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 creditor has declined to remove the late reports from my credit report even though the customer service agent stated it would be removed when processing my forbearance Also note, this is the only creditor that continued to charge me interest during my Chapter case resulting in over $2,in interest charges by the time my case was complete Shady business practices and horrible customer service
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
To date I have not received any correspndence from Navient in regards to the resoluiton.I know the case has been closed and my concerns have not been addressed.As a matter of fact they called yesterday telling me I had to pay do I need to file another complaint? It seems as though they told you one thibng but yet tell me another
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 6, 2016. Please allow sufficient time for postal delivery
A
representative from the Office of Customer Advocate contacted the customer by
telephone on August
18, 2015, and we are working with the customer directly to
resolve the issue
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 30, 2015. Please allow sufficient time for
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Navient Loans will not allow customers to pay down their principal using online meansThey only allow people to write manual checks with notes attached separately expressing that they want the extra monies to be applied to their principalThis is purposefully difficult and inconvenient, and preys on the less informed and educated regarding the difference between applying extra monies to the "balance" and the "principal"Ugly tactics
This company has harassed me with phone calls all throughout the day and nightI make monthly payments, but yet I still receive these phone calls stating "I'm late on payment" or "have late fees"They collect my money and then tact on additional feesThe recent payment history was not an accurate oneSeveral months of payment is missing to which they state payment was never made, but it wasMy bank account can Prove itSomething has to be done about thisWho knows how much student loan debt I am truly in now because of all of these additional chargesI'm at the point of desperation and willing to do what I have to do to stop this un professional business from ripping off hard working people
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 7, 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 belowroblem:
I have never owed Navient any money nor have ever I cosigned for any loansI have never had any business dealings with Navient of any kindYet they keep hounding me over the phone about some one else's loanThis started months ago from a PANavient locationI filed a Revdex.com complaint and got a letter stating that my phone number would be removed from their recordsI received more phone calls before Navient stopped callingNow, Navient in Ohio is hounding meI guess Navient thinks that by changing states they can continue their illegal harassing callsThe PA complaint was transferred to Delaware Revdex.com by the Revdex.comI want this complaint to stay with Ohio Revdex.comWhy? It is obvious that Delaware Navient either does not honor what they put in writing for PA Navient or did not bother to remove my phone number from ALL recordsAnd they certainly were not expedient in telling PA (more phone calls) There is also the question of how my personal phone number got from PA to Ohio? Who transferred that personal info and thus violated privacy laws and why? Was it to get around the Revdex.com complaint filed against PA? Revdex.com complaints should stay (or at least a copy) with the offending location as this very strongly proves and not just at headquarters locations.Revdex.com complaint assigned ID *** is referred to above.There is to be ZERO contact from Navient using my phone numberTranslate
Desired Settlement / Outcome
Desired Settlement:
select
Desired Outcome:
Settlement:Complaints to be put on Revdex.com files in PA and Ohio, plus Delaware.A written letter from Navient containing:How my privacy rights managed to get violated by transferring my phone number from PA to Ohio.What Navient is going to do to avoid future failure of their written promise.A copy of the internal Navient message directing that my phone # and name be removed from ALL RECORDS.This letter is to be mailed to the State Attorney Generals Offices in Delaware, Ohio, and PA
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 14,
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 3, 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 February 5, 2015. Please allow sufficient time for postal delivery
I submitted paperwork that clearly showed that I was diagnosed with a genetic disorder that made it impossible for me to ever work again Sallie Mae forgave my loans but Navient was cold and unkind They refused to accept a letter from my doctor that clearly stated I would never work again I was told that I had to pay a payment or they would go after my husband and ruin his career and creditI have been paying them money out of my disability check every month and they said the would correct my credit It has come to my attention that they have put negative things on his credit report He has never even spoken to you and you have no right to harm his credit
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 15, 2016. Please allow sufficient time for postal delivery
Thank you for
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protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on September 15, 2015. Please allow sufficient time for
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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
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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 16, 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 will be waiting for the letter however several time I had received a call informing me of what they were looking into and now I don't receive a call and they are sending me a letterit seems that they want to close the Complaint and are stalling. I will wait till I receive the letter however I wish to keep this case open until I get this letter
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 18, 2015. We are working directly with the customer 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
Dear Sir or Madam,
Per my discussion with your customer service unit I am providing my credit report that reflects the negative reporting. Based on my complaints I am providing the detail of what needs to be corrected.
1. I acknowledge that you have an account that you stated originated in 2003. I have and am disputing the account. I did not attend University of Phoenix and they were distributed monies however they were not entitled to any payment because I did not attend their courses. I attended an orientation, signed up for school; however the school was not accredited for the course structure I wanted t take. Once University of Phoenix disclosed the lack of accreditation, I opted to attend Central New Mexico University where I completed my CIS associate’s degreeAny payment they would have received is incorrect and fraudulent and I formally dispute this account
2. Sallie Mae is the original loan that I signed the Promissory notes for. The accounts were assumed by Navient and Department of Education however the Sallie Mae accounts were not correctly updated to reflect that the accounts were assumed by Navient and Department of Education. The Sallie Mae account is appearing on my credit report as Closed with No Status. Either the accounts for Sallie Mae be removed to reflect only the Navient and Department of Education OR the Sallie Mae accounts be updated to reflect the accounts were transferred to Navient and no balance is owed. Currently, all three accounts are being reported for Sallie Mae, Navient and Department of Education which is increasing the amount of owed Installment Loans. The amounts are being duplicated to appear that I owe more on the Installment Loans than what is owed and this reporting makes my Installment Loans to be too high, thus causing the lender to deny my request for a mortgage loan because it shows I have a high balance owed for the Installment Loans. I would like this updated immediately to remove or update as I have requested
3. I initially provided that I was in a forbearance status. My initial credit report reflected that I was Late and the account was past due more than days. Since my dispute the status has been updated to reflect I am current however the comments have not been updated to reflect that I was not delinquent more than days. I re-request that the negative comments be removed since these comments are impacting my ability to obtain a mortgage since the lender believes I had past delinquency although Navient has acknowledged I am and have been in good standing. I am state that I made this request on June 22, and re-request that this update be provided by July 22, which is the timeline in which was indicated that the fix be provided4. I ask Navient/Sallie Mae/Dept of Education, for the following relief:
a. Items be updated as follows:
I. That the comments on my account be updated to reflect accurately: my credit in current and good standing. Currently, the failure to update my ongoing forbearance information correctly has resulted in gap or period of time to reflect the account be in a delinquent status when in fact it was either in deferment, hardship deferment or in-school deferment statusI maintain I have timely filed the appropriate documentation to support the request for the hold on the account so that the account would not fall into a delinquent status or be reported as suchb. The information as it relates to my forbearance status be updated among all of the accounts that I hold with Navient, Sallie Mae and Dept of Education. The lack of updating all comments and sharing the communication within the system used to look up my information is inadequate and I have continued to receive excessive calls and letters due to the inability to update their systems correctly
c. The information as it relates to my hardship deferment status be updated when applicable, among all of the accounts that I hold with Navient, Sallie Mae and Dept of Education. The lack of updating all comments and sharing the communication within the system used to look up my information is inadequate and I have continued to receive excessive calls and letters due to the inability to update their systems correctly
d. The information as it relates to my in school deferment status be updated when applicable, among all of the accounts that I hold with Navient, Sallie Mae and Dept of Education. The lack of updating all comments and sharing the communication within the system used to look up my information is inadequate and I have continued to receive excessive calls and letters due to the inability to update their systems correctly
e. All notes as they pertain to phone call note updates and correspondence to and from me be copied so that the all areas that look up my loan information is able to clearly see the same information. I currently receive 5-letters per week and receive up to 2-calls per day seven days a week by either a collection person or an automated call on the accounts. The automated system calls come as early as 8:am to 8:pm Monday through SundayTo date, I continue to receive repeated inquiries on my account from your representatives that are not viewing the same notes or information.
f. I would like the accounts under Navient be consolidated to show one invoice with break out of original debt and interest. Currently, I received invoices monthly
g. I would like the accounts under Department of Education be consolidated to show one invoice with break out of original debt and interest. Currently, I received invoices monthly
h. All calls to my parent, *** and *** *** cease. They are averaging calls per week inquiring about my loans, whereabouts and current information as it relates to address, work address etc
i. All calls to my sister, *** *** cease. She is currently receiving 5-calls per week inquiring about my loans, whereabouts and current information as it relates to address, work address etc
j. I would like to an explanation as to who Student Assistance Corporation is, since I have recently begun to receive mail and calls from this company. The address is *** *** *** *** *** ** *** *** * *** *** ***. They are referencing account *** which is an account listed for Navient
k. If Student Assistance Corporation is part of Navient it also follow all the same protocol listed above for the other accounts
l. I would like the information on my credit report updated immediately or no later than 7/22/to be within the day timeline originated on 6/22/15.
m. I would like the comments updated on my credit report to remove the negative notations and reflect a current and open and in good standing status
In closing, I will continue to keep the New Mexico Attorney’s office and Revdex.com informed on the progress on the complaints I have filed in good faith that we can resolve the issues I brought forthShould you have any questions regarding my account, please contact me via emai: *** *** This is my preferred method of communication; however if you are required to mail the information, please use the *** *** *** *** *** *** ***
*** ***,
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 creditor has declined to remove the late reports from my credit report even though the customer service agent stated it would be removed when processing my forbearance Also note, this is the only creditor that continued to charge me interest during my Chapter case resulting in over $2,in interest charges by the time my case was complete Shady business practices and horrible customer service
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
To date I have not received any correspndence from Navient in regards to the resoluiton.I know the case has been closed and my concerns have not been addressed.As a matter of fact they called yesterday telling me I had to pay do I need to file another complaint? It seems as though they told you one thibng but yet tell me another
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 6, 2016. Please allow sufficient time for postal delivery
A
representative from the Office of Customer Advocate contacted the customer by
telephone on August
18, 2015, and we are working with the customer directly to
resolve the issue
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 30, 2015. Please allow sufficient time for
postal delivery
Navient Loans will not allow customers to pay down their principal using online meansThey only allow people to write manual checks with notes attached separately expressing that they want the extra monies to be applied to their principalThis is purposefully difficult and inconvenient, and preys on the less informed and educated regarding the difference between applying extra monies to the "balance" and the "principal"Ugly tactics
This company has harassed me with phone calls all throughout the day and nightI make monthly payments, but yet I still receive these phone calls stating "I'm late on payment" or "have late fees"They collect my money and then tact on additional feesThe recent payment history was not an accurate oneSeveral months of payment is missing to which they state payment was never made, but it wasMy bank account can Prove itSomething has to be done about thisWho knows how much student loan debt I am truly in now because of all of these additional chargesI'm at the point of desperation and willing to do what I have to do to stop this un professional business from ripping off hard working people
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 7, 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 belowroblem:
I have never owed Navient any money nor have ever I cosigned for any loansI have never had any business dealings with Navient of any kindYet they keep hounding me over the phone about some one else's loanThis started months ago from a PANavient locationI filed a Revdex.com complaint and got a letter stating that my phone number would be removed from their recordsI received more phone calls before Navient stopped callingNow, Navient in Ohio is hounding meI guess Navient thinks that by changing states they can continue their illegal harassing callsThe PA complaint was transferred to Delaware Revdex.com by the Revdex.comI want this complaint to stay with Ohio Revdex.comWhy? It is obvious that Delaware Navient either does not honor what they put in writing for PA Navient or did not bother to remove my phone number from ALL recordsAnd they certainly were not expedient in telling PA (more phone calls) There is also the question of how my personal phone number got from PA to Ohio? Who transferred that personal info and thus violated privacy laws and why? Was it to get around the Revdex.com complaint filed against PA? Revdex.com complaints should stay (or at least a copy) with the offending location as this very strongly proves and not just at headquarters locations.Revdex.com complaint assigned ID *** is referred to above.There is to be ZERO contact from Navient using my phone numberTranslate
Desired Settlement / Outcome
Desired Settlement:
select
Desired Outcome:
Settlement:Complaints to be put on Revdex.com files in PA and Ohio, plus Delaware.A written letter from Navient containing:How my privacy rights managed to get violated by transferring my phone number from PA to Ohio.What Navient is going to do to avoid future failure of their written promise.A copy of the internal Navient message directing that my phone # and name be removed from ALL RECORDS.This letter is to be mailed to the State Attorney Generals Offices in Delaware, Ohio, and PA
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 14,
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 3, 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 February 5, 2015. Please allow sufficient time for postal delivery
I submitted paperwork that clearly showed that I was diagnosed with a genetic disorder that made it impossible for me to ever work again Sallie Mae forgave my loans but Navient was cold and unkind They refused to accept a letter from my doctor that clearly stated I would never work again I was told that I had to pay a payment or they would go after my husband and ruin his career and creditI have been paying them money out of my disability check every month and they said the would correct my credit It has come to my attention that they have put negative things on his credit report He has never even spoken to you and you have no right to harm his credit
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 15, 2016. 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 September 15, 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 September 3, 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 December 16, 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 will be waiting for the letter however several time I had received a call informing me of what they were looking into and now I don't receive a call and they are sending me a letterit seems that they want to close the Complaint and are stalling. I will wait till I receive the letter however I wish to keep this case open until I get this letter
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 18, 2015. We are working directly with the customer 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
Dear Sir or Madam,
Per my discussion with your customer service unit I am providing my credit report that reflects the negative reporting. Based on my complaints I am providing the detail of what needs to be corrected.
1. I acknowledge that you have an account that you stated originated in 2003. I have and am disputing the account. I did not attend University of Phoenix and they were distributed monies however they were not entitled to any payment because I did not attend their courses. I attended an orientation, signed up for school; however the school was not accredited for the course structure I wanted t take. Once University of Phoenix disclosed the lack of accreditation, I opted to attend Central New Mexico University where I completed my CIS associate’s degreeAny payment they would have received is incorrect and fraudulent and I formally dispute this account
2. Sallie Mae is the original loan that I signed the Promissory notes for. The accounts were assumed by Navient and Department of Education however the Sallie Mae accounts were not correctly updated to reflect that the accounts were assumed by Navient and Department of Education. The Sallie Mae account is appearing on my credit report as Closed with No Status. Either the accounts for Sallie Mae be removed to reflect only the Navient and Department of Education OR the Sallie Mae accounts be updated to reflect the accounts were transferred to Navient and no balance is owed. Currently, all three accounts are being reported for Sallie Mae, Navient and Department of Education which is increasing the amount of owed Installment Loans. The amounts are being duplicated to appear that I owe more on the Installment Loans than what is owed and this reporting makes my Installment Loans to be too high, thus causing the lender to deny my request for a mortgage loan because it shows I have a high balance owed for the Installment Loans. I would like this updated immediately to remove or update as I have requested
3. I initially provided that I was in a forbearance status. My initial credit report reflected that I was Late and the account was past due more than days. Since my dispute the status has been updated to reflect I am current however the comments have not been updated to reflect that I was not delinquent more than days. I re-request that the negative comments be removed since these comments are impacting my ability to obtain a mortgage since the lender believes I had past delinquency although Navient has acknowledged I am and have been in good standing. I am state that I made this request on June 22, and re-request that this update be provided by July 22, which is the timeline in which was indicated that the fix be provided4. I ask Navient/Sallie Mae/Dept of Education, for the following relief:
a. Items be updated as follows:
I. That the comments on my account be updated to reflect accurately: my credit in current and good standing. Currently, the failure to update my ongoing forbearance information correctly has resulted in gap or period of time to reflect the account be in a delinquent status when in fact it was either in deferment, hardship deferment or in-school deferment statusI maintain I have timely filed the appropriate documentation to support the request for the hold on the account so that the account would not fall into a delinquent status or be reported as suchb. The information as it relates to my forbearance status be updated among all of the accounts that I hold with Navient, Sallie Mae and Dept of Education. The lack of updating all comments and sharing the communication within the system used to look up my information is inadequate and I have continued to receive excessive calls and letters due to the inability to update their systems correctly
c. The information as it relates to my hardship deferment status be updated when applicable, among all of the accounts that I hold with Navient, Sallie Mae and Dept of Education. The lack of updating all comments and sharing the communication within the system used to look up my information is inadequate and I have continued to receive excessive calls and letters due to the inability to update their systems correctly
d. The information as it relates to my in school deferment status be updated when applicable, among all of the accounts that I hold with Navient, Sallie Mae and Dept of Education. The lack of updating all comments and sharing the communication within the system used to look up my information is inadequate and I have continued to receive excessive calls and letters due to the inability to update their systems correctly
e. All notes as they pertain to phone call note updates and correspondence to and from me be copied so that the all areas that look up my loan information is able to clearly see the same information. I currently receive 5-letters per week and receive up to 2-calls per day seven days a week by either a collection person or an automated call on the accounts. The automated system calls come as early as 8:am to 8:pm Monday through SundayTo date, I continue to receive repeated inquiries on my account from your representatives that are not viewing the same notes or information.
f. I would like the accounts under Navient be consolidated to show one invoice with break out of original debt and interest. Currently, I received invoices monthly
g. I would like the accounts under Department of Education be consolidated to show one invoice with break out of original debt and interest. Currently, I received invoices monthly
h. All calls to my parent, *** and *** *** cease. They are averaging calls per week inquiring about my loans, whereabouts and current information as it relates to address, work address etc
i. All calls to my sister, *** *** cease. She is currently receiving 5-calls per week inquiring about my loans, whereabouts and current information as it relates to address, work address etc
j. I would like to an explanation as to who Student Assistance Corporation is, since I have recently begun to receive mail and calls from this company. The address is *** *** *** *** *** ** *** *** * *** *** ***. They are referencing account *** which is an account listed for Navient
k. If Student Assistance Corporation is part of Navient it also follow all the same protocol listed above for the other accounts
l. I would like the information on my credit report updated immediately or no later than 7/22/to be within the day timeline originated on 6/22/15.
m. I would like the comments updated on my credit report to remove the negative notations and reflect a current and open and in good standing status
In closing, I will continue to keep the New Mexico Attorney’s office and Revdex.com informed on the progress on the complaints I have filed in good faith that we can resolve the issues I brought forthShould you have any questions regarding my account, please contact me via emai: *** *** This is my preferred method of communication; however if you are required to mail the information, please use the *** *** *** *** *** *** ***
*** ***,