Navient

Review: I was an orginal customer of Sallie Mae when I first started school in 2009, I graduated in May 2014. I took out two loans with Sallie Mae during the 5 years I was in school. When they transfered my loans to Navient in January 2015 my mother noticed payments were being taken out of her bank account (she was paying the interest for a 10,000 loan she co-signed on in 2009) which were not showing up on my navient payment history which resulted in back payments, late payments, several phone calls (at least 15 a day between my mothers home phone and my cell phone) and my mother and I being locked out of our online accounts. Due to being locked out of our online accounts we were unable to see any payment history. My mother had to fax bank statements for proof of payment, and also had to update the address for Navient on her bill payment service through her bank. It took 3 months (January to March 2015), talking to 10 different people, credit scores being affected and still numerous calls a day regaurding the overdue balance for them to finally attempt to fix the problem. In March I myself had to call Navient to find out what the status of my account was. No one ever called me with any updates, the only calls me or my mother recieved were to harass us about the payments. When I would talk to the customer service rep from Navient when they would call to harass about the payment I would ask about the status of my account no one was ever able to tell me exactly what was going on with it. I never talked to the same person twice so everytime someone called to harass me regaurding the payment I had to explain to them the situation over and over again. Once I was able to log back in to my Navient account the payments were not full payments. The payment history has $15.00 payments, $10.00 payments, etc (just very random amounts). No one has been able to explain to me the breakdown of the payments. The payment history shows that there hasnt been a payment made since Dec 2014 yet my mom has been making payments to Navient for the last 5 months. Now my account is back to a negative because they have not recieved any payments yet the payments have been taken out of my mothers account and sent to the address the Navient rep told her to put done on the bill pay through the bank. Navient has completly messed up my credit score yet again and also my mothers, which is making it difficult to have these loans refinanced through other companies. Now we have to go through the process all over again with sending in bank statements. The phone calls are by far the worse the people that call all want a payment but me and my mother are refusing to pay until our account in fixed. This is the most unorganized ridiculous company I have ever come in contact with. The harrasment is so stressful on me and my mother. The people that call are never helpful and very inconsiderate. My mother recieves calls on the weekends as well. Yesterday was mothers day and I happened to be at my mothers house when they called the caller ID showed they had called 3 times that day before 3pm. When I answered the man said he was surprised that I was the one picking up the phone. As soon as I explained to him that we had to send the statements to them he then says "oh ok I do see that in your chart". I feel that if they can clearly see that I have to fax the statements that I shouldn't be reciving 15 calls a day harassing me about back payments that Navient made. I feel that this company needs to be investagated for harassment and money laundering. I still have yet to recieve an explanation about where the payments are and which department has them. This is the second time im having to go through this with this company and no one ever seems to have answers about what is going on.Desired Settlement: I would like the exact payment history breakdown of my whole account from 2009 until now. I want my account fixed and also my credit. I would like for a manager from Navient to contact me via email at [redacted] with an explanation on how they are going to fix this recurring issue.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on May 21, 2015, and we are working with the customer directly to

resolve the issue.

After an initial request for an economic hardship deferment with documentation of receipt of food stamps, my request was denied due to "incomplete or invalid documentation." When I called to ask what this meant and how I could rectify it, I was told by a representative that they were not able to determine why my request was denied but that I could reapply. I reapplied for it with documentation and my request was again denied, as they claimed that they did not receive my documentation of food stamps receipt. Again I applied. Again, my deferment request was denied due to "incomplete or invalid documentation." I called several times and was told to reapply because they could not determine why my request was again denied. The representative I spoke to put my account into a temporary forbearance for three months and I was mailed a letter to verify this. However, I received a bill for the very next month. I called and asked why I was receiving a bill and was told that they had no record of my account being put into forbearance for three months, despite my letter proving so, but that I could reapply for for an economic hardship deferment if I wished. This time, the representative was extremely, extremely rude and repeatedly spoke over me as I informed her that I have a letter to prove that my account was indeed put into temporary forbearance and that I had never been given information as to why my repeated attempts to request economic hardship deferment had been denied. She suggested that I had created the letter, with Navient logo and all, which indicated that my account was in temporary forbearance and that she was not able to determine why my request had been repeatedly denied. I requested to speak with a supervisor who was able to tell me, finally after 5 months of phone calls and letters, that they needed some specific documentation dates (which I was able to provide), in order to approve my request. This supervisor said that she put my account into a "Courtesy Hold" until this documentation is processed. Navient's claims to not have the documentation that I uploaded onto their website and their claim to not have any information in their computer system about the forbearance that they put my account into is blatant dishonesty on top of absolutely horrible customer service. Horrible.

My experience with Navient has quite possibly been the worst of any company I have ever worked with. Had I known this would be the case I can assure you I would never have chosen Sallie Mae when I consolidated my loans in August of 2014. Since then I have been battling to have around 15,000 USD applied to my account. I have been put off for 30 days, 60 days, promised return calls that were never received, spoken with supervisors that told me I could reach them with only a badge number then to be told that is impossible. I've been told by other supervisors that the previous supervisor sent my information to the wrong department and I would have to start all over. I have spent close to 15 hours on hold or explaining to yet another person what is happening and still nothing. Wait times are beyond ridiculous and no one seems able to do a job correctly. I will be reviewing Navient on any and every website possible so others do not have to experience this level of incompetence.

Review: In October of 2014, navient reported my 9 student loans as 90 days late (despite reporting the account current/good standing in september). The account was on a temporary forbearance until November 20th, 2014.

I called to have this corrected, as it decimated my credit score, and have just gotten the runaround. I need this false reporting removed immediately.Desired Settlement: I need the false reporting to my credit in October 2014 reversed to reflect my account's god standing. I have NEVER paid late.

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 15, 2015. Please allow sufficient time for postal

delivery.

Review: Navient will not provide IRS form 1099-INT.

I believe they have a responsibility to provision this.

I called customer service to request one be mailed to me but they refused and instead they directed me to their website to get a digital version.

However, their website is error-prone and I have been unable to register to retrieve my 1099-INT.

I suspect they are trying to save a few pennies by making their customers get the form on their website vs. mailing it out. But this is unfair to people who cannot access their site or who do not have access to a computer printer.Desired Settlement: I want Navient to send me our 1099-INT this year and in the future without having to waste time dealing with their error-prone website.

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 9, 2015. Please allow sufficient time for postal

delivery.

Review: THIS COMPANY IS CALLING MY PLACE OF BUSINESS FOR AN EMPLOYEE [redacted] WHO HAS NOT WORKED HERE FOR ABOUT 20 YEARS NOW. I DONT KNOW WHERE SHE IS AT NOR HAVE I SEEN HER IN 20YRS. I ASKED NAVIENT COMPANY TO STOP CALLING MY PLACE OF BUSINESS BUT THEY KEEP CALLING BACK TO BACK JUST ABOUT EVERY DAY.

I WOULD LIKE THE CALLS TO STOP.

THANK YOU

[redacted], MD

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 23, 2015. Please allow sufficient time for

postal delivery.

Review: I have been trying for 6 months to get access to my online account. I get phones calls at least 50 times a week at all hours demanding payment on loans that they say are past due. They refuse to give me access to my bills online and every time I talk to them they say they will have to call me back in 48 hours because that is how long it takes them to gain access to my accountDesired Settlement: I want all of my student loans forgiven by Navient due to unfair billing practices and harassment, and I want my credit history repaired for the negative marks they have put on there.

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.

Consumer

Response:

I would not recommend this company to anyone. I have had loans through [redacted] since 2008 and I never had problems. Once Navient took over, I have nothing but problems including credit score issues as well as a $1200 balance increase (for reasons that they cant seem to explain). I am currently in contact with the student loan ombudsmen to try to solve this problem but I have been fighting them since they switched to Navient in October 2014. Please do your research before taking a loan, and be sure to keep all files and an eye on your balance.

Review: Navient stated that I owed over 150,000 in student loans but could not provide me with records. Navient told me that I could not have access to my account to see what I was paying for after I had already setup payment plans. I have also learned that when my parents filed for bankruptcy the account was frozen and they would not allow me to make payments on the loans. I was also told while in bankruptcy status the loans did accrue interest, which does not make sense. I really need some help with understanding what is going on.Desired Settlement: I need to know what the actual charges are, why I cant access my account and if I should hire an attorney to fight the four years my account was frozen and they would not allow me to make 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 October 2, 2015. Please allow sufficient time for

postal delivery.

Review: I originally had all of my student loans with Sallie Mae, but experienced an excessive amount of billing issues. When I called Sallie Mae's customer service to inquire on a fee or a discrepancy in my account, I always received different, invalid information. After years of trying to resolve issues with my account, I finally gave up and consolidated all of my loans with the US Department of Education directly - Direct Loans.

I had been on an income based program which requires a $0.00 payment and that is why I had not made payments during the period they state that I was late.

Months after the consolidation I began receiving calls from Sallie Mae regarding a past due account. When I spoke to the representative, they informed me that I was months late on my account and that I was over $7,000 past due. I explained that my loans were not with Sallie Mae and that I was on an income based program which required $0.00 payments. She told me that they were transferred back to Sallie Mae and that the name of was changed to NAVIENT. I was extremely confused with all of this information and asked why I was so past due. She found that she had given me the wrong amount and was very confused about the amount herself (If proof is needed, she advised that call was being recorded). I told her that I did not want my loans with them due to many previous issues, but she said that I had no choice. Please note that I had previously reported Sallie Mae to the Revdex.com and Dept of Education August of 2011.

I have been trying to dispute these derogatory marks since the issue was brought to my attention. My credit report now states that I was 120 days late on this NAVIENT account due to this matter.

Please note that I have submitted a claim to the Department of Education and my loans are currently under investigation covered by the new law for Corinthian Students who were victims of fraud and other violations of state law. I would like to to avoid taking legal actions and am hoping this is resolved.Desired Settlement: My desired outcome is to have the late marks during 2014 of 120 days past due deleted from all 3 credit bureaus.

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 1, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: I paid a student loan payment of $200.00 on December 30th 2014. I received a confirmation e-mail from Navient with it stating posted date of 12/31/2014. I also received another e-mail with the confirmation number

Payment Confirmation [redacted]

Pay $200

On 12/30/2014

I also have my bank statement with the $200.00 out of my account to Navient. I paid another payment in January and after it processed I realized my December payment of $200.00 did not process. So I contacted this company mid- January to discuss this matter, a gentleman put in a work-order and had me fax over the two-emails, along with my bank statement. He also stated that the issue has a resolved date of 01/30/2015. I waited and they did not send me an e-mail or letter, and I did not receive a phone call to update me on this matter. I called a couple weeks later, middle of January and spoke to another gentleman who did research and told me that the payment is being processed to my account but it will show up as a refund. I again waited and check my account daily, I called again on 02/23/2015. I told the lady my problem and she referred to something on my account from 09/2014. I told her that was not the issue and that I didn't understand why I have not received anything from the company and she stated that a letter was sent out and I should've received it, and if I have not then I will. She also stated that the college has to process the refund because I paid it within 120 days of disbursement and that I need to contact the college, and I again kept asking her why I needed to contact the college when Navient is the one my loan is through and all my other payments posted to their account and not the colleges. I also asked to speak with a manager and she said that it would be over an hour wait. I told her that I wanted a copy of everything that has ever been documented to my account for further proof of conversation. I called the college which is [redacted] they also did not understand why the Navient employee told me to call them. The college told me I needed to call them back and speak to a manager. By time I was able to call back the company was closed.Desired Settlement: I would like the company to post the payment that I paid. I would also like them to take off the interest that has accumulated since the payment was not posted when it was suppose, and now has higher interest. I would also like an apology, I have been late to work talking to these people and I have migraines and dealing with this makes me sick. They work with the Department of Education, they should care more about this considering I do not even have to pay my loans back yet and I am. I am also not paying minimum payments, I am paying $200.00.

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: I have been paying off my student loans through FMS and have dealing with a reasonable person there, [redacted] for a good year. Last week, I received a phone call from Mrs. [redacted] from the Internal Recovery Division of Navient. She was nasty, rude and kept threatening me and also asked for personal information. Today I phoned Ms. [redacted] to verify that she was no longer on the account and she confirmed that it was. I phoned Navient to make arrangements to pay my debt, got this "creature" again and she again started her threatening and harassment tactics. I asked for a supervisor and she refused to connect me to one and refused to give me a no. for a supervisor. Under no circumstances will I deal with such an unethical professional bulley like this woman. I would like to continue paying my bills at the amount agreed on and to deal with Ms. [redacted] at FMS again.Desired Settlement: As stated above, I would like to continue to pay my bills at the amount agreed on and to deal with Ms. [redacted] at FMS again. Thank you.

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 23, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: I have been having financial problems. Navient calls me several times per day! Their collection people are rude and have threatened to call me several times a day until I pay my bill. I have always caught up with payments, but I do not wish to be contacted by them via phone again. I have requested this, and they have refused to comply with my stated wishes. I believe that this is an extreme form of harassment and a violation of my civil rights. I also work out of my home, and having to answer the phone several times a day (or evade their many phone calls) is impacting my job.Desired Settlement: I wish no further telephone contact with this business, in perpetuity.

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.

Consumer

Response:

Review: Naviant now has all my loans that sallie Mae had, when I call naviant about questions with my account I am always transferred several times and eventually the phone will just hang up on me. I have tried emailing several times and never get a reply. My account will be in default because I can't get someone on the phone to go over my account. These companies were setup to help students out with student loan questions but this company has done the opposite. I am so frustrated I can't type. This company has a very shady customer service department.Desired Settlement: I want a phone call from someone that works for naviant that will have answers and not just try to "pass the buck". I don't want to be contacted by a collection agency. I want to be contacted by naviant about how to pay my loans. You would think they would be eager to help but that's not the case at all.

Business

Response:

A representative from the Office of Customer Advocate contacted the customer by telephone on December 8 , 2014, and we are working with the customer directly to resolve the issue.

Review: Ever since January of I have had nothing but problems with this accountThis first started when I faced a personal hardship and asked to do a forbearance on my loansThey were applied to all my loans except I gave them my personal checking account number to have them take the payments out on a scheduled payment, being told I could change the payment without any problems after I got caught upEven though it was extremely hard for me to find money during my unemployment time, I made sure to make this a priority for my account
I than proceeded to change my payment date, where the next month they took out paymentsAfter many pain staking attempts and "uploading documents" to their website to even talk to the right personI finally talked with an account manager who told me I would get reimbursed for the overdraft fees charged for unplanned withdrawals to my account told me to send my proof of my account information to her, gave me her email address, doesn't work and I was never reimbursed for the overdraft payments that accrued and the payments didn't stop as promisedI called them and my bank and told them they did not have my permission to take money out of my account automatically anymore and still they proceeded to take money out of my account without my permission as a check instead of an debit payment
As they continued to take money out of my account I had to end up having to do a whole account conversion changing my whole account information to make them stop the auto payments as calling them to stop wasn't enoughThey sure had the means to take the money out but didn't know how to reimburse someone when it came to taking too much money
Afterwards, they would not take ANY of my payments from my account but my other navient account wouldI would call and no one would know what I was talking about or couldn't see my payments or the correct departmentSo I finally sent a payment to the listed payment address on the website and even uploaded a document to tell them to please apply this to my loanThey applied my payment to a different loan, still leaving me behind
Now they say they don't get my documents I upload? I asked to speak to a manager today who gave me her the personal address that doesn't work, againI cant seem to get a resolution to my problem and keep accruing interest for something that isn't my fault or someone who seems to know how to help me? When I send payments and even mailed them and keep getting the same run around and answers that aren't fixing my problemsDesired Settlement: I need to have a solution to be able to make paymentsI need to be able to get in touch with someone who can help me and is properly trained to help my problem, this isn't fair to someone who is struggling trying to make things work and getting reported on my credit for non paymentsI also feels its unfair I accrued interest when I have made payments to my other Navient accounts without any payments from my same accounts without any problemsAlso how is it that my documents are being uploaded with the same process, same scanner and same file but this part of navient cant get my documents? It feels absolutely criminal how this business is ran
Business
Response:
Thank you for
your messageIn 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 12, Please allow sufficient time for postal
delivery
Consumer
Response:

Review: I have been in the repaying process to pay down my student loans with 'Navient'(formally known as Sallie Mae Services) I have been in auto-debit with Navient for about a year now. My repayment payments should always be 110.00 USD. I have been receiving email confirmations and reminders that I have paid my monthly amounts. Recently, for the month of June payment, Navient did not auto-debit my account nor did they notify me about the reason as to why they will not auto-debit my account. I contacted Navient on July 1st, 2015 to ask them why my account was not auto-debited on June 26, 2015. Their response statement was that there seemed to be a storm that hit Texas and therefore they did not auto-debit my account. I have not nor did I receive any notification of this change via email, mail, text message, or phone. Therefore, I inquired whether this would affect my monthly payment would now change, as well the auto-debit date. Their response was that nothing will get affected or change. On July 3, 2015 I received 2 emails, one stating that I have a forbearance change on my account and another stating that my payment amount would change to 86.27 USD. I attempted to contact Navient today, July 3, 2015, and went through the automated machine voice to where I heard my statement balance and stating that I will be auto-debited on July 26, 2015 for 110.00 USD. I feel misled and it properly informed about everything in regards to Navient. I would like to continue making my payments as agreed upon on the dates as previously stated on my account. If there is a change, I should be informed right away in writing or by phone.Desired Settlement: I am looking to get this taking care of with having the right details explained to me. I'm tired of talking to different representatives that's are not properly trained and are giving me inaccurate information. All I want is to continue to pay my student loans without having any interruptions. I want that piece of mind that they are deducting the right amount and giving me the right information. It's difficult to deal with different reps giving me different answers. Thank you for your time and patiences and hope to hear back from you.

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 14, 2015. Please allow sufficient time for postal delivery.

Review: I received a letter from Navient stating the following: "As of 02/15/2015 the student loan(s) listed below is no longer eligible for the AMS Grad Bonus 3% AY07-08 benefit because you have not provided proof of graduation within 60 days after you received your eligibility letter."

I began paying my loans in 2012 and never received such a letter. At the time the loan was handled through Sallie Mae.

I called this evening to inquire and was put on hold for 45 minutes. I was told that if I sent in a copy of my diploma that they would CONSIDER my request. The customer service associated stated, "I hope you're not pissed" and "Your long wait is almost over."

After asking to speak to a supervisor I was told that I did not meet the requirement in 2012! If that was the issue why has my interest remained the same until now? She stated that even if I didn't receive a notice I should have read the fine print online. This is disheartening, as I have paid faithfully for over two and a half years. This did not become an issue until the loan changed hands. As a reward for working as a special educator and paying on time my interest is jumping from 3% to 6.3% for two loans.

It seems unethical to raise rates for someone who has never missed a payment because of a stipulation from 2012 which I will rectify.Desired Settlement: At my expense I will have Longwood University send an official transcript with my Bachelor's and Master's degrees listed in exchange for being assured that my interest will stay at 3% as it has for the last 2.5+ years. I would also like confirmation of receipt of the transcript via phone.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on March 6, 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: In September 2014 I set up an automatic bank draft with Sallie Mae. Sallie Mae transferred my account to Navient without my knowledge. Navient, while they have my bank account information failed to continue my automatic draft and thus now claim my account is in default. They will not allow me to set up the automatic payments when them now until the default is settled when the account went into default by their error not mine. I am asking that Navient reset my account to NOT in default as it was their error and allow me to set up the monthly drafts as they were supposed to be drafting each month. I ask that any interest or charges be removed immediately. It was also almost impossible to even get online and Navient denied that they had my loan to service, sending me to another company, who then sent me to another company. All I was trying to do was to get my payments made but they have really messed me up on this. It is sad that they do so poorly in business and unacceptable that I was never notified that my loan servicing company was moved.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I am asking that Navient reset my account to NOT in default as it was their error and allow me to set up the monthly drafts as they were supposed to be drafting each month. I ask that any interest or charges be removed immediately. It was also almost impossible to even get online and Navient denied that they had my loan to service, sending me to another company, who then sent me to another company. All I was trying to do was to get my 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 11, 2015. Please allow sufficient time for postal delivery.

Review: Sallie Mae has been illegally reporting this account to all 3 of my credit bureaus since March of 2001. I have never taken a loan out with this company yet they continue to hurt my credit. The partial account number I am referring to is [redacted]. I have written certified letters to Sallie Mae requesting that this be deleted from all 3 credit bureaus on the following dates: 05/12/2008, 09/10/2008, 06/10/2009, 12/10/2012 and 10/5/2014. Sallie Mae have NEVER sent me a response in regards to my request for verification of this debt nor have they removed it from my credit reports. Furthermore, I have called Sallie Mae numerous times requesting that the account needs to be deleted from my credit reports but each time the customer service representatives tell me that "The account is being paid by insurance and a claim has been filed by the government" even though I explain to them that the account is not mine and they refuse to provide me with evidence showing otherwise. I am at my last straw with this company and will file a civil suit again Sallie Mae if they do not immediately delete this account from all 3 credit bureaus.Desired Settlement: I want Sallie Mae to do the following 2 things:

1.) IMMEDIATELY delete this account from my [redacted] reports.

2.) Send me a letter verifying that the account has been deleted from the credit reporting agencies as proof.

If these two tasks are completed I will not file a civil suit against Sallie Mae and will consider this matter resolved.

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 25, 2014. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: This is my second complaint with Navient. A few months ago I had the same problem that I am going to describe. It is the fifth time the same issue has happened with my student loan! I have 2 pages on my student loan, my monthly payments have been applied to the wrong page of my loan making me delinquent on my payments. The last time, they actually told me that I would not get the money back and would have to repay. That is when I contacted you, the next day my money was applied to the correct page of my loan, so thank you. Unfortunately it has has happened again! I paid over the phone in January for two months. 1-1-15 $213.24 came out of my account. I called to pay my loan today, was told by [redacted], employee #e[redacted] that I was 75 days delinquent. I stated the paymemt date and amount and he told me that the payment went to the wrong page again! He was rude, gave me the wrong address when I asked, and told me there was nothing he could do for me. Transferred me to [redacted] who gave me a social security number for someone instead of her employee number when I asked. She told me that she did not have a boss and that I could only speak to her in regards to my account. As of this time, Navient is stating that I owe them over $400! I make my payments monthly so that I can keep in good standing. Also, from my last complaint, Navient was suppose to send me copy of my file so that I was sure the notes were put in stating that I was NEVER delinquent on any payments and that the delays were of no fault of mine. I never received that although several attempts were make on my end. I do not know what else to do with this issue. I am an LPN and work full time trying to make ends meet. I do my best, but when you deal with companies like this it is very frustrating and sad. No one should have to go through this just to pay off a student loan with their own hard earned money! Why should I be punished for their mistakes? It just comes down to applying MY money to the correct PAGE! Doesn't seem hard. HELPDesired Settlement: I would like my payment of 213.24 applied to my account for 1/10/15 when it came out of my bank account. I would like my account file noted that again the delinquency was of no fault of my own. I would also like to receive proof of that!

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 18, 2015. Additionally, we will continue to work with the customer directly to resolve the issue.