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.
Considering a loan institution would allow someone to fraudulently obtain a loan in my name and also refuse to remove my name from that loan, even when told about the fraud. I can not accept any resolution that does not result with my name being removed from a fraudulent loan.
Regards,
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on September 30, 2016. Please allow sufficient time for
postal delivery.
font-family: Georgia; font-size: 10pt;">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.
The company has sent the exact same letter they originally sent, from the exact same person. They claim that since I have a good credit report I can make the payment. My ability to pay should be based on my income and not on my credit report. Also, they are still electronically taking the payment from my account - the payment that I can afford, but they said I do not qualify for. And they are still marking my account as past due and said they will send it to collections. They read from que cards when I call to talk to them, they don't listen or try to help.
Regards,
A representative from the Office of Customer Advocate contacted the customer by telephone on January 6, 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 November 24, 2014. 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 1, 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.the comapny has failed to admit to thier error in the transfer of bussions names and handleing of acctouns. they have no recrd of me setting up an automatic transfer. They also said that I was notified of the business change and I was not. they said they have been trying to reach me by phone, they have not.
150%; font-family: Georgia; font-size: 10pt;">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 yet to receive the documents I requested from this company. Furthermore, I NEVER signed any agreement with Navient. My agreement was with Sallie Mae. However, I know that Navient is now acting as Sallie Mae, since Sallie Mae has major lawsuits pending against them due to unlawful schemes they were subjecting present and former students to.I am requesting that I am alleviated of all responsibility for these student loans. I also request that all harassing phone calls come to an end. Since my agreement was with Sallie Mae and the company Sallie Mae no longer exists, legally, I am not responsible for making payments to Navient. Therefore, Navient should not be posting negative feedback to my credit; harassing me with phone calls and attempting to collect a debt that I NEVER agreed to pay to them and is not owed. I am also requesting that all negative feedback be removed from my credit and to be alleviated of responsibility.
Regards,
mso-hansi-theme-font: minor-latin;">A representative
from the Office of Customer Advocate contacted the customer by telephone
on November 1, 2016 and resolved the
issue with the customer.
Georgia; font-size: 10pt; line-height: 150%;">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.
My apologies for not responding to the request I just realized that this email was in my "junk" folder. As of 11/25/14 the payment of $85.00 has not be transferred from Sallie Mae to Navient. All other outcomes have been addressed and a "place marker" payment has been place don my account to appear as if it is all up to date. However, the $85 has not been transferred at this time.
How do I respond to the email given since it has been deemed as a closed case?
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 10, 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 March 30, 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.
Please note that I will be out of the country until April 25 and will not be able to response to any communications until I return. Please note that the "loan contract documentation" send by Navient to me is not a US Department of Education loan agreement, doesn't have terms of the loan and lacks even the amount borrowed or a valid signature of a debtor. Just more phony information. In Navient's response they fail to address the fact that they tricked me into voluntarily putting the loans into default only so that they could add additional "collection costs". Navient told me at that time that the only way I could get actual loan documents was to put the loans into default and have them sent to the US Department of Education Default Resolution Group. This I did only to have Navient hide the loans from me for 5 months telling me my son's account was closed and they could no longer talk with me about his loans. Now Navient is saying that the only way to have the loans transferred to the US Department of Education is to do a loan consolidation which makes all of their illicit "collection costs" part of the principal. Clearly why they tricked me into the default in the first place. Navient did send me one document that seems to have been signed by [redacted]. The document states the he agrees to pay up to 18% of the loan for any incurred collection costs. Two days ago Navient admitted that although they have charged more than $40K in "collection costs" that they haven't actually incurred any "collect costs" and in effect these charges are only additional profit. The Navient account manager that I spoke with told me that "costs and profits are all the same to me". The conversation was recorded. I so appreciate everything that you can do to help us. IT is likely that we will eventually have to go to court because we've been fighting this for more than four years and it's all been like this, deception and lies. [redacted] [redacted]
[redacted]
[redacted] [redacted]
[redacted]
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on February 12, 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 May 27, 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 find that this resolution is satisfactory to me.
Regards,I did speak with someone over the phone and they asked me if they could remove this from the website. I agreed only as long as this is settled.
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 believe that Navient keeping my records private is an issue. I could provide you with my bank account and my account history on Navient taking the payments and replacing the payments. This loan should have already been paid off, instead it's sitting and collecting interest. I think the interest should completely be resolved, and not by me. I will take responsibility for the principal balance on this account, however, I still will not be satisfied as a customer of Navient. There are several other complaints that I have viewed online and the business is fraudulent to some degree.
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.
Dear Delaware Revdex.com Representative, I marked the complaint resolved (see attached history) with Navient but they failed to follow through. I settled my school loan for #3,725.21 (see record blow cut & pasted from bank record). EBS is Navient's recovery company. Navient has my loan listed as making one big payment and owing the balance instead of a settlement payoff. As you can see this transaction was made 12/23. The company said they would send a confirmation: I asked them to send it both email and USPS. I was told they sent it by email on 12/29 but I have no such record in any of my emails including deleted, folders etc. I never received anything by USPS and was told later that they do not send letters by USPS (which is another lie). Resolution is for Navient to immediately acknowledge settlement payoff by email and USPS and reflect payoff in all 3 credit bureau records and Navient's online site. Thanks,[redacted]
12/23/14 DEBIT CARD PURCHASE XXXXX9688 EBS XXXXX5677 PA $3,725.21
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.
Considering a loan institution would allow someone to fraudulently obtain a loan in my name and also refuse to remove my name from that loan, even when told about the fraud. I can not accept any resolution that does not result with my name being removed from a fraudulent loan.
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 September 30, 2016. Please allow sufficient time for
postal delivery.
font-family: Georgia; font-size: 10pt;">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.
The company has sent the exact same letter they originally sent, from the exact same person. They claim that since I have a good credit report I can make the payment. My ability to pay should be based on my income and not on my credit report. Also, they are still electronically taking the payment from my account - the payment that I can afford, but they said I do not qualify for. And they are still marking my account as past due and said they will send it to collections. They read from que cards when I call to talk to them, they don't listen or try to help.
Regards,
A representative from the Office of Customer Advocate contacted the customer by telephone on January 8, 2015 and resolved the issue with the customer.
A representative from the Office of Customer Advocate contacted the customer by telephone on January 6, 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 November 24, 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 June 1, 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.the comapny has failed to admit to thier error in the transfer of bussions names and handleing of acctouns. they have no recrd of me setting up an automatic transfer. They also said that I was notified of the business change and I was not. they said they have been trying to reach me by phone, they have not.
150%; font-family: Georgia; font-size: 10pt;">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 yet to receive the documents I requested from this company. Furthermore, I NEVER signed any agreement with Navient. My agreement was with Sallie Mae. However, I know that Navient is now acting as Sallie Mae, since Sallie Mae has major lawsuits pending against them due to unlawful schemes they were subjecting present and former students to.I am requesting that I am alleviated of all responsibility for these student loans. I also request that all harassing phone calls come to an end. Since my agreement was with Sallie Mae and the company Sallie Mae no longer exists, legally, I am not responsible for making payments to Navient. Therefore, Navient should not be posting negative feedback to my credit; harassing me with phone calls and attempting to collect a debt that I NEVER agreed to pay to them and is not owed. I am also requesting that all negative feedback be removed from my credit and to be alleviated of responsibility.
Regards,
A
representative from the Office of Customer Advocate contacted the customer by
telephone on...
August 1, 2016 and we are working with
the customer directly to resolve the issue.
mso-hansi-theme-font: minor-latin;">A representative
from the Office of Customer Advocate contacted the customer by telephone
on November 1, 2016 and resolved the
issue with the customer.
Georgia; font-size: 10pt; line-height: 150%;">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.
My apologies for not responding to the request I just realized that this email was in my "junk" folder. As of 11/25/14 the payment of $85.00 has not be transferred from Sallie Mae to Navient. All other outcomes have been addressed and a "place marker" payment has been place don my account to appear as if it is all up to date. However, the $85 has not been transferred at this time.
How do I respond to the email given since it has been deemed as a closed case?
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 10, 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 March 30, 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.
Please note that I will be out of the country until April 25 and will not be able to response to any communications until I return. Please note that the "loan contract documentation" send by Navient to me is not a US Department of Education loan agreement, doesn't have terms of the loan and lacks even the amount borrowed or a valid signature of a debtor. Just more phony information. In Navient's response they fail to address the fact that they tricked me into voluntarily putting the loans into default only so that they could add additional "collection costs". Navient told me at that time that the only way I could get actual loan documents was to put the loans into default and have them sent to the US Department of Education Default Resolution Group. This I did only to have Navient hide the loans from me for 5 months telling me my son's account was closed and they could no longer talk with me about his loans. Now Navient is saying that the only way to have the loans transferred to the US Department of Education is to do a loan consolidation which makes all of their illicit "collection costs" part of the principal. Clearly why they tricked me into the default in the first place. Navient did send me one document that seems to have been signed by [redacted]. The document states the he agrees to pay up to 18% of the loan for any incurred collection costs. Two days ago Navient admitted that although they have charged more than $40K in "collection costs" that they haven't actually incurred any "collect costs" and in effect these charges are only additional profit. The Navient account manager that I spoke with told me that "costs and profits are all the same to me". The conversation was recorded. I so appreciate everything that you can do to help us. IT is likely that we will eventually have to go to court because we've been fighting this for more than four years and it's all been like this, deception and lies. [redacted] [redacted]
[redacted]
[redacted] [redacted]
[redacted]
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 12, 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 May 27, 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 find that this resolution is satisfactory to me.
Regards,I did speak with someone over the phone and they asked me if they could remove this from the website. I agreed only as long as this is settled.
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 believe that Navient keeping my records private is an issue. I could provide you with my bank account and my account history on Navient taking the payments and replacing the payments. This loan should have already been paid off, instead it's sitting and collecting interest. I think the interest should completely be resolved, and not by me. I will take responsibility for the principal balance on this account, however, I still will not be satisfied as a customer of Navient. There are several other complaints that I have viewed online and the business is fraudulent to some degree.
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.
Dear Delaware Revdex.com Representative, I marked the complaint resolved (see attached history) with Navient but they failed to follow through. I settled my school loan for #3,725.21 (see record blow cut & pasted from bank record). EBS is Navient's recovery company. Navient has my loan listed as making one big payment and owing the balance instead of a settlement payoff. As you can see this transaction was made 12/23. The company said they would send a confirmation: I asked them to send it both email and USPS. I was told they sent it by email on 12/29 but I have no such record in any of my emails including deleted, folders etc. I never received anything by USPS and was told later that they do not send letters by USPS (which is another lie). Resolution is for Navient to immediately acknowledge settlement payoff by email and USPS and reflect payoff in all 3 credit bureau records and Navient's online site. Thanks,[redacted]
12/23/14 DEBIT CARD PURCHASE XXXXX9688 EBS XXXXX5677 PA $3,725.21