late payment in 12/The payment was due by 12/18/2014, but I submitted my payment on 12/19/When I explained my personal situation and what was happening, nothing seemed to changeEven when I explained that I was misinformed on 1/about the form and being "good to go", all he could do was apologize and say that even though I was misinformed, they had to follow protocol and there was nothing they could do to help meI am floored by this kind of serviceSallie Mae, the company that transitioned some customers over to Navient, would have and have before helped with issues, that were far worse than thisI find it hard to believe that one day when I am going through lots of personal stress, none of which is financial, as shown by my 2+ years of paying bills on time, that they cannot help me out in my time of need when I have given them thousands of my hard-earned dollars to get nowhereThank you Navient for not being humanYou fit this world just right.Desired Settlement: I want them to allow this one-day forgiveness after seeing my good record of on-time payments and, because I was misinformed, make this a priority
Business
Response:
Thank you for your messageIn 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, Please allow sufficient time for postal delivery
Consumer
Response:

Review: I have never signed any form or had a business dealing with a company known as Navient. Although, based on my internet searches I believe it may be related to my son's student loans. Note: his loans were recently in deferral due to unemployment so no payment was required. However, this organization called me on the phone incessantly and asked to speak with me by name. When I identify who I am, they then ask for my birthdate and social security number information. This is a tactic called phishing and is a practice that they need to stop, afterall, they did call me. I once asked their representative for the same information he asked of me and he refused to give it up, so they know what they are doing is an improper practice. In addition, since I would not give them this information they threatened to damage my credit report which they followed through with. They made no attempts to identify who they were or why they wanted to talk with me. Saying they could not give out this information since I refused to give up personal identifying informatin to them.Desired Settlement: I wish them to discontinue the practice of phishing for information from people whom they call and then damaging their reputation if the person follows generally accepted personal information privacy rules. I also want them to remove all damaging information from my credit report. This was their fault and I should not be penalized for their improper business practices and also in this case the loans were in deferral.

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 6, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: Navient formerly Sallie Mae is a student loan company. They changed their name last year but lead customers to believe that they were bought out by another company. The name change I believe was to hide all the complaints against them. This company has the worst customer service. Not only is it almost impossible to get someone on the phone to help you, if you speak to more than one person about a matter they tell you different things. I had to speak to 6 different people just to get my payment date changed. When I finally got the date changed, I was told that my payment was $40 more then I had agreed to. They change payment amounts without informing customers and will only enter into payment plans if you agree to automatic debit from your bank account which gives them full access to your bank account and allows them to take any amount they want. Last year they took 4 months worth of payments at once. Draining my account. Paperwork that I've received from them has no payment amount on it, it just says agreed monthly amount but they have changed that. Now I cannot get them to stop the automatic payments and they have full access to my account. I don't know what else to do! This company is awful and I really wish I had never taken loans with them!! It appears that they have only been applying my payments to one of my loans and I owe them more now because of interest then my original loan. Where has all the money I've been paying them gone? How can I owe more after years of paying then I originally borrowed? They have also been calling me at all hours of the day and night as well as calling my job, I work in a hospital and that is very distracting and not ok. They have also called my friends and neighbors how they got their phone numbers I will never know.Desired Settlement: Something needs to be done about this company!!! They need better customer service. When you owe them a payment they call all hours of the day and night. They also cannot contact my friends and neighbors or my job. It cannot be legal to just change payment amounts without the customers agreement. If this continues as it is I will contact a lawyer and file a class action.

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