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/the payment of $has not be transferred from Sallie Mae to NavientAll 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 dateHowever, the $has not been transferred at this time How do I respond to the email given since it has been deemed as a closed case?
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 recently was on a repayment program grandfathered in from Sallee Mae for a few yearsMy financial situation has yet to changeWhen the financial report was done to renew the program, they determined I can pay the full amount, which I cannotI've sent in smaller payments since the expiration of my program as best as I could and have sent in several letters and emails requesting assistance to get back on the program, to no availI'm not sure why they are unable to come to the same balance we have left monthly after all of our debtThey're hurting my credit score and ability to afford basic life needs at this timeTranslate Desired Resolution / Outcome Desired Resolution: Billing Adjustment select Desired Outcome: I need to go back to a month because paying double at thus time us not feasible
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 12, 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: Dear Navient, I am in receipt of your letter in response to my claim with the Revdex.comI am requesting that this matter be escalatedYou stated in your letter that the day late is accurate and will not be removed however I disagree with your findings for the following reasonsBelow is an outline of my payment history to Sallie Mea/ Navient for the past months01/10/a payment was made in the amount of $2/7/a payment was made in the amount of $3/24/a payment was made in the amount of $April payment was late however still within days5/17/payment of $was made for April6/16/Payment of $was made to cover May’s payment as well as June’s payment bringing account currentJuly payment was late however still within days08/13/a payment was made in the amount of that was applied to July 9/11/a payment of was made that covered august(Still not days late) At time of payment the Sallie Mae agent had stated that my account was past due (September payment)I informed the agent that I was going to find a way to make the payment with my next check which would have made my account currentThe agent recommended that they set me up with automatic payment and after payments the missing payment would be added to the back of my loanI was told that it would NOT go on my credit10/15/a payment was made of 11/15/a payment was made of On 12/15/I had to cancel the automatic payments that the agent setup for the following reasons aThe amount that was setup by the agent as a monthly charge was incorrect leaving a past due balance of several dollars each monthbThe auto payments were on the 15th and my load is due on the 5th making my loan late monthlyWhen I called I explained to the operator my intentions to make the additional monthly payment event though the payment was going to be toughI informed the operator I would make another monthly payment on 9/17/The operator suggested to enroll in the program so I didn’t have the make an extra payment and it wouldn’t affect my creditIn your letter dated December 29th you state that for the program you must complete a financial statement to determine eligibilityI did not provide any financial information during my callThe only statement that I completed was an automated confirmation agreeing to the monthly payments that were setup by the agentConclusion: As stated in your letter I understand that Navient has policies to “Report months of account activityConsequently, we are prohibited from altering previously and accurately reported delinquent information” however the day late was an outcome of your agents recommendationI’m sure Navient also has policies pertaining to providing the customer with incorrect information regarding information being reported to the credit agency, Setting up incorrect payment dates, and setting up incorrect payment amounts, and not properly completing the financial statement to determine eligibilitySince when I call Sallie Mae/Navient I am informed that the calls are recorded I’m sure you will have no difficulties confirming my statements in this letterTranslate Desired Outcome: I am requesting the day late be removed from the credit agencies
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 17, 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 response from Navient is unacceptable as it fails toaddress the concerns of my complaintNavient is using graduate deferment regulations,which were put in place to protect borrowers, to take advantage of me as astudent loan borrowerMy automatic monthly payments were cancelled and myinterest rate was increased.Navient failed to provide me with proper notification of thechanges to my account; I didn’t received a letter or email correspondenceThemonthly statements I receive online mention that my payment terms have changed,but provide no detail as to: Why the payment terms changed That my automatic payments were cancelled That the interest rate on my loans was increasedIn addition to my aforementioned points, Navient has failed tonotice that the promissory notes I have signed with my student loans are notall the sameNot all of my loans include a section governing the in schoolautomatic deferment optionThus, Navient’s actions have violated my rights andtheir actions need to be corrected.If this situation is not resolved, to my satisfaction, assoon as possible, I will seek legal counsel and take my story to the press andelected officials 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 I have not received any communication from Navient 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 February 20, [redacted] ** [redacted] [redacted] [redacted] [redacted] Dear [redacted] : I am in receipt of your letters dated within days of one another; 2/03/and 2/14/ Your attempt to explain what has happened to the above account is received, but not without dispute Once again, I will tell you that the last communication I received regarding my Sallie Mae student loan was that it was in deferment for the period 5/11/– 12/31/(a copy of this notification is attached) Also again, I had not received any formal or official communication from NAVIENT or Sallie Mae regarding the fact that you have taken over Salle Mae, and that my student account was activated and/or due, since it was in deferment until 12/31/ Therefore, it is unfair credit practices for you to send me a statement telling me that I am already two months past due when, as a consumer, I was not made aware of the fact that anything was due, nor even who you are Again, I am disputing the past due amount and insist that the account be reset In your letter of 2/03/15, you indicated that multiple notifications were sent to me throughout It should not be difficult for you, then, to send me official copies of said notices that were mailed to me multiple times In my complaint to the Revdex.com and NAVIENT on 1/26/2015, here is what was stated: Here is what needs to happen:IN WRITING, I need legal notification that Sallie Mae no longer represents my student loan.2.IN WRITING, I need legal notification that Navient is now representing that student loan, and whyDid Sallie Mae sell the loan?If everything is legitimate and the loan is now activated, I need WRITTEN notice of thatWhy didnt I receive this from Sallie Mae back in December? 4.The account needs to be reset and be current without forebearance, etcwhere you simply charge me more moneyYou must follow the guidelines of the lawYou cannot send me a past due bill out of nowherePlease respond IN WRITINGI dispute this debt due to reasons stated aboveI dont know who or what Navient isThis is my second request to receive documentation IN WRITING Your letter of 2/03/satisfies #of the above, and # It does not however, comply with #and/or # I am aware that I have rights under the FTC, and FCRA This goes beyond poor customer serviceYour practices have and are violating my rights Please comply with # and # I dispute the delinquency of this debt to date [redacted] [redacted] [redacted] [redacted] [redacted] *** [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 belowI have received nothing in the mail but a form to fill out, which I can do on line They still call 3-times a day
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 26, Please allow sufficient time for postal delivery
Navient does not offer a real way forward, I have been on the phone trying to resolve my Navient account, only to have Navient call me twice while I was in the midst of the call Navient representative seem to have a mission to repeat the mortgage companies irrational and brutal behavior
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 25, 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 10, 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 Navient responded to my complaint stating that they would not reimburse me the finds since I agreed to their terms and conditions about the automatic payment planHowever, since I set up the payment plan and agreed over the phone, I was not allowed to see anything in writing stating that Navient would be deducting twice per month from my bank accountWhich brings me back to my original pointThe entire time I was on a payment plan with Navient they would only deduct ONE payment from my account for BOTH loansYet when the new payment plan was made they then started deducting TWICE for EACH loanTherefore I do not accept Navients response Regards,
A representative from the Office of Customer Advocate contacted the customer by telephone on June 17, 2015, and we are working with the customer directly to resolve the issue
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below My apologies for not responding to the request I just realized that this email was in my "junk" folder As of 11/25/the payment of $has not be transferred from Sallie Mae to NavientAll 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 dateHowever, the $has not been transferred at this time How do I respond to the email given since it has been deemed as a closed case?
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 recently was on a repayment program grandfathered in from Sallee Mae for a few yearsMy financial situation has yet to changeWhen the financial report was done to renew the program, they determined I can pay the full amount, which I cannotI've sent in smaller payments since the expiration of my program as best as I could and have sent in several letters and emails requesting assistance to get back on the program, to no availI'm not sure why they are unable to come to the same balance we have left monthly after all of our debtThey're hurting my credit score and ability to afford basic life needs at this timeTranslate Desired Resolution / Outcome Desired Resolution: Billing Adjustment select Desired Outcome: I need to go back to a month because paying double at thus time us not feasible
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 12, 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: Dear Navient, I am in receipt of your letter in response to my claim with the Revdex.comI am requesting that this matter be escalatedYou stated in your letter that the day late is accurate and will not be removed however I disagree with your findings for the following reasonsBelow is an outline of my payment history to Sallie Mea/ Navient for the past months01/10/a payment was made in the amount of $2/7/a payment was made in the amount of $3/24/a payment was made in the amount of $April payment was late however still within days5/17/payment of $was made for April6/16/Payment of $was made to cover May’s payment as well as June’s payment bringing account currentJuly payment was late however still within days08/13/a payment was made in the amount of that was applied to July 9/11/a payment of was made that covered august(Still not days late) At time of payment the Sallie Mae agent had stated that my account was past due (September payment)I informed the agent that I was going to find a way to make the payment with my next check which would have made my account currentThe agent recommended that they set me up with automatic payment and after payments the missing payment would be added to the back of my loanI was told that it would NOT go on my credit10/15/a payment was made of 11/15/a payment was made of On 12/15/I had to cancel the automatic payments that the agent setup for the following reasons aThe amount that was setup by the agent as a monthly charge was incorrect leaving a past due balance of several dollars each monthbThe auto payments were on the 15th and my load is due on the 5th making my loan late monthlyWhen I called I explained to the operator my intentions to make the additional monthly payment event though the payment was going to be toughI informed the operator I would make another monthly payment on 9/17/The operator suggested to enroll in the program so I didn’t have the make an extra payment and it wouldn’t affect my creditIn your letter dated December 29th you state that for the program you must complete a financial statement to determine eligibilityI did not provide any financial information during my callThe only statement that I completed was an automated confirmation agreeing to the monthly payments that were setup by the agentConclusion: As stated in your letter I understand that Navient has policies to “Report months of account activityConsequently, we are prohibited from altering previously and accurately reported delinquent information” however the day late was an outcome of your agents recommendationI’m sure Navient also has policies pertaining to providing the customer with incorrect information regarding information being reported to the credit agency, Setting up incorrect payment dates, and setting up incorrect payment amounts, and not properly completing the financial statement to determine eligibilitySince when I call Sallie Mae/Navient I am informed that the calls are recorded I’m sure you will have no difficulties confirming my statements in this letterTranslate Desired Outcome: I am requesting the day late be removed from the credit agencies
A representative from the Office of Customer Advocate contacted the customer by telephone on June 27, 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 17, 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 response from Navient is unacceptable as it fails toaddress the concerns of my complaintNavient is using graduate deferment regulations,which were put in place to protect borrowers, to take advantage of me as astudent loan borrowerMy automatic monthly payments were cancelled and myinterest rate was increased.Navient failed to provide me with proper notification of thechanges to my account; I didn’t received a letter or email correspondenceThemonthly statements I receive online mention that my payment terms have changed,but provide no detail as to: Why the payment terms changed That my automatic payments were cancelled That the interest rate on my loans was increasedIn addition to my aforementioned points, Navient has failed tonotice that the promissory notes I have signed with my student loans are notall the sameNot all of my loans include a section governing the in schoolautomatic deferment optionThus, Navient’s actions have violated my rights andtheir actions need to be corrected.If this situation is not resolved, to my satisfaction, assoon as possible, I will seek legal counsel and take my story to the press andelected officials 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 I have not received any communication from Navient Regards,
etter Business Bureau: I have already updated my complaint ID [redacted] , and have made known that the complaint has been resolved 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 February 20, [redacted] ** [redacted] [redacted] [redacted] [redacted] Dear [redacted] : I am in receipt of your letters dated within days of one another; 2/03/and 2/14/ Your attempt to explain what has happened to the above account is received, but not without dispute Once again, I will tell you that the last communication I received regarding my Sallie Mae student loan was that it was in deferment for the period 5/11/– 12/31/(a copy of this notification is attached) Also again, I had not received any formal or official communication from NAVIENT or Sallie Mae regarding the fact that you have taken over Salle Mae, and that my student account was activated and/or due, since it was in deferment until 12/31/ Therefore, it is unfair credit practices for you to send me a statement telling me that I am already two months past due when, as a consumer, I was not made aware of the fact that anything was due, nor even who you are Again, I am disputing the past due amount and insist that the account be reset In your letter of 2/03/15, you indicated that multiple notifications were sent to me throughout It should not be difficult for you, then, to send me official copies of said notices that were mailed to me multiple times In my complaint to the Revdex.com and NAVIENT on 1/26/2015, here is what was stated: Here is what needs to happen:IN WRITING, I need legal notification that Sallie Mae no longer represents my student loan.2.IN WRITING, I need legal notification that Navient is now representing that student loan, and whyDid Sallie Mae sell the loan?If everything is legitimate and the loan is now activated, I need WRITTEN notice of thatWhy didnt I receive this from Sallie Mae back in December? 4.The account needs to be reset and be current without forebearance, etcwhere you simply charge me more moneyYou must follow the guidelines of the lawYou cannot send me a past due bill out of nowherePlease respond IN WRITINGI dispute this debt due to reasons stated aboveI dont know who or what Navient isThis is my second request to receive documentation IN WRITING Your letter of 2/03/satisfies #of the above, and # It does not however, comply with #and/or # I am aware that I have rights under the FTC, and FCRA This goes beyond poor customer serviceYour practices have and are violating my rights Please comply with # and # I dispute the delinquency of this debt to date [redacted] [redacted] [redacted] [redacted] [redacted] *** [redacted]
A representative from the Office of Customer Advocate contacted the customer by telephone on November 10, 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 belowI have received nothing in the mail but a form to fill out, which I can do on line They still call 3-times a day
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 26, Please allow sufficient time for postal delivery
Navient does not offer a real way forward, I have been on the phone trying to resolve my Navient account, only to have Navient call me twice while I was in the midst of the call Navient representative seem to have a mission to repeat the mortgage companies irrational and brutal behavior
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 25, 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 10, Please allow sufficient time for postal delivery
A representative from the Office of Customer Advocate contacted the customer by telephone on June 29, 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 Navient responded to my complaint stating that they would not reimburse me the finds since I agreed to their terms and conditions about the automatic payment planHowever, since I set up the payment plan and agreed over the phone, I was not allowed to see anything in writing stating that Navient would be deducting twice per month from my bank accountWhich brings me back to my original pointThe entire time I was on a payment plan with Navient they would only deduct ONE payment from my account for BOTH loansYet when the new payment plan was made they then started deducting TWICE for EACH loanTherefore I do not accept Navients response Regards,
A representative from the Office of Customer Advocate contacted the customer by telephone on June 17, 2015, and we are working with the customer directly to resolve the issue
A representative from the Office of Customer Advocate contacted the customer by telephone on November 2, and resolved the issue with the customer