Navient

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.

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: 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 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 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: 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: 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: 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: 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 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: I have requested that this company send me all bills and correspondence through the US Postal service and not online. They have acknowledged this request 9 times but never send me anything in the mail as I requested. I have specified this request numerous times and they have continued to refuse to send anything in the mail. I have called to complain and nothing is resolved. This company was spun off from it's parent company Sallie Mae because customer service was poor. Navient is even worse than Sallie Mae. Navient has not once worked with me, and harasses me so much I have had to block their number. I have told them when I am available to talk and they call me all hours of the day and even early one on a Sunday Morning. I am so sick and tired of them not working with I don't know where to turn. I have tried to file a complaint with the CFPB but they told me lack of communication from the student loan lender to me is not a valid reason for a complaint. I find that to be unjust as it IS a valid reason. All I want is my simple request that I have asked for so many times to be honored.Desired Settlement: I want a formal apology, from the ENTIRE board of directors for their absolutely horrid customer service and not following my request for a hard copy of ALL correspondence sent to me in the mail. I want the top of the company to see how terrible their company is for service and I want them to take responsibility for their lack of follow through. I will NOT accept any other resolution at all!

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 28, 2015. Please allow sufficient time for postal delivery.

Review: I paid off my Sallie Mae/Navient Bill in May of 2014. Sometime in July of 2014, I received a refund from Sallie Mae with an explanation that I overpaid my loans. Then in the fall of 2014, I started receiving bills and phone calls for the $100+ interest. I called to have the issue resolved, and they explained that I had owed money. When told them that I had paid off my loans and had been refunded $100, they explained that they accidentally credited my account with some unfortunate woman's payment. So I ended up speaking with a supervisor. The result of that call was that it was going to be forgiven. After this phone call, I still was receiving collection calls, both to my home and cell phone numbers. I called back; they apologized and said that the request was in (it would take some time to be reviewed and forgiven) and that they weren't sure why I was getting phone calls. A few more weeks go by and I call on 2/13/2015 because I was STILL getting phone calls. I explained how the debt is supposed to be forgiven. Agent said that they sent over a different account for review, which had a balance of zero. So there was no debt forgiven, because they didn't think there was a debt. So now the loan is supposedly going to back to be reviewed and they have to submit a correction for my credit report. Due to the fact that this is supposed to go to another department for review, I have no way to check on their progress to see if the CORRECT action is taking place.Desired Settlement: Forgive the debt, stop calling me, and correct this discrepancy from my credit report. and contact me in writing to let me know that all of this has been completed.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on February 13, 2015 and resolved the issue with the customer.

Review: I am being harassed by Navient. I pay loans monthly and they call me up to 7 times a day because they claim I defaulted on my loan. Navient restarted payments on my loans without notifying me which automatically put me into having late fees. I continue to pay my loans monthly.

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.

Consumer

Response:

Review: Since Navient took over the processing of my student loans in July 2013, I have consistently sent checks through my bank to two different addresses, at the behest of Navient. I have confirmed on multiple occasions with my bank that indeed I was sending two separate checks to the two requisite addresses (one of them a [redacted] and the other to an address in Wilkes-Barre, PA). In spite of this, EVERY SINGLE MONTH since Navient took over they consistently reroute both checks to their Wilkes-Barre lockbox and allocate the separate payments to the smaller of my two loans. I have called repeatedly (nearly every single month) to confirm with a representative of Navient that indeed the addresses I am sending the respective checks to are correct. This month, after I paid both loans early I received TWO SEPARATE letters with the same information, dated three days apart, informing me that I have been informed before that I need to send two separate checks to two separate accounts. I've had reps. of Navient placate me and accuse me of being a liar, even after I have contacted my bank prior to calling Navient to confirm that I am in the right. I am in the right. It wouldn't bother me, except that I always pay more than my monthly payment, but because my checks aren't ultimately allocated correctly until I have phoned Navient and spent upwards of two hours every month sorting it, I am meanwhile accruing interest which capitalizes daily. So all the time that Navient is not allocating the money I send I'm accruing interest on my account that amounts to more than the extra money I send to be put toward the principle. I attempted to call Navient today to sort what has become a monthly issue, and was informed by the recording of the company's hours (which I was calling during) that their offices were closed, with no explanation as to why. It was during their regular business hours.Desired Settlement: I would like Navient to be held to task for what is at minimum sheer incompetence and at worst purposeful deception. I cannot be the only person experiencing this problem and we all deserve to have our government-issued loans serviced in such a way that when we actually make our payments every month and pay more than required, we are rewarded by an interest rate reduction and the knowledge that Navient isn't employing unsavory tactics. Barring a reduction in interest, I would like for Navient to face a formal inquiry into the matter and a possible fine (which they should not be allowed to then pass on to the borrowers they oversee). 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 July 9, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

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: 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: I have been a customer with Sallie Mae (now known as "Navient") since I was an undergraduate student in 2007. Despite financial strains, I have managed to give consistent payments toward my loan for 15 months from January 2014 - March 9, 2015.

Over the last couple of weeks, I have received constant, incessant automated calls from Naviet/Sallie Mae -- despite my most recent payment on March 9th. Sometimes when I answer the calls, I get a representative. Other times I get a machine. Other times I answer and get immediately hung up on. When I returned the calls on 2 occasions, just to find out why I'm receiving the calls, the representatives who answered put me on hold and never returned... both times.

This behavior feels a lot like harassment. These constant calls, especially while I'm at work, make me very uncomfortable and anxious. I have been a consistent payer for over a year and I don't understand why I'm being treated like someone who has delinquent payments.

I notified the company via social media that the constant calls were making me anxious. I received an email response from Jenn on the social media team around 1pm today. She said they would temporarily stop calling. I've received at least 3 automated calls since that time (it is currently 3:55pm).

This is unacceptable and unfair.Desired Settlement: I would like for the company to stop contacting me so much. I'd be happy to call and resolve the issue, whatever it may be. However, I started getting these calls 2 weeks after my last payment and it is totally excessive -- especially for someone who experiences anxiety.

I want Navient to treat me like a valued customer and stop treating me like a delinquent payer.

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 17, 2015. Please allow sufficient time for postal

delivery.

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.

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: The loan company, Navient, is lying about their Internship/Fellowship Deferment program. They did not want to accept my deferment paper because their lack of understanding on how my internship deals with my career. Frankly, it seems like they do not want to accept my deferment because they are money-hungry. However, this internship helps me get the type of job I need in order to pay them back.Desired Settlement: They need to accept my deferment papers due to their customer service personnel lack of understanding.

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 16, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Navient, I had to pay you 50 dollars for a forebearance. So, I reject your response because it does not address our issues.