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 want them to update my credit report showing as paid and not to show as a charge off in August 2016 or the next step will be to contact a lawyer and file a suit with the Fair Credit Report Agency.
Regards,
[redacted]
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.
Revdex.com:
150%; font-family: Verdana; font-size: 10pt;">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,
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. The representative informed that it is the 3 credit bureaus and not Navient who have reported my payment history as missing. The representative assured me that Navient has provided the credit bureaus with my information and that there is nothing more that can be done on their end. Navient suggests I contact the 3 credit bureaus directly to correct this information, which I have already done.
Regards,
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 19, 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.
roblem:
This is the 2nd time I've filed a complaint with the Revdex.com on Navient. They have started their numerous phone calls again. They contact both my dad and me several times an hour from different locations across the US. Some of the calls will hang up without leaving a message and others leave a message. The calls begin as early as 8:00 a.m. and stop as late as 7:00 or 8:00 p.m. seven days a week. We have asked them to limit their calls to a one or two per day and only a few per week.
Translate
Desired Resolution / Outcome
Desired Resolution:
Other (requires explanation)
select
Desired Outcome:
I am requiring no more than 2 calls per week. I KNOW that payments are due and they are getting paid. I am also requiring that if they continue making several phone calls per hour they credit my account $25 per extra call if more than 2 per week.
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.
They are unwilling to work with me, and told me point blank that they don't care if I'm put out by their 8:50 pm calls (Central standard time) but that they will continue to call me whenever they feel like it and that my only options are to A) pay them money that I don't have or B) pay $50 every three months to keep it in forbearance, something else that I can't afford, and in the mean time, they will continue to harass me. I just simply want them to quit calling me so late at night, that is my only request and they flat out refuse to do anything about it.
Regards,
mso-hansi-theme-font: minor-latin;">A representative
from the Office of Customer Advocate contacted the customer by telephone
on September 16, 2016 and resolved the
issue with the customer.
I have continually had payments I have made misapplied to loans. I have four student loans with Navient, but only have to pay two of them currently. They constantly apply my payment, (disregarding their official monthly statement) to all four instead of the two I'm being billed for. Thus on my account it shows that I have delinquent payments. It takes calling customer service and talking to a minimum of three different people, each time to get this resolved. They sure like playing around with your money however they feel like. It took two weeks the last time to get my payment reapplied correctly, all while it was negatively affecting my credit score. My recommendation is to refinance privately and walk away from this incompetency. You will lose more money and time with Navient that through someone else.
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 not still received the documentation that was promised to resolve this matter yet. Navient needs to comply with what has been promised prior to closing any case.
Regards,
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.
Complaint Type:
Billing or Collection Issues
select
Problem:
This is not the first Revdex.com complaint I have filed with Navient. I filed a compliant a few months back and was not satisfied with my resolution. The previous complaint was (Complaint ID # [redacted]- Navient.) It pertains to the same problems arising in this new complaint. Clearly there is a lack of Compliance and Regulatory control within Navient. I will preface this complaint explaining I work for a financial institutions collection compliance department and am well versed on collection and regulatory laws!! On 11/2/15 at 7;30 AM central time, I made a online payment to Navient for $583.57 with the confirmation number 49516938C. I received an inbound call from Navient at 8:04 AM where I gave the representative my information and the confirmation of the payment amount as well as the confirmation number. Next I received a missed call from Navient at 10:06 AM. Another missed call from Navient at 10:15 AM. I responded to the missed calls at 11:15 AM by calling Navient and giving the same information I did with the first representative that morning. On 11/3/15 at 8:32 AM I received a call from Navient and explained for the 3rd time the same information pertaining to the online payment. At 9:13 AM I received a missed call from Navient. At 10:30 AM I received another missed call from Navient. At 11:37 AM I called Navient and spoke with another representative and explained the same payment and confirmation information. My co- signers have been getting just as many calls as I have. I stated previously, this is not the first complaint I have filed about the volume of calls! I know the auto dialer cant possibly be set to call that amount of times within a two(2) day period. Also, representatives can clearly see when my account populates on their screen the previous notes of me talking to Navient! Surely Navient is well aware of TCPA laws. The CFPB and my Attorney will be the next people contacted and in communication with Navient if a monetary settlement is not reached. I will have my Attorney subpoena the (call recording history) between me and Navient which is quite lengthy!
Translate
Desired Resolution / Outcome
Desired Resolution:
Other (requires explanation)
select
Desired Outcome:
I want a Cease and Desist on all collection communication efforts from Navient. My co-signers request the same! My desired settlement is monetary. If a monetary settlement is not reached a lawsuit will be the next step and communication will than be held by my attorney
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on June 19, 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 received a letter from Navient on November 29,2016. Upon review of the letter,I noticed that the agreed upon amount to be paid by auto-pay on the 19th of every month was incorrect. It stated that $78.98 would be deducted from my account on December 4,2016. I had specifically set the payment of $64.00 up on the 19th of every month, as that is when I will have money in my account. It gave me the name, number, and extension of someone from the customer advocacy board whom I could reach directly. When I called the number, however, it sent me to a direct representative line and did not give me the ability to enter the extension of the contact person. The first person I spoke to told me she could put in a request to change my due date, but that it would not take effect until January of 2017 and that the payment of $64.00 will come out on the 4th of December, 2016. She could not tell me where the balance of $78.98 came from, as she did not have that amount in her system. When I explained my situation and the payment agreement for the 19th of every month, she directed me to someone else. In all, my phone call lasted one hour and 5 minutes. The fourth, and final, person I was transferred to stated he was with the billing department and could not request a change in my due date, and he would have to transfer me back to customer service. I was told if I cancelled the auto-payment, that the balance that was brought current on 11/19/16 by a payment of $64.00 would be retracted back to the 6 months of payments that Navient is saying I was notified of and that I would have a balance due of several hundred dollars. Yet again, another bullying tactic used by Navient. Apparently the payment agreement I arranged for the 19th of every month was only for November and Navient had the right to move my due date. Due to my financial situation, had I been aware of this I would have set it for the 19th of every month, assuming that's what I had done when I made the agreement on November 8th. I was given the option to leave a message for the person assigned to my case, but declined and instead opted to try and reach her tomorrow. This is extremely tiring as I had just gone in circles with 4 different people for over an hour, each who told me something different. In addition to the inaccuracy of the amount and due date, the letter stated that my main complaint was repeated phone calls. That is also incorrect. The initial complaint was due to horrific customer service that I experienced over a period of weeks. Navient stated that the automated calls would stop once contact was made for the day, but that is not true. I answered the phone calls from Navient several times a day. Every time I pressed to speak to a representative, and every time the phone disconnected. The experience I had with a representative on November 8th was the reason for my complaint, not the phone calls, although those were an annoyance as well. There is no other word to describe my overall experience with Navient other than horrific. Their attempt at a response was just another let down from a company who uses bullying tactics to get over-payments. Also, when I attempted to call today the automated system stated I had a balance of $9 due on Dec. 1,2016. No one could explain that amount to me either. I am so exhausted from going round and round with this company.
Regards,
[redacted]
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 sorry when I received the email on the 17th of February, I was trying to respond to it but I could not write anything at the time it would not allow it. But since I file the complaint . I have received a call from the company which had still not responded to my request for an accounting of payments. I did received a copy of loan which of course was a promise to pay and as the co-signer. I found out that the loan had been splint up and the payment plan agreement was only being paid on a federal loan that I was not aware of. I have spoken to Mr. Brown on this matter as he has attempted to pay this loan back since 2007. I talk to one of representative at the company who had basically threaten me and has continue to harass me from 8am to 10pm. Now they are calling me at work. They still are saying that there is no payment plan set to collect payment which I know has already started again. Please I need some assist with this matter.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10770976, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.They finally contacted us after you contacted them, but they have not given us any answer and definitely haven't allocated the payments we made to our loans. Nothing has been resolved at all. Quite opposite, the inaccurate loan is still accruing interest. It is clear to us, that they allocated our payment to a loan that had already been paid off. They keep saying they will look into things, but nothing is happening. It is unbelievable of them to say that they are working with us to resolve the issue. Yes, they assigned it to someone named Justin, but unfortunately nothing has happened. We also paid off the remaining real balance of a little over $700 to see/show how this would be allocated, and again, some of the money was allocated to the loan that had already been paid off!!
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 business continues its trend of dishonesty and broken promises. In addition, my inquiry with my bank proved that the supposed communication by Navient is not truthful. Nor has the referenced bank account ever been closed. The document(s) supposedly sent by Navient via US mail has not been received in a timely manner nor is it expected. This dishonest organization is under nationwide criticism of many other loan recipients as is the case with my complaint about this company. This company has made no attempt to correct their malicious conduct in this matter and has not called or mail the documents the company claims to have mailed. Furthermore, any such documents would not do anything to reverse any damage to my credit profile already done. Additionally, the company has not posted a mailed on 11/11/2015 payment that would bring my account current per their malicious conduct. The company has followed their trend of dishonesty by offering me a payment option spanning 10 years for an account balance that is nearly paid off. Please post this complaint as unresolved.
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.
The reason I am not accepting Navient's "offer" is because according to the Revdex.com, I have 5 days to respond to Navient's response. Navient has failed to respond electronically & according to what I am reading here, has sent their response via snail mail. They have my phone #, and they have my email address as well as the ability to post messages for me on my Navient account on their website. Not sure why they chose the slowest method possible- aside from assuming it's pretty much their M.O. to do things incorrectly, as well as inconveniently (for me). Because I do not believe that I will have received their response within 5 days & they have chosen to utilize the slowest method of communication (knowing there is a deadline), then I'm going to have to decline their response. For future reference,mthey are welcome to communicate with me via email- which I have requested in the last- due to to fact that they are so incredibly inept in their ability to process my payments & therefore I would prefer to keep all communication from here out with the company in writing.
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 want them to update my credit report showing as paid and not to show as a charge off in August 2016 or the next step will be to contact a lawyer and file a suit with the Fair Credit Report Agency.
Regards,
[redacted]
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.
Regards,
Revdex.com:
150%; font-family: Verdana; font-size: 10pt;">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,
A representative from the Office of Customer Advocate contacted the customer by telephone on January 28, 2015...
and resolved the issue with the customer.
A
representative from the Office of Customer Advocate contacted the customer by
telephone on...
February 9, 2016 and we are working with
the customer directly to resolve the issue.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. The representative informed that it is the 3 credit bureaus and not Navient who have reported my payment history as missing. The representative assured me that Navient has provided the credit bureaus with my information and that there is nothing more that can be done on their end. Navient suggests I contact the 3 credit bureaus directly to correct this information, which I have already done.
Regards,
Thank you for
your message. In the...
interest of protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on March 19, 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.
roblem:
This is the 2nd time I've filed a complaint with the Revdex.com on Navient. They have started their numerous phone calls again. They contact both my dad and me several times an hour from different locations across the US. Some of the calls will hang up without leaving a message and others leave a message. The calls begin as early as 8:00 a.m. and stop as late as 7:00 or 8:00 p.m. seven days a week. We have asked them to limit their calls to a one or two per day and only a few per week.
Translate
Desired Resolution / Outcome
Desired Resolution:
Other (requires explanation)
select
Desired Outcome:
I am requiring no more than 2 calls per week. I KNOW that payments are due and they are getting paid. I am also requiring that if they continue making several phone calls per hour they credit my account $25 per extra call if more than 2 per week.
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.
They are unwilling to work with me, and told me point blank that they don't care if I'm put out by their 8:50 pm calls (Central standard time) but that they will continue to call me whenever they feel like it and that my only options are to A) pay them money that I don't have or B) pay $50 every three months to keep it in forbearance, something else that I can't afford, and in the mean time, they will continue to harass me. I just simply want them to quit calling me so late at night, that is my only request and they flat out refuse to do anything about it.
Regards,
mso-hansi-theme-font: minor-latin;">A representative
from the Office of Customer Advocate contacted the customer by telephone
on September 16, 2016 and resolved the
issue with the customer.
I have continually had payments I have made misapplied to loans. I have four student loans with Navient, but only have to pay two of them currently. They constantly apply my payment, (disregarding their official monthly statement) to all four instead of the two I'm being billed for. Thus on my account it shows that I have delinquent payments. It takes calling customer service and talking to a minimum of three different people, each time to get this resolved. They sure like playing around with your money however they feel like. It took two weeks the last time to get my payment reapplied correctly, all while it was negatively affecting my credit score. My recommendation is to refinance privately and walk away from this incompetency. You will lose more money and time with Navient that through someone else.
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 not still received the documentation that was promised to resolve this matter yet. Navient needs to comply with what has been promised prior to closing any case.
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 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.
Complaint Type:
Billing or Collection Issues
select
Problem:
This is not the first Revdex.com complaint I have filed with Navient. I filed a compliant a few months back and was not satisfied with my resolution. The previous complaint was (Complaint ID # [redacted]- Navient.) It pertains to the same problems arising in this new complaint. Clearly there is a lack of Compliance and Regulatory control within Navient. I will preface this complaint explaining I work for a financial institutions collection compliance department and am well versed on collection and regulatory laws!! On 11/2/15 at 7;30 AM central time, I made a online payment to Navient for $583.57 with the confirmation number 49516938C. I received an inbound call from Navient at 8:04 AM where I gave the representative my information and the confirmation of the payment amount as well as the confirmation number. Next I received a missed call from Navient at 10:06 AM. Another missed call from Navient at 10:15 AM. I responded to the missed calls at 11:15 AM by calling Navient and giving the same information I did with the first representative that morning. On 11/3/15 at 8:32 AM I received a call from Navient and explained for the 3rd time the same information pertaining to the online payment. At 9:13 AM I received a missed call from Navient. At 10:30 AM I received another missed call from Navient. At 11:37 AM I called Navient and spoke with another representative and explained the same payment and confirmation information. My co- signers have been getting just as many calls as I have. I stated previously, this is not the first complaint I have filed about the volume of calls! I know the auto dialer cant possibly be set to call that amount of times within a two(2) day period. Also, representatives can clearly see when my account populates on their screen the previous notes of me talking to Navient! Surely Navient is well aware of TCPA laws. The CFPB and my Attorney will be the next people contacted and in communication with Navient if a monetary settlement is not reached. I will have my Attorney subpoena the (call recording history) between me and Navient which is quite lengthy!
Translate
Desired Resolution / Outcome
Desired Resolution:
Other (requires explanation)
select
Desired Outcome:
I want a Cease and Desist on all collection communication efforts from Navient. My co-signers request the same! My desired settlement is monetary. If a monetary settlement is not reached a lawsuit will be the next step and communication will than be held by my attorney
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 19, 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 received a letter from Navient on November 29,2016. Upon review of the letter,I noticed that the agreed upon amount to be paid by auto-pay on the 19th of every month was incorrect. It stated that $78.98 would be deducted from my account on December 4,2016. I had specifically set the payment of $64.00 up on the 19th of every month, as that is when I will have money in my account. It gave me the name, number, and extension of someone from the customer advocacy board whom I could reach directly. When I called the number, however, it sent me to a direct representative line and did not give me the ability to enter the extension of the contact person. The first person I spoke to told me she could put in a request to change my due date, but that it would not take effect until January of 2017 and that the payment of $64.00 will come out on the 4th of December, 2016. She could not tell me where the balance of $78.98 came from, as she did not have that amount in her system. When I explained my situation and the payment agreement for the 19th of every month, she directed me to someone else. In all, my phone call lasted one hour and 5 minutes. The fourth, and final, person I was transferred to stated he was with the billing department and could not request a change in my due date, and he would have to transfer me back to customer service. I was told if I cancelled the auto-payment, that the balance that was brought current on 11/19/16 by a payment of $64.00 would be retracted back to the 6 months of payments that Navient is saying I was notified of and that I would have a balance due of several hundred dollars. Yet again, another bullying tactic used by Navient. Apparently the payment agreement I arranged for the 19th of every month was only for November and Navient had the right to move my due date. Due to my financial situation, had I been aware of this I would have set it for the 19th of every month, assuming that's what I had done when I made the agreement on November 8th. I was given the option to leave a message for the person assigned to my case, but declined and instead opted to try and reach her tomorrow. This is extremely tiring as I had just gone in circles with 4 different people for over an hour, each who told me something different. In addition to the inaccuracy of the amount and due date, the letter stated that my main complaint was repeated phone calls. That is also incorrect. The initial complaint was due to horrific customer service that I experienced over a period of weeks. Navient stated that the automated calls would stop once contact was made for the day, but that is not true. I answered the phone calls from Navient several times a day. Every time I pressed to speak to a representative, and every time the phone disconnected. The experience I had with a representative on November 8th was the reason for my complaint, not the phone calls, although those were an annoyance as well. There is no other word to describe my overall experience with Navient other than horrific. Their attempt at a response was just another let down from a company who uses bullying tactics to get over-payments. Also, when I attempted to call today the automated system stated I had a balance of $9 due on Dec. 1,2016. No one could explain that amount to me either. I am so exhausted from going round and round with this company.
Regards,
[redacted]
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 sorry when I received the email on the 17th of February, I was trying to respond to it but I could not write anything at the time it would not allow it. But since I file the complaint . I have received a call from the company which had still not responded to my request for an accounting of payments. I did received a copy of loan which of course was a promise to pay and as the co-signer. I found out that the loan had been splint up and the payment plan agreement was only being paid on a federal loan that I was not aware of. I have spoken to Mr. Brown on this matter as he has attempted to pay this loan back since 2007. I talk to one of representative at the company who had basically threaten me and has continue to harass me from 8am to 10pm. Now they are calling me at work. They still are saying that there is no payment plan set to collect payment which I know has already started again. Please I need some assist with this matter.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10770976, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.They finally contacted us after you contacted them, but they have not given us any answer and definitely haven't allocated the payments we made to our loans. Nothing has been resolved at all. Quite opposite, the inaccurate loan is still accruing interest. It is clear to us, that they allocated our payment to a loan that had already been paid off. They keep saying they will look into things, but nothing is happening. It is unbelievable of them to say that they are working with us to resolve the issue. Yes, they assigned it to someone named Justin, but unfortunately nothing has happened. We also paid off the remaining real balance of a little over $700 to see/show how this would be allocated, and again, some of the money was allocated to the loan that had already been paid off!!
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 business continues its trend of dishonesty and broken promises. In addition, my inquiry with my bank proved that the supposed communication by Navient is not truthful. Nor has the referenced bank account ever been closed. The document(s) supposedly sent by Navient via US mail has not been received in a timely manner nor is it expected. This dishonest organization is under nationwide criticism of many other loan recipients as is the case with my complaint about this company. This company has made no attempt to correct their malicious conduct in this matter and has not called or mail the documents the company claims to have mailed. Furthermore, any such documents would not do anything to reverse any damage to my credit profile already done. Additionally, the company has not posted a mailed on 11/11/2015 payment that would bring my account current per their malicious conduct. The company has followed their trend of dishonesty by offering me a payment option spanning 10 years for an account balance that is nearly paid off. Please post this complaint as unresolved.
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.
The reason I am not accepting Navient's "offer" is because according to the Revdex.com, I have 5 days to respond to Navient's response. Navient has failed to respond electronically & according to what I am reading here, has sent their response via snail mail. They have my phone #, and they have my email address as well as the ability to post messages for me on my Navient account on their website. Not sure why they chose the slowest method possible- aside from assuming it's pretty much their M.O. to do things incorrectly, as well as inconveniently (for me). Because I do not believe that I will have received their response within 5 days & they have chosen to utilize the slowest method of communication (knowing there is a deadline), then I'm going to have to decline their response. For future reference,mthey are welcome to communicate with me via email- which I have requested in the last- due to to fact that they are so incredibly inept in their ability to process my payments & therefore I would prefer to keep all communication from here out with the company in writing.
Regards,
[redacted]