protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on December 15, 2016. Please allow sufficient time for
postal delivery.
The absolute worst company ever, I really wish I could have had a say so in who took over my loans this has been a disaster ever since they took over. Their customer service reps have nasty attitudes and are lazy especially [redacted]. It's enough stress dealing with the high cost of an education then you have to deal with them who's system is never correct.
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. 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 December 1, 2016. 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 5, 2016. 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 April 27, 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.
Ms [redacted] called me and asked a few questions with minimum verbal response from her, she stated she was not aware of my address change although I informed them of an address and phone number change Ms [redacted] was able to call me on the correct number but stated she did not have any record of my address change. If she was able to determine that the address change was not made by her company resulting in miscommunication she would be able to remove the negative credit reporting. I received a letter in the mail today stating that she was not able to find any documentation with me notifying Navient of my address change therefore the negative credit report would not be removed. Furthermore as stated in the letter Navient allows both primary borrower and cosigner to revised and or change the payment plan without consent to each person made on the original loan agreement. I do not agree with this, if a legal agreement is made between three parties, one of the parties should not be able to change that agreement without the consent of all parties in the agreement. This is a violation of the initial contract. A cosigner was needed to obtain this loan how is possible for the primary borrower to make changes to the loan without the cosigners approval. Furthermore is Navient in agreement with allowing changes in the payment plan if it is profitable for their company.... which adversely affects the person who is not in agreement with this loan changes. The agreement with the loan is a legal document and I feel this is an illegal authorization and abuse of my credit towards Navient's financial gains.
Regards,
Revdex.com:
I have spoken with Navient in regards to complaint ID [redacted], and when I receive documentation from them that the account is paid in full I will agree to a satisfactory resolution. The complaint is based on them agreeing to a payoff and then not following through with the agreement and asking for more money. I want to have the documentation in my hand before I will sign off on a satisfactory resolution.
Regards,
mso-hansi-theme-font: minor-latin;">A representative
from the Office of Customer Advocate contacted the customer by telephone
on August 18, 2016 and resolved the
issue with the customer.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on September 22, 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 received Navient's mailed correspondence and unfortunately no new information was given regarding my account. They state that there is a late fee of $143.21 on my account, which their rep already told me previously. I had requested information regarding this late fee and requested an account break down for when the fees occurred and how much, but I have never received this information previously, or now in this letter from Navient. I have never been informed of late fees accruing on my account nor have I ever paid a payment late. Previously, when Sallie Mae was still the account holder, I would pay the total monthly payment required on my account for all my student loans but Sallie Mae would allocate the wrong amount to each loan and thus my account would say 1 of my loans was past due, even though it was not. So I would have to call in every single month for a couple years and request they allocate my payment properly. An example is if you have 2 student loans and each payment is $50 for a total of $100 due on the account, they would apply the full $100 to loan 1. Loan 1 would be over paid, loan 2 would have zero payment and show past due. I shouldn't have had to request they correct this every month since that's what their company is supposed to do automatically. Its not my job to call in every month and tell them how to do their job correctly. This problem ceased once I paid off my 3 private loans totaling more than $12,000 in full in 2012 and now I am only left with 2 federal loans. I went through my entire account history since 2008 that is listed on the Navient site and cannot find a past due payment nor a late fee at all, let alone $143.21 worth.
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.
THERE HAS BEEN NO RESPONSE TO SETTLING THIS MATTER AND ACTUALLY NO CONCERNS TO SETTLE THIS MATTER!!!!!!!!
THERE HAS BEEN NO CONTACT TO SETTLE THIS MATTER..... AS OF NOW I SEE NO REASON TO FORWARD ANY MORE PAYMENTS......THERE WAS NO CONCERN AND WAS TOLD THAT SOMEONE WILL CONTACT ME TO NO AVAIL
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on September 15, 2016. We will continue to work with the customer directly to resolve the issue.
size="3">
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.
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 reached out to my case worker, and my concerns are still pending. I should find out by 10/18/15 whether or not I have access to my personal online account. I am also awaiting a response to my last email that was sent today, 10/13/15, regarding repayment concerns and requested contact info for Enterprise Recovery Systems. Until these things have been addressed, I would like to decline business resolution.
Regards,
I've been on a payment repayment plan for two years never missed a payment and not in default try to set up a payment plan for the third year and they said since my finances don't make sense to them they won't allow that to happen so they want to take a third of my entire income to pay back their bills I'm gonna let my loans going to default and it's going to hit my credit but I will not give them another dime I refuse
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on July 6, 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 December 15, 2016. Please allow sufficient time for
postal delivery.
The absolute worst company ever, I really wish I could have had a say so in who took over my loans this has been a disaster ever since they took over. Their customer service reps have nasty attitudes and are lazy especially [redacted]. It's enough stress dealing with the high cost of an education then you have to deal with them who's system is never correct.
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. Please allow sufficient time for postal delivery.
A representative from the Office of Customer Advocate contacted the customer by telephone on February 10, 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 1, 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 February 5, 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 April 27, 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.
Ms [redacted] called me and asked a few questions with minimum verbal response from her, she stated she was not aware of my address change although I informed them of an address and phone number change Ms [redacted] was able to call me on the correct number but stated she did not have any record of my address change. If she was able to determine that the address change was not made by her company resulting in miscommunication she would be able to remove the negative credit reporting. I received a letter in the mail today stating that she was not able to find any documentation with me notifying Navient of my address change therefore the negative credit report would not be removed. Furthermore as stated in the letter Navient allows both primary borrower and cosigner to revised and or change the payment plan without consent to each person made on the original loan agreement. I do not agree with this, if a legal agreement is made between three parties, one of the parties should not be able to change that agreement without the consent of all parties in the agreement. This is a violation of the initial contract. A cosigner was needed to obtain this loan how is possible for the primary borrower to make changes to the loan without the cosigners approval. Furthermore is Navient in agreement with allowing changes in the payment plan if it is profitable for their company.... which adversely affects the person who is not in agreement with this loan changes. The agreement with the loan is a legal document and I feel this is an illegal authorization and abuse of my credit towards Navient's financial gains.
Regards,
Revdex.com:
I have spoken with Navient in regards to complaint ID [redacted], and when I receive documentation from them that the account is paid in full I will agree to a satisfactory resolution. The complaint is based on them agreeing to a payoff and then not following through with the agreement and asking for more money. I want to have the documentation in my hand before I will sign off on a satisfactory resolution.
Regards,
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on April 1, 2015 and resolved the
issue with the customer.
mso-hansi-theme-font: minor-latin;">A representative
from the Office of Customer Advocate contacted the customer by telephone
on August 18, 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 September 22, 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 received Navient's mailed correspondence and unfortunately no new information was given regarding my account. They state that there is a late fee of $143.21 on my account, which their rep already told me previously. I had requested information regarding this late fee and requested an account break down for when the fees occurred and how much, but I have never received this information previously, or now in this letter from Navient. I have never been informed of late fees accruing on my account nor have I ever paid a payment late. Previously, when Sallie Mae was still the account holder, I would pay the total monthly payment required on my account for all my student loans but Sallie Mae would allocate the wrong amount to each loan and thus my account would say 1 of my loans was past due, even though it was not. So I would have to call in every single month for a couple years and request they allocate my payment properly. An example is if you have 2 student loans and each payment is $50 for a total of $100 due on the account, they would apply the full $100 to loan 1. Loan 1 would be over paid, loan 2 would have zero payment and show past due. I shouldn't have had to request they correct this every month since that's what their company is supposed to do automatically. Its not my job to call in every month and tell them how to do their job correctly. This problem ceased once I paid off my 3 private loans totaling more than $12,000 in full in 2012 and now I am only left with 2 federal loans. I went through my entire account history since 2008 that is listed on the Navient site and cannot find a past due payment nor a late fee at all, let alone $143.21 worth.
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.
THERE HAS BEEN NO RESPONSE TO SETTLING THIS MATTER AND ACTUALLY NO CONCERNS TO SETTLE THIS MATTER!!!!!!!!
THERE HAS BEEN NO CONTACT TO SETTLE THIS MATTER..... AS OF NOW I SEE NO REASON TO FORWARD ANY MORE PAYMENTS......THERE WAS NO CONCERN AND WAS TOLD THAT SOMEONE WILL CONTACT ME TO NO AVAIL
Thank you for
your message. In the interest of...
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on September 15, 2016. We will continue to work with the customer directly to resolve the issue.
A representative...
from the Office of Customer
Advocate contacted the customer by telephone on July 17, 2015 and resolved the
issue with the customer.
size="3">
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.
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 reached out to my case worker, and my concerns are still pending. I should find out by 10/18/15 whether or not I have access to my personal online account. I am also awaiting a response to my last email that was sent today, 10/13/15, regarding repayment concerns and requested contact info for Enterprise Recovery Systems. Until these things have been addressed, I would like to decline business resolution.
Regards,
I've been on a payment repayment plan for two years never missed a payment and not in default try to set up a payment plan for the third year and they said since my finances don't make sense to them they won't allow that to happen so they want to take a third of my entire income to pay back their bills I'm gonna let my loans going to default and it's going to hit my credit but I will not give them another dime I refuse
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 6, 2015. Please allow sufficient time for postal
delivery.