Navient

Review: The company is not sending out paper bills, They automatically sent to email without my knowledge of them doing so. Then they will finally send out a statement.(they stated " bills are a courtesy") after you're two months behind. The first time I thought nothing of it, however the second "bill" that stated I owed two months amt, I contacted the company and asked why the bills aren't coming monthly, I got the response that they send them via e-mail. I was never asked permission to have this done, nor was I made aware that this is how they bill. So not only are they ruining peoples credit who are trying to build it back up because people unknowingly are late for payments, they are withholding information to custumors on their options for billing. I had requested a direct deposit form from them and the gentalman stated he would mail the form, not e-mail the form and I never recieved via mail. Upon the call today the female CS stated that it was emailed. They held themselves unresponsible for their actions and this is unacceptable business!Desired Settlement: This company should be made to disclose that unless you choose not to have your bills emailed that this is how you will recieve all communication through them!!

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on March 5, 2015 and resolved the

issue with the customer.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.

Review: A representative from Navient called me in regards to loan repayment. I have an overdue amount which I am currently unable to repay. I happily attempted to resolve this issue by suggesting that we explore options that would allow me to repay an amount that I can afford monthly.

I was told that there was nothing that I could do and that I would eventually end up having my wages garnished. As I am committed to repaying my loan, I feel that being told that there is nothing that can be done puts both parties in an unfortunate situation.

I was transferred 5 times to repeat my concerns to a total of 6 different representatives. I finally reached the sixth representative, still hopeful that I would be helped with this situation. After I offered a solution that I could currently afford the representative became unresponsive and hung up on my call. I am still unsure as to why she decided to hang up on me. I was always calm, respectful and patient on each call. I just wanted to find a solution to the issue.Desired Settlement: Assist in attaining a reasonable loan repayment option that will not lead to a ruined credit future nor garnished wages.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on June 23, 2015 and resolved the

issue with the customer.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.I appreciate the action taken by Navient to get the issue resolved and the helpful customer service representative who reached out to me.

Review: I have two student loans with this company and when I called them and talked to them about my loans they told me that while my loans were in deferment because I am still going to school I should pay the interest on my unsubsidized and by making payments to my loan it would all go on the unsubsidized and nothing would be put on the subsidized loan because the government pays the interest on that loan while it is in deferment. I just checked my account and that is not the case they have been applying it to both loans and that's why my unsubsidized actually went up in balance because the interest has been building up. This cant be legal and I don't know if you can do anything to help im going to spend time on the phone with them tomorrow.Desired Settlement: I dont want anything other than the company to fix this issue so that it doesnt happen to other people which I am sure that it is right now because you will never pay off your school loans if the companies do this to you while your in school and they should also have to disclose verbally before giving student loans that the interest builds up on non-subsidized loans and is added to the principle after your loan comes out of deferment.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on November 10, 2015 and resolved

the issue with the customer.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: Navient is a collection agency that has been calling me more than 5 times per day everyday. Ive told them to stop, cease and desist calling several times and that I would call to make my monthly payment around the 15th of each month but they still keep calling and leaving blank voice mails. When I would make a payment they would call a day later trying to get another payment when I had just paid. This is harassment.Desired Settlement: I would like the result to be for them to stop calling me and to remove my student loan, that I would no longer owe it. Also to raise my credit score due to the inconvenience and harassment they've given me and my cosigner.

Business

Response:

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 9, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I recently filed a complaint against this company due to their questionable practices. They offered me a settlement offer which I paid. Now I cant get a hold of anyone to update my records. They are still showing I have a balance and am past due. I contacted the collection company who took the payment and they stated yes for sure this will take care of the loan. [redacted] also sent me a letter saying this will take care of it. I need my information updated since it is getting in the way of me getting a home loan.Desired Settlement: Report my account as settled and paid to ALL credit bureaus. Update your website. Do as you promised.

Business

Response:

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 11, 2014. Please allow sufficient time for postal delivery.

Review: I have had a student loan since 2006 with [redacted]. I have NEVER missed a payment or had a late payment on ANY bill in my life. [redacted] recently made a transition into two companies. Some [redacted] costumers remained [redacted] and other [redacted] customers became members of the new company Navient. I made a ON-TIME payment of $85 on 9/29/14 which was applied to the wrong student loan. I called on 10/3/14 and spoke with Rose from [redacted] and Sandy from Navient and both customer service reps told me that since I made the payment before the official [redacted]/Navient division (10/13/14) that my payment would be applied correctly because the two companies hadn't split into two companies yet. This didn't happen, it was applied to the wrong loan and now I have late fees on my account. I spoke with Prentise from [redacted] and [redacted] from Navient on 10/20/14 and they both assured me that my payment of $85 would be transferred to the correct account and my late fees would be removed. It is now 10/28/14 and nothing has changed. My $85 has been applied to the wrong account, I have lost $85, and now I have late fees. I am actually a little reluctant to pay my 11/10/14 bill because I don't really want to be out $170 since obviously both companies are in huge disarray. On 10/29/14 I contacted [redacted] and they claimed that my payment would not be transferred for another 5-7 business days because it is “hung up” in another department. While Navient continues to send me notices that my payment is late and that I may have a complaint filed due to my first missed payment ever since 2006. It is now 11/3/2014, one month after I began this journey and the end result has not occurred. I can't even imagine what other people are going through that have larger loans than me. This is ridiculous especially when all of these errors can be messing with peoples credit reputation.Desired Settlement: #1 My $85 payment made on 9/29/14 to my [redacted] account (before the 2 companies split into two on 10/13/14) needs to be applied to the correct Navient account that I was transferred to.

#2 My late fees need to be removed from Navient because I was not late. I should not be paying late fees for a payment that was not applied correctly.

#3 I want also to ensure that any notifications/changes/complaints that may have been filed from Navient are removed from my credit. For some reason even though there are "notes" on my account regarding the payment issue that is in process I continue to receive threatening letters from Navient stating that I am "15 days past due" and my "account may damage my [your] credit rating and be reflected on your credit report." All of these complaints if any filed by Navient or [redacted] need to be removed from my credit history immediately.

#4 My interest rate was also changed to 4.75% from 3.75% as of 10/13/2014. From my records my interest rate on both subsidized and unsubsidized consolidated loans should be 3.75%. These loans were consolidated back in 2006 there should have been NO CHANGES to my interest rate.

Business

Response:

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, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I have been paying [redacted]/ Navient since I started college now my payments are $800.00 which I pay with help from my parents as I make roughly 2000,00 dollars a month. My grandmother cosigned for my loans she has since my graduation cut all ties to me and my family because of [redacted]s harassing phone calls. We have no contact with her through her own choice. Navient will not reset my loans unless they speak to her which she refuses to do and she has never paid for any of my loans. They also continue to call me and her with recorded messages that I cant answer because they are recorded messages and its making my grandmother even angrier she is accusing me of not paying my loans and when I do call them they accuse me of not paying my loans even though they automatically take it out of my bank account , they then apologize but it happens over and over and now they said my loan payment will be going up to over $2,000.00 dollars a month if they are not able to speak to my grandmother. I would appreciate any assistance you can offer . thank you [redacted]Desired Settlement: I would like to continue paying my loans at the present rate.

Business

Response:

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 17, 2014. Please allow sufficient time for postal delivery.

Review: Navient has taken over student loans from Salle Mae. I am paying my son's loan now because I am a cosigner and he can not afford to do so now. Now I received the bills. Since Navient took over the loan they claimed that I was behind in payments and charged a penalty for Past Due. I called on 11/17/2014 and paid the total amount for the two loans plus the penalty. That cost me $430.96 I have a record of that in my checking account. Now I receive the next statements and they claim I owe another penalty for past due. It's a scam. I was so upset when this first happened that I called to get paperwork to get automatic withdrawal from my checking account to avoid this kind of penalty again. After four calls for this paperwork, I have still not received the paperwork. Now I receive another statement claiming I am past due again and owe another penalty. I have taken on two loans, so I receive two statements. The bills they sent shows I owe nothing on ove of the loans and I owe a regular payment plus a penalty on the other. How can that be? I settled the last bills in full over the phone with an agent from Navient. I never had this problem with Sallie Mae.Desired Settlement: I would like the penalty removed and I want to have auto payment from my account. It is a simple solution. Why can't they send me the paperwork or let me do it on the phone. They want to continue to confuse me and collect penalty fees. It is a scam.

Business

Response:

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 29, 2014. Please allow sufficient time for postal delivery.

Review: I have entered into a payment plan with this company, and am enrolled in their autopay program. Despite that, for some reason I am continuing to get up to 10 phone calls per day from them for an "outstanding balance." I have spoken to two reps and they informed me that they are receiving the automatic payments and I am current with my payment plan; however, because of their "policies," I will continue getting collection calls until I have satisfied the "terms of their autopay policy." They cannot seem to explain what this policy is and further are unable to stop the collection calls despite the fact that I am on time with my payments per our agreement. They are claiming I owe them in excess of $800; however when I speak with an actual human, I owe nothing and the payment plan is on track. I run a business and cannot deal with these non-stop collection calls every single day, from 8:00 a.m. to 8:00 p.m. I am enrolled in autopay, they are getting their money per the payment plan this company and I agreed to, and I still continue to get phone calls almost every single day, up to 10-12 times each day. There is absolutely no reason for this as I am current on my payments, and this is happening because of some glitch in their system. In addition, I have started getting calls that are simply a recording and not an actual representative, which I know to be in violation of debt collection practices.Desired Settlement: I would like someone to contact me regarding this matter and that Navient will be investigated (and disciplined if appropriate) about their debt collection practices.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 31, 2014 and resolved the issue with the customer.

Review: Good morning, In 2009, I had several student loans. One of them I requested a hardship but was denied. So, I paid it off. This was 3 or 4 years ago. Then, a few weeks ago, Navient sent me a bill for a student loan. I told them I no longer had any student bills. Navient stated that they bought the loan and I owe them. I told Navient to show me the paperwork from the prior loan company. They refused and sent me a form letter regarding privacy. As I told Navient, I'm not going to pay on a balance from 4 years ago, and from a company I haven't heard of without proof. I am also not willing to set up an account on their website because I don't know where their bill originated. My account number with Navient is [redacted]. Navient is being very uncooperative, especially since they just need to show me proof and who the loan was originally from.

Thanks so much for your time. [redacted]Desired Settlement: I just want know why I apparently owe a few thousand dollars.

Business

Response:

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 13, 2015. Please allow sufficient time for postal delivery.

Review: I have been paying on my student loan since 12-2-10, my loan started at $5753 and as of today 2-2-15 I still owe $3,136.39. They are totally taking advantage of interest rates. My student loan should be down to $1373.66 that means they are charging me $1762.73 in interest alone. I wrote saying I would be happy to pay off my loan and pay $626.34 for interest that would be a total payment of $2000. They wrote saying no they wouldn't. I just want to expose them for the money hungry business that they are. I have been an excellent customer and have made my payments on time every single month. I think it's wrong they give deals to people who don't pay their student loans but to the ones who do pay they say screw you.Desired Settlement: I want to pay off my student loan in the amount of $2000. That would be the $1373.66 I actually owe along with $626.34 for interest.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on February 4, 2015 and resolved the issue with the customer.

Review: The company keeps taking our money that were putting on our loan and sticking it on another loan and telling us that we owe more and it's just very confusing and my wife spends hours each month on the phone with them till she finally gets tired of it and asked for a supervisor which when she's put on hold for over a half hour to 45 minutes finally a supervisor comes on and straightened everything out but it gets tiring and it's a continuous thing for the past six months and she just wants some kind of way that we can just pay her loans off without feeling like we're getting the runaround.

This is a company that just bought our school loan from Empire we did not get the loan out with this company and we feel like we're getting held off on our loan payments or they can make money off of usDesired Settlement: To be able to pay her loan off and be in contact with somebody that says this is not going to continue and some kind of confirmation

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on March 5, 2015 and resolved the

issue with the customer.

Review: They gave my phone number out. I have a co-signer and had inquired in 2014 about a release for the co-signer.At that time I had requested to make 12 payment in advance,and that was refused. In Jan.2015 I faced severe financial hardship. Jan. Pymnt was made in February. As of today I am up to date on payments. They will not allow me to follow thru with co-signer release. I begged and pleaded to no avail. The co-signer received a letter informing her of late payment, proceeded to call Navient and they gave her my phone number. Because of the late payment she states she will take me to court if I don't get her name released. She has never had to make a payment, I have explained to Navient I can supply documentation proving my financial hardship, and they still refuse. I have tried a number of times to work this out with them, with no luck. When I was paying minimal amt.in the past, it was not mentioned that it would effect the release. Then they raised the payment by $30.00 an offer to pay a year in advance was refused, and pymnts were made monthly on time up until Jan. 2015. When I called and said I didn't give permission for my phone number to be given out, I was told it didn't happened. When I called back to inform them I placed a complaint against them with the Revdex.com, the representative said she pulled the call from the co-signer and turned it over to her legal department. They take situations such as this serious. She apologized for my number being given to the co-signer.Desired Settlement: I want the co-signer release.

Business

Response:

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, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: Navient has not resolved a billing issue brought to its attention over three months ago relative to the application of a large payment to higher interest rate student loans. I was initially told on January 20, 2015 that the payment could be reapplied. I have received no explanation as to what is happening, despite speaking with multiple supervisors. The original inquiry was made January 2015, and it is March 30, 2015 and I still have no resolution or explanation as to why it is taking so long.Desired Settlement: I would like the payment applied to the higher interest rate loans in a timely manner.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on April 7, 2015. Please allow sufficient time for postal

delivery.

Review: I have a student loan with Navient. I have sent three payments in excess of the amount due before each payment was due. Each payment was returned to my bank with a reason stating "invalid account number". I have contacted Navient and verified my account number and verified the account number on the checks that are being sent. I have also contacted Navient and tried to explain the problem to them and they have still returned 3 separate checks with no resolution. They also stated this is my fault and they are putting a default on my credit report each time a check is returned as it is my fault. I cannot do anything more than send them a check with the correct account # on it as I do not trust them with a credit or debit card number. They refuse to provide any help and have called several times stating I am delinquent even though I have 3 returned checks from Navient.Desired Settlement: I would like them to correct their problem and stop returning my payment checks and let me pay my loan. I also want anything negative put on my credit report from Navient removed since they returned my checks and this is in no way my fault. I am trying to pay them.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on April 22, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I have had an account with Sallie Mae/Navient since I graduated in 2011 and it has been nothing but a terrible experience. Every person who answers the phone has a different answer to everything. There is no communication within this company and my account with them constantly has issues.

My issues with them are regarding their billing process. I had two instances while I was paying my loan for months and had received phone call saying I was 4 to 5 months past due in payments, no letters or anything in the mail either. I then found out that they had been placing my money on in inactive account and I was simply just piling on late fees on top of "missed payments," this should have never happened. My payments have the account number on them, as well as the exact amount of money that the bill is for. I am not sure how this could have happened one time, but to have this happen two times was outrageous. This had an impact on my credit of course.

Just recently I have filed for a forbearance with two of my current loans that I have through them. They told me that it would cost $50.00 per loan to do so and this would put the loans on a hold for three months. This was almost a week and a half ago. I paid the $100.00 on the phone with an employee and the money was withdrawn from my bank account. I was told this process took 24 hours. This was not the case. I had to call back again to find out that the person failed to mention that it would not register on my account until the next billing cycle. At this point I have a past due payment with this company and they have not stopped calling me. Every time I talk to a person there they "make a note" on my account and then I get another phone call 2 days later about the payment and the forbearance that they still have not fixed. This is all happening due to the fact that people are not processing my request for forbearance even though I paid for it. I asked if this was going to cause problems with my credit and the first girl told me no it takes 6 months to have something submitted to the Credit Bureau. The next girl told me 3 missed payments. As far as I am concerned no one knows what they are doing there. When I ask for a manager it never happens and simple requests such as changing a payment due date took three different people and a 45 minute phone call.

This is my biggest issue with this company I never know where my money is going and what they are doing with my account. However these are not the only issues I have ever had.

Thank you for your time.Desired Settlement: My desired outcome would be to have my loans removed entirely from this business and placed with another one who is willing to cooperate and one that I can trust with my money. I have been desperately trying to consolidate to get away from this business. I am not sure what can be done about this situation.

Thank you for your time.

Business

Response:

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 1, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I paid my entire balance. They lost the money for several months, blaming me for sending the check to the wrong address. They cashed the check, failed to apply it to my account, and continued blaming me for sending it to the wrong address despite how many times I told them that after cashing my check the lost money became entirely their fault.

Now they finally applied the money to my account, but left a remaining balance that should not be there just to steal more money from me. I told them repeatedly that I do not owe them any more money.Desired Settlement: I will accept nothing less than my account with this dishonest company being closed completely. I will not give them any more money.

Business

Response:

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 1, 2015. Please allow sufficient time for postal

delivery.

Review: I have been emailing and calling about my issue. I was given wrong information. Waited one hour to be transferred only for the person to hang up on me. No response to any of my emails.

I am 100% service connected veteran. I applied for a loan discharge. TPD approved my loan discharge. However, because I am a veteran. Navient is suppose to have discharged my college loans. Which they have not done.

When I called. Navients rep gave me wrong information, followed by their supervisor. Navient said for me to call Total Disability Discharge and for TPD to take care of my loans. When I did call TPD. The rep was amazing and gave me a lot more information and explained to me that Navient is the one who is suppose to discharge my loans, because I applied as a veteran.

I called Navient again to verify this information. Only to have Navients rep telling me to call TPD. Even when I was asking to be transferred to a loan discharge specialist. I waited over an hour to be transferred and no one picked up the phone. I have emailed several times about this issue. I have not received any kind of feedback from Navient what so ever. They put my loan in forbedance and the balance keeps going up. I do not know what else to do. My navient user name is r[redacted] last 4 of my ssn 4972

My TPD account number is [redacted] My college loans were approved for discharge on February 5th 2015. Navient has not taken care of it and did not provide me with any information. The information that Navient did provide me with was wrong.Desired Settlement: I would like this resolved. Why cant Navient do what they are suppose to do? Why do their reps not know how to answer my questions?

This has caused me a lot of heartache and emotional distress.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on April 24, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: When Navient was still Sallie Mae I took out four student loans. I was able to pay off two them before the name change. They were removed from the website and I received letters telling me that they were paid off, as well. When the name change took place these loans reappeared and began collecting interest. I have called Navient twice, both times they have agreed the loans were pain off and said they would be removed. They have not been removed and continue to collect interest. Having two loans reappear on my credit report is damaging my credit. It appears that they do not care and they are not following through with the promises they have made to fix them problem.Desired Settlement: I would like these loans removed, the credit bureaus contacted about the error, and I would also like an account review to make sure they are not mischarging me on my other loans.

Business

Response:

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 9, 2015. Please allow sufficient time for postal

delivery.

Review: I am a college student. I use to have my loans with salle mae and they were moved over to Navient. My spring semester ended May 19. I will return in the fall Aug. 26 and I am fully registered. Navient sent me a bill on 6/24/15 requesting payment on 6/28/15. I was never notified that my account was no longer in in-school deferment nor that during the summer I would have to go into repayment. I have never had to make any payments because I have always been in school and it was deferred even over the summers and my account will reflect this. When I contacted them on 6/24/15, they said I was not notified because they just received the information from my school yet they billed me from 5/24/15-6/23/15. I have never had to pay while on summer break. A school year consist of a spring and fall semester which I am enrolled. Salle mae said that 30 days from graduation my first payment will be due and when they switch my account they said nothing changed. I don't graduate until December 2015. They tried to get me to go into forbears and not deferment which will negativity effect my credit and my ability to apply for other student loans if I have even been in forbearance. The only option they gave me for the summer was unemployment. They said it can take up to 15 days for everything to process and I am still responsible for the payment. I was only given 5 days for the payment, how can the payment be due before they have time to process anything. This is setting me up for a late payment and late fee.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on June 30, 2015 and resolved the

issue with the customer.