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 23, 2015. Please allow sufficient time for postal
delivery
A
representative from the Office of Customer Advocate contacted the customer
by
telephone on July 16, 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 belowI have not received anything from Navient on this matter They called me on July 2nd, and I was in the mountains for my birthday and didn't have adequate cell service to discuss the matter and the rep told me she would call me Monday July 6th I never received a call backAfter researching further into my claim, I have found that Navient has also failed to follow the terms in my Master Promissory note by not allocating my payments correctly My MPN states that my payment will be allocated first to late fees, then to all remaining unpaid interest, then anything remaining after that will be paid to principle I have found that I have over $in unpaid accrued interest due in my loans that have not been paid Navient as had my loans for over two years and they have been allocating my payments partially to my interest, but also a significant amount to my principle, when it should of been used to pay off unpaid interest I am worried that that accrued interest of $will be capitalized back on my account I don't understand how a company contracted through the dept of education can act in such a reckless manner without discipline I have read countless articles against their practices and most recently read about a class action lawsuit filed against them for charging active duty personal interest while abroad, when that too is protected in the MPNThere needs to be stronger laws to protect students in repayment who are not in default and have followed the repayment terms I have logged 10-hours of time into dealing with their fraudulent ways and have not accomplished a single thing, when all i'm trying to do is repay my student loans without being taken advantage of or being told I can not determine how my money is applied to my loans.
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
Navient should not be charging me (or anyone) 7.9% interest for student loans, when I can get car loans at 0% and other bank or lending lonas for less than 1/or what Navient chargesMy major complaint remains: why are we allowing Navient and others to charge students higher interest payments to get an EDUCATION, when we charge much less for auto and bank loans
At the end of December I made an extra payment on my student loan that was not creditedI emailed to inquire about the payment in mid-January 2015, but never received a responseI spoke with a customer service rep at the end of January who asked me to submit a "billing statement." I asked her what she meant by that and she was unable to answer, so I asked to speak with a supervisorShe told me to upload a bank statement to the website showing the payment was debited from my bank accountI did so the next day, and received an autoreply email stating that my account would be updated within ten business days
Ten business days have passed, and that payment has still not been creditedI emailed them again today asking for the payment to be credited immediately and stated I would call on the next business day to confirm that it would be credited
This error has caused interest to accrue on my loan and caused errors on my 1098-E formI cannot file taxes until it is fixedI've told Navient that I will contact state and federal consumer protection agencies if the payment is not credited and the interest and 1098-E corrected by mid-March I've also given them notice that I will file suit and seek damages for my time and effort if the payment is not credited by mid-April I refuse to let this company steal from me
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI actually received a response by phone within a day or twoThe situation was resolved within a couple of weeks I believe by the advocacy departmentHopefully, my account is now straightened out and I will not experience this again when my account is renewed again in next yearBest part is that I have a contact name, email address and I believe a phone number who I can go directly to going forwardShe agreed that my account was indeed a mess and I can only trust trust that it is indeed now correct
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
I still believe this to be open and am waiting on a response from Navient I would like this matter to remain open until a satisfactory response is completed
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
Problem:
This has been an ongoing issueEver since the sallie mae and navient switchIt has been a nightmareDo not do buisness with navientThey have been down right rude and talk to me with no respectSome how they say my brother is the one that took the loan out which is inaccurateThey wont let us talk to a manager and just hang up on usI AM CURRENTLY TALKING WITH A LAWYER TO SUE AS MY BROTHER IS GOING BANKRUPTso they are digging themselves a hole right nowI already put in a complaint once and they lied and said the issue was taken care ofNavient is not a good company at allTranslate
Desired Resolution / Outcome
Desired Resolution:
Other (requires explanation)
select
Desired Outcome:
Zero out mine and my brother balance whoever name you have it in because this incompetent compnay messed everything upNever had a problem and was current on payments until navient tool overWe will not accept anything as you have been taking my payments and not appliying themIf this is not zeroed outI will give the order to my lawyer to continue the paperwork
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 16, 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 19, 2014. 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 January 9, 2015. 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
The letter that Navient sent does not answer any questionsThey have repeatedly sent me my promissory note, which I said I understandThey talk to me like I am an it and are extremely rude over the phone, they continually send me the same information without actually answering my question. My question to them is why does my interest keep raising when I have perfect payment history of an unreasonable $ a month with a current 11.125% interest rate....I have made every payment on time, and the federal interest rate has NOT gone up, can I get an answer as to why interest rate keeps going up? What have I done to deserve this?
What Navient has done is predatory lending. I was years old when I graduated high school and went off to college, I had no credit, I was 18, who has credit at 18? I will be repaying 3x the amount of the loan when I am finished, this is predatory lending and completely immoralI have great credit now, why is Navient aloud to continue to raise my interest rate? No other company has an interest rate that high. Most places I have called, Citizens Bank, So-Fi, etc, their highest rates are around 7%Why can Navient get away with 11.125% and then continue to raise it to someone who has paid everything on time and the federal interest rate has not gone up?
Thank you,
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 10, 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 February 11, 2015. Please allow sufficient time for postal delivery
150%>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
As of January 26, I have not received a mail correspondence from the company. They continue to harass myself, my son, and my niece. They will each be submitting complaints to the Revdex.com for their disregard for business tactics and harassment. My son, *** *** states that last week alone they called him more than times in one day. This is totally unacceptable for any business to harass someone in such a manner. If they want someone to be able to repay them harassing them while they are working is not a sufficient tactic for getting their monies owed as they could cause someone to lose their jobs. This is out right harassment and must be stopped.
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 February 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 March 23, 2015. Please allow sufficient time for postal
delivery
A
representative from the Office of Customer Advocate contacted the customer
by
telephone on July 16, 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 belowI have not received anything from Navient on this matter They called me on July 2nd, and I was in the mountains for my birthday and didn't have adequate cell service to discuss the matter and the rep told me she would call me Monday July 6th I never received a call backAfter researching further into my claim, I have found that Navient has also failed to follow the terms in my Master Promissory note by not allocating my payments correctly My MPN states that my payment will be allocated first to late fees, then to all remaining unpaid interest, then anything remaining after that will be paid to principle I have found that I have over $in unpaid accrued interest due in my loans that have not been paid Navient as had my loans for over two years and they have been allocating my payments partially to my interest, but also a significant amount to my principle, when it should of been used to pay off unpaid interest I am worried that that accrued interest of $will be capitalized back on my account I don't understand how a company contracted through the dept of education can act in such a reckless manner without discipline I have read countless articles against their practices and most recently read about a class action lawsuit filed against them for charging active duty personal interest while abroad, when that too is protected in the MPNThere needs to be stronger laws to protect students in repayment who are not in default and have followed the repayment terms I have logged 10-hours of time into dealing with their fraudulent ways and have not accomplished a single thing, when all i'm trying to do is repay my student loans without being taken advantage of or being told I can not determine how my money is applied to my loans.
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
Navient should not be charging me (or anyone) 7.9% interest for student loans, when I can get car loans at 0% and other bank or lending lonas for less than 1/or what Navient chargesMy major complaint remains: why are we allowing Navient and others to charge students higher interest payments to get an EDUCATION, when we charge much less for auto and bank loans
A representative from the Office
of Customer
Advocate contacted the customer by telephone on April 9, and resolved the
issue with the customer
">A representative
from the Office of Customer Advocate contacted the customer by telephone
on May 2, and resolved the
issue with the customer
At the end of December I made an extra payment on my student loan that was not creditedI emailed to inquire about the payment in mid-January 2015, but never received a responseI spoke with a customer service rep at the end of January who asked me to submit a "billing statement." I asked her what she meant by that and she was unable to answer, so I asked to speak with a supervisorShe told me to upload a bank statement to the website showing the payment was debited from my bank accountI did so the next day, and received an autoreply email stating that my account would be updated within ten business days
Ten business days have passed, and that payment has still not been creditedI emailed them again today asking for the payment to be credited immediately and stated I would call on the next business day to confirm that it would be credited
This error has caused interest to accrue on my loan and caused errors on my 1098-E formI cannot file taxes until it is fixedI've told Navient that I will contact state and federal consumer protection agencies if the payment is not credited and the interest and 1098-E corrected by mid-March I've also given them notice that I will file suit and seek damages for my time and effort if the payment is not credited by mid-April I refuse to let this company steal from me
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI actually received a response by phone within a day or twoThe situation was resolved within a couple of weeks I believe by the advocacy departmentHopefully, my account is now straightened out and I will not experience this again when my account is renewed again in next yearBest part is that I have a contact name, email address and I believe a phone number who I can go directly to going forwardShe agreed that my account was indeed a mess and I can only trust trust that it is indeed now correct
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
I still believe this to be open and am waiting on a response from Navient I would like this matter to remain open until a satisfactory response is completed
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
Problem:
This has been an ongoing issueEver since the sallie mae and navient switchIt has been a nightmareDo not do buisness with navientThey have been down right rude and talk to me with no respectSome how they say my brother is the one that took the loan out which is inaccurateThey wont let us talk to a manager and just hang up on usI AM CURRENTLY TALKING WITH A LAWYER TO SUE AS MY BROTHER IS GOING BANKRUPTso they are digging themselves a hole right nowI already put in a complaint once and they lied and said the issue was taken care ofNavient is not a good company at allTranslate
Desired Resolution / Outcome
Desired Resolution:
Other (requires explanation)
select
Desired Outcome:
Zero out mine and my brother balance whoever name you have it in because this incompetent compnay messed everything upNever had a problem and was current on payments until navient tool overWe will not accept anything as you have been taking my payments and not appliying themIf this is not zeroed outI will give the order to my lawyer to continue the paperwork
A representative from the Office
of Customer
Advocate contacted the customer by telephone on April 16, 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 October 16, 2015. Please allow sufficient time for
postal delivery
A representative from the Office
of Customer
Advocate contacted the customer by telephone on June 30, 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 19, 2014. 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 January 9, 2015. Please allow sufficient time for postal delivery
Revdex.com:
t and are extremely rude over the phone, they continually send me the same information without actually answering my question. My question to them is why does my interest keep raising when I have perfect payment history of an unreasonable $ a month with a current 11.125% interest rate....I have made every payment on time, and the federal interest rate has NOT gone up, can I get an answer as to why interest rate keeps going up? What have I done to deserve this?
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
The letter that Navient sent does not answer any questionsThey have repeatedly sent me my promissory note, which I said I understandThey talk to me like I am an i
What Navient has done is predatory lending. I was years old when I graduated high school and went off to college, I had no credit, I was 18, who has credit at 18? I will be repaying 3x the amount of the loan when I am finished, this is predatory lending and completely immoralI have great credit now, why is Navient aloud to continue to raise my interest rate? No other company has an interest rate that high. Most places I have called, Citizens Bank, So-Fi, etc, their highest rates are around 7%Why can Navient get away with 11.125% and then continue to raise it to someone who has paid everything on time and the federal interest rate has not gone up?
Thank you,
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 10, 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 February 11, 2015. Please allow sufficient time for postal delivery
150%>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
As of January 26, I have not received a mail correspondence from the company. They continue to harass myself, my son, and my niece. They will each be submitting complaints to the Revdex.com for their disregard for business tactics and harassment. My son, *** *** states that last week alone they called him more than times in one day. This is totally unacceptable for any business to harass someone in such a manner. If they want someone to be able to repay them harassing them while they are working is not a sufficient tactic for getting their monies owed as they could cause someone to lose their jobs. This is out right harassment and must be stopped.
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 February 17, 2015. Please allow sufficient time for postal delivery