Navient

Review: Navient is my student loan provider. I set up automatic payments for the amount of 298.00. I contacted them on 4/7/2015 because I noticed my due total jumped up to 975 dollars overnight. I contacted them to tell them I wouldn't be able to pay that amount because of rent and car payment being due, also I told them to stop any auto payments from coming out because I wouldn't be able to pay that amount on the day due. I spoke to [redacted] who was very helpful and told me everything was all set. She called me once and left a voicemail and gave me her extension number of 490. I called her twice and each time after 20 minutes on hold the phone would hang up. I took them at their word that everything was all set. I knew I wasn't going to have the money on the day it was due and did the appropriate thing and the responsible thing and that was to let them know in advance. I also called my bank to ensure that the auto payment wouldn't be processed since I knew my entire check was going to essential bills. (Rent and car). Even after I contacted navient and my bank (which told me navient was the only place that could stop it) navient went ahead this morning and took out 100% of my income. My account is currently negative 276.00 dollars and I have no way to pay for my rent or essentials. I know back in January I authorized navient to take out 298.00 from my account each month. Never did I authorize them to take out 975.00. And when I saw that much as my minimum payment I knew automatically it wasn't going to be possible. Even though I took the right steps to stop it before it got to this point navient went ahead and used their power to leave me and my family out to dry with "nothing they could do". I completely understand that this debt is something I need to repay and I have been doing so since I graduated college. I want nothing more than to pay them but I also have to be able to afford to live. I have been on the phone with them all morning hearing the same thing about how I authorized the payment back in January but no on can tell me the amount I authorized. Spoke to a supervisor named [redacted] employee number [redacted] and she said nowhere on her notes did she how much it was authorized for because it wasn't her department. Then transferred me to a survey about my experience. I want nothing more than to get this resolved I am currently employeed and am trying my best to get my life situated. Paying my student loans is something important to me and I want to continue doing so. It's just when they go ahead and make unauthorized withdrawals that put people at risk of losing their homes and means of transportation is not something that should be done to anyone. Thanks so much for listening and I hope there is something that you guys can do to help me out.Desired Settlement: To have a refund of the unauthorized charge.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on April 29, 2015 and resolved the

issue with the customer.

Review: They call me 3-5 times a dayDesired Settlement: Stop calling me more than once a day after I have already talked to an agent.

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 20, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: Navient does not provide people living outside the US simple payment options. They insist you make payments online, however my repeated attempts to reactivate my online account have not been successful. To reactivate my account to make payments, I have had to make several international calls, stay on the phone while they try to determine how to reactivate my account and then they were still unable to reactivate my account. I was told the last time I called their IT department would fix it. This has not been done, therefore I am required to make payments over the phone. This involves making more international calls plus they incur extra fees for taking payments over the phone. The last time I made a payment over the phone they waived the extra fee, as a favour to me, since I could not make a payment online, but I would have to incur future extra charges to make payments over the phone in the future. It took them several months to get my address correct and even now they still put the incorrect name on the account. I asked to be set up with automatic payments, however I was informed this is not feasible with a non-US bank account, despite the fact I had automatic payments set up with my UK bank account in the past.Desired Settlement: To settle this matter I want my online access reactivated so I don't have incur additional charges by making international calls and making a payment over the phone. It is their incompetence that is ruining my credit rating and their inability to accommodate US residents living in other countries that is preventing me from making payments.

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 July 8, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: According to the law I am allowed to pay back my loans individually when in make an extra payment. The customer service representatives lie EVERYTIME I call the company. They say "It is not possible to pay the loans individually." I have been told I need to call every month to have the money allocated individually. EVERY MONTH I speak to 1-3 customer representatives until one of them is "aware" that I can pay the loan individually. On many occasions that same customer service representative will become "aware" that I can pay in this manner after I've become angry and requested to speak with a supervisor. Every month for a year or more this proccess takes at least 40 minutes.

They promised that the option of paying the loan individually would become available on line. However after 6 months of promises without action they have stopped and figured out other ways of making repayment difficult. In November, without notice, they changed the way my regular loan payment was allocated to slow down the time it takes to pay it off. When I noticed the change that took another 40-60 minutes to correct.

Now the latest scam is creatIng glitches in the on the website so that they dollar amount changes from screen to screen when you want to make an extra payment.Desired Settlement: 1. I would like to make extra payments online and pay the loans individually as promised

2. When I call the company I don't want the customer service representatives to lie. I want them to honor the request when I ask the first time.

3. I do not want to spend 40 minutes on the phone EVERY month to process a payment.

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 6, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I have a large number of private student loans that I foolishly took out with Sallie Mae about ten years ago and they were recently absorbed by Navient. Both companies have been deplorable to work with and demand outrageous payments that I cannot possibly afford. Still, I do my best to make payments and when things have gotten really dire, I have been able to enroll in a rate reduction program. Anytime I get late on a payment, I'm not surprised that they call and check in but it does certainly become straight up harassment when they are calling once an hour every single day. Up until now, I've chosen to ignore their bully tactics but they have gone too far.

Today, they called my little brother in Greenville, SC on his cell phone and began to interrogate him about my loans and told him to tell me to call them. A year or so ago, they tracked down my elderly grandparents in Maine and disturbed them at home as well. Tracking down my family members that are in no way connected to this loan is truly reprehensible behavior and I find it to be a truly aggressive form of harassment. What's worse is that I paid them a large sum last month despite being unemployed and told that I was starting a new job this month and that I'd be in touch about setting something else up soon. So I've already communicated with them what my situation is. I just started my new job this week and still the calls keep coming. The fact that they would call my brother despite me having made a payment just last month and despite having been made aware of my situation is blatantly uncalled for. I don't believe there are ANY circumstances under which they should be harassing my relatives that are not connected to this loan in any way.

I called to discuss them with this and they were entirely dismissive and rude. I have put up with a lot of harassment from this morally bankrupt company but I felt something needed to be done about this egregious behavior. Taking out loans with them was easily the stupidest decision I have ever made as they are about the most unreasonable company imaginable, but I have really bent over backwards to at least make some form of payment as often as I could, in spite of difficult circumstances. I don't deserve to have my family members harassed by them.Desired Settlement: I would like them to discontinue this practice. I never want to hear about them calling one of my family members again.

I would also like for them to be more cooperative with me regarding payment plans. Because my loans are private, they refuse to build a payment plan based on my income and so they ask for exorbitant amounts on a monthly basis. After the rampant harassment I've had to endure from this company, I , at the very least deserve an adjusted payment plan based on a settlement amount.

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 July 24, 2015. Please allow sufficient time for postal delivery.

Review: I have numerous private student loans with Navient (formerly Sallie Mae) that have been on autopay since the 2009. In October 2014, I started going back to school part-time. In January 2015, when I went on Navient's website to collect my interest tax forms I found out that loans were put on automatic deferment starting in October 2014. In addition, my automatic monthly payments were cancelled, my interest rate was increased (because I wasn't making monthly payments anymore), and all these changes occurred without my approval. I understand there is a process of automatic deferment, but cancelling my custom automatic monthly payments is unacceptable. Furthermore, using the automatic deferment - a rule put in place to protect student loan borrowers - as a tool to increase my interest rate is criminal. This business practice is absurd and needs to be stopped. The accrued interest I have been charged needs to be removed from my account; payments on my account should continue as if there was no change in interest rate or deferment. As an individual, I have no say with what Navient does with my loans. The representatives I spoke with tell me they will start my payments again, but the reversal of interest is going to another department for review. I won't be contacted with their decision; I have to wait to see if anything changes and then call back.Desired Settlement: The accrued interest on my account as a result of the deferment needs to be reversed.

Make my account ineligible for automatic deferment.

Return my interest rates to their previous levels.

Resume my automatic payments.

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 3, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: When the company was called Sallie Mae, I got a student loan. When it came time for repayment, that's when the problems started. FOUR YEARS AGO, I received a letter at my current address stating I was in default, even though I had never received a bill. I paid it. I also sent documents so that my name could be changed since I had gotten married. It was NEVER changed. I made my payments, and then returned to school. I graduated August 10, 2015. I received a phone call on 9/21/2015 at 7:00pm stating I was YET AGAIN in default. Though no bill had been sent. My name was also never changed. The woman spoke to was very difficult to understand, and I was not very happy to have to repeat my current address several times only to log into my online account today (9/22) and find that she still had it incorrect. My name still was not changed. I do not think I should be responsible for resending documents they lost. It is THEIR fault BOTH times my loans went into default for not correcting information when they were prompted to do so.Desired Settlement: Personally, I'd prefer my loan to be completely paid in full, but since I know that will not happen, I want my credit report fixed from the two times they placed me in default, the fees for these times to be removed, and two of my payments waived, essentially making my total balance reduced.

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 September 30, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: 12-23-14 I activated a new phone through [redacted] wireless, my new number is [redacted] Within thirty minutes I started getting rob0 calls. I registered my number with the Do No Call and I reported all the numbers calling.[redacted] whenI googled the number came up belonging to Navient. I mailed a letter informing them that that the [redacted] they keep leaving messages for does not have this number anymore. I have never had a loan with Navient or Sally Mae and I want them to stop calling my number. They continue to call more than once every day. I am sick of having to deal with these multiple robo calls daily. I sent a letter to [redacted] Wireless as well. What good does it do to register my number with the Trade Commission, the calls continue?Desired Settlement: I want the robo calls to stop.

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 3, 2015. Please allow sufficient time for postal delivery.

Review: I am being billed for various amounts by Navient. I have satisfied this with the original guarantor Sallie Mae. I received a letter on 4/1/15 saying that I owed $1948.63. When I questioned the amount, they made an adjustment to reflect an adjustment of $434.59, saying that a payment of $1070.58 had been made on 4/13/15. I made no such payment. Then I received an e-mail on 5/29/15 saying that a payment of $1070.58 posted on 5/28/15. I made no such payment.On 6/19/15 I received a letter that I now owed $446.50. Then on 6/19/15 I received another letter that I now owe $451.51. This letter also states that my next payment of $31.67 is due on 1/28/2018! Then on 6/23/15, I received another e-mail saying that they posted another payment of $1050.58 on 6/22/15. I made no such payment. Then I received another letter on 6/30/15 that says I owe $438.30. The next correspondence was received on 8/11/15 that I owe $438.30. I made several phone calls disputing the charges. They promised to call me back and never did. Weeks went by. I then contacted Sallie Mae and they provided me with a spreadsheet confirming my payments and the fact that I owed nothing. I faxed that to Navient and followed up with a phone call. I was told it would be passed on to management and I would be contacted. I was not. I called again and was told that I still did, in fact, owe $438.30 even though the documents I provided said I owe $0. This has been reported on my credit report and has affected my credit score. This has been going on fro 5 months and I can't get anyone at Navient to put an end to this. I am not paying monies that I do not owe and I have provided documentation to prove it.Desired Settlement: I want a letter stated that I do not owe the money, I never owed the money and my balance is zero. I want Navient erased from my credit report completely since I never did owe them any money. I would also like to find a class action attorney because I know that I'm not the only person affected by their practices.

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 September 25, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: I have wasted over 2 hours of my time this evening trying to resolve an issue that was entirely caused by Navient. I have student loans that were sold from Sallie Mae (a wonderful company) to Navient (a company I've had nothing but trouble with). My student loans have been automatically deducted from my bank account for over 5 years. Recently, without my knowledge and without my consent, my loans were put into deferrment due to my enrollment in graduate school. Upon discovering this, I immediately contacted Navient to resolve the issue. I was told the issue was completely resolved and that my loans would be taken out of deferrment and now taken out of my account again, as they always had been. I believed everything to be resolved until today, when I received a notice of late payment in the mail from Navient. I have now wasted over 2 hours of my valuable time on the phone trying to get the issue resolved, AGAIN. My first call lasted almost 2 hours and when I was finally supposed to be connected to a senior account representative, I was hung up on. As I type this complaint, I have been on hold for over 45 minutes being told by the automated voice that my "expected wait time is less than 10 minutes". This type of horrible customer service is completely unacceptable, especially when I am resolving an issue that was initiated, caused by, and solely the responsibility of the company. I had nothing to do with my loans being taken out of automatic payment. Worse yet, it was done without my knowledge or permission.Desired Settlement: I wish for a senior official at Navient to contact me immediately with an explanation, an apology, and a number I can call directly with any further issues so as to not waste hours of my valuable time on hold to resolve issues caused by the company's incompetence.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on February 6, 2015 and resolved the issue with the customer.

Review: I have been a Navient/Sallie Mae customer for 7 years, and have always paid a large monthly payment on time and auto-debited. I have been a model customer of Navient's for all these years. Recently, I contacted Navient regarding my student loans, and I have never dealt with such an unethical and unprofessional business. First, let me share with you that if you speak to someone in customer service, make sure to get their name and "ecode" as there is no way to get back to the representative you spoke to, especially when they promise you a call back and never call you back. I do have all ecodes for each representative I spoke to regarding this issue and have taken detailed notes on all my discussions. I contacted customer service and spoke with [redacted] in December. I called to check in regarding my loan balances and interest rates. [redacted] shared with my that being on auto-debit payment qualifies you for a reduction in your interest rate and that was never applied to any of my loans (i have multiple). She put in an urgent request to adjust the interest rates and also credit back any extra interest which was accrued from the start of the loan due to the fact the the reduction was not applied. She said it would be done by the end of the following week, and there was no reason I shouldn't get the adjustment. I never heard back. I called back on 01/08/2015 and spoke to [redacted] , who put my on hold to review my account details. He then told me that the request [redacted] put in was denied BUT I qualified for the Navient Cash Back program. After being put on a lengthy hold where he reviewed -1. The terms and conditions of my loans and 2. The terms and conditions of the Navient Cash Back program, he confirmed without a doubt that my loans qualified for the cashback program which was never applied. He said that my account would be credited a total amount of $12,449.70 with the Navient Cashback Program. I said "listen, [redacted] said I qualified for the interest rate adjustment and I got no follow up and for some reason was denied, I don't want this to happen again, are you sure that all terms are met and I qualify" He assured me that he read through all of the conditions and all are met, so there is no reason this would not get approved. I asked that he contact me directly to close the loop once the credit has been issued, and we received a supervisors permission for him to call me back regarding this issue. He confirmed that this credit would be complete by January 16th or sooner and he would call me directly. I tried to call in on January 15th to get an update and asked that the customer service rep contact [redacted] via his ecode and internal messaging, she left a message for him to follow up. There was no call back, and no follow up AGAIN. I called in on January 16th since I never heard back from [redacted], asked to be transferred to a supervisor. I was transferred to [redacted], who is a supervisor. I explained the situation for the 4th time, and he looked at the notes in my account. I told him that [redacted] confirmed I would 100% receive this credit, and my previous discussion with [redacted] about the interest reduction and no follow through. He said no credit was applied to the account and he never dealt with a Navient cashback credit, he is not sure what it was so he did some research while I was on hold. He also said that [redacted] misinformed me and that the interest rate reduction for auto-debit was applied to my loans. Now - each representative is giving me different facts (and lies or misrepresentations) about my account. Do I need to remind you that these are government loans and that they are being misrepresented by each customer service rep? After [redacted] did some research on the Navient cash back program, he stated that 1. I had to have a good payment history (i checked this box) 2. My loans had to be dispersed on a certain date (I checked this box) and 3. you had to have signed up for email in a certain time (he said by Oct 2008 and I signed up in Dec 2008), so I didnt qualify. It sounded like a bogus loophole to not give me credit after it was confirmed I met all criteria. You can imagine my disappointment when I was promised a $12,000+ credit (after I was promised a interest accrual credit) and neither was going to happen. I asked that this be escalated to management (who did not get on the phone with me) but [redacted] came back on and said that they were going to put a special request to the claims department and ask for this to get approved. He said he would follow up Tuesday or Wednesday the latest to close the loop. I waited until Wednesday, no call back. It turned out that [redacted] was out of the office. I spoke with [redacted] on 1/21/2015 who documented this entire experience in the notes. [redacted] was patient and helpful, and gave me a reference ID for the notes, which I requested were sent to me for my records. I also asked that she IM [redacted] to request a call back asap. She also included the navient cashback terms and it looks like I DID MEET TH CRITERIA. [redacted] called me back the following date and apologized for not following up on time, and shared with me that no credit has been made to the account , but it looks like it was approved, be he could not confirm the exact amount. I needed to wait overnight for their system to "reset" and for the credit to show. I asked him to call me back the next day once this was done, and I would close out my account (pay the remaining balance) once the credit was issued. He called me back on Friday and for some reason, the credit was not posted to my account and was not sure why. He said he cant just apply the credit, and they had to figure out the best way to handle it (credit the account, send me a check,etc). He then gave more bad news, the previous customer representative made a calculation mistake and the credit was NOT $12,449.70 but actually $1,249! That is a pretty big miscalculation, don't you think????? I would not have spend multiple manhours on the phone with reps, on hold, calling back again, being ignored, with reps misrepresenting my account information. My time is worth more than that, I am an established business woman with a Master's degree. I said that I wanted to file a complaint, that this was a HUGE misrepresentation, highly unprofessional, and unethical. I asked him to put in a request to credit the original amount promised, not to mention the painstaking time spent on hold, calls dropped (i forgot to mention that one, your call gets dropped and you cant get back to the previous rep so you have to start over), and explaining (and reexplaining) myself. This is a BIG deal , its not a couple hundred bucks of credit. This is removing a monthly payment for the next 4 years of my life. He said that he would try to figure out how to get the smaller "credit" processed and would call me back sometime the following week. I was called back on January 27th with more bad news, the credit still wasn't on the account, oh and it turns out that 2 more of the loans don't "qualify" so the credit will be even less than $1,249. I asked that he confirm the notes that I requested be mailed to me were sent, he said that request was denied and they cant share the account notes with me. There is still no resolution today and its been over 2 months. SOMEBODY HELP ME!!! Navient is misrepresenting information to their customers, they are unethical about the way they do business, and need to be reprimanded. I am also filing a complaint with the Department of Education. The programs which Navient is promising are misleading and untrue. I have not been able to get a straight answer yet. Let me share some quotes from Navient's management (listed on the website) which is completely contradictory to my experience with Navient:

Tim Hynes

Chief Risk and Compliance Officer

"We take our responsibilities seriously, and we're constantly challenging ourselves to make our service even better. It's important that our customers benefit from our products and that they're successful. Our customers drive our business."

Andy Beamon

Chief Business Development Officer

“Our people are so dedicated and passionate about what they do. When you have a workforce that is connected to client outcomes – from the CEO down to entry-level employees – you know that’s an organization that can make a difference for you.”

Pat Lawicki

Senior Vice President, Chief Information Officer

“My goal is to use technology to continuously enhance our customer experience and to improve the overall effectiveness of our employees.”

Sheila Ryan-Macie

Chief of Staff

“At Navient, we have a vast amount of resources and expertise, along with a strong performance record, to enter the next phase. We share a sense of purpose in this organization: We make a difference for our customers.”

Chief Operating Officer

"We consistently evaluate our operating model dynamics to find better, more efficient ways of doing business. As a new company, it’s particularly important for us to challenge the status quo as we build the foundation for Navient’s future, while ensuring the success of our clients and customers."

Our Philosophy

At Navient, we stand behind our mission to use our deep expertise to help our customers succeed, and we do so with our commitment to the highest standard in loan servicing, asset recovery, and customer support. That commitment is woven into our name, which symbolizes the deep expertise, experience, and dedication we consistently deliver for our clients and customers. We understand that our ongoing support and dedication to our clients and customers is paramount to their success, and ours.Desired Settlement: I want Navient to honor what was promised by their representatives and credit the amount of $12,449.70 to my student loans. I will then close out my balance with Navient as I refuse to continue doing business with an organization that is ethically corrupt. I would also expect that their customer services representatives receive the proper training to handle customer inquiries and present accurate and precise account information about customer accounts. Please contact me to resolve this asap.

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 6, 2015. Please allow sufficient time for postal delivery.

Review: I HAVE BEEN CALLING [redacted] SINCE MAY OF 2014 TRYING TO GET A COPY O FMY 2004 PROMMISSORY NOTE AND THEY HAVE GAVE ME THE RUN AROUND FOR MONTHS NOW AND I STILL HAVE NOT GOTTEN IT. IM CURRENTLY IN AFGHANISTAN AND I HAVE EXPLAINED THAT TO THEM AND IN ORDER FOR THE MILITARY TO PAY MY LOANS OFF I NEED THAT FOR THEM TO DO SO.Desired Settlement: I WANT A COPY OF MY SHOOL LOANS PAPERWORK FROM 2004 UNTIL I GRADUSTED IN 2007

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 unable to access my online account regarding my student loans for over a year. I have made over 10 phone calls, each lasting over 30 minutes, trying to solve this issue. I have spoken to many supervisors and they have all failed to solve this issue even after assuring me the issue would be solved in a timely matter.

They have billed me late fees as well.Desired Settlement: I wish for Sallie Mae to allow me access to my online account.

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 January 20, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I have paid off my student loan about 4 yrs ago. On my credit report its states that my balance is 0 but right below they added this statement. ( loan being paid by insurance). That statement is false. I sent them a letter to remove that statement . It is hurting my credit. what else can I do or can you help me. Thank you [redacted]Desired Settlement: Removal of false statement

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 July 2, 2015. Please allow sufficient time for postal

delivery.

Review: When Sallie Mae switched to Navient, I have never had more problems in my life. They are extremely unprofessional, every time I speak with someone there are people in the background goofing off or making the customer service rep laugh while hes telling me about the 70 grand I owe in school loans. I have received 4 different answers from 4 different people regarding a loan from 2007 that apparently is in collections, even though I am still a full time student. The first person told me that the loan info was put in wrong and he would put the loan back to an in school deferment status, which I received a confirmation email 10 minutes later, therefore I thought the problem was fixed. Then a month later someone else tells me I owe for 2 months not and that the person I spoke with that told me they fixed the issue left no notes, and did not actually fix the issue, so this new guy tells me if I pay $50 the loan can be deferred for a year. then I speak with someone a week later who says not thats not an option and if I pay the $50 its only deferred for a month! That is ridiculous so I ask to speak with the manager, who could not have cared any less about my issue and kept repeating "so are you able to make a payment or what do you wanna do?" as their is laughing in the background. They have called my parents multiple times (whom recorded the conversation) and someone from this company told my mother she cosigned (when she did not) and that she owes them a payment. I told this to the manager, who said I was lying, so I let him know that my mother recorded someone from this company lying to her. School loans are not a joke, however this company is. I have been asking or a copy of my promissory note, have yet to receive one. I want to make sure it was in the contract that this particular loan I owe on had an in-school-deferment time limit.Desired Settlement: Can someone with the right answer (who does not sound like they are high) help me understand the issue on this loan and what my options are being that I am still a full time student?

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 25, 2015. Please allow sufficient time for postal

delivery.

Review: I have been contacting Navient about issues with their website and my inability to log into my account. I have been unable to access my account for 2 months and receive an error every time I attempt to log on. I cannot access my account or verify my payments being applied. I have been forced to make payments with a customer service rep who always tell me I need to be charged a fee to pay over the phone. I have to pay over the phone because their website does not allow me to log-in properly.Desired Settlement: I would like my access issue to be resolved so I can make payments online

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on January 28, 2015 and resolved the issue with the customer.

Review: I have private and federal student loans with the old Sallie Mae, now Navient. They just now sent me a bill and want over $4,000. They have charged me $10,000 in interest and fee's. I just consolidated my loans and when I tried to give them the phone number of who they can contact, they stated that they will not allow for my loans to be consolidated and hung up on me, yet they continue to call my phone every 30 minutes and my family members.Desired Settlement: I want them to stop calling me and my family. They have received their money, they need to leave me alone.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on June 2, 2015, and we are working with the customer directly to

resolve the issue.

Review: Naviant is in the process of trying to collect on a past due account. I admit that the bill is mine and that I am willing, but unable to pay at this time. I have informed them that I will not be able to make any payment arrangements until after December 1, 2014. That being said, the company calls me, on average, once every 12 - 24 hours. The called me November 10 at 835am, November 11 at 3pm, November 12 at 839 PM and again today at 9am. Nothing has changed, my answer is still the same, payment arrangements cannot be made until after December 1, 2014. I am tired of being harassed by this company. My health is precarious, and I am trying to garner as many hours a week as I can and still remain healthy enough to work. I am working 3 different stores with the same company in order to receive as many as 28 hours in a week, but right now, as I am new to my job, I am only scheduled 9 hours (18-20 in a pay period).Desired Settlement: I wish they would stop contacting me until December 3, 2014, at which point I should be able to make payment arrangements on my account.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on November 18, 2014 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: I had a loan through Sallie Mae/Navient and was informed that my deferment would start after graduation and last for a period of 6 months. I graduated from full time at the end of May 2012 and believed my repayment would not start until November 2012. I noticed on my credit report, I have a 90 and 120 day late in Sept and Oct of 2012. I contacted Navient in November for forbearance as I had believed my items to be due and needed to delay repayment, only to find out I had past due amounts. I would have paid any outstanding balance to make sure I wouldn't go 90 days or even 120 as those are as bad as a bankruptcy in some credit reporting cases. When I inquired about the late marks with Navient, they stated that I was only allotted one grace period and had used that up. Due to misinformation being provided to me by a Sallie Mae/Navient employee, I now have derogatory marks that would not be there had a representative provided me with accurate information regarding deferment and repayment instead of false and misleading information.Desired Settlement: I would like the 90 day and 120 marks removed from my credit report either due inaccurate reporting due to the misinformation provided by the employee on behalf of Navient or I would like the negative items removed with regard to FCRA 623(a)(7)(e).

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 19, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: This complaint is in reference to Navient (sister company of Sallie Mae). My wife has a physician school loan through Sallie Mae, who transferred it over to Navient. My wife who has excellent credit always pays her loan on time (never late). We recently moved and in the process she forgot to send in the payment. Although she called in to notify them she was sorry and that she was going to pay two payments next payday. The repersentitive that she spoke with verified that she had an excellent payment history and said no problem that he would document everything. Since that call two weeks ago… we have continued to receive harassing phone calls on our cells and home phone. Although I explain the situation and ask them to stop calling and to make sure documentation is corrected on her file, they continue to call. Just a few minutes ago I spoke with a gentleman that stated he was a manager. I explained the whole situation again, and he said there was nothing he could do and that he was calling to make payment arrangements. My wife, like I stated above has excellent credit and we are concerned that this company will not stand by what they told us, and perhaps ruin her credit.

One last story… we tried to call Navient and ask about the public service loan forgiveness. They said they don’t participate in the program and there was nothing they could do to help us although my wife qualifies for the program. When asked about reconsolidation they did not offer any help. If we could we would drop Navient/Sallie Mae and recommend that no one else use their services.

Respectfully,

[redacted]Desired Settlement: No late fee, not reported to credit bureau, and options for being accepted in the public service loan forgiveness program sponsored by President Obama.

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 October 15, 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.