Navient has intentionally incorrectly applied my loan payment to the incorrect loan, as loan one is my sisters and loan two through four are my own. I have explicitly asked them every time I call to apply my debit card payment to only loans two through four. They then apply my payment to all loans, creating a past due balance on my account. This has happened 7 months in a row. Additionally, they will send payment confirmation e-mail's to my personal e-mail some months, but say it's a violation of privacy other's. Either way, they have either sent me sensitive information wrongly or they are intentionally trying to make it so I do not know which loan's my payment has been applied to. This is a parent-plus loan under my Mother's name.
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:
I am currently only working part-time and the cosigner for my student loans is struggling financially as well. We have proven to Navient at least three times that we are currently unable to make the payments they are asking for monthly. For the fifth time now, they have accepted me into a program to lower my monthly payments, started taking payments out of my account, and then later denied the program. It is unacceptable to take months of payments out of my account and then later decide to deny me the lower payment program. I am fed up with this unprofessional company and its employees who have absolutely no idea what they are doing. I believe that they only accepted me into the program initially to appease the Revdex.com the last time I complained, and now they are taking back the resolution to this problem.
Translate
Desired Resolution / Outcome
Desired Resolution:
Billing Adjustment
select
Desired Outcome:
I want to continue making the lower monthly payments that we had previously agreed upon. I cannot afford to pay any more than that per month.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on January 22, 2016. 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 July 13, 2016 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 October 25, 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 August 2, 2016. Please allow sufficient time for postal delivery.
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.
Problem:
On January 2, 2015, I filed a complained with Revdex.com concerning Navient because I was alerted that they had reported a negative line item on my credit report. The reporting was in reference to one of my loans that was showing past due because of an incorrect interest rate amount that was higher than it should have been. Because this issue was never corrected, my account would report as being past due even though it was not. After filing my complaint, I was contacted by a Customer Advocate named [redacted] Ms. [redacted] assured me that the interest rate would be corrected and that the negative line items would be reported as incorrect. The interest rate issue was corrected by Navient. However, a week later, I received a letter from Ms. [redacted] stating that she could not find any evidence that Navient had reported my loan to any of the credit bureaus. I explained to Ms. [redacted] that I had a copy of my credit report from Experian, and that it showed that Navient had report my loan being six months past due on 12-26-2014. She told me to send her a copy of the credit report, but if they could not find any record of having reported the line item, that they would not be sending a letter to any of the agencies. I mailed a copy of the credit report, and I have not heard from Ms. [redacted] since.It is not my responsibility to draft a letter to each of the credit bureaus when obviously, Navient made the false reporting. The copy of my credit report should be all the evidence that they need to prove that they made the negative report.
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Desired Settlement / Outcome
Desired Settlement:
select
Desired Outcome:
I need for Navient to send a letter to each credit bureau explaining that this reporting was made in error. Navient had no problem with drafting a letter telling me that they could not find any record of them having reported anything to the credit bureaus, so they shouldn't have any issues with drafting a letter to Trans Union, Experian, and Equifax to the same effect. I, as the consumer, should not have to clean up their mess after I brought the mistake to their attention.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on June 27, 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 find that this resolution is satisfactory to me.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11388187, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Problem:
I, unfortunately, am having to reopen my case against Navient Department of Education Loan Servicing. My original complaint was about Navient not informing me of a form that I neglected to sign. Even though I heard back from Navient's Customer Advocate, she or someone in her office has proven to be just as stupid as everyone else there seems to be. Navient's Customer Advocate sent me forms that are outdated. Today I received a letter from Navient saying "[redacted], we've received your Income-Driven Repayment (IDR) plan application, but it is an old version that expired. Unfortunately, we cannot process your request using the application that you provided." I did not use an old form I had laying around. No. I used forms mailed to me direct from Navient's Customer Advocate Office itself. I REFUSE TO BE HELD ACCOUNTABLE FOR SOMEONE ELSE'S REPEATED MISTAKES!!! I CANNOT HELP IT IF I WAS SENT THE WRONG FORMS!!! I have 35 years of customer service experience under my belt. Is there any way I can get a phone interview for a job at Navient? It is painfully obvious that Navient is in desperate and dire need of competent people.
Translate
Desired Resolution / Outcome
Desired Resolution:
Other (requires explanation)
select
Desired Outcome:
My desired outcome is as follows: 1.) I REFUSE to fill out any more forms - PERIOD!!! I DEMAND that Navient process my application as is since it is Navient who sent me the wrong forms. I WILL NOT accept any other excuses or explanations or other legal mumbo-jumbo. 2.) From now on. going forward, since the Office of the Customer Advocate has proven itself to be just as stupid as everyone else at Navient, I will only accept a response from the CEO of Navient and ONLY from the CEO of Navient. End of story - PERIOD. If anyone else at Navient is assigned to respond to me, I shall declare to the Revdex.com that Navient has refused to resolve this issue to my satisfaction. 3.) I further demand that Navient put me on an Administrative deferment, just like it has recently with no additional charges to my account until this matter is fully resolved to MY satisfaction. 4.) Lastly, I demand that Navient make an entry to my credit report regarding their mistakes to my account, and that any negative reports to my credit report made by Navient be completely stricken from that same credit report. Any other response by Navient other than these demands shall be interpreted by me to be a complete refusal by Navient to listen to and resolve these very serious customer service issues.
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]
[redacted]
Problem:
I have been dealing with Navient for a year and getting different information from different people is getting exhausting. I spoke with a member of the customer service at the beginning of July for a due date change. He could not help me so he transferred me to another department. I got transferred to 4 different people that day and no one helped me. I got a call from consumer relations on 07/08/2016 to resolve the due date change. They agreed to change my due date effective 08/22/2016. He also said that because I had just made a payment, I would not have to pay again for July, and I wouldn't need to make a payment until 08/22/2016. Well... I got an email 08/03/2016 that I was still past due. I called to find out why, and the due date change went into effect for 07/22/2016, so according to the system, I was past due. I made a payment on 08/10/2016 and the representative informed me that she would pull the call from when I spoke with customer relations for the due date change, and follow-up with me in 5 days with what they heard as to whether or not he did in fact tell me that I would not have to pay anything else from 07/07/2016-08/22/2016. I still have not heard anything regarding this and I do not want to call Navient, because I will only get the run around.
Translate
Desired Resolution / Outcome
Desired Resolution:
Contact by the business
select
Desired Outcome:
I would like a call back and for Navient to honor what customer relations originally said to me on July, 8th which is that, I paid on 07/07/2016 and I would not have to pay again until August 22nd. Since I have already made a payment this month on 08/10/2016, I do not want to have to make another payment on 08/22/2016 to keep from being past due again, when I should not be in the first place. Please do not penalize me as a customer for being given wrong information my someone who works there. I would also like it if you removed my cosigner from the loan. Every time my account is past due because you gave me wrong information and contact him, it makes him feel as though I am not being responsible and that is unacceptable. You can check the records from the past, when it was Sallie Mae, with an exception of last year, I have always paid this loan on time. My cosigner is 76 years old and has business of his own to take care of. I do not need you calling to harass him because of mistakes you have made. If you cannot honor this, I will take this higher, because I am tired of dealing with the runaround crap! I have had nothing but issues since you all took over for Sallie Mae and this needs to be the end of it.
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 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 does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Problem:
I have sent multiple letters to each of the multiple address associated with Navient. I have requested that these 10 accounts be validated. I have contacted Illinois Attorney General regarding matter as well. This company has made several violations of FDCPA in attempting to collect the alleged debt. They also continue to report to the credit bureaus with incorrect information. They have reported multiple accounts under different names and addresses, yet all are in fact Navient. Navient has also violated the cease and desist with out proper validations. have placed the accounts with National Enterprise Systems. I am not aware of any indebtedness to Navient or National Enterprise Systems. these are very misleading practices when trying to have this matter resolved.
Translate
Desired Resolution / Outcome
Desired Resolution:
Correction to a credit report
select
Desired Outcome:
Either provide authentic contracts creating an obligation to these multiple companies or remove all inaccurate information from credit report. Best 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.
This is great that they are going to send me a response, but this does not mean that the problem is resolved. As of 9-8-15 I have not received the mailed response. 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 December 18, 2014. Please allow sufficient time for postal delivery.
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 11, 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: I received the exact same letter they originally sent, from the exact same person. I called to talk to him again to get some help and he kept repeating that he "was not a financial advisor". I asked him to stop reading from que cards and help me. He said "that they did not have to offer me anything". I asked what I should do and he said "get an accountant and learn to better manage your money". I asked him to repeat that so that I could record the call, and he kept repeating that he did not give me permission to record the call nor did the company allow me to record the call. I tried to explain that my ability to pay should be based on my income and not my credit report and again he just repeated "I am not a financial advisor". He was rude and would not help me in any way to try to qualify for an acceptable and affordable repayment plan.
Regards,
A representative from the Office of...
Customer
Advocate contacted the customer by telephone on April 7, 2016 and
resolved the issue with the customer.
Navient has intentionally incorrectly applied my loan payment to the incorrect loan, as loan one is my sisters and loan two through four are my own. I have explicitly asked them every time I call to apply my debit card payment to only loans two through four. They then apply my payment to all loans, creating a past due balance on my account. This has happened 7 months in a row. Additionally, they will send payment confirmation e-mail's to my personal e-mail some months, but say it's a violation of privacy other's. Either way, they have either sent me sensitive information wrongly or they are intentionally trying to make it so I do not know which loan's my payment has been applied to. This is a parent-plus loan under my Mother's name.
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:
I am currently only working part-time and the cosigner for my student loans is struggling financially as well. We have proven to Navient at least three times that we are currently unable to make the payments they are asking for monthly. For the fifth time now, they have accepted me into a program to lower my monthly payments, started taking payments out of my account, and then later denied the program. It is unacceptable to take months of payments out of my account and then later decide to deny me the lower payment program. I am fed up with this unprofessional company and its employees who have absolutely no idea what they are doing. I believe that they only accepted me into the program initially to appease the Revdex.com the last time I complained, and now they are taking back the resolution to this problem.
Translate
Desired Resolution / Outcome
Desired Resolution:
Billing Adjustment
select
Desired Outcome:
I want to continue making the lower monthly payments that we had previously agreed upon. I cannot afford to pay any more than that per month.
A representative from the Office of...
Customer
Advocate contacted the customer by telephone on February 12, 2016 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 January 22, 2016. 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 July 13, 2016 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 October 25, 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 August 2, 2016. Please allow sufficient time for postal delivery.
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.
Problem:
On January 2, 2015, I filed a complained with Revdex.com concerning Navient because I was alerted that they had reported a negative line item on my credit report. The reporting was in reference to one of my loans that was showing past due because of an incorrect interest rate amount that was higher than it should have been. Because this issue was never corrected, my account would report as being past due even though it was not. After filing my complaint, I was contacted by a Customer Advocate named [redacted] Ms. [redacted] assured me that the interest rate would be corrected and that the negative line items would be reported as incorrect. The interest rate issue was corrected by Navient. However, a week later, I received a letter from Ms. [redacted] stating that she could not find any evidence that Navient had reported my loan to any of the credit bureaus. I explained to Ms. [redacted] that I had a copy of my credit report from Experian, and that it showed that Navient had report my loan being six months past due on 12-26-2014. She told me to send her a copy of the credit report, but if they could not find any record of having reported the line item, that they would not be sending a letter to any of the agencies. I mailed a copy of the credit report, and I have not heard from Ms. [redacted] since.It is not my responsibility to draft a letter to each of the credit bureaus when obviously, Navient made the false reporting. The copy of my credit report should be all the evidence that they need to prove that they made the negative report.
Translate
Desired Settlement / Outcome
Desired Settlement:
select
Desired Outcome:
I need for Navient to send a letter to each credit bureau explaining that this reporting was made in error. Navient had no problem with drafting a letter telling me that they could not find any record of them having reported anything to the credit bureaus, so they shouldn't have any issues with drafting a letter to Trans Union, Experian, and Equifax to the same effect. I, as the consumer, should not have to clean up their mess after I brought the mistake to their attention.
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 27, 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 find that this resolution is satisfactory to me.
Regards, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11388187, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Problem:
I, unfortunately, am having to reopen my case against Navient Department of Education Loan Servicing. My original complaint was about Navient not informing me of a form that I neglected to sign. Even though I heard back from Navient's Customer Advocate, she or someone in her office has proven to be just as stupid as everyone else there seems to be. Navient's Customer Advocate sent me forms that are outdated. Today I received a letter from Navient saying "[redacted], we've received your Income-Driven Repayment (IDR) plan application, but it is an old version that expired. Unfortunately, we cannot process your request using the application that you provided." I did not use an old form I had laying around. No. I used forms mailed to me direct from Navient's Customer Advocate Office itself. I REFUSE TO BE HELD ACCOUNTABLE FOR SOMEONE ELSE'S REPEATED MISTAKES!!! I CANNOT HELP IT IF I WAS SENT THE WRONG FORMS!!! I have 35 years of customer service experience under my belt. Is there any way I can get a phone interview for a job at Navient? It is painfully obvious that Navient is in desperate and dire need of competent people.
Translate
Desired Resolution / Outcome
Desired Resolution:
Other (requires explanation)
select
Desired Outcome:
My desired outcome is as follows: 1.) I REFUSE to fill out any more forms - PERIOD!!! I DEMAND that Navient process my application as is since it is Navient who sent me the wrong forms. I WILL NOT accept any other excuses or explanations or other legal mumbo-jumbo. 2.) From now on. going forward, since the Office of the Customer Advocate has proven itself to be just as stupid as everyone else at Navient, I will only accept a response from the CEO of Navient and ONLY from the CEO of Navient. End of story - PERIOD. If anyone else at Navient is assigned to respond to me, I shall declare to the Revdex.com that Navient has refused to resolve this issue to my satisfaction. 3.) I further demand that Navient put me on an Administrative deferment, just like it has recently with no additional charges to my account until this matter is fully resolved to MY satisfaction. 4.) Lastly, I demand that Navient make an entry to my credit report regarding their mistakes to my account, and that any negative reports to my credit report made by Navient be completely stricken from that same credit report. Any other response by Navient other than these demands shall be interpreted by me to be a complete refusal by Navient to listen to and resolve these very serious customer service issues.
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]
[redacted]
Problem:
I have been dealing with Navient for a year and getting different information from different people is getting exhausting. I spoke with a member of the customer service at the beginning of July for a due date change. He could not help me so he transferred me to another department. I got transferred to 4 different people that day and no one helped me. I got a call from consumer relations on 07/08/2016 to resolve the due date change. They agreed to change my due date effective 08/22/2016. He also said that because I had just made a payment, I would not have to pay again for July, and I wouldn't need to make a payment until 08/22/2016. Well... I got an email 08/03/2016 that I was still past due. I called to find out why, and the due date change went into effect for 07/22/2016, so according to the system, I was past due. I made a payment on 08/10/2016 and the representative informed me that she would pull the call from when I spoke with customer relations for the due date change, and follow-up with me in 5 days with what they heard as to whether or not he did in fact tell me that I would not have to pay anything else from 07/07/2016-08/22/2016. I still have not heard anything regarding this and I do not want to call Navient, because I will only get the run around.
Translate
Desired Resolution / Outcome
Desired Resolution:
Contact by the business
select
Desired Outcome:
I would like a call back and for Navient to honor what customer relations originally said to me on July, 8th which is that, I paid on 07/07/2016 and I would not have to pay again until August 22nd. Since I have already made a payment this month on 08/10/2016, I do not want to have to make another payment on 08/22/2016 to keep from being past due again, when I should not be in the first place. Please do not penalize me as a customer for being given wrong information my someone who works there. I would also like it if you removed my cosigner from the loan. Every time my account is past due because you gave me wrong information and contact him, it makes him feel as though I am not being responsible and that is unacceptable. You can check the records from the past, when it was Sallie Mae, with an exception of last year, I have always paid this loan on time. My cosigner is 76 years old and has business of his own to take care of. I do not need you calling to harass him because of mistakes you have made. If you cannot honor this, I will take this higher, because I am tired of dealing with the runaround crap! I have had nothing but issues since you all took over for Sallie Mae and this needs to be the end of it.
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 10, 2016. Please allow sufficient time for postal delivery.
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on June 17, 2015 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.
Problem:
I have sent multiple letters to each of the multiple address associated with Navient. I have requested that these 10 accounts be validated. I have contacted Illinois Attorney General regarding matter as well. This company has made several violations of FDCPA in attempting to collect the alleged debt. They also continue to report to the credit bureaus with incorrect information. They have reported multiple accounts under different names and addresses, yet all are in fact Navient. Navient has also violated the cease and desist with out proper validations. have placed the accounts with National Enterprise Systems. I am not aware of any indebtedness to Navient or National Enterprise Systems. these are very misleading practices when trying to have this matter resolved.
Translate
Desired Resolution / Outcome
Desired Resolution:
Correction to a credit report
select
Desired Outcome:
Either provide authentic contracts creating an obligation to these multiple companies or remove all inaccurate information from credit report. Best 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.
This is great that they are going to send me a response, but this does not mean that the problem is resolved. As of 9-8-15 I have not received the mailed response. 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 December 18, 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 October 11, 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: I received the exact same letter they originally sent, from the exact same person. I called to talk to him again to get some help and he kept repeating that he "was not a financial advisor". I asked him to stop reading from que cards and help me. He said "that they did not have to offer me anything". I asked what I should do and he said "get an accountant and learn to better manage your money". I asked him to repeat that so that I could record the call, and he kept repeating that he did not give me permission to record the call nor did the company allow me to record the call. I tried to explain that my ability to pay should be based on my income and not my credit report and again he just repeated "I am not a financial advisor". He was rude and would not help me in any way to try to qualify for an acceptable and affordable repayment plan.
Regards,