Consumer Complaints and Reviews
I am incredibly frustrated and disappointed with the customer service at Navient. I never write reviews, but I felt in this case, it is warranted. Halfway through my school year in 2014 in California, my loan servicing company switched from Sallie Mae to Navient without my consent (I feel as if we should have a say in this?). Since I had already accrued 40K of loans in one year in the states, my Swiss husband and I decided to finish the rest of my master's degree in Switzerland, since it is only 867.00 a semester (amazing, right? That's how it should be...).
However, I have sent in a deferment request MULTIPLE times and receive a robotic response back, either by email or phone. 'You must submit a valid school code.' Um, OK. Switzerland doesn't have a valid school code because it is an INTERNATIONAL school. My counselor stated this in the letter he sent (twice, in two different letters) to their office. Suddenly, they've changed my account status and now it reads that I owe 460 dollars due in three weeks.
I am still in school, and without a job. We can barely afford food, let alone another 460 dollar bill! I have asked my counselor for two personalized letters to prove that I attend the university and yet I am sure Navient NEVER reads the full letter. All I get back are robotic responses, even though we have fulfilled the criteria listed on the deferment form. I call them and they say they will 'send in an inquiry,' but that never resolves anything either. The customer service department never seems to know what the heck is going on, either, and this frightens me, as I am sure my 40K loan will take a very long time to pay off and I will have to deal with the company for many years to come.
For goodness' sake, Navient needs to get a handle on their business. I find it mind-boggling that a company handling such large sums of money conducts itself with such blind recklessness. It is really a shame that we are thrown under Navient's rule without a say, and I feel for all of the comments below me, as many are in much dire situations than I am. I would have been in much better shape acquiring a loan from a private lender from my existing bank. I regret not researching other options when I decided to take out loans in the first place. I hope for all of us that Navient wakes up and listens to its customers, whether it be email, phone, or mail. These are our lives. We are incredibly grateful to have had the opportunity to go to school and we thank you for that, but please, please, wake up and pay attention.
My husband is paying his student loans using the employment based deferral plan. He was doing a regular payment of $25 and had authorized Navient to make automatic withdrawals for that amount. However since August 2016 the company took out unauthorized payments amounting to $500, $250, $500 and again $250 over a two month period. All complaints have fallen to deaf ears. They have the ** customer service. My husband has filed a small claims with the district court. You can also request a relief from Court costs. He followed this with a complaint on the consumer finance website under the Student Loan section. Here is the link http://www.consumerfinance.gov/complaint/. I encourage people on this website to follow suit. You can't let companies like this get away with this **. Please do your part towards getting justice. Thanks.
I have gone back to school later in life and I am still working towards my goals to achieve a higher pay level in my work. I was told because of my current age, I am in high debt collection. Navient is calling persons not on my loan for collection. Navient is threatening me. Navient is calling me multiple times daily. Navient is not recognizing I have full time status for college and that I am under Federal allowable time to be in college for full time status. I believe in our Federal System and I believe this Navient collection system is error and will not work with the working population to be able to satisfy college achievements, working achievements, and responsibilities by the way Navient ignores the Federal Laws they represent.
This place is unreal. They are nothing but crooks and thieves and it is embarrassing to be hooked by them. I woke up one day and Sallie Mae was gone and Navient had appeared. Instead of having my information automatically switched over, I had to re-enter it. I messed up on my bank account information and put one number wrong on the account #. Any normal, well run business will obviously not run my bank number because it's incorrect. I should have gotten an error message. Instead, they accepted the bank information and for three months I could not figure out why my payments weren't going through.
After those three months I called and they said I was locked out of my account. I said ok, well this is obviously just an error in my bank information, considering I haven't missed a payment in 10 years how about we just clear the whole thing up and take away any fees or penalties. Nope. They kept me locked out except for phone access for six months and did not rescind or change any penalties.
I have NEVER in my life had problems with my student loans until Navient took over my Sallie Mae loans. I have been trying, unsuccessfully, since last February to get an IBR due to unemployment. My loan came out of forbearance in Feb., and I filled out all of the papers for the IBR and mailed them in. I did not hear anything for 2 months and figured all was well. In May, I received my first bill. I called them right away, asked them why I did not get the IBR. Navient said they NEVER received it. I faxed the papers this time. 6 TIMES!! They state they never received it. I end up faxing the paperwork while I have a supervisor on the phone with me. They finally receive it. She tells me that I left off the last page of my tax forms. I send it again!! She says they received everything and the IBR is processing.
2 weeks later I get a call from them. New customer rep says the form I printed out (from their website) was outdated and needed to be the newest edition from last 6 months. How can the paperwork be outdated if I got it from their website? So now they want me to cross out old date and re-date paperwork and refax. So I did that. I got the customer service rep's # and his name. He tells me everything is processing and I will be getting an answer soon. Now they are calling me three times a day to ask me how they can help me with my loans since I'm late with my first payment. Say what?
I ask them if they read the notes on my account so that we are all on the same page and rep says they keep no notes on account! WTH?? How is it possible that they are still in business? I'd rather marry Satan than deal with this place any longer. I kid you not dealing with this place is making me rage. The reps barely speak English as well. So basically Navient scams people, lies to you, gives you the runaround, doesn't keep records of ANY KIND, and harasses you all day, every day. And yet the government does nothing. No one is investigating this sham operation? Of course not.
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I have over half a dozen different student loans. Up until recently, four of them were with Navient. However, two of my loans were recently transferred from another lender (National Education). I had applied for renewal of my Income-Based-Repayment to my first lender shortly before my loans were transferred. Navient never contacted me about the IBR application, and instead took money out of my bank account at an unadjusted rate, resulting in nearly $400 of extra payment each month for which I had not budgeted.
When I called Navient to ask what had happened, they claimed to have never received the IBR application from the first lender. They told me half of my loans from the first lender were in IBR, but the other half were not anymore, and I would need to reapply directly to them. So I did. When I called back to expedite the application (as I had been told to do), I was told by a different representative that in fact *none* of my loans from the previous lender had been placed in IBR, whereas they had previously told me half of them were.
Realizing that these people didn't know which end was up, I called National Education to inquire about the original IBR application. After all, Navient claimed National Education had never sent it to them. SOMEBODY owes me nearly $800 due to this mess, and I wanted to know who. National Education assured me that the IBR application had been electronically transferred to Navient with all the rest of my loan paperwork. Which means that Navient either lost or deliberately misplaced my IBR application, thereby charging me an extra $400 in September and AGAIN in October.
When I finally received notification over the weekend that everything had been correctly processed into IBR, they also notified me that my request to withdraw from AutoPay had been processed. Except I never requested to withdraw from AutoPay. Staying in that program reduces my interest rate - why would I leave? When I called them to ask what the heck had happened, I was told they had taken me out so that my old Navient plus new Navient (old National Education) loans would not all process at the same time. Seriously?! Ask me first, you jerks! Don't presume you know what's best for me and then try to claim I asked for it afterwards!
I'm fortunate. I have a decently well-paying job, as does my spouse. We had enough money in savings that being robbed of nearly $400 in Sept. and again in October didn't cause us to miss a mortgage payment or a car payment. But if Navient is doing this routinely, they could cause people to lose their cars, or their homes. This is NOT acceptable and given the shady stories the reps are giving me over the phone, I am convinced they did this on purpose. I have had other loans transferred to other lenders, and nobody else has screwed up my IBR like this. I'm *still* waiting to hear back about the money I'm owed. This is BS.
Navient should be listening to their phone calls because they have rude employees. I received the answer, "That's not us," twice today followed with being hung up on. I called the two phone numbers on the two letters I received last week... but none of them can transfer me to the income based driven "Navient" number I needed to see if my application had been processed because I was told with the financial information given, once sent in my loans would be on hold for a year except the ones my two cosigners are already paying on. The first guy said, "Tell your cosigner to call us. We have some programs that may help him". I replied, "You've already told my father (we both received ups letters saying Navient would be taking us to court to take payment) they would be taking his 401k in Maine or his house if he didn't start paying".
I told the gentlemen that and asked if he had been making the payments, Correct? Yet he just said in his laid back don't give a crap I'm here for a paycheck attitude, "Tell him to call us". Frustrated that he would not give me an answer I said well hopefully trump or the president helps people like my family b/c my parents are both paying and my 5 year old suffers the most from this. I live in a basement and have made less than $10,000 this year. (BECAUSE I HAVE A CHILD AND CHILDCARE COSTS SO MUCH. I CAN ONLY WORK AROUND HER SCHOOL SCHEDULE AND THE HELP OF HER GRANDPARENTS, HER FATHER WORKS FULL TIME.) The employee felt the need to laugh and say trump has nothing to do with this phone call... What a rude jerk to laugh when student loan debt is tremendous in the billions. I wake up and I'm $15 in debt more with Navient.
I took out $60,000 starting in 2005 now I'm up to $105,000. That was just for 1 1/2 yrs in state and one associate's degree for $40,000 out of state. I finished the rest of college on my own paying as I went on a then $22,000 income and tax refund money. If Navient thinks I'll pick up phone calls from their rude inconsiderate employees who don't take their job seriously or understand the stress and financial burden student loans have caused they should not be there. I've asked many of their employees if they have student loans and they say no. They don't get it. They don't understand how is hurts our families, prevents us from buying a house or even groceries.
The second idiot I talked to I said right away, "Before I give you my information, is this the right number for the income driven payment plan?" He replied, "Not our department?" I said, "Well can you transfer me?" He said again, "Not our department." I said, "Well I just called a different Navient number and that wasn't it either, can you transfer me? How many different Navients are there?" And he said one last time, "Not out department," and hung up on me. The first phone number 1-855-211-0620, the second was 1-800-722-1300 both made around 915 am. Just dropped my daughter off to school, in a great mood but Navient employees ruin it like always.
If you want my money Navient process my income driven information faster than 3 weeks later and hire more employee like the gentlemen that told me all about the income driven information by apologizing to me, being considerate of my feelings and trying to solve the problem. He asked for my financial information and wanted to help. Any employee hired by Navient needs to toughen up their skin and learn the words "I'm sorry I'd like to help you". When a customer says I've gotten 35,000 in interest just say those simple words help us, do your job. If Navient is telling their employees if the customer on the phone is rude hang up... well Navient you wonder why you're not receiving any money because they do not care about each of their individual customers especially ones with children.
The president or someone will have to intervene with the student loan debt because it's sick what companies like Navient are doing... Sending letters out everyday, I get at least 5 a week stating how they want to help please call us, thank you but when you get one of their employees on the phone they hate their jobs and are unprofessional. PASS THE BUCK if you cannot handle a caller and apologize and tell usyou'd like to help. Disgrace of a company Navient is. Hopefully they sell my loans and I get a new company that hires better employees then previous Mcdonald employees. Burger King employees are more professional then Navient employees.
I had $7000.00 loan here or rather SM. I graduated in 2009 and started paying $83.00 monthly plus larger sums very often!!! My balance today is 6700.00!!! I inquired about the impossibility of my debt being that much after years of paying SM and Navient!!! I have paid $4000.00 but nothing on PRINCIPAL except $300.00!!! I hate to give them another dime. But they assured me that they would be reporting any missed payments to Credit Bureau and I DECIDED to pay! 8 more years debt will be paid in full. Liars... greedy... cruelly unjust with interest rates that are MAFIA type!!!
I never chose this company; my lender was changed and I had no choice in the matter. These people are awful! My loan was in good standing and I was making payments in full and on time. My co-signer passed away and they took the ENTIRE amount left on the loan from the estate. The people who could have received this money from the estate (who had nothing to do with my loan whatsoever) did not receive it. I called to reason with them and I was given the runaround before they finally admitted that I had no other option - if the money was in the estate, they were taking it. While this is legal, there are other loan companies that will release the deceased co-signer if the loan is in good standing, or give you other options. Navient gave me NO options. PLEASE, for your own good, go elsewhere for a loan. DO NOT get a loan from these greedy, inflexible people.
In 2011 my mom and I took out a 15000 dollar loan from Sallie Mae for college. I did not use the full loan and used about $13500 of it. I already had a huge amount of student loan debt through a different company (which was not giving out student loans that year) since this was the end of my 4 years of college. While in school they required us to make monthly payments of $25 of interest, paying almost $1000 in interest before I began paying on my loan after graduating in 2012.
After graduating and deferring for 6 month I owed sallie mae $16500. Last year my loan was switched over to Navient. When this happened my interest rate went up to over 10% without being notified and my payments went up. I've called them several times to discuss lower payments, deferring my loans and why my interest rate is so high. They continuously say that I agreed that I would and could make these payments after I graduated or I get an automated voice that is no help. My payoff date is 2027. I've been paying on this loan since I graduated, even making extra payments, and still have not reached the original principal of 15000, due to accruing $2000+ of interest in the small amount of time between getting the loan and beginning my payments. Along with the interest I accrue between payments. By the time I pay this loan off, I'll be paying more in interest than my original principal.
They also call you all times of the day and weekends and when you call back they tell you that you owe money and that you have to make the payment now or they will send you to a different department. I would never suggest getting a loan through this company. They do not work with you and there's lack of communication by a real person. I've tried consolidating my loans and remove this loan from Navient but because they are a private loan many companies will not allow me to consolidate with my other loans. So pretty much they scam you by high interest rates and get away with it, all because I wanted a high education so I could be successful and lead a normal life.
Be very careful with these people. I found a student loan on my credit report. When I called to talk to them about it, they said I had signed electronically. I asked them to email the note and application form that I had filled out. I was told that they had to mail it out because they are not allowed to email it. How odd is that? They claimed they accepted my signature electronically. A double standard. They seemed to care very little about solving this problem. The fraud rep I spoke with gave me erroneous SS# and date of birth. They act like they just don't care.
Where do I start with this scam of a place Navient!! Well first off I do not have student loan debt and this company continues to call and harass me about my fiancé student loans. I know he has been paying them yet this company wants more! I finally had enough of this harassment! I called and told Mr. Tim ** to stop calling my personal and my parents who are not on the debit and informed him that it is illegal to do so! He was awful to me but I held my ground. I called and called Navient and complained giving them the hard time they give me and my fiancé. When these awful customer service people would hang up since I was not very pleasant I would call them right back! I asked to speak with someone of higher management they gave me a name Bruce! Well Bruce with Navient and Tim ** I will be filing suit with customer financial protection bureau!
Also will hire a lawyer and expose you for the lying cheaters you are! I will call and harass you everyday. Which I have been and trust me they do not like it. I will fight the company because if we do not who will! This company needs to be closed. Everyone please if you are having issues don't let them win! Start by filing with the customer financial protection bureau. I am also putting together other complaints and information to send to senators like US senator Elizabeth Warren who had been speaking out against Navient. We need to pull together and show Navient that they cannot take advantage of us and the people we love. We can be heard and make a difference. I will not stop until justice is served!
I have had surgery more than 5 times since I left college. My college closed not even 2 weeks after I left. To top the off I'm considered disabled and Navient continue to harass me and not follow thru with sending out. No payment paperwork. It's very frustrating. Since Sallie Mae changed to Navient the service has gotten worse. Plus they only accept online payments or checks. I have had credit cards stolen more than once and don't write checks.
The place doesn't follow laws and regulations and then they claim that there needs to be a conversation about my being disabled. They need proof. Then they put my loan on hold 3 months then they turn it back on and put me in delinquency saying I'm not paying it. Claiming they never received papers from me. They never sent!! It should be against the law what they are doing.
Navient is a horrible student loan company when trying to pay back loans from school. They will not work with you and tell you have exhausted all options just to pay them back. I'm in a financial hole right now and I wasn't able to pay them in three months. They have sent me emails to call them so I can work something out. When I finally spoke to someone she told me the only thing that I can do is to submit my pay stubs and they will calculate how much I can pay back and set up an automatic withdrawal from my bank.
No no no. I do not trust this company. They're fraud. I borrowed 2,987 in 2006. With my loans being in school deferment and forbearance I owe them 10300 in 2016. And my monthly payments is 135.00 a month and the last payment will be in 2029. If you do the calculation they're going to get 33,000 dollars out of me and 30,000 is interest and I only borrowed about 3,000. They're crooks and they work nothing out with you. I'll be paying them until I turn over in my grave.
I had requested that they stop auto pay out of my account since my work has been erratic lately, but they did it anyway and overdrafted my bank account. The representative was rude, and did not listen to my request. These customer service people are so irritating when you tell them the situation and then they say "I see you are behind on payments", REALLY? NO **, I JUST told you that's why I was calling and that I cannot have the auto deduct feature! He talked over me when I was explaining that I had called last month to request no auto deduct.
Why ask if you'll not going to answer. I have been calling for the last past year to let Navient know that I cannot pay because I'm not working and I'm on SSI. They keep telling me they're going to send paperwork to fill out but all I get is bills.
My wife's student loans are serviced by Navient. I always put a huge amount of money on the loans so they can be paid off faster. For one particular semester loan last month, I paid the loan down to zero. The online menu actually said there was a zero balance and nothing more was owed. A week later, there was a balance of $7.28 that was said to be still owed. Where did this come from? I don't understand how it was ZERO one day, and a week later we still owed more? Granted, $7 isn't a lot, but it's the point that this charge came from nowhere.
I was never happy with Navient anyway especially when they split from Sallie Mae. There were so many issues with passwords and usernames early on that it was maddening. Why does the Dept of Ed continue to allow a company like this to service its loans? It takes literally days to process a payment that was made online, yet when I go to make car or house payments with other banks, it's processed and updated within a couple of hours. I've never had to work with a company that tries to be so slow with things. If we weren't already pretty close to paying the loans off, I would definitely refinance them with a private company. There's no email contact either. I guess they don't want a paper trail in writing.
We set up a monthly withdrawal for student loans and this month they took out 3x the amount we agreed upon. Called them and all they said was they sent an email. They make an attempt and increase the agreed payment plan. Said they wouldn't give the money back unless we went negative. Did nothing to work with us. Now we don't have enough to last until next paycheck thanks to them. I wouldn't recommend this bank to anyone. There are plenty others that work with you and understand each individual's situation. Not everyone is the same. Very disappointed and frustrated.
https://www.consumeraffairs.com/finance/navient.html. The customer service at 877-713-3833 for private loans is a joke. The recording while I am on hold is unbelievable. They just look this short message about how calls will be answered shortly. Very annoying. The biggest problem with calling them is that they do not even give a hint as to how long the call will be on hold. HORRIBLE customer service. Unfortunately, I will have to deal with this joke of a customer service dept. for years since student loans last that long. I have been on hold for over 40 minutes now. Called earlier a few times, and I had to hang up after 20 minutes since I cannot wait on hold for that long since I am working and trying to make money to pay back this evil bank corp. I guess that since I have no choice who administers my student loans, and student loans are necessarily FOR LIFE, I will have to deal with this joke of a company for a long time.
I am trying to allocate an additional payment with Navient and finding it extremely difficult. First, the service person presents to not understand English well. Second, he has changed the amount of money owed on the account three times. Third, after going over the $500.00 he was supposed to allocate he couldn't tell me why there was a discrepancy, the numbers did not add up.
Navient has to be the worse loan servicer out there! I filled out all of my paperwork on time, mailed it in but for 4 months they said they never received it (even though their own website said they receive it & were reviewing the request). They stabbed me with a 110 day delinquency in the mean time which dropped my credit rating 120 pts!!! How could I make payments if I'm unemployed? They are ridiculous.
When I direct consolidated with another company, all of a sudden my account was in an income driven status & all the paperwork they denied they received 3 months ago was suddenly & suspiciously approved. They lie about EVERYTHING, they do not work with you; they do everything in their power to work AGAINST you!! I do not know whether I'm insulted or angry or a combination of both.
I wouldn't recommend them to anyone for a student loan. Their customer service is awful; they are rude & during one call I had a so-called service experience rep laughing at my financial situation. When I asked him what was so funny, he rudely replied "You & your accusations; It's not my fault you can't find a job. Go look for one!" I said "I'm a RN & I wouldn't dream of speaking to a patient the way you just spoke to me." He just continued to laugh & actually hung up on me after 50 MINUTES of getting absolutely nowhere. If I could I'd give them negative stars.
I have been dealing with Navient since they took over Sallie Mae. However, nothing has gotten better. I never get any closer to answered questions even when talking to supervisors, get hung up on and get nothing but attitude but I try to rectify a situation. When my mother tries to call, since she is the co-signer, they tell her they can't release any information to her even though I have faxed over documentation permitting them to do so.
I have also made payments and gotten my accounts up to date, log onto my account and what do you know it shows that I am over a month behind yet if you scroll a little farther down to my payment history it shows I made payments on all 6 loans. I also dislike the fact that when you explain to them you need to lower your payments because your situation changed, you give them your financial statement for the month and they tell you "well you're upside down" yeah because you all have made my payment 3/4 of my paychecks. What do you expect.
Then they proceed to tell you that if you lower your payment any further down you won't be making any progress in paying off your student loan. So when I break it down to them they get all snooty because they realize they are robbing people blind. Doesn't matter if my payment is $600.00 or $100.00 if you all are accruing over $2,000.00 of interest on my loans, there's no way I have even hit principal and I will never get them paid off. This company was trying to help out the borrowers when they bought Sallie Mae but they seem to be the same if not worse than them. Never and I mean Never borrow from them.
This student loan company is the worst. I cannot call them to ask them a question because my question is not on their menu. They are making it very hard to find out what documentation they want me to send them. In one e-mail it says they have received everything they need and yet I have no updates on my account.
Why do they have an automated question about paperwork when you call? Apparently, I'm not the only person that has submitted the same paperwork over and over and over. Is there someone who just throws out the faxes as the arrive? WTF???
I guess this is frustration therapy. Needed to vent somewhere and this seems to be a good place. Seems like all of the earlier reviewers have a very congruent and fair assessment of what dealing with Navient is like. I have spent the last four months trying to sort out an issue with my online payment... which is consistent across different computers, etc. Basically they acknowledge there is an error that gives me the message "an error occurred" when making a payment but they have been unable to sort it out. I don't have the strength to write anything more. But you can guess...
I am currently have some in school deferment with Navient AKA Sallie Mae but the problem is I cannot afford to attend school or pay my student loan. I have tried to work with Navient but my monthly loan amount is $2073.98. I am currently the only person working in the household. I am currently trying to sell our home but with house payment and apartment payment in another city it is impossible for me to pay. I had to travel to keep a job so I had to move 2000 miles away for my home. I am trying to sell our house now but I have to keep up with the mortgage payments until it sells. The town we moved to is very expensive so my apartment is more than what our house payment was. :( Some months I barely have enough to get groceries. I do however make good but by the time I pay, Mortgage, apartment, car, insurance, and groceries I have 60.00 left out of my check.
I have begged for help with Navient. They said I could pay 700.00 a month. If I could afford 700.00 a month that would pay for me to go to school to put Navient in deferment for 4 months. They call me 8-12 times a day, call my relatives. It is crazy I get letters saying they will help but the only help I get is 700.00 a month payment. I just cannot afford it. Some days when I go to work I take my own water and carrots to eat on because I cannot afford lunch. Sallie Mae even told me it would be better if I defaulted on my 300K loans. They could sell them for pennies on the dollar and I would have to work out payments with a debt collector. I am so stressed I don't know what to do. I have taken my kids out of school to homeschool them because of the expense. I am just lost.
My federal loans from CMU are directed through Navient. I am still in school but I got a letter about 7 months ago saying I was going to have to start paying in 6 months. I called immediately to let them know I am still in school and they "took care of it". I got a voicemail the other day to login to my account, so I did and it shows that I have a late payment due of $256.xx. I am ENROLLED FOR THIS FALL SEMESTER. This was supposed to be taken care of and now I have this issue and I know they are going to be rude because they always are. I am so furious that this has even happened to me when I was prompt with taking care of the issue when it came up 7 months ago.
I am not one to share experiences or post reviews, but I was compelled and determined to write a review against Navient/Sallie Mae. The automated phone service I just experienced was worthy enough to almost jump off a building. I called to simply change my address and it was just changing the apt number! I spent 5 times repeating my actual address over and over, before it hung up on me. Then I called back and the wait time was 1 min. before it hung up on me. Finally after repeating our address verbally, slowly and with patience... we FINALLY got our address changed. It is no surprise their overall rating on this site is 1 star. If I could provide NEGATIVE or ZERO I would be more than happy to.
Since Navient took over Sallie Mae loans, I have had nothing but trouble. According to Navient I owe 167,000.00 on student loans with a income based payment of 1224.56. I am a senior citizen with a monthly income of 1124.00 from social security. Deduct 775.00 for rent monthly, medication that costs about 150.00 per month, leaving me maybe 22.00 to tide me over until the next social security deposit. They say I'm not eligible for any type of hardship deferment because they were all utilized when I was with Sallie Mae. They continue to add interest and late fee. I filed bankruptcy last year and with the trustee, "his comment was that's enough for a new house." What other options do I have with these shysters, you never receive accurate information when you call and they constantly call harassing you about your payment. I'm at wits end, what can I do?
I have encountered so many issues with this company. My husband has three student loans that Navient received from Sallie Mae when the "split" occurred - one private loan, co-signed by my mom and two federal loans (one subsidized and one unsubsidized). When this happened we were in the middle of a Chapter 13 pay-off plan and had been paying Sallie Mae regularly through our Trustee.
We paid over $11,000 throughout this time period (The original loans had only been $9,000!). I thought that at the end of the bankruptcy in 2015, all three loans should have been paid off. That was not the case at all. Only the portion of the $11K paid to Sallie Mae BEFORE the "split" was applied and there is no record of the more than $7K that was sent to Sallie Mae AFTER the split in 2013 at either Navient or Sallie Mae (However, I have the actual check numbers of the payments made from the Trustee's office). This made the interest capitalize and Navient claims we owe them $18,000 on the three loans after interest and fees.I've submitted a dispute to Navient with the list of check numbers and amounts and have waited a few weeks and haven't heard anything back on this yet.
Navient started harassing my mom, the co-signer for the private loans, shortly after our Chapter 13 successfully ended at the end of last year. My husband, the actual loan holder, never received one phone call or letter. We started to pay off the loans $160 at a time, asking that a majority of our payment get applied to the "delinquent" private loan and the rest to the two federal loans.
The harassing phone calls to my mom continued. We made extra payments to the private loan to get them current as the missed payments hit ours AND my mom's credit score hard. Then we got on an automatic payment plan to have $117 applied to the private loan and $43 split between the two federal loans. This stopped the phone calls to my mom but that's about all it did. All of this money went towards fees first, then interest and NONE to principal.
A few weeks ago, I looked at the online account and noticed that we had four missed payments for the federal loans. I made an extra $123.11 payment to get us current on the unsubsidized loan, specifying that I wanted the payment to go towards that one which it did - at first. Then I noticed my automatic $43 payment made a week later was NOT split between the two loans. It was only applied to the subsidized loan, effectively making the unsubsidized loan late again. I did not give my permission for Navient to apply my payment this way.
I called and after two hours of going around and around with an agent, she assured me that my payment would be split between the two loans as it had the during the previous two months. Nope. I looked this morning and she not only left the $43 payment the way it was, she also moved the $123.11 from the subsidized loan to the unsubsidized loan. We are now SIX payments late even though we paid $123.11 EXTRA on top of the monthly $160.
I called this morning and after an hour of trying to explain to a representative and her supervisor what I saw clearly on the Navient website, I was told that they apologized for the inconvenience but they couldn't make any changes without having my husband on the line. Strange how they were able to make changes just last week without his permission on that same topic (On multiple occasions he has given permission for me to talk with them at any time). Then after I brought that up, Lee, the floor supervisor hung up on me.
I'm so fed up with this company. I feel like we've gone beyond making good faith efforts in trying to pay off the "delinquencies" and get our credit reports cleaned up but they haven't followed through by applying the funds in the way requested or agreed upon. It's a documented shell game. They make it difficult to pay off delinquencies and are sneaky, rude, and frustratingly ignorant of the information on their own website.
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