A representative from the Office of Customer Advocate contacted the customer by telephone on November 21, 2014 and resolved the issue with the customer.
What a horrible company this is!! I signed up for Auto-pay for my convenience and it has been the worse decision. I have done Auto-pay with Navient for over 5 years now, the one time I ask them to change my payment date they say no because I have late payments, exhausted deferments and forbearance. Please keep in mind that I have auto-pay, so there is no way that I have ever had any late payments, neither have I had deferments or forbearance because I don't qualify. This company is one of the biggest scammers out there, I feel like my checking account is being held hostage to the point that I want to close my account. I am considering ending Auto-pay, but I am sure they will give me problems.
Proper credits not being applied. Received a phone call from Navient on 10/23, whom stated, I haven't made a single payment in over 160 days. This is incorrect. Check payments are not being applied to my account.
I have also mailed 3 certified letters, but nothing is ever done. My account is being neglected and mismanaged.
I have made online payments in the past, but had identity theft problems. Changed to check only payments.
Certified letters sent in regards to concerns about the credits for my accounts. Track confirmation at usps.com.
**SSN[redacted]SSN** for April 2014
**SSN[redacted]SSN** for Sept. 2014
**SSN[redacted]SSN** for December
IBR Account 9**SSN**
for April IBR, [redacted] Check 1024, 93.76
for July 2014, [redacted] Check 1189, 93.76
for August 2014, [redacted] Check 1190, 93.76
for Sept. 2014 [redacted] Check 1027, 93.76
for Oct. 2014, [redacted] Check 1200, 93.76
for Nov. and Dec. 2014, [redacted] Check 1215, 187.52
for Jan. 2015, [redacted] Check 1228, 93.76
750.08
Private Loans
for April 2014, [redacted] Check 1022, 230.00
for Sept. 2014, [redacted] Check 1029, 179.38
for Nov. and Dec. 2014, [redacted] Check 1214, 166.18
for Jan. 2015, [redacted] Check 1229, 83.09
658.65
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 17, 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.
Complaint Type:
Customer Service Issues
select
Problem:
Over the past 2 years, Navient has repeated changed their stance, not notified me (within federal notifications guidelines) and continue to bring up separate issues. Below is an outline of the multiple issues provided by Navient over the last years as they have blemished my credit report and have refused to fix it: - claimed they had no record of my account - would not advise me on my account because they were not authorized - requested me to provide proof of payment of my student loans, despite having access my account records - claimed they had no record of my payments because my account was sold to Citi - further claimed they had no record of my payments because Citi resold my account to Discover - after I reconciled my own payment history (fully on time and paid in full) with Discover and provided the data to Navient, Navient still said the account was delinquent - I submitted a case to the Revdex.com and was immediately contacted by a Navient agent - Navient then advised that my account was delinquent for a separate loan totaling $600 and subsequently written off - My credit report only shows the student loan account with Navient (Sallie Mae at the time) which was paid in full as supported by documentation from Discover - There is no loan on my credit report for $600 with Navient
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Desired Resolution / Outcome
Desired Resolution:
Correction to a credit report
select
Desired Outcome:
I have made over 20 phone calls over 2 years and Navient's lack of consistent business processes and data systems need to correct my credit report immediately.
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 6, 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 loans were in deferment status and SHOULD NOT be showing as negative mark against me. All this bull about "Retroactive" deferment I think is against the law.
Regards,
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on April 24, 2015. Please allow sufficient time for postal
delivery.
of protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on April 28, 2016. Please allow sufficient time for postal
delivery.
Georgia; 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.
Last week Navient has called me twice last and left a voicemail when I was at work. Both times I called back during business hours but there was no answer and I left a return voicemail. I have not received any further contact from Navient. This email states they are sending me a letter to be mailed out today. So I will have to wait and see what it says since they apparently aren't capable of using a telephone to return my calls. I am stating that I reject their response only since there is a 5 day window or I "automatically" approve of their response. The chance that I actually receive a mailed letter from them within the next 5 days with a positive message in response to my complaint is unrealistic since its Christmas week and mail will be moving slow. I will readdress this once a letter is received and decide at that point whether to accept or decline based on the letter I receive.
Regards,
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on March 17, 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 have been in contact with Navient about this debt numerous of time and they never sent me a copy of the original signed promissory note. The company has had more than enough time to get this correspondence to me in a manner. I have had to consult The Revdex.com to exercise my rights as a consumer to get this wrongly report information removed because they have not validate the debt which has been asked of them to do since August of 2016.
Regards,
[redacted]
Georgia; 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:
Due to my illness, I hve not been able to respond to Navient until now . I only stopped paying when I became ill My mom and my attorney attempted to work out an agreement with 3 different employees; [redacted]. Each time a so-called agerement was reached they provided loan nos we had never seen before Everything was bogus. One time only. they responded to my lawyer but refused to use the agreed upon language. We constanttly requested a list of the original loan numbers, dates, amounts. Nothing in writing was ever received attempting to establish an attainable repayment amount.
Translate
Desired Outcome:
A letter written to my lawyer and myself containing the amounts, dates, and original loan numbers with an attempt to come to some attainable and reasonable agreement of repayment and using the language agreed upon with my lawyer
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on February 2, 2016. Please allow sufficient time for
postal delivery.
A representative from the Office of Customer Advocate contacted the customer by telephone on November 21, 2014 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 September 21, 2016.
What a horrible company this is!! I signed up for Auto-pay for my convenience and it has been the worse decision. I have done Auto-pay with Navient for over 5 years now, the one time I ask them to change my payment date they say no because I have late payments, exhausted deferments and forbearance. Please keep in mind that I have auto-pay, so there is no way that I have ever had any late payments, neither have I had deferments or forbearance because I don't qualify. This company is one of the biggest scammers out there, I feel like my checking account is being held hostage to the point that I want to close my account. I am considering ending Auto-pay, but I am sure they will give me problems.
Proper credits not being applied. Received a phone call from Navient on 10/23, whom stated, I haven't made a single payment in over 160 days. This is incorrect. Check payments are not being applied to my account.
I have also mailed 3 certified letters, but nothing is ever done. My account is being neglected and mismanaged.
I have made online payments in the past, but had identity theft problems. Changed to check only payments.
Certified letters sent in regards to concerns about the credits for my accounts. Track confirmation at usps.com.
**SSN[redacted]SSN** for April 2014
**SSN[redacted]SSN** for Sept. 2014
**SSN[redacted]SSN** for December
IBR Account 9**SSN**
for April IBR, [redacted] Check 1024, 93.76
for July 2014, [redacted] Check 1189, 93.76
for August 2014, [redacted] Check 1190, 93.76
for Sept. 2014 [redacted] Check 1027, 93.76
for Oct. 2014, [redacted] Check 1200, 93.76
for Nov. and Dec. 2014, [redacted] Check 1215, 187.52
for Jan. 2015, [redacted] Check 1228, 93.76
750.08
Private Loans
for April 2014, [redacted] Check 1022, 230.00
for Sept. 2014, [redacted] Check 1029, 179.38
for Nov. and Dec. 2014, [redacted] Check 1214, 166.18
for Jan. 2015, [redacted] Check 1229, 83.09
658.65
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 17, 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.
Complaint Type:
Customer Service Issues
select
Problem:
Over the past 2 years, Navient has repeated changed their stance, not notified me (within federal notifications guidelines) and continue to bring up separate issues. Below is an outline of the multiple issues provided by Navient over the last years as they have blemished my credit report and have refused to fix it: - claimed they had no record of my account - would not advise me on my account because they were not authorized - requested me to provide proof of payment of my student loans, despite having access my account records - claimed they had no record of my payments because my account was sold to Citi - further claimed they had no record of my payments because Citi resold my account to Discover - after I reconciled my own payment history (fully on time and paid in full) with Discover and provided the data to Navient, Navient still said the account was delinquent - I submitted a case to the Revdex.com and was immediately contacted by a Navient agent - Navient then advised that my account was delinquent for a separate loan totaling $600 and subsequently written off - My credit report only shows the student loan account with Navient (Sallie Mae at the time) which was paid in full as supported by documentation from Discover - There is no loan on my credit report for $600 with Navient
Translate
Desired Resolution / Outcome
Desired Resolution:
Correction to a credit report
select
Desired Outcome:
I have made over 20 phone calls over 2 years and Navient's lack of consistent business processes and data systems need to correct my credit report immediately.
A representative from the Office of...
Customer
Advocate contacted the customer by telephone on January 22, 2016 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 March 6, 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 loans were in deferment status and SHOULD NOT be showing as negative mark against me. All this bull about "Retroactive" deferment I think is against the law.
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 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 April 28, 2016. Please allow sufficient time for postal
delivery.
Georgia; 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.
Last week Navient has called me twice last and left a voicemail when I was at work. Both times I called back during business hours but there was no answer and I left a return voicemail. I have not received any further contact from Navient. This email states they are sending me a letter to be mailed out today. So I will have to wait and see what it says since they apparently aren't capable of using a telephone to return my calls. I am stating that I reject their response only since there is a 5 day window or I "automatically" approve of their response. The chance that I actually receive a mailed letter from them within the next 5 days with a positive message in response to my complaint is unrealistic since its Christmas week and mail will be moving slow. I will readdress this once a letter is received and decide at that point whether to accept or decline based on the letter I receive.
Regards,
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on September 21, 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 March 17, 2016. Please allow sufficient time for postal
delivery.
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on June 23, 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.
I have been in contact with Navient about this debt numerous of time and they never sent me a copy of the original signed promissory note. The company has had more than enough time to get this correspondence to me in a manner. I have had to consult The Revdex.com to exercise my rights as a consumer to get this wrongly report information removed because they have not validate the debt which has been asked of them to do since August of 2016.
Regards,
[redacted]
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on March 27, 2015 and resolved the
issue with the customer.
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on May 6, 2015 and resolved the
issue with the customer.
Georgia; 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:
Due to my illness, I hve not been able to respond to Navient until now . I only stopped paying when I became ill My mom and my attorney attempted to work out an agreement with 3 different employees; [redacted]. Each time a so-called agerement was reached they provided loan nos we had never seen before Everything was bogus. One time only. they responded to my lawyer but refused to use the agreed upon language. We constanttly requested a list of the original loan numbers, dates, amounts. Nothing in writing was ever received attempting to establish an attainable repayment amount.
Translate
Desired Outcome:
A letter written to my lawyer and myself containing the amounts, dates, and original loan numbers with an attempt to come to some attainable and reasonable agreement of repayment and using the language agreed upon with my lawyer
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 2, 2016. Please allow sufficient time for
postal delivery.