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 signature student loan has been paid off from Navient dated March 13, 2016. I recienved another letter dated June 3, 2016 stating that the loan was moved into a new repayment status.
Translate
Desired Resolution / Outcome
Desired Resolution:
No further contact by the business
select
Desired Outcome:
I want the company to stop contacting me. and want a correction to a my credit report.
B
etter Business Bureau:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Regards,
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 5, 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 September 9, 2016. Please allow sufficient time for
postal delivery.
mso-hansi-theme-font: minor-latin;">A representative
from the Office of Customer Advocate contacted the customer by telephone
on July 8, 2016 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.
omplaint Detail / Problem
Complaint Type:
Contract Issues
select
Problem:
Every month either I or my student loan cosigner pays my student loans. Last month a ss number was hit with a hard credit inquiry which dropped my credit score immensely. When I contacted the business, they claimed they have no knowledge of this. This is extremely ridiculous as there are no missed payments or new loans application.
Translate
Desired Resolution / Outcome
Desired Resolution:
Other (requires explanation)
select
Desired Outcome:
DesiredSettlementID: Correction to a credit report I would like SallieMae to correct this issue immediately and have the hard inquiry removed.
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 spoke with [redacted] of Navient today. He says he will mail payment history on loans concerning [redacted]
He stated she had 2 loans 521.00 and 2979.00 = 3700.00; Parent Loan was 2859.00; which makes total 6559.00.
Payments were made totaling 4,349.28 plus 471.48 = 4,820.76
6559.00 – 4820.76 = 1,738.24 left
Now [redacted] said Parent Loan paid off in April 2013 and Student had deferred payment till January 2015. [redacted] claims no interest would have been put on till January because of student loan. Do not see any notification to anyone at that time of any other payment due. So of course Navient who took over Sallie Mae added interest which they say is now total of 2300.00 due.
There is 2 years of no notification listed and now says the above is due. Seems like a scam to me to get more money.
I guess though I have no other option other than to make payments but would like the amount to be stated 1,738.24. Do I have any other options? Can I do anything on my end? Do not want our credit nor daughter’s credit bad. Please advise.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on March 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 June 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 May 22, 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.
February 20, 2015
[redacted]
[redacted]
[redacted]
[redacted]
Dear [redacted]:
I am in receipt of your letters dated within 10 days of one another; 2/03/2015 and 2/14/2015.
Your attempt to explain what has happened to the above account is received, but not without dispute.
Once again, I will tell you that the last communication I received regarding my Sallie Mae student loan was that it was in deferment for the period 5/11/14 – 12/31/15 (a copy of this notification is attached).
Also again, I had not received any formal or official communication from NAVIENT or Sallie Mae regarding the fact that you have taken over Salle Mae, and that my student account was activated and/or due, since it was in
deferment until 12/31/2015.
Therefore, it is unfair credit practices for you to send me a statement telling me that I am already two months past due when, as a consumer, I was not made aware of the fact that anything was due, nor even who you are.
Again, I am disputing the past due amount and insist that the account be reset.
In your letter of 2/03/15, you indicated that multiple notifications were sent to me throughout 2014. It should not be difficult for you, then, to send me official copies of said notices that were mailed to me multiple times.
In my complaint to the Revdex.com and NAVIENT on 1/26/2015, here is what was stated:
Here is what needs to happen:1. IN WRITING, I need legal notification that Sallie Mae no longer represents my student loan.2.IN WRITING, I need legal notification that Navient is now representing that student loan, and why. Did Sallie Mae sell the loan?3. If everything is legitimate and the loan is now activated, I need WRITTEN notice of that. Why didnt I receive this from Sallie Mae back in December? 4.The account needs to be reset and be current without forebearance, etc. where you simply charge me more money. You must follow the guidelines of the law. You cannot send me a past due bill out of nowhere. Please respond IN WRITING. I dispute this debt due to reasons stated above. I dont know who or what Navient is. This is my second request to receive documentation IN WRITING.
Your letter of 2/03/15 satisfies #1 of the above, and #2. It does not however, comply with #3 and/or
#4. I am aware that I have rights under the FTC, and FCRA. This goes beyond poor customer service. Your practices have and are violating my rights.
Please comply with # 3 and #4. I dispute the delinquency of this debt to date.
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 15, 2015. Please allow sufficient time for postal
delivery.
font-family: Georgia; font-size: 10pt;">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.
We received the written statement from Navient, however it was riddled with inaccurate statements. These ranged from stating that we authorized a double payment on the same date, to saying that we set something up phone when it was set up online.To make matters worse we are getting conflicting information; to the point that it is now harassment and we will be looking for any ability to restrain Navient from contacting us.Following our communication to the Revdex.com, Navient reversed one of the double payments they took without authorization. However, they then retroactively increased the monthly payment amount and sent us to collections for being "late" on payments all in the same day. We have been receiving calls all hours of the day and all days of the week. The most of the time its a "robo-call" where a recorded message will play asking us to sit on hold to talk to a representative; however sometimes it is a real person demanding that they receive payment and making degrading statements. On one recent call, I calmly explained to the Navient representative what happened and I said I wanted to set up auto pay again once I could trust that they would do it right so that we wouldn't have to have these conversations any more and he stated "well, the life of your loan is quite long so it looks like we'll be having these conversations for a very long time since you can't seem to pay your bills."To make this even further confusing, the same day that we had this demeaning conversation, Navient sent us an email stating that they made a billing error and over-charged us and would need to credit the account for an amount that was even more than the Navient representative tried to harass us into paying them. Our account even showed that we owed absolutely nothing and when we tried to pay, it said that we couldn't pay yet since we didn't owe anything and it wasn't our payment date yet.It is very apparent that Navient has little to no respect for anyone; yet can't seem to stay organized enough to have consistent business practices.This is unacceptable and we will not tolerate this.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on November 23, 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 August 4, 2016. We will continue to work directly with the customer to resolve the issue.
A representative from the Office of Customer Advocate contacted the customer by telephone on February 25, 2015, and we are working 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:
My signature student loan has been paid off from Navient dated March 13, 2016. I recienved another letter dated June 3, 2016 stating that the loan was moved into a new repayment status.
Translate
Desired Resolution / Outcome
Desired Resolution:
No further contact by the business
select
Desired Outcome:
I want the company to stop contacting me. and want a correction to a my credit report.
B
etter Business Bureau:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Regards,
Tell us why here...
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 5, 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 September 9, 2016. Please allow sufficient time for
postal delivery.
mso-hansi-theme-font: minor-latin;">A representative
from the Office of Customer Advocate contacted the customer by telephone
on July 8, 2016 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.
omplaint Detail / Problem
Complaint Type:
Contract Issues
select
Problem:
Every month either I or my student loan cosigner pays my student loans. Last month a ss number was hit with a hard credit inquiry which dropped my credit score immensely. When I contacted the business, they claimed they have no knowledge of this. This is extremely ridiculous as there are no missed payments or new loans application.
Translate
Desired Resolution / Outcome
Desired Resolution:
Other (requires explanation)
select
Desired Outcome:
DesiredSettlementID: Correction to a credit report I would like SallieMae to correct this issue immediately and have the hard inquiry removed.
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on April 10, 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 spoke with [redacted] of Navient today. He says he will mail payment history on loans concerning [redacted]
He stated she had 2 loans 521.00 and 2979.00 = 3700.00; Parent Loan was 2859.00; which makes total 6559.00.
Payments were made totaling 4,349.28 plus 471.48 = 4,820.76
6559.00 – 4820.76 = 1,738.24 left
Now [redacted] said Parent Loan paid off in April 2013 and Student had deferred payment till January 2015. [redacted] claims no interest would have been put on till January because of student loan. Do not see any notification to anyone at that time of any other payment due. So of course Navient who took over Sallie Mae added interest which they say is now total of 2300.00 due.
There is 2 years of no notification listed and now says the above is due. Seems like a scam to me to get more money.
I guess though I have no other option other than to make payments but would like the amount to be stated 1,738.24. Do I have any other options? Can I do anything on my end? Do not want our credit nor daughter’s credit bad. Please advise.
Thanks.
Sincerely,
[redacted]
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 30, 2016. Please allow sufficient time for postal
delivery.
A representative from the Office of Customer
Advocate contacted the customer by telephone on March 25, 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 June 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 May 22, 2015. Please allow sufficient time for postal
delivery.
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.
February 20, 2015
[redacted]
[redacted]
[redacted]
[redacted]
Dear [redacted]:
I am in receipt of your letters dated within 10 days of one another; 2/03/2015 and 2/14/2015.
Your attempt to explain what has happened to the above account is received, but not without dispute.
Once again, I will tell you that the last communication I received regarding my Sallie Mae student loan was that it was in deferment for the period 5/11/14 – 12/31/15 (a copy of this notification is attached).
Also again, I had not received any formal or official communication from NAVIENT or Sallie Mae regarding the fact that you have taken over Salle Mae, and that my student account was activated and/or due, since it was in
deferment until 12/31/2015.
Therefore, it is unfair credit practices for you to send me a statement telling me that I am already two months past due when, as a consumer, I was not made aware of the fact that anything was due, nor even who you are.
Again, I am disputing the past due amount and insist that the account be reset.
In your letter of 2/03/15, you indicated that multiple notifications were sent to me throughout 2014. It should not be difficult for you, then, to send me official copies of said notices that were mailed to me multiple times.
In my complaint to the Revdex.com and NAVIENT on 1/26/2015, here is what was stated:
Here is what needs to happen:1. IN WRITING, I need legal notification that Sallie Mae no longer represents my student loan.2.IN WRITING, I need legal notification that Navient is now representing that student loan, and why. Did Sallie Mae sell the loan?3. If everything is legitimate and the loan is now activated, I need WRITTEN notice of that. Why didnt I receive this from Sallie Mae back in December? 4.The account needs to be reset and be current without forebearance, etc. where you simply charge me more money. You must follow the guidelines of the law. You cannot send me a past due bill out of nowhere. Please respond IN WRITING. I dispute this debt due to reasons stated above. I dont know who or what Navient is. This is my second request to receive documentation IN WRITING.
Your letter of 2/03/15 satisfies #1 of the above, and #2. It does not however, comply with #3 and/or
#4. I am aware that I have rights under the FTC, and FCRA. This goes beyond poor customer service. Your practices have and are violating my rights.
Please comply with # 3 and #4. I dispute the delinquency of this debt to date.
[redacted] ...⇄ [redacted] [redacted]
...⇄ [redacted] [redacted] ...⇄ [redacted]
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 15, 2015. Please allow sufficient time for postal
delivery.
font-family: Georgia; font-size: 10pt;">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.
We received the written statement from Navient, however it was riddled with inaccurate statements. These ranged from stating that we authorized a double payment on the same date, to saying that we set something up phone when it was set up online.To make matters worse we are getting conflicting information; to the point that it is now harassment and we will be looking for any ability to restrain Navient from contacting us.Following our communication to the Revdex.com, Navient reversed one of the double payments they took without authorization. However, they then retroactively increased the monthly payment amount and sent us to collections for being "late" on payments all in the same day. We have been receiving calls all hours of the day and all days of the week. The most of the time its a "robo-call" where a recorded message will play asking us to sit on hold to talk to a representative; however sometimes it is a real person demanding that they receive payment and making degrading statements. On one recent call, I calmly explained to the Navient representative what happened and I said I wanted to set up auto pay again once I could trust that they would do it right so that we wouldn't have to have these conversations any more and he stated "well, the life of your loan is quite long so it looks like we'll be having these conversations for a very long time since you can't seem to pay your bills."To make this even further confusing, the same day that we had this demeaning conversation, Navient sent us an email stating that they made a billing error and over-charged us and would need to credit the account for an amount that was even more than the Navient representative tried to harass us into paying them. Our account even showed that we owed absolutely nothing and when we tried to pay, it said that we couldn't pay yet since we didn't owe anything and it wasn't our payment date yet.It is very apparent that Navient has little to no respect for anyone; yet can't seem to stay organized enough to have consistent business practices.This is unacceptable and we will not tolerate this.
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 23, 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 August 4, 2016. We will continue to work directly with the customer to resolve the issue.
A representative from the Office of Customer Advocate contacted the customer by telephone on February 25, 2015, and we are working with the customer...
directly to resolve the issue.
A representative from the Office...
of Customer
Advocate contacted the customer by telephone on August 31, 2015 and resolved
the issue with the customer.