mso-hansi-theme-font: minor-latin;">A representative
from the Office of Customer Advocate contacted the customer by telephone
on May 16, 2016 and resolved the
issue with the customer.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I spoke to a [redacted] at Navient on September 17, 2015. I explained that I felt that Navient's business practices are fraudulent because their statements show payments that I never made and the fact that they changed the amount they claim I owe them (3) times. I also requested from Sallie Mae, the original lender, a statement that showed I owed $0.00, which I provided to Naveint. No one has ever called me back to respond to my inquiries. [redacted] told me that he would be sending me something in the mail and as of today's date, October 1, 2015, I have received nothing in the mail. I reject this because there has been no resolution, I have been ignored again. This continues to affect my credit score as it appears on my credit report. This company needs to be investigated for fraud.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on April 28, 2015. Please allow sufficient time for postal
delivery.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on September 11, 2015. Please allow sufficient time for
postal delivery.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on August 13, 2015. Please allow sufficient time for
postal delivery.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Problem:
Navient violated confidentiality and my privacy and the fair credit reporting act. I requested a co-signer release from Navient on a 10 year old student loan and they claim I still don't qualify. My cosigner is in poor health and needs to be released. If you look at their pre-qualifying requirements. I am an executive and have had a stable job making over $90,000, I have a doctorate and an MBA and completed all of my programs. I am not in default, I am not a payment plan with them, more than half of my credit cards had 0 balances at the time they pull my report and my federal loan are in the process of being consolidating which do not impact this loan in anyway. I have not missed any payments of this loan either.I meet all of the qualifications. They claim that after 10 years and paying the loan for the last 3 on time that I do not qualify. They first stated in a letter I received in June 2015 that my income was insufficient,. I told to submit more documentation regarding my income and when I did that they came up within even excuses. They claimed to have a dispute committee but it never made it to this supposed committee which does not exist. hen after I demonstrated that the my income ($103,000 year annually) was more than sufficient then they stated 5 other things in my credit report that were not accurately. I called to speak to a representative who was not polite and who claimed my large federal loan which has nothing to do with this loan was too big and I needed to pay that one down significantly first before they would consider releasing my cosigner. They continue to make it every excuse to keep my cosigner tied to this loan. They have now issued a letter detailing what they claim was in my credit report to my cosigner with out my permission and violated my rights and confidentiality as again they are trying to make the case that I don't qualify even though they state that credit is not entirely of their decision and again I meet all of their other criteria. Some of their reps have any made statements that they would go after my co-signer's estate. The claim about going after her estate was made in a phone in October 2010 and was stated in several calls over the last 2 years while getting trying to get her released. They even claim in a letter that I did not make 12 consecutive payments and have made the payments. They refused to take me out of their deferment when I asked them not to defer my account and refused to give me a regular payment amount. They kept making the claim that my account was paid up. Their practices are illegal and unethical and they need to release my 77 year old cosigner from this debt that she will never have the ability to pay. They violated confidentiality as they had no right to disclose to my cosigner anything that the claim was in my credit report as I requested the co-signer release and I filed the better business report. This continues to mislead the cosigner, her family and creates more conflict on trying to get her released.
Translate
Desired Outcome:
They retract what they have sent in the form of false information to my cosigner regarding my credit report and they need to release her form the loan. I have already filed formal complaints with the FTC and State's attorney General.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on April 28, 2016 and will continue to work directly with the customer to resolve the issue.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. I have not received any correspondence via US mail.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on June 26, 2015. Please allow sufficient time for postal
delivery.
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.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[redacted] [redacted]
The representative from Navient somehow believes that threatening phone calls, which I have saved on my phone and taking money out of my account without permission is okay. They advised me that the payment to agreement was cancelled due to one of the scheduled payments not going through so how does that justify them taking money out of my account in August twice?? I would like to know that since the agreement was cancelled. These people are legalized crooks and need to be stopped!
With Sallie Mae, I have been sending student loan payments regularly for the past 8 or so years. Zero problems. They were just bought out by Navient. My first payment with Navient resulted in my receiving an email stating that my check bounced. I called my bank, who stated the obvious: my check is good. I had to make a payment online. Navient still doesn't know what happened to my check. It's under investigation.
Here's the kicker: ALL (I mean 100%) customer support is overseas (India & Philippines).
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 26, 2016. Please allow sufficient time for postal delivery.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Problem:
Pursuitant to FDIC executive order against Sallie Mae and Navient, FDIC-13-0366b and FDIC-13-0367k Navient has been hereby ordered to repay me over $20,000 based on their unfair business practices. During the time frame of my repayment of the initial loan, Navient refused to either cooperate or disclose contract terms and conditions specified in the federal law suit won against them. Therefore, I am requesting over $20,000 payment of unfair and fraudelent charges paid to Navient. Per the FDIC consent order and Repayment and restitution plan Navient has been hereby ordered to repay me the above amount specified under law.
Translate
Desired Resolution / Outcome
Desired Resolution:
Refund
select
Desired Outcome:
Per my account [redacted] and loan # [redacted] Navient was paid under protest by me over $38,000. Not only did they violate the Statue of Limitations Laws, but they also refused to cooperate regarding any consumer laws and statues and tried to rather dictate the law themselves. Per the above FDIC lawsuit, I am entitled to my refund and accounts credit refund per FDIC-13-0366b for their unfair business practice and fraud. Therefore, I request my refund amount of $20,000.00. Again, payments were made by me in protest only until legal resolution could be established. This was indeed established by the Federal lawsuit, and Navient refused to comply even after Federal law required it.
Revdex.com: I do not accept the response because I have not heard from Navient, neither by mail not a phone call. I feel as if they are hiding behind confidentiality. Because I have not heard from them I am not able to accept their response.
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
mso-hansi-theme-font: minor-latin;">A representative
from the Office of Customer Advocate contacted the customer by telephone
on May 16, 2016 and resolved the
issue with the customer.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I spoke to a [redacted] at Navient on September 17, 2015. I explained that I felt that Navient's business practices are fraudulent because their statements show payments that I never made and the fact that they changed the amount they claim I owe them (3) times. I also requested from Sallie Mae, the original lender, a statement that showed I owed $0.00, which I provided to Naveint. No one has ever called me back to respond to my inquiries. [redacted] told me that he would be sending me something in the mail and as of today's date, October 1, 2015, I have received nothing in the mail. I reject this because there has been no resolution, I have been ignored again. This continues to affect my credit score as it appears on my credit report. This company needs to be investigated for fraud.
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 28, 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 11, 2015. Please allow sufficient time for
postal delivery.
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on June 29, 2015 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 August 13, 2015. Please allow sufficient time for
postal delivery.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Problem:
Navient violated confidentiality and my privacy and the fair credit reporting act. I requested a co-signer release from Navient on a 10 year old student loan and they claim I still don't qualify. My cosigner is in poor health and needs to be released. If you look at their pre-qualifying requirements. I am an executive and have had a stable job making over $90,000, I have a doctorate and an MBA and completed all of my programs. I am not in default, I am not a payment plan with them, more than half of my credit cards had 0 balances at the time they pull my report and my federal loan are in the process of being consolidating which do not impact this loan in anyway. I have not missed any payments of this loan either.I meet all of the qualifications. They claim that after 10 years and paying the loan for the last 3 on time that I do not qualify. They first stated in a letter I received in June 2015 that my income was insufficient,. I told to submit more documentation regarding my income and when I did that they came up within even excuses. They claimed to have a dispute committee but it never made it to this supposed committee which does not exist. hen after I demonstrated that the my income ($103,000 year annually) was more than sufficient then they stated 5 other things in my credit report that were not accurately. I called to speak to a representative who was not polite and who claimed my large federal loan which has nothing to do with this loan was too big and I needed to pay that one down significantly first before they would consider releasing my cosigner. They continue to make it every excuse to keep my cosigner tied to this loan. They have now issued a letter detailing what they claim was in my credit report to my cosigner with out my permission and violated my rights and confidentiality as again they are trying to make the case that I don't qualify even though they state that credit is not entirely of their decision and again I meet all of their other criteria. Some of their reps have any made statements that they would go after my co-signer's estate. The claim about going after her estate was made in a phone in October 2010 and was stated in several calls over the last 2 years while getting trying to get her released. They even claim in a letter that I did not make 12 consecutive payments and have made the payments. They refused to take me out of their deferment when I asked them not to defer my account and refused to give me a regular payment amount. They kept making the claim that my account was paid up. Their practices are illegal and unethical and they need to release my 77 year old cosigner from this debt that she will never have the ability to pay. They violated confidentiality as they had no right to disclose to my cosigner anything that the claim was in my credit report as I requested the co-signer release and I filed the better business report. This continues to mislead the cosigner, her family and creates more conflict on trying to get her released.
Translate
Desired Outcome:
They retract what they have sent in the form of false information to my cosigner regarding my credit report and they need to release her form the loan. I have already filed formal complaints with the FTC and State's attorney General.
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 28, 2016 and will continue to work directly with the customer to resolve the issue.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. I have not received any correspondence via US mail.
A
representative from the Office of Customer Advocate contacted the customer by
telephone on...
March 3, 2016 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 June 26, 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 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 [redacted] and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[redacted] [redacted]
The representative from Navient somehow believes that threatening phone calls, which I have saved on my phone and taking money out of my account without permission is okay. They advised me that the payment to agreement was cancelled due to one of the scheduled payments not going through so how does that justify them taking money out of my account in August twice?? I would like to know that since the agreement was cancelled. These people are legalized crooks and need to be stopped!
Regards,
[redacted]
With Sallie Mae, I have been sending student loan payments regularly for the past 8 or so years. Zero problems. They were just bought out by Navient. My first payment with Navient resulted in my receiving an email stating that my check bounced. I called my bank, who stated the obvious: my check is good. I had to make a payment online. Navient still doesn't know what happened to my check. It's under investigation.
Here's the kicker: ALL (I mean 100%) customer support is overseas (India & Philippines).
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 26, 2016. Please allow sufficient time for postal delivery.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Problem:
Pursuitant to FDIC executive order against Sallie Mae and Navient, FDIC-13-0366b and FDIC-13-0367k Navient has been hereby ordered to repay me over $20,000 based on their unfair business practices. During the time frame of my repayment of the initial loan, Navient refused to either cooperate or disclose contract terms and conditions specified in the federal law suit won against them. Therefore, I am requesting over $20,000 payment of unfair and fraudelent charges paid to Navient. Per the FDIC consent order and Repayment and restitution plan Navient has been hereby ordered to repay me the above amount specified under law.
Translate
Desired Resolution / Outcome
Desired Resolution:
Refund
select
Desired Outcome:
Per my account [redacted] and loan # [redacted] Navient was paid under protest by me over $38,000. Not only did they violate the Statue of Limitations Laws, but they also refused to cooperate regarding any consumer laws and statues and tried to rather dictate the law themselves. Per the above FDIC lawsuit, I am entitled to my refund and accounts credit refund per FDIC-13-0366b for their unfair business practice and fraud. Therefore, I request my refund amount of $20,000.00. Again, payments were made by me in protest only until legal resolution could be established. This was indeed established by the Federal lawsuit, and Navient refused to comply even after Federal law required it.
Revdex.com: I do not accept the response because I have not heard from Navient, neither by mail not a phone call. I feel as if they are hiding behind confidentiality. Because I have not heard from them I am not able to accept their response.
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
A representative from the Office of...
Customer
Advocate contacted the customer by telephone on March 15, 2016 and
resolved the issue with the customer.
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on September 11, 2015 and resolved
the issue with the customer.
A
representative from the Office of Customer Advocate contacted the customer by
telephone on...
June 16, 2016 and we are working with
the customer directly to resolve the issue.