protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on October 21, 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 May 19, 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.
I received a letter for Navient which stated that they were unwilling to work something out with me. Navient wants the full payment amount of $144.00 a month until the loan is paid in full. I am unable of afford this amount at this time. I do not want this to go into default that's why I am asking for you assistants in the matter.
Regards,
[redacted]
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on February 10, 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 issue is still pending. The business has requested that I resubmitted my financial information, previously provided in November, via the form included in the letter. It is still to be determined whether this will resolve the issue.
Regards,
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on November 23, 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 7, 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 June 13, 2016. 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 7, 2016. Please allow sufficient time for
postal delivery.
font-size: 10pt; font-family: Georgia;">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.
Navient's land line keeps calling my workplace. The number is [redacted] a landline from Buffalo, NY right where Navient offices are located. Please have them not to call me at work. They sent me a letter claiming that they only have my cell number which is not true if they keep calling. I received another call this morning.
Please help!
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on April 29, 2015. Please allow sufficient time for postal
delivery.
A representative from the Office of Customer Advocate contacted the customer by telephone on January 16, 2015 and resolved the issue with the customer.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on June 2, 2016. Please allow sufficient time for postal delivery.
I am writing with regards to my experience trying to over pay my student loans. As the "customer" I am inclined to feel that the servicer, Navient, would be eager to assist me in reducing my student loan debt but my experience leads me to believe otherwise. Each time I have tried to communicate with Navient's customer service to overpay my loan bill it requires at least 2-3 phone calls to ensure that the payment is applied correctly. For example, I sent in an extra payment with a coverletter specifically requesting that my payment be applied to the principal on my loan, yet it was not done as I requested. I spent 30 minutes on the phone going through your automated system until I could finally get someone to fix it. I recently over payed again, this time over the phone, and that payment was applied to all payments on that loan through October 2015. Maybe I am not being clear enough in my requests, but my ultimate goal is to pay down my loans - not put off payments so that Navient can earn more interest on my outstanding balance. My recommendations to Navient would be the following:
1. Try to anticipate your "customers" needs, rather than profit off of their efforts to reduce debt.
2. Try communicating in any way other than random statements posted to my account. I was recently notified via this system that I've been approved for automatic debit. FYI I've been using automatic debit to pay my student loans since 2007.
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 spoken to Cynthia with the office of the Customer Advocate and she advised she spoke to the fraud department and because the primary account holder the person who committed the fraud is saying I gave my permission that the fraud department wont do anything. They say I have to take her to court and if the judge rules in my favor they will remove the account. I filed a police report paid to have things notarized and sent them countless documents that show I wasn't even living in the same state as the account owner/suspect. Even with all of that I still have to take her to court. I do not except this. Navient cant allow people to open accounts without verifying who is applying. Then base the findings on saying "oh she said she had your permission." What criminal would admit to fraud especially when I filed a police report at Navients request. I have even called Navient prior and they refused to allow me to even speak to the fraud department. I'm sure that call is recorded also. Navient has released non public information to me about the suspects other accounts. They have admitted to this error and its in recorded calls. This is regulatory error and they should be find for that alone. They should also be fined for not properly verifying who is opening accounts and causing me to be a spend countless hours dealing with this and putting together all the information they asked for. Why ask me to file a police report, fill out pages of paperwork, notarized documents, and prove I was in another state.I did all of that and they say sorry the suspect/account holder said you told them they could do it. I have already taken her to court for other matters and won judgement. She also tried and failed to take me to court for a protective order that was dismissed. I can also show she miss used Federal Student loan money to buy non approved items. I can prove she is a liar and has lied in court. As the victim who has shown Navient all of this I still haven't been helped or heard. Listen to the last phone call and that Cynthia and I had and you can tell by her tone and responses that she could really careless about the situation.
I have asked Navient to supply the IP address as to where they got confirmation from me on that I approved the account to be opened. I would also like Navient to supply me with a copy of the email that was sent to my email address. The time line of events for how this account was opened. Meaning Brittany Popelier applied for this account on this Date. Emails were sent to confirm application on this date. The IP addresses that confirmed those emails and the dates they they were confirmed. I would like copies of all the emails and correspondence that has been sent to both parties.
Lastly I want my name removed from this account. The primary has already made payments on the account along with her other accounts and even paying some off. I didn't authorize her or anyone else to use my name or credit or personal info to open this account. Navient allowed the primary to use my personal information and even now that she is paying for it they refuse to remove my name from the account.
Regards,
[redacted]
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.Complaints against Salle Mae and Navient SallieMae and [redacted]Institute of Technology [redacted]
[redacted] Banking Industries keep changing theirbusiness name and I do not know why. At that time what happened classes that Itook there I could have taken at the Community college and it would have been20.00 per unit vs. 600.00 per unit. What happened was that the signaturewas not mine on the loan application from the financial aid office from [redacted]Institute of Technology that forced me took those classes and I had disputedwith them at that time. But they ignored me, don’t want to stop, listenand look what they had done to me. The loan started at $28,000.00 and now it is$150,000.00. Naveen is the servicer now. The servicer used to be [redacted],Sallie Mae then now they have changed it to Navient . When you have moreadministrators making $200,000 a year than Instructors, you have somethingwrong. I think it’s illegal for them to raise the interest rates and accrued ona student loan without my awareness. That financial aid office(please see theattached document) who made those student loans were irresponsible tobegin with – it is also their fault if they are making loans to people believingthey will obtain employment in a given career to pay for it, when there are nojobs available. You can’t force people to pay for that loan that was notsigned legitimately. Who is going to solve the student debt crisis? "I came to this country and worked hard and followed all the laws and paidmy taxes and did the right thing," she said. "Now I feel it's hard totrust anyone."I’m asking and want Revdex.com tohear my complaints about the companies that service student loans“unknown signature Student loan forms the debt stressed, depressedand made me feel like they are took advantage of me. Please help. The schools and banking industry has acted illegally andirresponsibly with the student loans, with the government neglecting andencouraging it. It has to change, and we need to hold those institutionsaccountable. Currently they are not hold accountable – it’s all about shortterm profit, etc., greedy profit making more money. All of our politicians andso called leaders will always tell you that they came from poor beginningsbut....look at where they are today. "Bling"!!! Why do they say that?Think about it? Why would you say that? It’s all about the money & power. Don't get me wrong, capitalism is the best concept and everyoneshould prosper but.....not at the expense of others. Absolutely never! When was the last time you met a person who's goal was not moneybut for the betterment of mankind? I strongly object to a system that is blatantly discriminatoryand unfair to law-abiding Americans living inside our country. I now feellike second class citizens at best, or criminals at worst. The messagesgiven here, along with the enormous fines for improper signature, make me feelterrible as a law abiding citizen.So I’m asking you to be able to discharge (cancel) andforgiveness due to improper signature. Also, at that time what happened classesthat I took there, I could have taken at the Community college and it wouldhave been 20.00 per unit vs. 600.00 per unit. What happened is that the signaturewas not mine on the loan application from the financial aid office from [redacted]Institute of Technology after they forced me took those classes and I haddisputed with them at that time. But they ignored me, don’t want tostop, listen and look what they had done to me now. The loanstarted at $28,000.00 and now it is $150,000.00. Navient is the servicernow. It used to be [redacted] then Sallie Mae now they changed it to Navient.Please let’s do those positive things that made us a great nation & improvethe quality of our school and bank system for our country. Then we willeffect positive change in others for our country. I am asking a resolution on this matter soon. I neverthought I’d be in this situation at my age. I’m hoping to raise my familyin a better future with opportunities and fulfilling dreams. But all I havegotten is cheated, grief and struggled. Please help. Regretfully yours,
line-height: 150%; font-family: Georgia;">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.
im still waiting on the paperwork but [redacted] told me she would put it in the mail some days ago
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on July 1, 2016. We will continue to work 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 October 21, 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 May 19, 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.
I received a letter for Navient which stated that they were unwilling to work something out with me. Navient wants the full payment amount of $144.00 a month until the loan is paid in full. I am unable of afford this amount at this time. I do not want this to go into default that's why I am asking for you assistants in the matter.
Regards,
[redacted]
B
etter Business Bureau:
I have already updated my complaint ID [redacted], and have made known that the complaint has been resolved.
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 10, 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 issue is still pending. The business has requested that I resubmitted my financial information, previously provided in November, via the form included in the letter. It is still to be determined whether this will resolve the issue.
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 23, 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 7, 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 June 13, 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 7, 2016. Please allow sufficient time for
postal delivery.
font-size: 10pt; font-family: Georgia;">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.
Navient's land line keeps calling my workplace. The number is [redacted] a landline from Buffalo, NY right where Navient offices are located. Please have them not to call me at work. They sent me a letter claiming that they only have my cell number which is not true if they keep calling. I received another call this morning.
Please help!
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 April 29, 2015. Please allow sufficient time for postal
delivery.
A representative from the Office of Customer Advocate contacted the customer by telephone on January 16, 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 June 2, 2016. Please allow sufficient time for postal delivery.
I am writing with regards to my experience trying to over pay my student loans. As the "customer" I am inclined to feel that the servicer, Navient, would be eager to assist me in reducing my student loan debt but my experience leads me to believe otherwise. Each time I have tried to communicate with Navient's customer service to overpay my loan bill it requires at least 2-3 phone calls to ensure that the payment is applied correctly. For example, I sent in an extra payment with a coverletter specifically requesting that my payment be applied to the principal on my loan, yet it was not done as I requested. I spent 30 minutes on the phone going through your automated system until I could finally get someone to fix it. I recently over payed again, this time over the phone, and that payment was applied to all payments on that loan through October 2015. Maybe I am not being clear enough in my requests, but my ultimate goal is to pay down my loans - not put off payments so that Navient can earn more interest on my outstanding balance. My recommendations to Navient would be the following:
1. Try to anticipate your "customers" needs, rather than profit off of their efforts to reduce debt.
2. Try communicating in any way other than random statements posted to my account. I was recently notified via this system that I've been approved for automatic debit. FYI I've been using automatic debit to pay my student loans since 2007.
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 spoken to Cynthia with the office of the Customer Advocate and she advised she spoke to the fraud department and because the primary account holder the person who committed the fraud is saying I gave my permission that the fraud department wont do anything. They say I have to take her to court and if the judge rules in my favor they will remove the account. I filed a police report paid to have things notarized and sent them countless documents that show I wasn't even living in the same state as the account owner/suspect. Even with all of that I still have to take her to court. I do not except this. Navient cant allow people to open accounts without verifying who is applying. Then base the findings on saying "oh she said she had your permission." What criminal would admit to fraud especially when I filed a police report at Navients request. I have even called Navient prior and they refused to allow me to even speak to the fraud department. I'm sure that call is recorded also. Navient has released non public information to me about the suspects other accounts. They have admitted to this error and its in recorded calls. This is regulatory error and they should be find for that alone. They should also be fined for not properly verifying who is opening accounts and causing me to be a spend countless hours dealing with this and putting together all the information they asked for. Why ask me to file a police report, fill out pages of paperwork, notarized documents, and prove I was in another state.I did all of that and they say sorry the suspect/account holder said you told them they could do it. I have already taken her to court for other matters and won judgement. She also tried and failed to take me to court for a protective order that was dismissed. I can also show she miss used Federal Student loan money to buy non approved items. I can prove she is a liar and has lied in court. As the victim who has shown Navient all of this I still haven't been helped or heard. Listen to the last phone call and that Cynthia and I had and you can tell by her tone and responses that she could really careless about the situation.
I have asked Navient to supply the IP address as to where they got confirmation from me on that I approved the account to be opened. I would also like Navient to supply me with a copy of the email that was sent to my email address. The time line of events for how this account was opened. Meaning Brittany Popelier applied for this account on this Date. Emails were sent to confirm application on this date. The IP addresses that confirmed those emails and the dates they they were confirmed. I would like copies of all the emails and correspondence that has been sent to both parties.
Lastly I want my name removed from this account. The primary has already made payments on the account along with her other accounts and even paying some off. I didn't authorize her or anyone else to use my name or credit or personal info to open this account. Navient allowed the primary to use my personal information and even now that she is paying for it they refuse to remove my name from the account.
Regards,
[redacted]
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.Complaints against Salle Mae and Navient SallieMae and [redacted]Institute of Technology [redacted]
[redacted] Banking Industries keep changing theirbusiness name and I do not know why. At that time what happened classes that Itook there I could have taken at the Community college and it would have been20.00 per unit vs. 600.00 per unit. What happened was that the signaturewas not mine on the loan application from the financial aid office from [redacted]Institute of Technology that forced me took those classes and I had disputedwith them at that time. But they ignored me, don’t want to stop, listenand look what they had done to me. The loan started at $28,000.00 and now it is$150,000.00. Naveen is the servicer now. The servicer used to be [redacted],Sallie Mae then now they have changed it to Navient . When you have moreadministrators making $200,000 a year than Instructors, you have somethingwrong. I think it’s illegal for them to raise the interest rates and accrued ona student loan without my awareness. That financial aid office(please see theattached document) who made those student loans were irresponsible tobegin with – it is also their fault if they are making loans to people believingthey will obtain employment in a given career to pay for it, when there are nojobs available. You can’t force people to pay for that loan that was notsigned legitimately. Who is going to solve the student debt crisis? "I came to this country and worked hard and followed all the laws and paidmy taxes and did the right thing," she said. "Now I feel it's hard totrust anyone."I’m asking and want Revdex.com tohear my complaints about the companies that service student loans“unknown signature Student loan forms the debt stressed, depressedand made me feel like they are took advantage of me. Please help. The schools and banking industry has acted illegally andirresponsibly with the student loans, with the government neglecting andencouraging it. It has to change, and we need to hold those institutionsaccountable. Currently they are not hold accountable – it’s all about shortterm profit, etc., greedy profit making more money. All of our politicians andso called leaders will always tell you that they came from poor beginningsbut....look at where they are today. "Bling"!!! Why do they say that?Think about it? Why would you say that? It’s all about the money & power. Don't get me wrong, capitalism is the best concept and everyoneshould prosper but.....not at the expense of others. Absolutely never! When was the last time you met a person who's goal was not moneybut for the betterment of mankind? I strongly object to a system that is blatantly discriminatoryand unfair to law-abiding Americans living inside our country. I now feellike second class citizens at best, or criminals at worst. The messagesgiven here, along with the enormous fines for improper signature, make me feelterrible as a law abiding citizen.So I’m asking you to be able to discharge (cancel) andforgiveness due to improper signature. Also, at that time what happened classesthat I took there, I could have taken at the Community college and it wouldhave been 20.00 per unit vs. 600.00 per unit. What happened is that the signaturewas not mine on the loan application from the financial aid office from [redacted]Institute of Technology after they forced me took those classes and I haddisputed with them at that time. But they ignored me, don’t want tostop, listen and look what they had done to me now. The loanstarted at $28,000.00 and now it is $150,000.00. Navient is the servicernow. It used to be [redacted] then Sallie Mae now they changed it to Navient.Please let’s do those positive things that made us a great nation & improvethe quality of our school and bank system for our country. Then we willeffect positive change in others for our country. I am asking a resolution on this matter soon. I neverthought I’d be in this situation at my age. I’m hoping to raise my familyin a better future with opportunities and fulfilling dreams. But all I havegotten is cheated, grief and struggled. Please help. Regretfully yours,
line-height: 150%; font-family: Georgia;">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.
im still waiting on the paperwork but [redacted] told me she would put it in the mail some days ago
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 1, 2016. We will continue to work with the customer directly to resolve the issue.
A representative from the Office of Customer Advocate contacted the customer by telephone on January 30, 2015...
and resolved the issue with the customer.