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 company made a mistake by informing me of the "good to go" status on my account for cosigner release. 2 weeks later, things have changed and the company admits fault on their part. Now because I was given wrong information by a customer service representative, I am not going to be compensated or taken care of? This does not show care for their customers. I also had to call the person that contacted me 4 times in order for her to give me a full response. Left her a voicemail, she left me a message, then I proceeded to leave 3 more voicemails over a 1-week span and 2 separate emails. The final email got her attention because I feel she did not want to discuss it over the phone. When somebody is not willing to discuss something over the phone when it is such a serious matter, that shows lack of character in management and shows that maybe the person does not believe in this policy because 1 day late should not make me have to start something over. I guess a student loan company should work with their customers to get their thousands of dollars from a customer who has been on time for such a long period of time before Sallie Mae transitioned me over to Navient. Sallie Mae had incredible customer service and always took care of matters quickly and efficiently without misleading me. If there was ever an issue, the company always talked to me, discussed options and never said that 1 day late would cause an issue. When there are personal matters to account for, policies need to be reexamined, especially when I was going through an incredible amount of stress at that time and was 1 day late!!! I am not happy and neither is the person who is my cosigner. I made a mistake I admit, but being 1 day late on a payment should not affect somebody this greatly.
Regards,
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on April 13, 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 October 31, 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 March 8, 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 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 was contacted December 6th by a Navient representative who asked me to remove my complaint from the Revdex.com while Navient would have to take 4 to 6 weeks to correct incorrect reporting on my credit reports. I clarified I was the last attempt I had made to resolve this directly with Navient where the last representative stated (prior to contacting the Revdex.com) my credit report would be amended within one to two business days did not provide a resolution and I would not be removing my complaint in good faith. My final attempt to work directly with Navient lead to Navient selling a settled loan to a different collection agency where an agent named Al Cheever with the fax number 791-681-4379 told me that I had a debt in my name alone to settle with his agency. I was the cosigner of this loan, our divorce decree clarified I would not be liable for this loan, the original signer died from a military related illness and Navient has yet to close this settled debt. I have absolutely no good faith in Navient to follow through with settling this debt as they are legally binded to and should have never had this many direct problems with Navient to begin with.
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 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.
I still do not have online access to my account, I have no way to view what they are doing with the money I send in, or if they are adding fees that I am unaware of. I do not have this online access due to the fact that I filed for bankruptcy protection in the past and this business is harassing and discriminating against me due to that.
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 February 3, 2015. 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.
Why am I to wait for Navient to close this issue? Navient CHOSE to not follow the law and on a private student loan, they started a garnishment process without me getting served properly first, allowing me to contact the sheriffs, the courts or explore options as to the severity of how much they garnish. I know what they are doing is illegal and while I will take their response to the proper legal channels, they are purposely breaking the law and I am supposed to wait? At the very minimum, I would have expected to have heard from my payroll department that Navient will stop the garnishment, allowing me the proper recourse I am allowed legally. But, if they chose to continue, they are giving me more reason to fight back legally in court. I am shocked they are allowing this to continue right now
Regards,
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10846803, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Problem:
I have already filed this complaint. I received a response from you on October 13, 2015 and this case was closed on 11-23-15. I am not please with how Navient wants to settle the case. Navient has offered solutions that would put me in more debt and/or does not address my problem. The options they gave me are, Deferment, Forbearance or Consolidation. When I started teaching in Delaware over 15 years ago, their pitch was that working in a Title 1 School would qualify me to apply for a small teacher forgiveness loan after investing 5 consecutive years. I invested over 15 years in Title 1 schools. It wasn't until I received the forgiveness application that they exposed the factor that to be eligible for TLF a customer cannot have had a balance on a Federal Direct Student Loan as of October 1, 1998. Navient was mis-leading and that stipulation is inequitable and age discriminative. To not have a loan prior to Oct 1, 1998 means that one would have to be no more than about twenty years old.
Translate
Desired Resolution / Outcome
Desired Resolution:
Other (requires explanation)
select
Desired Outcome:
To be awarded a $5000.00 loan forgiveness towards my balance on the loan.
Translate
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.
While they waived the $.69 of interest accrued after I made my final payment, they have not addressed the systemic issues of not providing payoff information or access on their website. We can expect this problem to recur for all other customers as well.
Regards,
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on April 3, 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 9, 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 23, 2016. Please allow sufficient time for
postal delivery. We will continue to work directly with the customer to resolve the issue.
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 did not receive letter that they claimed was sent on May 01, 2015. I was told by Ms. [redacted] that they would honor contract made with FMS and would put it in writing and send to me. As of May 09, 2015. I have not received it.
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on May 13, 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 November 20, 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.
My complaint has not been resolved , but put on hold. The representative from NAVIENT contacted me and said that she absolutely cannot help me but offer the same rate of $140 to pay per month -- irrespective of my current health or employment status. I am attaching my md note to this email.
There is a new detail to the case, as NAVIENt reported my case to a higher standing agency, despite my faithful payments of $50 each month. Now my credit score went down from 700 to 600. I am absolutely shocked by this, and request for this craziness to stop.
Please help!
protecting the privacy of our customers,
the Office of the Customer Advocate responded directly to the customer via US
Postal Service on April 8, 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 company made a mistake by informing me of the "good to go" status on my account for cosigner release. 2 weeks later, things have changed and the company admits fault on their part. Now because I was given wrong information by a customer service representative, I am not going to be compensated or taken care of? This does not show care for their customers. I also had to call the person that contacted me 4 times in order for her to give me a full response. Left her a voicemail, she left me a message, then I proceeded to leave 3 more voicemails over a 1-week span and 2 separate emails. The final email got her attention because I feel she did not want to discuss it over the phone. When somebody is not willing to discuss something over the phone when it is such a serious matter, that shows lack of character in management and shows that maybe the person does not believe in this policy because 1 day late should not make me have to start something over. I guess a student loan company should work with their customers to get their thousands of dollars from a customer who has been on time for such a long period of time before Sallie Mae transitioned me over to Navient. Sallie Mae had incredible customer service and always took care of matters quickly and efficiently without misleading me. If there was ever an issue, the company always talked to me, discussed options and never said that 1 day late would cause an issue. When there are personal matters to account for, policies need to be reexamined, especially when I was going through an incredible amount of stress at that time and was 1 day late!!! I am not happy and neither is the person who is my cosigner. I made a mistake I admit, but being 1 day late on a payment should not affect somebody this greatly.
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 13, 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 October 31, 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 March 8, 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 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 was contacted December 6th by a Navient representative who asked me to remove my complaint from the Revdex.com while Navient would have to take 4 to 6 weeks to correct incorrect reporting on my credit reports. I clarified I was the last attempt I had made to resolve this directly with Navient where the last representative stated (prior to contacting the Revdex.com) my credit report would be amended within one to two business days did not provide a resolution and I would not be removing my complaint in good faith. My final attempt to work directly with Navient lead to Navient selling a settled loan to a different collection agency where an agent named Al Cheever with the fax number 791-681-4379 told me that I had a debt in my name alone to settle with his agency. I was the cosigner of this loan, our divorce decree clarified I would not be liable for this loan, the original signer died from a military related illness and Navient has yet to close this settled debt. I have absolutely no good faith in Navient to follow through with settling this debt as they are legally binded to and should have never had this many direct problems with Navient to begin with.
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 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.
I still do not have online access to my account, I have no way to view what they are doing with the money I send in, or if they are adding fees that I am unaware of. I do not have this online access due to the fact that I filed for bankruptcy protection in the past and this business is harassing and discriminating against me due to that.
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 February 3, 2015. 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.
Why am I to wait for Navient to close this issue? Navient CHOSE to not follow the law and on a private student loan, they started a garnishment process without me getting served properly first, allowing me to contact the sheriffs, the courts or explore options as to the severity of how much they garnish. I know what they are doing is illegal and while I will take their response to the proper legal channels, they are purposely breaking the law and I am supposed to wait? At the very minimum, I would have expected to have heard from my payroll department that Navient will stop the garnishment, allowing me the proper recourse I am allowed legally. But, if they chose to continue, they are giving me more reason to fight back legally in court. I am shocked they are allowing this to continue right now
Regards,
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10846803, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Problem:
I have already filed this complaint. I received a response from you on October 13, 2015 and this case was closed on 11-23-15. I am not please with how Navient wants to settle the case. Navient has offered solutions that would put me in more debt and/or does not address my problem. The options they gave me are, Deferment, Forbearance or Consolidation. When I started teaching in Delaware over 15 years ago, their pitch was that working in a Title 1 School would qualify me to apply for a small teacher forgiveness loan after investing 5 consecutive years. I invested over 15 years in Title 1 schools. It wasn't until I received the forgiveness application that they exposed the factor that to be eligible for TLF a customer cannot have had a balance on a Federal Direct Student Loan as of October 1, 1998. Navient was mis-leading and that stipulation is inequitable and age discriminative. To not have a loan prior to Oct 1, 1998 means that one would have to be no more than about twenty years old.
Translate
Desired Resolution / Outcome
Desired Resolution:
Other (requires explanation)
select
Desired Outcome:
To be awarded a $5000.00 loan forgiveness towards my balance on the loan.
Translate
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.
While they waived the $.69 of interest accrued after I made my final payment, they have not addressed the systemic issues of not providing payoff information or access on their website. We can expect this problem to recur for all other customers as well.
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 3, 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 9, 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 23, 2016. Please allow sufficient time for
postal delivery. We will continue to work directly with the customer to resolve the issue.
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 did not receive letter that they claimed was sent on May 01, 2015. I was told by Ms. [redacted] that they would honor contract made with FMS and would put it in writing and send to me. As of May 09, 2015. I have not received it.
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 13, 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 November 20, 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.
My complaint has not been resolved , but put on hold. The representative from NAVIENT contacted me and said that she absolutely cannot help me but offer the same rate of $140 to pay per month -- irrespective of my current health or employment status. I am attaching my md note to this email.
There is a new detail to the case, as NAVIENt reported my case to a higher standing agency, despite my faithful payments of $50 each month. Now my credit score went down from 700 to 600. I am absolutely shocked by this, and request for this craziness to stop.
Please help!
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 8, 2015. Please allow sufficient time for postal
delivery.