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Navient Reviews (807)

Review: I spoke with a representative about being unable to pay my private student loans because I had just finished Grad schoolSince the loans were from my undergraduate degree, and can no longer go on deferment, I was told based on the little income I make, there was nothing that could be done for meI requested to speak with a supervisor, who ended up being a bully and making me very upsetHe asked if I had just returned from a trip overseas, why didn't I apply that money to my loansI explained the trip was a presentHe then proceeded to write down my monthly bills and ask how I have been "making it." I explained, and when he couldn't find proof that I was behind on my car payment, he implied I was lyingFurther, he made me a "deal" and said that I had to pay an amount similar to my car payment, and that my student loans took PRIORITYI said if I had the money, I would pay the amount he offered! He said I need to ask friends and familyThat I needed to borrow the money some howI explained I ran out of resources, even emptying out my retirement fund to make it to the next month! Eventually I took the deal, hoping I could get the the requested amount togetherI was unable to, and now am out of the hardship program from NavientNow I receive phone calls at least times a day, everyday, including Sundays – from Wilmington, DE and Stanton, PAEven if I get a job, what I owe, I can't payI'm almost months behind now, and they will NOT work with me - or understand my situationI filed a complaint against the supervisor I spoke with, he said they would only review the tapes and have a conversation with the supervisorThis has been a horrible ordeal, and gives me bad anxiety whenever I have to speak with a representative.Desired Settlement: I would like for Navient to work with me on my payments so that I don't have to be a student the rest of my life, I don't have to have any more dings on my credit, and I can hopefully one day own a house – instead of feeling like my private loans will never go away!
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 September 17, 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: 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: I had called Navient in regards to a forbearance, which is defined on their website as ," allows you to temporarily postpone your payments. It's offered to assist you in times of need. You are responsible for the interest that accrues during forbearance. If the accrued interest is not paid during the forbearance period, it will be capitalized (added to your principal balance)." When I called Navient on September 17th, 2015 at approximately 1:15pm to request a forbearance (due to some private financial issues) I was then told that I would have to pay $50 per month, per account.

They did say this was, "not a fee" but just to ensure that the forbearance would be issued.

By the definition of a forbearance on their website, there was no mention of payment required while in forbearance, and their definition in fact, states the opposite in which no payment is supposed to be made. This is a false explanation on their website, and when dealing with them in the past, there was no such issue (when they were called, "Sallie Mae"). I have other student loans with My Great Lakes that are currently in forbearance in which do not require any payment to "ensure" the forbearance.

In all of my paperwork received by Navient in the past, there was no mention of this $50 charge. The explanation of the person from the company of the $50 was "not a fee, but to process the forbearance." Isn't this situation a complete contradiction? I am asking for a service to temporarily postpone payments, that accrue interest, but still required to make a payment in the meantime? That, and there is no mention of this "charge" (not fee, they don't like the word "fee") on their website, paperwork or billing?Desired Settlement: I would like to put my loans in forbearance as the definition on their website, "allows you to temporarily postpone your payments. It's offered to assist you in times of need. You are responsible for the interest that accrues during forbearance. If the accrued interest is not paid during the forbearance period, it will be capitalized (added to your principal balance)," without a "charge" that would be "added to the account."

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on September 21, 2015 and resolved

the issue with the customer.

Review: I stared paying my loan prior to finishing school and few times my mother send check to help me with my bills a nd some checks were cashed and some returned to her account . Date I graduated school I contacted Navient and a I was told first payment is due 03/01/2015 so we send check and check was send to me . Anyway original loan was with Salle Mae and my interest was not that high Navient is charging me 6.5 % per day I don't have money to pay this bill i"m struggle . Today I called because I log in to my account and I realized on 04/02/2015 Navient charged me interest of $141.00 and principal they applied was $15 . I called and I requested speak to supervisor and I got Sean .I told him on 03/01/2015 I log in to m y account and amount due was $17 and I paid if they will ask for $156 I will pay that , so I was trying explains my self he used disadvantage I have accent and he was not want to help me . Even I struggle I pay my bills and I think was not necessary to due that charge me of interest of $141.00 and applied only $15 to my principal . I think Navient is the worst institution I pay of my loans with sallea Mae and I never have problemsDesired Settlement: I want correct principal applied to payment for 04/02/2015

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on June 24, 2015 and resolved the

issue with the customer.

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: 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 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: 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: I am in an income based repayment plan, the terms of that plan are that my payment is 31 dollars and some change every month, yet my bill is ALWAYS for 100 dollars or more. The website for this company doesn't let you pay less than your bill, so I am always stuck paying it. I have no money for food because I have to give these people all my money, I signed up for income based repayment because I could not afford payments, yet they keep charging me 3 times as much as I can afford. It's impossible to talk to a representative, they either don't answer the phone or have accents so thick you can't understand them. I am going to talk to a lawyer about this company since it is illegal to change the terms of a contract without consent.Desired Settlement: I want all the money I have been paying over my monthly payment back.

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 24, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I am a gulf war vet and my daughter has a student loan from 2007 which she consolidated to Sallie Mae(now Navient) a few years later. She is working homeless with two kids and now staying with me and just had her car repossessed. She is however still paying Navient according to terms of their arrangement. Navient is calling me trying to collect on the same loan. Two years ago we both were paying them and not even knowing it. I filed a complaint then. Now they are call me everyday with threats but not even talking with my daughter with whom they have an agreement and both parties are adhering too. This is causing me stress. They have already created a credit report problem as I can't get a loan for my son's college. and I am filling a complaint with my congressional leaders as well.Desired Settlement: Stop calling me with a countdown threats of legal action. I am a war vet and this is causing me extreme anxiety. HONOR the Terms you have with my daughter Mya Burton set on Feb 1, 2015 to pay 50$ a month till April 2016

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 3, 2015. Please allow sufficient time for postal delivery.

Review: Starting from the end of February, I signed onto my student loan account to see my payments had gone up from about $180 to $300 (give or take some dollars). So I called to find out why and was told that the repayment plan I had been on expired..? Okay, so I asked if I could renew it and continue paying the payments I'd been making onetime for the last 6 years or so? I was unable to do that. They listed off a bunch of different plans and the lowest they had available was somewhere around $260, OR I could apply for the Income Based Repayment plan and that would be adjusted with my salary. They sent me a form in the mail and put my payment for March on hold until April. The form was very confusing so I called to ask for assistance. I was told I could fill out the form online and submit my pay stubs electronically. I did so and waited a week. Then 2 weeks. I finally called at the end of March to ask if my application had been processed. The first person I spoke to said they were missing a piece and to give it 5 more business days and check again. I waited and rechecked only to find, unsurprisingly, that my account was still untouched. I called again (mind you the call wait time is ridiculous) to speak to someone new who told me they hadn't received a piece of information and to call this other site (a sister company to get everything settled) I call that company and they are CLOSED FOR THE EVENING! By that time, Navient had too closed (I can't call during my work hours), so I waited the next day, outraged! Spoke to a new woman this time who told me the piece of information they had been missing was a simple CHECK BOX that she was trying to override to get the process underway (and with all the time that had gone by my due date was in 3 days!). She told me she expedited the process so that I would be able to make the new payment and not be penalized, however nobody knew what that new payment would be. On my payment due date I log in to my account to see an owed amount of $130.03. GREAT! I make the payment for even higher (the $180 and change I had been making prior to this headache) thinking the whole thing had been resolved. A day or two later I get a message in my account saying that my loan repayment request had been approved and my new payments would be $281.08 for the next year. I am not too happy about that and plan to dispute that, however I just logged in today to see what surprises I would encounter with my account and it now $504.01. I AM BEYOND [redacted], OUTRAGED, STRESSED, YOU NAME IT! I have been a loyal customer to Sallie Mae and then to Navient when they switched me over without my knowledge until it had already happened and I have been nothing but unhappy with the service. This is 100% UNACCEPTABLE!Desired Settlement: My desired outcome would be to go back to the original payments ($180 and change) I had been making before my "plan expired" and before this year began, since that is all I can afford and what I am comfortable paying. That's great that Navient allows you to apply for Income Based Repayment plans, however that does not take into account other expenses. If Navient was my only bill, I wouldn't even have the student loan debt to begin with! I don't want this headache, I don't want my payments to keep being adjusted and I constantly have to babysit my account so my credit score doesn't get screwed up because of this unprofessional business this company is running. SOMEBODY HELP ME ONCE AND FOR 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 May 21, 2015. Please allow sufficient time for postal delivery.

Review: This Navient loan company is mishandling my student loans. Months ago I was asked to fill out forms for an Income Based Repayment Plan and submit a self- certified statement about self employment earnings. I did so according to how I was instructed in the phone by their rep and yet it was incorrect. So they re-sent the forms and I filled them out all over again only to receive letters from them telling me I hadn't done things right per their instructions on the phone that time, too. I don't know what more to do here and I am not wasting any more time on the phone with Navient or postage stamps. They are in Wilkes-Barre, PA but I don't know why their zip code doesn't come up on your site search. It is 18773-9635 on their correspondences to me. Thank you.Desired Settlement: I have attempted to resolve this repeatedly. Please contact them and find out what the problem is. At this point, it looks as though I haven't done all I am supposed to do with my student loan hanging in the balance and that is not the case.

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 1, 2015. Please allow sufficient time for

postal delivery.

Review: Navient just purchased student loans previously handled by ACS. I was up to date with my payments to ACS. I have received notices of this puchase but until this last Friday, August the 7th, have not received a bill. The bill states that I owe $270.12, my customary bill with ACS. Today, Sunday August 9th, I was finally able to access the Navient website and create an account. The online account stated that I was severely overdue and that I owed $302.28 MORE than the $270.12. Again, I just received the bill on Friday and was up to date in my payments to ACS.Desired Settlement: removal of $302.28 in late fees.

Business

Response:

I filed a complaint yesterday, Sunday, August 9th, against Navient. The issue has been resolved and I would like to cancel my complaint. I apologize for any inconvenience. Sincerely, [redacted]

Review: I am a co-signer on a student loan if my son is late - the harassing phone calls are non-stop they call at work and when I ask them not to they call from a different number they call after the bill has been paid and before the next one is due. they call when they can not get ahold of my son.- 7 days a week from early morning toil late at night- Its consumer harassment- My son will pay and has paid- He told me that when his circumstances change as they have recently with his living situation they are completely unwilling to work with him- I find this appalling.Desired Settlement: only contact me if they have spoken to my son and need agreement or if they cannot contact my son- they should text the people in this generation- they will have better results if they are more flexible considering the length of the loan and the high interest rates they demand.

Business

Response:

Thank you for

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

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

Postal Service on October 13, 2015. Please allow sufficient time for

postal delivery.

Review: This company has been told 3 previous times to not contact me at work regarding an unpaid student loan debt. This is to simply go as a hard mark on my credit report. They have been harassing me at work and are now contacting my boss, which is illegal and EXTREMELY unethical. As previously stated, I have already told them I will not repay said debt and they still are bothing me during my working hours at my place of employment. I have told them each time to not contact me again as this is my work number. I will not give them my cell phone number and now they are harassing me.Desired Settlement: To leave me alone and mark this as a hard mark on my credit report. I will not be repaying this loan, nor do I have any desire to hear what Navient has to say/threaten me with.

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 31, 2014. Please allow sufficient time for postal delivery.

Review: Multiple collections and customer service agents misinformed about the reason forbearance was placed on my account. I called in simply asking about the process and was told a month was used without my knowledge. I was told that collections processed the forbearance and was not told the reason why. I was also told that I never late on my bills so it was "impossible" for to have asked for forbearance. Naturally, I asked them to correct the issue and they did. Two days later I received a phone call from collections saying I owed $90. Again, no one could tell me why I was late, but I was told that one of the loans was 50 days late and could effect my credit if it wasn't paid. I paid it and ask for a review of how it could happen. Almost two weeks later after multiple calls and having between 6-10 associates, multiple supervisors, and one manage look through my account I was finally told the real issue. I had asked for a lower payment plan so they processed forebarence on my account to give me the lower payment. However, if I were told that the first time I would have never asked for the issue to be corrected. The last manager I spoke told me nothing could be done since I had already paid the $90. This I find to be completely unacceptable. Before that date if we did not pay on time we had paid early and sometimes more than was due.Desired Settlement: I need my funds back that I only paid due to the misinformation with no penalties or my next payment adjusted and paid for by them.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on April 29, 2015, and we are working with the customer directly to

resolve the issue.

Review: A payment was sent to Navient on March 23, 2015. The office was contacted by my wife, [redacted] when the payment did not post to the account by the beginning of April. The representatives tried to tell her they did receive the payment on April 7, 2015 but that was from a separate payment. Multiple attempts from our banking institution were made to send necessary proof of payment. All parties taking calls disregarded information given to them. On June 24, 2015 my wife again contacted Navient and was told the payment was applied to a "[redacted]" a cosigner on a [redacted]' loan account and the funds were misappropriated. The loan was also transferred and the funds were unable to be recovered. My wife told Navient it was not of her concern how the funds are applied but they needed to go on my account ASAP. As of July 1, 2015 the payment has not posted to account and the supervisor she spoke with has not returned call with a resolution.Desired Settlement: $50 payment applied to my student loan account back dated to March 23, 2015. ONLY acceptable outcome.

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 10, 2015. Please allow sufficient time for postal

delivery.

Review: I have loans through Navient and I have never experienced such an awful experience before in my life. They call every day harassing me about payments even when current and the most recent and big problem is, I called and spoke with a Rep on the phone and set up direct deposit. The Rep assured me everything was set up correctly and even sent me a confirmation showing that the loans would come out of my bank account directly, but as of 6-22-2015, my account went delinquent again and I called their customer service line to get this figured out. I was cycled through the exact same menu 9 times and never was sent to a customer service Rep. Only when I accidentally typed in an extra number did I get directed to their, "higher ups". I spoke with the Rep explaining my confusion and she assured me I would receive a call fixing the problem by today 6-29-2015 without any further delinquency up charges. The Rep called today to try to collect an absurd amount of over due money that wasn't even the initial payment requested. As I spoke with the Rep about waiting on a response to fix all of that, she hung up on me! I am extremely frustrated and infuriated by this company and how disrespectful their workers are to customers like myself and are extremely hostile and unwilling to work out problems they admit to AND cause.Desired Settlement: My desired outcome is; I want them to completely set up direct deposit, refinance my loan payments and completely undo all of these unnecessary over due payments. That was the whole purpose of setting up direct deposit so I could completely avoid this. I feel that this is the least they can do for harassing my family and I for so long and being so down right rude to me. It is not morally or ethically right to pray on and harass people like this company does and I am extremely hurt by their business ethics.

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.

Review: I was in a rate reduction program in with a 6% interest and it was expiring at the end of November So I called for an extension due to the fact that I was still in a financial hardshipI gave the representative, [redacted], my monthly financial statement as is required over the phoneI explain and it clearly shows in my financial statement that I am still in a financial hardship and am unable to pay the full amount under my 9.3% interest rate[redacted] (or K as she was calling herself) told me that the lowest they could go was 7%I explain that I can't pay that much and ask if they can make an exception on a case-by-case basis if I speak with a supervisorWould it be possible for them to allow to me to stay at 6% or 6.5% for another yearShe tells me that it's an exception that they do make on a case-by-case basisShe put me through to her supervisor "[redacted]." What I experienced next I don't wish on my worst enemyThe supervisor was cold, mean and heartless, and it seemed like as punishment for me asking to speak with her, was now raising my interest pointsShe said that the best she can do for me was go as low as 8%I said, but the representative just told me that the lowest I can do was 7% to which she laughed and said, there's no way I'd approve that...i'm changing it to 8%How did it all of a sudden go up 2% points JUST because I asked to speak to a supervisor? How spiteful are these peopleThe entire conversation (which was recorded for the record) she kept tripping over what she said the second beforeShe said the best I can offer you, if anything is 7% and I said so you can do 7%, she said absolutely not, I said 8% I never said She kept interrupting me and barely allowing me to speakI kept asking her to please let me finish what I was sayingShe says we base your eligibility to be in the program on your financial statement and your credit scoreSo I proceeded to plead with her to look at my financial statement that I just gave them and tell me where she sees all of this extra money that I have to give to them as I work for a non-profit and am freelanceShe refuses to do it and proceeds to threaten me to even be allowed to continue on in the programI explain that I am an orphan and thus can't get any financial help from my parentsI have no family members or a spouse who can help me or whom I can live with rent-freeI explained that last year my credit score got ruined, one I worked hard to maintain, because there were months where my paycheck was so low ($300) that I was even behind on my rent but had to make sure that there was enough money in my account for them to take out because it's auto debited (I paid $each month in Auto debiting is a requirement of the rate reduction program)As a result of this I couldn't afford to pay my credit cards because my priority is rent and [redacted] (now Navient)Due to the fact that it ruined my credit score I was denied by two lenders that I applied to this year to try to buy out my loan from Navient just so that I don't have to deal with their heartless employeesI didn't understand how my case didn't qualify for the special case where they do make an exceptionAfter all I had just explained including that both my parents had passed away many years ago leaving me an orphan without any financial assistance during these hard timesHow does everything I just told her not qualify me as a special-case-exception-scenario? When I asked to speak with her supervisor she scoffed and said that he wasn't in and he wouldn't approve 7% eitherI explained that I can't even afford to own a car even though I live in cold Colorado and am forced to take public transportation to work and proceed to explain that I have no lifeAll I do is pay bills and stay home because I have no money to do anything elseThroughout the entire conversation she didn't offer me any help, sympathy or understandingHow someone can be so cruel and heartless as to not treat people like a human being who can't give you money that they literally don't have is beyond meShe even told me that $a week on food is "excessive." How dare she tell me how much I should spend on food according to NavientShe doesn't know my eating habits or if I am a diabetic or have cancer, etcShe should not be allowed to tell customers what's "excessive" when it comes to groceriesI shouldn't have to justify my eating habits and I rarely am even able to eat outThat estimate was just on groceriesShe continues to berate me at which point I do what I normally Never do and break down in tearsShe seemed a little surprised by my reaction and told me maybe she can try to do 7% instead of 8%She then transferred me to the rep that I was speaking with earlier so that she could get my payment information to set it up for 7%When the rep got on the phone she was surprisedProbably because when she last spoke to me I wasn't crying and was talking normally and by the time she got back on the phone with me I was sobbing and could barely speak because of how upset [redacted] had made meI told her that Linda made me cry because she was so mean and berated and threatened meAll I'm trying to do is pay them and I can't give them money that I literally don't haveShe said I completely understand and apologized on behalf of Linda's treatment towards meI told her that it wasn't her fault ad that I could never work for a company that is (possibly) trained to treat their customers this wayWe are not just customers, we are human beings first and foremostI'm not a customer who is late on her payments or is in defaultI just needed some understanding for my current financial situation which if it was up to me, I wouldn't even be in but I am doing the best that I can and trying to pay off this loanI just wanted to remain at 6% for another year so that I can get on my feet
On a side note, when I asked how much of monthly payment goes toward the principal she didn't know and said it varies month-to-monthWeird since i'm not in a variable interest rate plan
If Navient/[redacted] were a person they should be imprisonedSince they have ruined my credit I can't buy out the loan with another company so I don't have to be under their regimeI'm hopeful that Navient/[redacted] will reap what they sow because people have caught on to their lies and injustices and now politicians are involved and are trying to lobby on behalf of the borrowers so that they change their practices
After all that Linda put me through she did nothing for me other than traumatize me over the way that a complete stranger can somehow make you feel worse when you're trying to do the right thing and pay off your loanThere was nothing that Linda was willing to do for me and I will now will be struggling to pay $a month for the next year at 7%I still can't believe how I was treated by [redacted] from the Navient office located in IndianaShe nor any of their employees should be allowed to judge or criticize anyone about how much money they spend on groceries, berate and put down their customers, threaten to kick them out of the program or make them cryI can't believe that such people exist and are allowed to work in customer serviceThey are providing a Disservice as a representative of NavientIf I treated even one customer this way I would be fired from my job and not promoted to supervisor like Navient did with herWhoever is reading this please listen to the recording so you can get some insight into how she treated me and made me feel and not just take my or her word for itAnyone who knows me will testify that I am not a crierIt is extremely difficult to get a rise out of me or make me cry but she succeededPlease contact me with any questions and to let me know if any action was or will be taken regarding this matter
Sincerely disgusted with Navient, [redacted]Desired Settlement: I would like to speak with another supervisor with exceptional customer service skills and who will treat like a human being and not a wallet or robot with no feelings who can work with me to allow me to be at a 6% interest rateBased on everything I wrote above I feel that I qualify as a case exception
Thank you[redacted]
Business
Response:
A representative from the Office of Customer Advocate contacted the customer by telephone on December 18, and resolved the issue with the customer

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Description: Loans

Address: PO Box 9635, Wilkes Barre, Pennsylvania, United States, 18773

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