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customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on May 21, 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 July 8, 2015. Please allow sufficient time for postal
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protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on June 28, 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.
Problem:
I called to reapply for the Rate Reduction Program today at the phone number [redacted]. I first spoke with a woman named [redacted], who transferred me to her supervisor, [redacted], who eventually transferred me to a man named Josh. Between these three people, I was not able to reach a monthly payment amount that I can afford. Last year when I went through this process, the person I spoke to wanted to raise my interest rate from 1% to 3% despite my cosigner and me struggling to make ends meet at the 1% interest rate. This person suggested I find ways to cut back on monthly expenses such as on food. I asked him if it is a company policy of Navient’s to suggest its customers go hungry in order to pay back their debt. He said no. We eventually negotiated to a 2% interest rate which was still above what my cosigner and I could afford on a monthly basis. In the past year, to make ends meet, I did actually have to skip meals to make this monthly payment. In the last twelve months I have lost 20 pounds due to lack of food. For my age and height, I am now considered underweight. This year, Josh made a number of offensive and absurd suggestions to get me to pay the new amount: -He suggested I look for a second job. I currently work more than 50 hours a week just to maintain the job I have now. In this economy, it is not unusual for employees to work well beyond the typical 40 hour work week to keep their job. If I were to get a second job it would be for the one day a week I have off and would replace the time I currently use to cook all of my own meals for the week. The amount I would have to spend on food to eat out each meal would be more than the additional income from a second job. -He suggested I try to refinance this debt with another company. No company in the world would take on this amount of debt with my current circumstances. If I cannot afford the payment to Navient, why would another company take on the debt? -He suggested I apply for government assistance. The idea that Josh would suggest this moments after I give my financial information is ridiculous. I am not eligible for government assistance because I make too much money. -He suggested I call my landlord and request that my rent is reduced. I live in New York City. I would be evicted in an instant if I do not make my rent payment in full. If I have to choose between being evicted and living on the streets and eventually losing my job because of it or defaulting on my student loans, I think the choice is clear. I did not mention to Josh that prior to getting approved for the apartment I am in now, I was actually homeless for 6 months. I spent over a thousand dollars applying to apartment after apartment. I was declined for all because of my student loan debt. Are these company policies of Navient? To ask their customers to work seven days a week? To ask their customers to take from the government to pay for their loans? To ask their customers to risk being evicted? I am, for all intents and purposes, an indentured servant to Navient. I will remain an indentured servant for the next 25+ years. I do not go out anymore, I do not socialize, I do not buy clothes, I do not go on vacation; I do not do anything. I live to pay off these loans. I work, I come home, I sit alone, I go to bed, and I get up and do it again. I am also in more debt than I was last year. To make ends meet I had to lean on credit cards to get by. Along with this additional debt is an additional monthly payment that I cannot afford. My Federal Student Loans, which totaled roughly $100,000 when I graduated from college, have increased to roughly $112,000 today. The reason for this is my monthly payment to Navient is so high that I cannot even pay the minimum monthly payment to my Federal Loans to break even each month on the interest that accrues. Each month as I slowly pay down my Navient Debt, my other debts slowly increase at about the same rate. Despite these circumstances, today when I reapplied for the Rate Reduction Program, I was told that my interest rate and payment amount would have to increase again anyway. My cosigner and I reiterated our financial circumstances and the fact that we are not making ends meet at our current interest rate, but the Navient employees we spoke to just repeated the same statement over and over like a broken record. The two options I was left with at the end of the call were to accept a 2.5% interest rate for the next twelve months (which would increase my monthly payment) or to accept a 2.5% interest rate for the next twelve months and have the length of my loan extended by a few years (which would keep my payment the same as it is today). Neither of these options are a sustainable solution for the predicament I am in. I cannot afford my current payment as it stands today, so neither of these options are realistic. I also cannot extend my payment out by a number of years to get by for the next 12 months knowing that next year Navient will raise my interest rate again and I will again not be able to afford the payment. I am on the verge of defaulting because I cannot afford my payment. I do not see any point in extending the terms of my loan just so that I don’t default for another couple years. This is not a sustainable solution!
Translate
Desired Resolution / Outcome
Desired Resolution:
Billing Adjustment
select
Desired Outcome:
I want to make it clear that I have every intention of paying my debt in full, but I cannot make the payment that was offered to me today. The stress of going through this process every year is placing such a heavy psychological burden on me that I am getting ill. I need a permanent and sustainable payment that I can afford. I propose a payment of $750 a month for the remainder of my loan term. This issue needs to be resolved by the end of May when my payment will increase to the full amount. Please expedite this process.
Translate
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. All three automated payments have actually been sent to my account instead of the usual two.
Regards,
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on August 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 email on December 1, 2014.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that (provided the business implements the changes discussed during our call) this resolution is satisfactory to me.
Regards,
I would like for my loans to be transferred from this company. They do not have access to the National School Clearing house. I submitted a document, which is certified from my school that shows I am a current student. I faxed the document in and received a letter indicating that they could not accept my certified doc which is the standard that my school gives out that shows current enrollment certification. Also they sent an application that I have to fill out and my school that shows I am a current full time student. I told the rep I spoke with that my school is located in another city and is not close. I take classes at the campus in my same city I live in. It will be an inconvenience to drive to the main campus! The rep advise that he will put my account on some hold? He offered to email, he ended up saying he emailed the paper work to my school email. Checked my school email and did not receive email!!! I am not comfortable with a company that has my student loans that does not have access to Clearing house!!!
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.At this moment, I cannot accept any response as no letter has been received in the mail. Will wait for the letter to arrive and review the response offered by the business. I would like to give you a summary of what has happened since my complaint was made:1. My next payment is due this week and nothing has been done. I called last week and was told my case was assigned to someone that was not in the office that day. I left a message but no call has been received.2. Late fees has been added to my account; everyday "[redacted]" (a automated message) calls me to notify me that a message is in my account. The message happens to be a note for delinquent accounts threatening me to report my account to the credit agencies if I do not pay. I am still waiting for a call, letter or email to solve to this problem but the company has not contacted me.Thank youRegards,
[redacted]
12/30/14- attempted to call three times. First two times, received Verizon error messages saying the phone number had changed. Checked website and same number was listed as was dialing, called the third time and it worked. I went through the automated system to discover a 16-20 minute wait and followd prompts to be called back. When called back there was still a 6 minute wait on hold reported by the automation. Spoke to employee [redacted] regarding poor experiences with Navient since September. Was informed by employee that Supervisor had provided incorrect information at last phone call and that a previous employee had put a hold on my account which was also incorrect and that he had to remove this hold. Employee informed me that the letter (that supervisor had previously told me was acceptable for proof of income) was not an acceptable form of proof of income and that the date was not changed in the system resulting in a past due amount on my account. This employee confirmed receipt of the letter sent and informed me that it was not sufficient as proof of income unless I was not currently receiving an income. He also confirmed that no adjustments had been made to my account and that he was unable to put an administrative hold on my account as another employee had done in the past despite the many instances of incorrect information. This employee reported that the only way to make a complaint was to speak to a supervisor however the complaint would involve a supervisor so it needed to be put in writing and sent to Navient. He reported that the calls are recorded as well and that he was unable to provide me with names/ID numbers of the people I had spoken to previously to complain about them providing incorrect information. I inquired about the many issues occurring since my Sallie Mae loans had non-voluntarily been changed to Navient and discussed how to change my loans to another lender since Navient was not providing an acceptable service to me. He informed me that this process would take 60-90 days through the Department of Education. I then worked with this employee to put a 4-month forbearance on my account in order to provide me with enough time to make this change. I was informed that this forbearance would erase any past due amounts on my account and that their would not be any penalties. The next payment due is set to be on May 21, 2015. I informed this employee that I would be contacting a lawyer, my accountant, The Revdex.com, and The Department of Education surrounding my dissatisfaction in working with Navient.
12/29/14 (Sunday)- I checked my statement on the website to find that I now owed a payment of over $1,600 was due with the past due amount of around $818 meaning that no adjustments had taken place on my account as the supervisor had stated would take place. As today is a weekend day, I was unable to contact Navient until the following day.
12/28/14 (Saturday)- I received another letter in the mail stating that my income based repayment application was missing the necessary proof of income.
12/15/14- Received a letter stating that the information provided for proof of income was missing from application for income based repayment. Meanwhile, my payment is due on 12/21/14(less than a week away with an upcoming holiday). I then called Navient, which prompted me with a 1-2 minute wait. I followed prompts to wait on the line and the automation then reported a 6-8 minute wait. I then spoke to an employee, who reported that the information provided by previous call taker was incorrect. I requested to speak to a supervisor. I was on hold excessively during this attempt to contact both with the caller and to transition to speak to a supervisor. The supervisor reported that she was sorry for the misinformation and that they would need my pay-stubs. I explained that I am ending my employment with my current employer on12/31/14 and that the individual who I would get my paystubs from was on vacation until the new year and I would no longer be a employee when she returns. I reported that I would be starting a new job on 1/2/15. The supervisor reported that I could write a letter to Navient stating my current income and that this would be sufficient for proof of income for the income based repayment and that if it was received prior to 12/28/14, the loan payment would be adjusted accordingly based on my income. With ending this phone call, I immediately wrote the letter and both faxed and mailed the letter to Navient on 12/16/14.
11/3/14- Spoke to an employee about non-receipt of requested applications and expressed frustration. Employee placed a hold on account so that no payment would be due and re-sent the paperwork. He reported that he would send this twice in order to ensure it was delivered. Employee discussed application process with me and reported that I would just have to fill the paperwork out and return it. He reported that no proof of income was needed, as it would populate automatically with information provided via my last tax return. I received both sent applications and filled them out and returned them to Navient the same day as receiving them.
10/20/14- I spoke to an employee regarding not receiving paperwork and re-requested application to be mailed to my home. I then verified my home address with the employee and was assured it would be mailed out(application was never received)
9/17/14- I spoke to an employee about repayment options and requested income based repayment application to be sent by mail to my home. (this paperwork was never received)
2011-2014 (Prior to Navient) I had ZERO issues with Sallie Mae managing my loans, with being provided with correct information, or with receiving requested documents.
Thank you for your message. In the interest of protecting the privacy of our customers, the Office...
of the Customer Advocate responded directly to the customer via US Postal Service on February 26, 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 advocate Jocelyn from Navient never called me back to let me know if she received my teacher loan forgiveness application and if it was ok for her to send. I feel this is not correct and like always, they are giving me the run around. I want proof they sent my appication to the right hands, and if not I want to send the application myself.
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.
Since the business is responding directly to me, and via postal mail, and not directly to the Revdex.com, I cannot logically respond within five (5) business days (as you ask) with an accurate response of whether I agree or disagree with their response. Their response will not arrive in in time. It's not feasible. Accordingly, at this time, I am "rejecting" their response until I have received their postal response and have had appropriate time to respond. Thank you!!
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:
In October and November, I wrote to Navient to ask that they review my private student loans for dismissal based on fraud. Rather than reviewing my paperwork, I received a form letter which stated: "Your private loan is ineligible for Navient's closed school discharge program." I never asked Navient to discharge my private loans based on school closure. I asked that Navient review the 16+ documents that I sent to them to discharge my private student loans because the school committed fraud in coercing me to attend. The school made false promises and outright lied and thus the loans provided are based on fraud. The fact that the school closed has nothing to do with my request for discharge in any way except that it demonstrates further fraud committed by the school because they were accepting additional student loans while in the process of closing.
Translate
Desired Resolution / Outcome
Desired Resolution:
Refund
Desired Outcome:
I want Navient to go back and re-review ALL of the documentation I sent to them - the multiple emails, letters and 14 exhibits that I spent tedious amounts of time preparing and to properly evaluate dismissal of my student loans based on FRAUD, not school closure. In addition, I want Navient to: 1) 100% totally and completely discharge all of my Navient student loans because I was enticed into attending the Brooks Institute based on fraud. 2) Cancel any remaining principal, interest, fees and costs associated with my private student loans, borrowed to attend the Brooks Institute in Ventura CA 3) Cease any collection actions against me in relation to my private student loans 4) Return any sums paid, whether voluntarily or involuntarily, toward my private student loans, borrowed to attend Brooks Institute, Ventura CA 5) Remove any adverse reports related to my private student loans, borrowed to attend Brooks Institute, from all consumer credit reporting agencies.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on October 19, 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 April 7, 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 May 21, 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 July 8, 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 June 28, 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.
Problem:
I called to reapply for the Rate Reduction Program today at the phone number [redacted]. I first spoke with a woman named [redacted], who transferred me to her supervisor, [redacted], who eventually transferred me to a man named Josh. Between these three people, I was not able to reach a monthly payment amount that I can afford. Last year when I went through this process, the person I spoke to wanted to raise my interest rate from 1% to 3% despite my cosigner and me struggling to make ends meet at the 1% interest rate. This person suggested I find ways to cut back on monthly expenses such as on food. I asked him if it is a company policy of Navient’s to suggest its customers go hungry in order to pay back their debt. He said no. We eventually negotiated to a 2% interest rate which was still above what my cosigner and I could afford on a monthly basis. In the past year, to make ends meet, I did actually have to skip meals to make this monthly payment. In the last twelve months I have lost 20 pounds due to lack of food. For my age and height, I am now considered underweight. This year, Josh made a number of offensive and absurd suggestions to get me to pay the new amount: -He suggested I look for a second job. I currently work more than 50 hours a week just to maintain the job I have now. In this economy, it is not unusual for employees to work well beyond the typical 40 hour work week to keep their job. If I were to get a second job it would be for the one day a week I have off and would replace the time I currently use to cook all of my own meals for the week. The amount I would have to spend on food to eat out each meal would be more than the additional income from a second job. -He suggested I try to refinance this debt with another company. No company in the world would take on this amount of debt with my current circumstances. If I cannot afford the payment to Navient, why would another company take on the debt? -He suggested I apply for government assistance. The idea that Josh would suggest this moments after I give my financial information is ridiculous. I am not eligible for government assistance because I make too much money. -He suggested I call my landlord and request that my rent is reduced. I live in New York City. I would be evicted in an instant if I do not make my rent payment in full. If I have to choose between being evicted and living on the streets and eventually losing my job because of it or defaulting on my student loans, I think the choice is clear. I did not mention to Josh that prior to getting approved for the apartment I am in now, I was actually homeless for 6 months. I spent over a thousand dollars applying to apartment after apartment. I was declined for all because of my student loan debt. Are these company policies of Navient? To ask their customers to work seven days a week? To ask their customers to take from the government to pay for their loans? To ask their customers to risk being evicted? I am, for all intents and purposes, an indentured servant to Navient. I will remain an indentured servant for the next 25+ years. I do not go out anymore, I do not socialize, I do not buy clothes, I do not go on vacation; I do not do anything. I live to pay off these loans. I work, I come home, I sit alone, I go to bed, and I get up and do it again. I am also in more debt than I was last year. To make ends meet I had to lean on credit cards to get by. Along with this additional debt is an additional monthly payment that I cannot afford. My Federal Student Loans, which totaled roughly $100,000 when I graduated from college, have increased to roughly $112,000 today. The reason for this is my monthly payment to Navient is so high that I cannot even pay the minimum monthly payment to my Federal Loans to break even each month on the interest that accrues. Each month as I slowly pay down my Navient Debt, my other debts slowly increase at about the same rate. Despite these circumstances, today when I reapplied for the Rate Reduction Program, I was told that my interest rate and payment amount would have to increase again anyway. My cosigner and I reiterated our financial circumstances and the fact that we are not making ends meet at our current interest rate, but the Navient employees we spoke to just repeated the same statement over and over like a broken record. The two options I was left with at the end of the call were to accept a 2.5% interest rate for the next twelve months (which would increase my monthly payment) or to accept a 2.5% interest rate for the next twelve months and have the length of my loan extended by a few years (which would keep my payment the same as it is today). Neither of these options are a sustainable solution for the predicament I am in. I cannot afford my current payment as it stands today, so neither of these options are realistic. I also cannot extend my payment out by a number of years to get by for the next 12 months knowing that next year Navient will raise my interest rate again and I will again not be able to afford the payment. I am on the verge of defaulting because I cannot afford my payment. I do not see any point in extending the terms of my loan just so that I don’t default for another couple years. This is not a sustainable solution!
Translate
Desired Resolution / Outcome
Desired Resolution:
Billing Adjustment
select
Desired Outcome:
I want to make it clear that I have every intention of paying my debt in full, but I cannot make the payment that was offered to me today. The stress of going through this process every year is placing such a heavy psychological burden on me that I am getting ill. I need a permanent and sustainable payment that I can afford. I propose a payment of $750 a month for the remainder of my loan term. This issue needs to be resolved by the end of May when my payment will increase to the full amount. Please expedite this process.
Translate
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. All three automated payments have actually been sent to my account instead of the usual two.
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 August 24, 2015. Please allow sufficient time for
postal delivery.
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on December 31, 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 email on December 1, 2014.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that (provided the business implements the changes discussed during our call) this resolution is satisfactory to me.
Regards,
I would like for my loans to be transferred from this company. They do not have access to the National School Clearing house. I submitted a document, which is certified from my school that shows I am a current student. I faxed the document in and received a letter indicating that they could not accept my certified doc which is the standard that my school gives out that shows current enrollment certification. Also they sent an application that I have to fill out and my school that shows I am a current full time student. I told the rep I spoke with that my school is located in another city and is not close. I take classes at the campus in my same city I live in. It will be an inconvenience to drive to the main campus! The rep advise that he will put my account on some hold? He offered to email, he ended up saying he emailed the paper work to my school email. Checked my school email and did not receive email!!! I am not comfortable with a company that has my student loans that does not have access to Clearing house!!!
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.At this moment, I cannot accept any response as no letter has been received in the mail. Will wait for the letter to arrive and review the response offered by the business. I would like to give you a summary of what has happened since my complaint was made:1. My next payment is due this week and nothing has been done. I called last week and was told my case was assigned to someone that was not in the office that day. I left a message but no call has been received.2. Late fees has been added to my account; everyday "[redacted]" (a automated message) calls me to notify me that a message is in my account. The message happens to be a note for delinquent accounts threatening me to report my account to the credit agencies if I do not pay. I am still waiting for a call, letter or email to solve to this problem but the company has not contacted me.Thank youRegards,
[redacted]
12/30/14- attempted to call three times. First two times, received Verizon error messages saying the phone number had changed. Checked website and same number was listed as was dialing, called the third time and it worked. I went through the automated system to discover a 16-20 minute wait and followd prompts to be called back. When called back there was still a 6 minute wait on hold reported by the automation. Spoke to employee [redacted] regarding poor experiences with Navient since September. Was informed by employee that Supervisor had provided incorrect information at last phone call and that a previous employee had put a hold on my account which was also incorrect and that he had to remove this hold. Employee informed me that the letter (that supervisor had previously told me was acceptable for proof of income) was not an acceptable form of proof of income and that the date was not changed in the system resulting in a past due amount on my account. This employee confirmed receipt of the letter sent and informed me that it was not sufficient as proof of income unless I was not currently receiving an income. He also confirmed that no adjustments had been made to my account and that he was unable to put an administrative hold on my account as another employee had done in the past despite the many instances of incorrect information. This employee reported that the only way to make a complaint was to speak to a supervisor however the complaint would involve a supervisor so it needed to be put in writing and sent to Navient. He reported that the calls are recorded as well and that he was unable to provide me with names/ID numbers of the people I had spoken to previously to complain about them providing incorrect information. I inquired about the many issues occurring since my Sallie Mae loans had non-voluntarily been changed to Navient and discussed how to change my loans to another lender since Navient was not providing an acceptable service to me. He informed me that this process would take 60-90 days through the Department of Education. I then worked with this employee to put a 4-month forbearance on my account in order to provide me with enough time to make this change. I was informed that this forbearance would erase any past due amounts on my account and that their would not be any penalties. The next payment due is set to be on May 21, 2015. I informed this employee that I would be contacting a lawyer, my accountant, The Revdex.com, and The Department of Education surrounding my dissatisfaction in working with Navient.
12/29/14 (Sunday)- I checked my statement on the website to find that I now owed a payment of over $1,600 was due with the past due amount of around $818 meaning that no adjustments had taken place on my account as the supervisor had stated would take place. As today is a weekend day, I was unable to contact Navient until the following day.
12/28/14 (Saturday)- I received another letter in the mail stating that my income based repayment application was missing the necessary proof of income.
12/15/14- Received a letter stating that the information provided for proof of income was missing from application for income based repayment. Meanwhile, my payment is due on 12/21/14(less than a week away with an upcoming holiday). I then called Navient, which prompted me with a 1-2 minute wait. I followed prompts to wait on the line and the automation then reported a 6-8 minute wait. I then spoke to an employee, who reported that the information provided by previous call taker was incorrect. I requested to speak to a supervisor. I was on hold excessively during this attempt to contact both with the caller and to transition to speak to a supervisor. The supervisor reported that she was sorry for the misinformation and that they would need my pay-stubs. I explained that I am ending my employment with my current employer on12/31/14 and that the individual who I would get my paystubs from was on vacation until the new year and I would no longer be a employee when she returns. I reported that I would be starting a new job on 1/2/15. The supervisor reported that I could write a letter to Navient stating my current income and that this would be sufficient for proof of income for the income based repayment and that if it was received prior to 12/28/14, the loan payment would be adjusted accordingly based on my income. With ending this phone call, I immediately wrote the letter and both faxed and mailed the letter to Navient on 12/16/14.
11/3/14- Spoke to an employee about non-receipt of requested applications and expressed frustration. Employee placed a hold on account so that no payment would be due and re-sent the paperwork. He reported that he would send this twice in order to ensure it was delivered. Employee discussed application process with me and reported that I would just have to fill the paperwork out and return it. He reported that no proof of income was needed, as it would populate automatically with information provided via my last tax return. I received both sent applications and filled them out and returned them to Navient the same day as receiving them.
10/20/14- I spoke to an employee regarding not receiving paperwork and re-requested application to be mailed to my home. I then verified my home address with the employee and was assured it would be mailed out(application was never received)
9/17/14- I spoke to an employee about repayment options and requested income based repayment application to be sent by mail to my home. (this paperwork was never received)
2011-2014 (Prior to Navient) I had ZERO issues with Sallie Mae managing my loans, with being provided with correct information, or with receiving requested documents.
Thank you for your message. In the interest of protecting the privacy of our customers, the Office...
of the Customer Advocate responded directly to the customer via US Postal Service on February 26, 2015. Please allow sufficient time for postal delivery.
A representative from the Office of Customer Advocate contacted the customer by telephone on February 4, 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.
The advocate Jocelyn from Navient never called me back to let me know if she received my teacher loan forgiveness application and if it was ok for her to send. I feel this is not correct and like always, they are giving me the run around. I want proof they sent my appication to the right hands, and if not I want to send the application myself.
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.
Since the business is responding directly to me, and via postal mail, and not directly to the Revdex.com, I cannot logically respond within five (5) business days (as you ask) with an accurate response of whether I agree or disagree with their response. Their response will not arrive in in time. It's not feasible. Accordingly, at this time, I am "rejecting" their response until I have received their postal response and have had appropriate time to respond. Thank you!!
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:
In October and November, I wrote to Navient to ask that they review my private student loans for dismissal based on fraud. Rather than reviewing my paperwork, I received a form letter which stated: "Your private loan is ineligible for Navient's closed school discharge program." I never asked Navient to discharge my private loans based on school closure. I asked that Navient review the 16+ documents that I sent to them to discharge my private student loans because the school committed fraud in coercing me to attend. The school made false promises and outright lied and thus the loans provided are based on fraud. The fact that the school closed has nothing to do with my request for discharge in any way except that it demonstrates further fraud committed by the school because they were accepting additional student loans while in the process of closing.
Translate
Desired Resolution / Outcome
Desired Resolution:
Refund
Desired Outcome:
I want Navient to go back and re-review ALL of the documentation I sent to them - the multiple emails, letters and 14 exhibits that I spent tedious amounts of time preparing and to properly evaluate dismissal of my student loans based on FRAUD, not school closure. In addition, I want Navient to: 1) 100% totally and completely discharge all of my Navient student loans because I was enticed into attending the Brooks Institute based on fraud. 2) Cancel any remaining principal, interest, fees and costs associated with my private student loans, borrowed to attend the Brooks Institute in Ventura CA 3) Cease any collection actions against me in relation to my private student loans 4) Return any sums paid, whether voluntarily or involuntarily, toward my private student loans, borrowed to attend Brooks Institute, Ventura CA 5) Remove any adverse reports related to my private student loans, borrowed to attend Brooks Institute, from all consumer credit reporting agencies.
A representative from the Office of Customer
Advocate contacted the customer by telephone on April 2, 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 October 19, 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 April 7, 2015. Please allow sufficient time for postal
delivery.