On 5 different occasions I made additional payments on my student loans and elected to have the payment go towards principal. Of all of these payments, all or some of the payment was applied to interest. When I questioned this the representative told me that this was due to a missed payment and the account being past due. My payments are auto drafted monthly and I made 12 consecutive payments, without missing one, prior to the first occurrence. Also, my account history clearly shows that there has not been a late payment on the account. The representative left me on hold for 30 minutes before telling me that a supervisor was not available. Then she told me that if these payments were corrected it would make the account past due and damage my credit score. My next course of action will be to consult an attorney.
I just received a phone call on my work phone about a delinquent student loan from Navient. The best part about it? When they switched from [redacted], I re-enrolled in automatic debit. And they call me and tell me I'm delinquent? Then once I'm off the phone I log in to check my account and it says "You are enrolled in automatic debit." Sounds like a fault on their part, not mine. There is not much more I can do. I miss [redacted].
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on September 1, 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 July 10, 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 was contacted by a lady by the name of [redacted] from Navient. She told me there is nothing she can do to change the interest rate of the loan. I think that is a complete lie because you can negotiate interest rates with banks, credit card companies, etc. I have also been told by others that they have negotiated the interest rate on their student loans. They sent me the original copies from the loan when Sallie Mae owned it and it does state 13% interest but I believe this company should work with their customers to help them achieve a better life instead of being in debt for forever. [redacted] also told me that I should just go get a different loan to pay it off to be done with them. The only way I would consider is if they dropped the interest and just allowed me to pay off the principal.
Regards,
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.
They need to STOP the harassing calls to anyone and anybody they feel like. I talk to them on a regular basis. they have my contact information and there is absolutely no need to call anyone else They are calling CELL PHONES of folks!! They need to stop! Sending me a letter is NOT the answer and Revdex.com needs to bring this harassment to a stop.
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.
Navient was unwilling to work with me to get to a reasonable payment agreement, despite documentation of finances and given situations. They refused to after the wonderful representative, Justin, strong case and determination to help to even offer any other type of solution. The only resolution is to pay the full amount which I can't afford or default the loan. I do not think it is fair that they are so unwilling to even come to an agreement and are very one sided in this matter.
Regards,
Again big business has exploited the young people trying to get ahead. With high interest rates, for those less fortunate among us. They change account numbers and payment addressees for primary and cosigner to further agitate the process. I sense another Bernie Madoff American greed scam approaching.
A representative from the Office of Customer Advocate contacted the customer by telephone on November 18, 2014 and resolved the issue with the customer.
Bureau:
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:
I had a kidney transplant as a child. In 2014 I was in the hospital frequently dealing with severe health problems. In October Sallie Mae called me while in the hospital and I told them of my illness. The rep places me on a forbearance. Informing me nothing would be due until January. I have been dealing with an ombudsperson named [redacted] since early 2014. I asked her to call me in November and told Her I was very sick and could you please make the collectors stop calling me. Some of the collectors were telling me why did you answer your phone when you couldn't pay. Then in November a lady named Gay called from Navient. I had never heard from Navient. All of my loans are with Sallie Mae and I have an email showing they are in forbearance. In December I reached out to sallie Mae office of the customer advocate. I was told all my loans were sold to Navient and actually [redacted] worked for Navient now. I asked if an email could be sent so that I may talk to [redacted]. [redacted] left me a voice message and I called right back I left a message in November and Decmember I left several messages for [redacted] to call me because of the Holidays I found out she was out of the office. She called me back last week after I left her 2 voicemessages. Jennifer from Navient advised she listened to some calls and I was told correctly. I don't hvae the luxury of listening to phone calls between myself and Navient. First I was not told I was being recorded when I called [redacted], the ombuds person which is the law in AZ. Another thing when the payment plan was set up in Deckember someone called me right back to apologize for the previous representative not fixing the past due statuses. I spoke to Jennifer today and she would not show any willingness to help. I even shared I wasn't required to call [redacted] but kept calling and wasn't getting phone calls back.
Translate
Desired Outcome:
I have perfect credit! Navient made my mistake. I have a letter you sent me advising a mistake was made on my account. I even received a refund check to make up for the late fees that Navient charged that were against the law. Navient did not let me know they were covering all of my student loans from Sallie Mae. Different reps would say you are in forbearance until January. Jennifer pointed out today yet I have multiple loans within Navient. How is the consumer suppose to know what loans are past due without the rep stating. I believe under the fair credir act you are making an error on my credit report. I am asking you to Kindly fix this error. I want any negative reporting from Navient to be taken off my credit report. In addition Jennifer stated she listened to calls, but she only listened to calls that made her theory true. She did not listen to every call. I will keep fighting on this issue until the issue is fixed. Please escalate my complaint beyond Jennifer. Thank you.
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 fraud packet. Issue not resolved.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on November 13, 2015. Please allow sufficient time for
postal delivery.
minor-latin'>A representative from the Office of Customer Advocate contacted the customer by telephone on October 18, 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 received a voicemail from the Office of the Customer Advocate asking for a return call. However, I have been leaving voicemails for the past month with no response. I also received a letter stating the issue was resolved, yet this next month's statement is still incorrect. This is professionally unacceptable, both with the lack of follow up and the continued inability to allocate funds correctly.
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 August 19, 2015. Please allow sufficient time for postal delivery.
mso-hansi-theme-font: minor-latin;">A representative
from the Office of Customer Advocate contacted the customer by telephone
on June 27, 2016 and resolved the
issue with the customer.
On 5 different occasions I made additional payments on my student loans and elected to have the payment go towards principal. Of all of these payments, all or some of the payment was applied to interest. When I questioned this the representative told me that this was due to a missed payment and the account being past due. My payments are auto drafted monthly and I made 12 consecutive payments, without missing one, prior to the first occurrence. Also, my account history clearly shows that there has not been a late payment on the account. The representative left me on hold for 30 minutes before telling me that a supervisor was not available. Then she told me that if these payments were corrected it would make the account past due and damage my credit score. My next course of action will be to consult an attorney.
I just received a phone call on my work phone about a delinquent student loan from Navient. The best part about it? When they switched from [redacted], I re-enrolled in automatic debit. And they call me and tell me I'm delinquent? Then once I'm off the phone I log in to check my account and it says "You are enrolled in automatic debit." Sounds like a fault on their part, not mine. There is not much more I can do. I miss [redacted].
A representative from the Office of...
Customer
Advocate contacted the customer by telephone on February 17, 2016 and
resolved the issue with the customer.
A representative from the Office of Customer Advocate contacted the customer by telephone on February 23, 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 September 1, 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 July 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 March 11, 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.
I was contacted by a lady by the name of [redacted] from Navient. She told me there is nothing she can do to change the interest rate of the loan. I think that is a complete lie because you can negotiate interest rates with banks, credit card companies, etc. I have also been told by others that they have negotiated the interest rate on their student loans. They sent me the original copies from the loan when Sallie Mae owned it and it does state 13% interest but I believe this company should work with their customers to help them achieve a better life instead of being in debt for forever. [redacted] also told me that I should just go get a different loan to pay it off to be done with them. The only way I would consider is if they dropped the interest and just allowed me to pay off the principal.
Regards,
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.
They need to STOP the harassing calls to anyone and anybody they feel like. I talk to them on a regular basis. they have my contact information and there is absolutely no need to call anyone else They are calling CELL PHONES of folks!! They need to stop! Sending me a letter is NOT the answer and Revdex.com needs to bring this harassment to a stop.
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.
Navient was unwilling to work with me to get to a reasonable payment agreement, despite documentation of finances and given situations. They refused to after the wonderful representative, Justin, strong case and determination to help to even offer any other type of solution. The only resolution is to pay the full amount which I can't afford or default the loan. I do not think it is fair that they are so unwilling to even come to an agreement and are very one sided in this matter.
Regards,
Again big business has exploited the young people trying to get ahead. With high interest rates, for those less fortunate among us. They change account numbers and payment addressees for primary and cosigner to further agitate the process. I sense another Bernie Madoff American greed scam approaching.
A representative from the Office of Customer Advocate contacted the customer by telephone on November 18, 2014 and resolved the issue with the customer.
Better Business...
Bureau:
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:
I had a kidney transplant as a child. In 2014 I was in the hospital frequently dealing with severe health problems. In October Sallie Mae called me while in the hospital and I told them of my illness. The rep places me on a forbearance. Informing me nothing would be due until January. I have been dealing with an ombudsperson named [redacted] since early 2014. I asked her to call me in November and told Her I was very sick and could you please make the collectors stop calling me. Some of the collectors were telling me why did you answer your phone when you couldn't pay. Then in November a lady named Gay called from Navient. I had never heard from Navient. All of my loans are with Sallie Mae and I have an email showing they are in forbearance. In December I reached out to sallie Mae office of the customer advocate. I was told all my loans were sold to Navient and actually [redacted] worked for Navient now. I asked if an email could be sent so that I may talk to [redacted]. [redacted] left me a voice message and I called right back I left a message in November and Decmember I left several messages for [redacted] to call me because of the Holidays I found out she was out of the office. She called me back last week after I left her 2 voicemessages. Jennifer from Navient advised she listened to some calls and I was told correctly. I don't hvae the luxury of listening to phone calls between myself and Navient. First I was not told I was being recorded when I called [redacted], the ombuds person which is the law in AZ. Another thing when the payment plan was set up in Deckember someone called me right back to apologize for the previous representative not fixing the past due statuses. I spoke to Jennifer today and she would not show any willingness to help. I even shared I wasn't required to call [redacted] but kept calling and wasn't getting phone calls back.
Translate
Desired Outcome:
I have perfect credit! Navient made my mistake. I have a letter you sent me advising a mistake was made on my account. I even received a refund check to make up for the late fees that Navient charged that were against the law. Navient did not let me know they were covering all of my student loans from Sallie Mae. Different reps would say you are in forbearance until January. Jennifer pointed out today yet I have multiple loans within Navient. How is the consumer suppose to know what loans are past due without the rep stating. I believe under the fair credir act you are making an error on my credit report. I am asking you to Kindly fix this error. I want any negative reporting from Navient to be taken off my credit report. In addition Jennifer stated she listened to calls, but she only listened to calls that made her theory true. She did not listen to every call. I will keep fighting on this issue until the issue is fixed. Please escalate my complaint beyond Jennifer. Thank you.
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 fraud packet. Issue not resolved.
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 13, 2015. Please allow sufficient time for
postal delivery.
minor-latin'>A representative from the Office of Customer Advocate contacted the customer by telephone on October 18, 2016 and resolved the issue with the customer.
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on January 20, 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 received a voicemail from the Office of the Customer Advocate asking for a return call. However, I have been leaving voicemails for the past month with no response. I also received a letter stating the issue was resolved, yet this next month's statement is still incorrect. This is professionally unacceptable, both with the lack of follow up and the continued inability to allocate funds correctly.
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 August 19, 2015. Please allow sufficient time for postal delivery.
mso-hansi-theme-font: minor-latin;">A representative
from the Office of Customer Advocate contacted the customer by telephone
on June 27, 2016 and resolved the
issue with the customer.