protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on November 25, 2015. Please allow sufficient time for
postal delivery.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on October 12, 2015. Please allow sufficient time for
postal delivery.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
The response from Navient is unacceptable as it fails toaddress the concerns of my complaint. Navient is using graduate deferment regulations,which were put in place to protect borrowers, to take advantage of me as astudent loan borrower. My automatic monthly payments were cancelled and myinterest rate was increased.Navient failed to provide me with proper notification of thechanges to my account; I didn’t received a letter or email correspondence. Themonthly statements I receive online mention that my payment terms have changed,but provide no detail as to:1. Why the payment terms changed2. That my automatic payments were cancelled3. That the interest rate on my loans was increasedIn addition to my aforementioned points, Navient has failed tonotice that the promissory notes I have signed with my student loans are notall the same. Not all of my loans include a section governing the in schoolautomatic deferment option. Thus, Navient’s actions have violated my rights andtheir actions need to be corrected.If this situation is not resolved, to my satisfaction, assoon as possible, I will seek legal counsel and take my story to the press andelected officials.
Regards,
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on June 30, 2016. We will continue to work with the customer directly to resolve the issue.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
On 21-Oct-2015 I received a letter from Navient dated 16-Oct-2105. The letter states that Navient sent emails "each time a payment was rejected" and "there were several telephone calls placed to you and your cosigner between May and October 2015 in an attempt to notify you of the delinquency". Both of these statements are false. The letter goes on to state, "since there were no errors committed in servicing your account, and since we cannot process an Administrative Forbearance while you are enrolled in the Rate Reduction Program, your request for an Administrative Forbearance cannot be honored". I know for a fact this is not true, since Navient processed an Administrative Forbearance for me the last time I enrolled in the Rate Reduction Program and filed a Revdex.com complaint when they tried to pull a bait and switch on the terms of that enrollment.
Moreover, I have not been able to speak directly to the author of the letter, [redacted]. On Thursday 22-Oct-2015, I called [redacted]'s extension and got his voicemail. I left a message and then called the main number in an effort to speak with another Navient representative with the Office of the Customer Advocate. I was informed that I could only work with [redacted] and that since I left a message, he was required to return the call within 24-48 hours. [redacted] did not return the call. I called again today, Thursday 29-Oct-2015, and left another message. I called back to speak with another representative in the same office ([redacted]), who assured me that [redacted] was in the office today and that he should return my call before the end of the day.
Additionally, my mother informed me that a message from a Navient representative named [redacted] (not the same person) was left on her home answering machine. The number this representative called is NOT my designated contact phone number, but rather the phone number of my cosigner, and I removed this as a contact number more than two years ago. In addition to deliberately contacting an out of date phone number that is no longer listed in my contact information, [redacted]'s message was rude and disrespectful. I saved the message and I would be happy to supply it upon request. For simplicity, I have transcribed the message below.
In conclusion, I do not accept the response made by Navient for several reasons. First, Navient chose to contact me via letter under the guise of protecting my privacy However, in the past, Navient has responded directly to my Revdex.com complaints in great detail. Second, the letter I received contained incorrect information and my attempts to contact the author of said letter have been ignored to date. Third, after incorrectly informing me that my request forbearance could not be processed, Navient did not offer any substitute solution. Rather, they informed me that if I did not pay the past due balance I was in danger of being reported to the credit bureaus. Fourth, a Navient representative left an inflammatory voicemail message for me on my mother's answering machine. This number is not my listed contact number, so in doing so, he violated my confidentiality and privacy. He also did not include his last name or a contact number, so I have no way of following up with him directly. Navient has provided subpar service throughout the entire loan process and specifically throughout the process of resolving this issue. I am not satisfied and I will continue to pursue resolution.
Regards,
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on April 6, 2016. Please allow sufficient time for postal
delivery.
Thank you for your message. In the interest of protecting the...
privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on October 27, 2016. Please allow sufficient time for postal delivery.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I received the company's response, however, I am still in the dilemma of having a college degree and the student loans to go with it, but I am unable to get employed in the state of Louisiana with my college degree. I have paid what I borrowed, maybe not exactly but pretty close to it but my balance never goes down. I have tried to talk to the company but they refuse to want to help. They are automatically telling me that nothing can be done. I am currently a substitute teacher. My office was closed in March. I do what I can to get my loan paid but it does not always work. I would like a little help and/or guidance from a company that wishes to boast about their customer service skills. In the nearly ten years I have had my loan I have yet to see any type of help. I do not think that it should cost me 80 thousand dollars on a 25 thousand dollar loan.
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 5, 2015. Please allow sufficient time for postal delivery.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.The customer advocate did respond to me and I did not find his solution satisfactory. He simply stated in the letter the three ways an individual can make a loan payment. No new information was provided It is unreasonable to force residents living overseas to open a US account solely for the purpose of making payments to Navient. It is further unreasonable to limit online payments to US bank accounts and to charge for payments made over the phone. It is discriminatory pricing and further restricts people from paying down their student loan debt quickly. I have also filed a complaint with the US Department of Education regarding the legality of these practices. One of Navient's customer service representatives informed me this is an issue with many student loan customers. If there are so many people experiencing this issue something needs to be done to resolve it.
Regards,
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. They indicate they will respond to me privately by mail, however, I do not know what they will say and by the time it reaches me your five day window will be closed. Additionally, I have checked back online to see if they have added the ability to allocate overpayments, and they have not. For your reference, I have attached information from Navient's FAQs, which say there is the ability online to instruct them how to allocate the overpayment of "any extra funds", and I have attached screen shots of the payment process to show that there is not, in fact, this ability online unless one makes a payment equal to or greater than twice the amount due.Please have Navient make this simple change to bring their online payment process in line with their statements, and to make it easier for me to repay my loan quickly. I get that they want to make it as difficult as possible for me to make overpayments and allocate them toward principal, but they shouldn't.
Regards,
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Problem:
For over 5 years I have been going back and further with Sallie Mae continuously using illegal practices to get payments that are not due and than apologizing and saying the payments will just go to the principal balance. I have been more than nice and understanding. But recently I have reached my breaking point mentally and physicially. Mental disabilities are common in my family and I believe psychotic may be mines if Sallie Mae continues with their illegal practices. There are way to many stressful things I have to deal with and this being illegal and unjustice even after I have made it known to the Revdex.com and the company, it has been allowed to continue. I will not tolerate this anymore and I am not responsible for my future reactions to this bs. To have me make my payment for forbearance, which should have been needed and then to find out my credit report says 3 month late on student loans and I am full time in graduate school.
Translate
Desired Outcome:
Correction on all three credit reports. A statement to my bank Wells Fargo loan department stating this is incorrect. And a meditation between their lawyers and mines to go over contracts for established contact and correct billing as well as payment for the psychologist I need to see before I commit a crime that will cause me to go to federal prison.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on December 24, 2015. Please allow sufficient time for
postal delivery.
Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on February 27, 2015. Please allow sufficient time for postal delivery.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on February 15, 2016. Please allow sufficient time for
postal delivery.
font-size: 10pt; line-height: 150%;">Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Problem:
My acct is about $17,000 but the original amount of the loan is only $9,000 and the interest 10.25% ,The monthly pymt is $247 which I cant afford,I have contacted them many times to lower my payment they will only lower it for $187 per month which I still cant afford,they dont take into consideration they we have other bills.rent etc to pay.
Translate
Desired Outcome:
For the $17.000 to be lowered or cut in half since I dont originally owe that amnt and for me to only pay between $130-$145 per month and to lower interest amnt
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Proposed resolution was said to have been sent via USPS on March 25, 2015. Thus far no communication has been received from Navient.
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, 2015. Please allow sufficient time for
postal delivery.
Thank you for
your message. In the interest of...
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on October 12, 2015. Please allow sufficient time for
postal delivery.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
The response from Navient is unacceptable as it fails toaddress the concerns of my complaint. Navient is using graduate deferment regulations,which were put in place to protect borrowers, to take advantage of me as astudent loan borrower. My automatic monthly payments were cancelled and myinterest rate was increased.Navient failed to provide me with proper notification of thechanges to my account; I didn’t received a letter or email correspondence. Themonthly statements I receive online mention that my payment terms have changed,but provide no detail as to:1. Why the payment terms changed2. That my automatic payments were cancelled3. That the interest rate on my loans was increasedIn addition to my aforementioned points, Navient has failed tonotice that the promissory notes I have signed with my student loans are notall the same. Not all of my loans include a section governing the in schoolautomatic deferment option. Thus, Navient’s actions have violated my rights andtheir actions need to be corrected.If this situation is not resolved, to my satisfaction, assoon as possible, I will seek legal counsel and take my story to the press andelected officials.
Regards,
A
representative from the Office of Customer Advocate contacted the customer by
telephone on...
November 10, 2015 and we are working with
the customer directly to resolve the issue.
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 30, 2016. We will continue to work with the customer directly to resolve the issue.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
On 21-Oct-2015 I received a letter from Navient dated 16-Oct-2105. The letter states that Navient sent emails "each time a payment was rejected" and "there were several telephone calls placed to you and your cosigner between May and October 2015 in an attempt to notify you of the delinquency". Both of these statements are false. The letter goes on to state, "since there were no errors committed in servicing your account, and since we cannot process an Administrative Forbearance while you are enrolled in the Rate Reduction Program, your request for an Administrative Forbearance cannot be honored". I know for a fact this is not true, since Navient processed an Administrative Forbearance for me the last time I enrolled in the Rate Reduction Program and filed a Revdex.com complaint when they tried to pull a bait and switch on the terms of that enrollment.
Moreover, I have not been able to speak directly to the author of the letter, [redacted]. On Thursday 22-Oct-2015, I called [redacted]'s extension and got his voicemail. I left a message and then called the main number in an effort to speak with another Navient representative with the Office of the Customer Advocate. I was informed that I could only work with [redacted] and that since I left a message, he was required to return the call within 24-48 hours. [redacted] did not return the call. I called again today, Thursday 29-Oct-2015, and left another message. I called back to speak with another representative in the same office ([redacted]), who assured me that [redacted] was in the office today and that he should return my call before the end of the day.
Additionally, my mother informed me that a message from a Navient representative named [redacted] (not the same person) was left on her home answering machine. The number this representative called is NOT my designated contact phone number, but rather the phone number of my cosigner, and I removed this as a contact number more than two years ago. In addition to deliberately contacting an out of date phone number that is no longer listed in my contact information, [redacted]'s message was rude and disrespectful. I saved the message and I would be happy to supply it upon request. For simplicity, I have transcribed the message below.
In conclusion, I do not accept the response made by Navient for several reasons. First, Navient chose to contact me via letter under the guise of protecting my privacy However, in the past, Navient has responded directly to my Revdex.com complaints in great detail. Second, the letter I received contained incorrect information and my attempts to contact the author of said letter have been ignored to date. Third, after incorrectly informing me that my request forbearance could not be processed, Navient did not offer any substitute solution. Rather, they informed me that if I did not pay the past due balance I was in danger of being reported to the credit bureaus. Fourth, a Navient representative left an inflammatory voicemail message for me on my mother's answering machine. This number is not my listed contact number, so in doing so, he violated my confidentiality and privacy. He also did not include his last name or a contact number, so I have no way of following up with him directly. Navient has provided subpar service throughout the entire loan process and specifically throughout the process of resolving this issue. I am not satisfied and I will continue to pursue resolution.
Regards,
Thank you for
your message. In the interest of...
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on April 6, 2016. Please allow sufficient time for postal
delivery.
Thank you for your message. In the interest of protecting the...
privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on October 27, 2016. Please allow sufficient time for postal delivery.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I received the company's response, however, I am still in the dilemma of having a college degree and the student loans to go with it, but I am unable to get employed in the state of Louisiana with my college degree. I have paid what I borrowed, maybe not exactly but pretty close to it but my balance never goes down. I have tried to talk to the company but they refuse to want to help. They are automatically telling me that nothing can be done. I am currently a substitute teacher. My office was closed in March. I do what I can to get my loan paid but it does not always work. I would like a little help and/or guidance from a company that wishes to boast about their customer service skills. In the nearly ten years I have had my loan I have yet to see any type of help. I do not think that it should cost me 80 thousand dollars on a 25 thousand dollar loan.
Regards,
Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on March 5, 2015. Please allow sufficient time for postal delivery.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.The customer advocate did respond to me and I did not find his solution satisfactory. He simply stated in the letter the three ways an individual can make a loan payment. No new information was provided It is unreasonable to force residents living overseas to open a US account solely for the purpose of making payments to Navient. It is further unreasonable to limit online payments to US bank accounts and to charge for payments made over the phone. It is discriminatory pricing and further restricts people from paying down their student loan debt quickly. I have also filed a complaint with the US Department of Education regarding the legality of these practices. One of Navient's customer service representatives informed me this is an issue with many student loan customers. If there are so many people experiencing this issue something needs to be done to resolve it.
Regards,
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. They indicate they will respond to me privately by mail, however, I do not know what they will say and by the time it reaches me your five day window will be closed. Additionally, I have checked back online to see if they have added the ability to allocate overpayments, and they have not. For your reference, I have attached information from Navient's FAQs, which say there is the ability online to instruct them how to allocate the overpayment of "any extra funds", and I have attached screen shots of the payment process to show that there is not, in fact, this ability online unless one makes a payment equal to or greater than twice the amount due.Please have Navient make this simple change to bring their online payment process in line with their statements, and to make it easier for me to repay my loan quickly. I get that they want to make it as difficult as possible for me to make overpayments and allocate them toward principal, but they shouldn't.
Regards,
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on July 13, 2015 and resolved the
issue with the customer.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Problem:
For over 5 years I have been going back and further with Sallie Mae continuously using illegal practices to get payments that are not due and than apologizing and saying the payments will just go to the principal balance. I have been more than nice and understanding. But recently I have reached my breaking point mentally and physicially. Mental disabilities are common in my family and I believe psychotic may be mines if Sallie Mae continues with their illegal practices. There are way to many stressful things I have to deal with and this being illegal and unjustice even after I have made it known to the Revdex.com and the company, it has been allowed to continue. I will not tolerate this anymore and I am not responsible for my future reactions to this bs. To have me make my payment for forbearance, which should have been needed and then to find out my credit report says 3 month late on student loans and I am full time in graduate school.
Translate
Desired Outcome:
Correction on all three credit reports. A statement to my bank Wells Fargo loan department stating this is incorrect. And a meditation between their lawyers and mines to go over contracts for established contact and correct billing as well as payment for the psychologist I need to see before I commit a crime that will cause me to go to federal prison.
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on October 14, 2015 and resolved
the issue with the customer.
Thank you for
your message. In the interest of...
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on December 24, 2015. Please allow sufficient time for
postal delivery.
Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on February 27, 2015. Please allow sufficient time for postal delivery.
Thank you for
your message. In the interest of...
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on February 15, 2016. Please allow sufficient time for
postal delivery.
font-size: 10pt; line-height: 150%;">Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Problem:
My acct is about $17,000 but the original amount of the loan is only $9,000 and the interest 10.25% ,The monthly pymt is $247 which I cant afford,I have contacted them many times to lower my payment they will only lower it for $187 per month which I still cant afford,they dont take into consideration they we have other bills.rent etc to pay.
Translate
Desired Outcome:
For the $17.000 to be lowered or cut in half since I dont originally owe that amnt and for me to only pay between $130-$145 per month and to lower interest amnt
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Proposed resolution was said to have been sent via USPS on March 25, 2015. Thus far no communication has been received from Navient.