Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
To Whom It May Concern,
I have received rather an unprofessional response from this office regarding my complaint, case number listed aboveI do not understand, nor do I appreciate, this case being closed when the Revdex.com has not provided me the information they indicate they have that my complaint has been resolved
I respectively request that this Revdex.com provide what "resolution" is indicated in the updated information I accessed online today, February How can you just simply close a case, or complaint, when there has only been one response by the complainant, me???
I have not been given adequate information or resolution, and this office has failed to mediate as they are suppose toThis is unacceptable and will not be toleratedPlease RE OPEN this case
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear belowI received a letter that simply rehashes the same response that they have given me for nearly a year They state in their letter that "defaulted loans are not eligible for a deferment or forbearance, therefore, your request has been denied" That is not my dispute My loans were in deferment for two months prior to them putting them into default status They should have never gone into default It was either a processing error on their behalf or a deliberate action on their behalf Either way, they are in violation of Section 623(a)(2) of the FCRA by refusing to update my reports to reflect the true status This section states that they have a duty to "update and correct" any inaccuracies once they are made aware of the inaccuracies They have never addressed the issue that the loans were deferred so, therefore, they could not be defaulted Instead they simply state that "defaulted loans cannot be deferred" over and over again I would like for them to address the error of defaulting the loans in the first place and to "update and correct" my credit bureau reports to show that there were no late payments in and to dhow that they loans never defaulted
Regards,
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 17, 2015. Please allow sufficient time for
postal delivery
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 19, 2016. Please allow sufficient time for postal
delivery
A
representative from the Office of Customer Advocate contacted the customer by
telephone on July 28,
2015, and we are working with the customer directly to
resolve the issue
Revdex.com:
Complaint ID ***
I am not in receipt of the June 22, letter referenced in the response from the business (Navient)Concerns are not resolvedI continue to seek closure.
Consider the below correspondence to seek closure:
*** *** ***
In my email addressed to you Mr *** on June 23, 11:PM, I have stated: In addition, the wording of your June 22, letter is concerningIt states "Our records indicate that Navient has not reported your federal loans as delinquent to the consumer reporting agenciesPlease note that Navient will not report your loans as delinquent until they are more than days' delinquent at month end." Do explain and modify as appropriateI have fulfilled all obligations in the management of my loans with Navient, I will need proof if you feel otherwiseDo timely inform me[To Revdex.com: No direct response from Navient; like reoccurred.]
I have not received an answer for the aboveIn addition, the letter from Navient 07/02/which begins with "request for forbearance of the payments on your student loan(s) listed below has been approved" again contains concerning wording which misleadsConsider the paragraph "If you have other delinquent federal loans serviced by Navient, forbearance will be applied to all eligible federal loans..." I have fulfilled all obligations in the management of my loans with Navient, I will again need proof if you feel otherwiseDo explain and modify as appropriateDo you anticipate concerning wording which misleads to reoccur? Do timely inform me.
The letter from Navient dated 07/01/states "Your request to defer payments on your Federal Family Education Loan Program (FFELP) Loan(s) listed below has been approved." However, the letter does not list the loan(s) which is referenced to have been approvedI may assume the list to be the loans which is listed in the above 07/02/letter, however, due to this being a financial document I will not assumeDo explain and modify as appropriateDo timely inform me.
The letter from Navient dated 06/29/confirmed deferment ends on 06/30/Loan Details reflects letter with a Schedule Begin Date of 07/17/2017, however, Account Summary does not reflect letterAs of 07/05/the Account Summary lists the loan to have a Due Date of "07/17/2016"This misleadsDo timely inform me.
The Payment Confirmation email from [email protected] dated 06/27/states payment "Scheduled for: 6/27/2016", however, the Navient Account Information email from the same [email protected] dated 06/29/states "Date Posted: 06/28/2016"This misleadsDo timely inform me[To Revdex.com: This were not the first occurrence.]
I have not experienced like concerns with Sallie Mae. I will not have concerning language which does not apply to me in financial documents addressed to me and held as recordsThere has been repeated occurrences of no response from various Navient representativesThere has been misleading presentation of my loan accounts to meDo timely inform me.
In reference to your email addressed to me on July 2, 5:AM, I am Ms*** *** *** ***
Sincerely,
*** ***
***
*** *** ***
Times New Roman"; mso-bidi-font-family: Calibri'>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 24, 2015. Please allow sufficient time for postal delivery
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10566510, and find that this resolution is satisfactory to me. Yes, finally speaking with the US based offices of Navient, *** was most helpful and appreciate her assistance in getting everything straightened out
Regards,
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
While the company has stopped the calls, they sent a letter stating that calling me every day "due diligence". If that is not harassment, I do not know what is. A company has the right to take actions to ensure people repay a loan. However, the company should take in to consideration the person's history of payments and the amount owed. I took out the loan in in the amount of 10,000, I paid religiously more than the monthly payment, and now owed only 500.00. They admitted they were calling at am on the weekend. They called me every day. They did not even apologize in the letter they sent
Regards,
My loan was transferred from Sallie Mae to Navient in the fall of I have never had any problems with Sallie MaeThis particular loan was taken out in my parents' names, as they got a slightly better interest rateIt was just for my freshman year of college, 2006-They have never made a single payment on this loanSince the first payment, they have had nothing to do with it- it has always come out of my bank account, the contact and billing information are for meThe loan just has my mother's name on itIf I experienced any lproblems, Sallie Mae always helped resolve them with no issues, because I have my mother's SS#, birthdate, and any other pertinent informationIf I needed to change the password, they always helpedNavient is staffed with rude, incompetent people, and they ave the most ridiculous policies regarding accounts information
I was out of town when my student loan payment was due, and did not have access to the internetMy husband went online to pay it, and made a typing error when trying to log inIt locked him out of the account entirelyNavient requires customers to call them to unlock accounts (I never had to call Sallie Mae for anything.) When I called, they said that my mother would have to contact them to unlock the accountI had all of her information, but that didn't matterI asked them what the procedure was if she was, say, in prison or deceasedThey said that they might be able to work something out if I was able to produce a death certificate, but other than that, I would have to callI told them that I would like to register a formal complaint because surely there are several people throughout the nation who have student loans in repayment who are not in easy contact with their parentsI was so angry with the experience that I waited several weeks to call back (again, I now have to call to make my payments, rather than conveniently make them online- and the automated system does not work on the weekends, apparently) and ask another customer service representative if they could be of assistanceAgain, they were of no help, and said that only the person who signed for the loan could reset the accountI asked how they could tell who they were talking to- I have all of my mother's information, and the contact info is mineI pointed out that even if they had voice recognition software, she's never spoken to them before, so they'd have nothing to compare it toI will call again in a week and just give my mother's nameI hate that I have to resort to lying to access the account, but this is ridiculousI have never had such terrible customer service, or dealt with such insensitive people who are so unmoving
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 June 9, 2015. Please allow sufficient time for postal
delivery
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 21, 2016. Please allow sufficient time for
postal delivery
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I was told that until the business receives updated enrollment information from my educational institution or the clearing house, I would continue to be chargedThe business was unwilling to contact my educational institution to verify my enrollment.
Regards,
*** ***
A
representative from the Office of Customer Advocate contacted the customer by
telephone on June 25,
2015, and we are working with the customer directly to
resolve the issue
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
To Whom It May Concern,
I have received rather an unprofessional response from this office regarding my complaint, case number listed aboveI do not understand, nor do I appreciate, this case being closed when the Revdex.com has not provided me the information they indicate they have that my complaint has been resolved
I respectively request that this Revdex.com provide what "resolution" is indicated in the updated information I accessed online today, February How can you just simply close a case, or complaint, when there has only been one response by the complainant, me???
I have not been given adequate information or resolution, and this office has failed to mediate as they are suppose toThis is unacceptable and will not be toleratedPlease RE OPEN this case
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear belowI received a letter that simply rehashes the same response that they have given me for nearly a year They state in their letter that "defaulted loans are not eligible for a deferment or forbearance, therefore, your request has been denied" That is not my dispute My loans were in deferment for two months prior to them putting them into default status They should have never gone into default It was either a processing error on their behalf or a deliberate action on their behalf Either way, they are in violation of Section 623(a)(2) of the FCRA by refusing to update my reports to reflect the true status This section states that they have a duty to "update and correct" any inaccuracies once they are made aware of the inaccuracies They have never addressed the issue that the loans were deferred so, therefore, they could not be defaulted Instead they simply state that "defaulted loans cannot be deferred" over and over again I would like for them to address the error of defaulting the loans in the first place and to "update and correct" my credit bureau reports to show that there were no late payments in and to dhow that they loans never defaulted
Regards,
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 17, 2015. Please allow sufficient time for
postal delivery
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 19, 2016. Please allow sufficient time for postal
delivery
A
representative from the Office of Customer Advocate contacted the customer by
telephone on July 28,
2015, and we are working with the customer directly to
resolve the issue
A representative from the Office
of Customer
Advocate contacted the customer by telephone on January 15, and resolved
the issue with the customer
Revdex.com:
Complaint ID ***
I am not in receipt of the June 22, letter referenced in the response from the business (Navient)Concerns are not resolvedI continue to seek closure.
Consider the below correspondence to seek closure:
*** *** ***
In my email addressed to you Mr *** on June 23, 11:PM, I have stated: In addition, the wording of your June 22, letter is concerningIt states "Our records indicate that Navient has not reported your federal loans as delinquent to the consumer reporting agenciesPlease note that Navient will not report your loans as delinquent until they are more than days' delinquent at month end." Do explain and modify as appropriateI have fulfilled all obligations in the management of my loans with Navient, I will need proof if you feel otherwiseDo timely inform me[To Revdex.com: No direct response from Navient; like reoccurred.]
I have not received an answer for the aboveIn addition, the letter from Navient 07/02/which begins with "request for forbearance of the payments on your student loan(s) listed below has been approved" again contains concerning wording which misleadsConsider the paragraph "If you have other delinquent federal loans serviced by Navient, forbearance will be applied to all eligible federal loans..." I have fulfilled all obligations in the management of my loans with Navient, I will again need proof if you feel otherwiseDo explain and modify as appropriateDo you anticipate concerning wording which misleads to reoccur? Do timely inform me.
The letter from Navient dated 07/01/states "Your request to defer payments on your Federal Family Education Loan Program (FFELP) Loan(s) listed below has been approved." However, the letter does not list the loan(s) which is referenced to have been approvedI may assume the list to be the loans which is listed in the above 07/02/letter, however, due to this being a financial document I will not assumeDo explain and modify as appropriateDo timely inform me.
The letter from Navient dated 06/29/confirmed deferment ends on 06/30/Loan Details reflects letter with a Schedule Begin Date of 07/17/2017, however, Account Summary does not reflect letterAs of 07/05/the Account Summary lists the loan to have a Due Date of "07/17/2016"This misleadsDo timely inform me.
The Payment Confirmation email from [email protected] dated 06/27/states payment "Scheduled for: 6/27/2016", however, the Navient Account Information email from the same [email protected] dated 06/29/states "Date Posted: 06/28/2016"This misleadsDo timely inform me[To Revdex.com: This were not the first occurrence.]
I have not experienced like concerns with Sallie Mae. I will not have concerning language which does not apply to me in financial documents addressed to me and held as recordsThere has been repeated occurrences of no response from various Navient representativesThere has been misleading presentation of my loan accounts to meDo timely inform me.
In reference to your email addressed to me on July 2, 5:AM, I am Ms*** *** *** ***
Sincerely,
*** ***
***
*** *** ***
A representative from the Office
of Customer
Advocate contacted the customer by telephone on April 22, and resolved the
issue with the customer
Times New Roman"; mso-bidi-font-family: Calibri'>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 24, 2015. Please allow sufficient time for postal delivery
A representative from the Office
of Customer
Advocate contacted the customer by telephone on August 12, and resolved
the issue with the customer
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10566510, and find that this resolution is satisfactory to me. Yes, finally speaking with the US based offices of Navient, *** was most helpful and appreciate her assistance in getting everything straightened out
Regards,
A representative from the Office of Customer Advocate contacted the customer by telephone on December 18, and resolved the issue with the customer
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
While the company has stopped the calls, they sent a letter stating that calling me every day "due diligence". If that is not harassment, I do not know what is. A company has the right to take actions to ensure people repay a loan. However, the company should take in to consideration the person's history of payments and the amount owed. I took out the loan in in the amount of 10,000, I paid religiously more than the monthly payment, and now owed only 500.00. They admitted they were calling at am on the weekend. They called me every day. They did not even apologize in the letter they sent
Regards,
My loan was transferred from Sallie Mae to Navient in the fall of I have never had any problems with Sallie MaeThis particular loan was taken out in my parents' names, as they got a slightly better interest rateIt was just for my freshman year of college, 2006-They have never made a single payment on this loanSince the first payment, they have had nothing to do with it- it has always come out of my bank account, the contact and billing information are for meThe loan just has my mother's name on itIf I experienced any lproblems, Sallie Mae always helped resolve them with no issues, because I have my mother's SS#, birthdate, and any other pertinent informationIf I needed to change the password, they always helpedNavient is staffed with rude, incompetent people, and they ave the most ridiculous policies regarding accounts information
I was out of town when my student loan payment was due, and did not have access to the internetMy husband went online to pay it, and made a typing error when trying to log inIt locked him out of the account entirelyNavient requires customers to call them to unlock accounts (I never had to call Sallie Mae for anything.) When I called, they said that my mother would have to contact them to unlock the accountI had all of her information, but that didn't matterI asked them what the procedure was if she was, say, in prison or deceasedThey said that they might be able to work something out if I was able to produce a death certificate, but other than that, I would have to callI told them that I would like to register a formal complaint because surely there are several people throughout the nation who have student loans in repayment who are not in easy contact with their parentsI was so angry with the experience that I waited several weeks to call back (again, I now have to call to make my payments, rather than conveniently make them online- and the automated system does not work on the weekends, apparently) and ask another customer service representative if they could be of assistanceAgain, they were of no help, and said that only the person who signed for the loan could reset the accountI asked how they could tell who they were talking to- I have all of my mother's information, and the contact info is mineI pointed out that even if they had voice recognition software, she's never spoken to them before, so they'd have nothing to compare it toI will call again in a week and just give my mother's nameI hate that I have to resort to lying to access the account, but this is ridiculousI have never had such terrible customer service, or dealt with such insensitive people who are so unmoving
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 June 9, 2015. Please allow sufficient time for postal
delivery
A representative from the Office of Customer Advocate contacted the customer by telephone on March 5, and
resolved the issue with the customer
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 21, 2016. Please allow sufficient time for
postal delivery
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I was told that until the business receives updated enrollment information from my educational institution or the clearing house, I would continue to be chargedThe business was unwilling to contact my educational institution to verify my enrollment.
Regards,
*** ***
A representative from the Office of Customer Advocate contacted the customer by telephone on November 13, and resolved the issue with the customer
A
representative from the Office of Customer Advocate contacted the customer by
telephone on June 25,
2015, and we are working with the customer directly to
resolve the issue