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They keep upping my interest rate charges from loans I took out for the now-defunct ITT Tech. My payment keeps ballooning and now my interest rate is a whopping 15.5%. Wow! That's almost criminal. What a total scam, I really don't understand how they get away with this. I'm fixing my credit up so I can refinance with a better business!
I would not even bother to give this company a star. I was put on hold three times for over 30 minutes! Not only that, I contact a customer service rep a couple of months back because my monthly payment kept changing. This customer service representative told me that it was always going to be X amount for every month only to find out 2 months later my X amount changed once again. This company does not respond back to emails and or answer any phone calls. HORRIBLE EXPERIENCE OVERALL.
I understand that no one really has a choice to deal with Navient, usually having it foisted upon them by their previous student loan provider. But if you can avoid it, do it. Mysterious 'repayment' fees amounting to thousands of dollars, mysterious payments lost in the mail (while the principal accrues interest), mysterious lack of knowledge of the company's own terrible practices are just the tip of the iceberg. Get out as soon as you can, and if you can avoid involvement with them in the first place, do yourself a favor. IN a truly competitive marketplace, a crony company like this could never survive.
I would give 0 stars, if possible! Navient is trying to get the most out of students, especially those who have short term hardship and can't pay. I had to make an unexpected move across the country to help with family health issues. I put three of my loans into forbearance, each costing me $50, so $150 total. I made my regular payment in October, and in November called for forbearance. Once completed, I was told I wouldn't have to pay until February, until I saw an email yesterday saying I owed them for January. I called and they kept saying that I missed a payment (was never aware, never saw on my account, original agent never told me) and I didn't find out until today. I still can't make my payment and they were unwilling to work with me. How can a company be so unwilling to work with people who have hardship??? TAKE YOUR BUSINESS ELSEWHERE!!!
I took a student loan from Sallie Mae in 2009. Navient had replace Sallie Mae, and they starting to called me for being qualify for loan forgiveness. When I called back I be in the phone sometimes over an hour, with information has nothing to do for paying the loan or student forgiveness. It happened over 20 times. Even I asked them, "Why you calling me am qualified, then nothing new will happened." The loan showed is almost 20 times of the original loan amount. I was working two jobs at the time, and I didn't took all the amount it showing. In my credit report showing the old amount of loan from the Department of Education in specific dates, they had changed to Navient a big amount. Some of them same dates but had showed three amount of loans, by the end they throw me with a huge loan amount. Is very very sad how they manage to stress borrowers with piling them with huge debt, is really are taking people life away.
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I called them today and was transferred three times before they actually found somebody who could help me (and even then I'm not confident). The last time I called, about a month ago, they transferred me *four* times. Four times. For the love of God. Not only did they transfer me four times, but they did not even do what I asked them to. They had scheduled my autopay drafts for a date near which I have a lot of other payments due, so I asked them to move my payment date ahead by one week. The woman said she would.
Fast forward to today, and they took out the whole amount on what should have been the original date, and BOOM. I'm in the red in my checking account until Friday. Thanks, Navient. Bad enough that these people never sat me down and explained exactly what I would have to pay every month, like they did with my car note. Now they are severely messing up my life and annoying me because of their extreme incompetence.
I called Navient to try and set up a payment arrangement and the guy I spoke to was the most inconsiderate, rudest, jerk I have ever dealt with. He asked me “why my co-signer can’t make a payment for me.” I replied that my uncle was my co signer and had died this year and I told him to not be rude. This guy started yelling at me that “takes offense to me saying he’s rude”... Are you kidding me “Navient”. This is the type of people you employ? The guy then told me “good luck on trying to get a payment plan!!!"
I can't pay my loans because I can't get a good enough job to even pay rent and eat food like a normal human. The loans are sitting and collecting interest at 6.2%. If I look up my payment options, I can pay about $300 a month for 300 months and pay a total of over $80,000 on an actual $36,000 loan I took out over 8 years ago. Student loans are a rip off. Consumer beware. Go to a trade school and get into skilled labor or forever be a slave to student loans.
After years of faithful payments on the educational loan that was shuffled from Sallie Mae to Navient, and after paying thousands of dollars in interest, I was encouraged to get a pre-approved email offer to refinance my loan using NaviReFi. I applied using the offer code and was promptly denied. Further, I noticed that my variable rate recently increased (right about the time I got close to paying off the majority of the interest charges I've incurred over the last 12 years). This company is a disgrace and a rip off. It's shameful that this is the tolerated standard for EDUCATIONAL LOANS.
I made a rather large payment to pay off the balance of my loan. The payment was posted to an old bank account, which had been removed from my Navient portal years ago. I received an alert from my bank about the pending request. After speaking with three different customer service reps, including a "manager" and a "supervisor", I was accused of selecting the incorrect account from which to make the payment (an account which, to do this day, I still cannot see in my portal). The "manager" can see the account in question and insists there is no way that this could be an error on Navient's side. The only way payment could be drawn from that account was if I had manually done so. I have proof of the account I made the payment from, and it does not match the account that the payment was drawn from. When I mentioned this, I was told I was "mistaken".
I asked to have the payment stopped and was told that once a payment is entered, it cannot be stopped or reversed. Two people told me the payment was still pending, while the third told me that the payment has already posted, 2 days ago. While on the phone, I checked the portal. The payment still shows pending. When asked how long it can take for the portal to be updated, I was told that it's instant. I asked about the discrepancy and was told that I must be mistaken, because the payment isn't pending, it's posted. I offered to show them a screenshot of my screen and was told that a screenshot would not be proof of what I'm seeing.
On a side note, I deal with issues like this at work on a weekly basis, and any payment that hasn't been posted can absolutely be stopped by the merchant (which would be Navient). After explaining that drawing an unauthorized payment from an unauthorized account is fraud, especially given the merchant's refusal to reverse said payment, I was met with silence, then asked how a scheduled payment made through their portal can be fraud. That question is not only disappointing, but very telling. This is complete incompetence by "customer service" and "supervisors and managers", and fraud by the company as a whole. I had to call my bank and have them put a note on my account not to authorize this payment because it is fraudulent.
I contacted Navient by phone about paying off the smallest of the two consolidated loans in its entirety and making a regular payment on the larger loan ahead of the forbearance date in November. After going through 3 levels of account representatives I was assured that my payment would apply to the smallest of the two consolidated loans and pay it off in full. That would have saved me approximately $45 per month which I could have applied to the principal on the larger loan. I later learned that they applied the amount to the largest loan so I still have two consolidated loans with Navient. I believe Navient deliberately misdirecting my payments in order to prevent me from paying off the smaller of the two consolidated loans. When I contacted them by phone on 10/15/2018 and described the problem, the representative was unresponsive. When I asked to speak to a supervisor I was put on hold and eventually had to hang up after about 30 minutes.
I am the co-signer on a loan taken out by my niece. The loan is paid by automatic deduction, yet they keep calling me saying the loan is not being paid. I am getting about 5-6 calls a day from them and am tired of it.
I took out a student loan for about $7600 in 2007. I have been making payments on this loan for about 10 years now. The payments that I've made total over 11,000 but my principal balance has gone down by only $2,000. They keep raising the interest rate so the amount of your loan attributed to the principal never gets higher. They don't inform you when the interest goes up. You have to remember to log in and check if it's gone up. They also don't let you know there may be a payment plan available that will get you out of debt sooner.
I downloaded my entire loan history going back to the disbursement of the loans in 2007. In 2009, 2010, 2011 and some of 2012, the entire payment went toward interest. I contacted the Consumer Financial Protection Bureau about Navient. I am going to review the payment history in relationship to the interest rate increases and see if they charged the right amount of interest. I also refinanced this loan at 5% instead of the 11.5% Navient is charging. I do not believe that I would ever get this loan paid off if I didn't refinance so the interest rate keeps going up.
When the interest rate on my private loan from Navient went up to 10.35%, I knew I had to refinance. In order to do so, my new lender requested a 30 day payoff statement from Navient. Apparently this has to be generated with a phone call and is not available online. When I called, the woman I spoke to told me it would be available within a few minutes in my email. Perfect! Only problem was that I never got it. Called again and spoke to a man who told me this information was incorrect and that I would get it in 24-48 hours in my inbox, not my email. Perfect! Only problem is I didn't get it after 2, 3, 4 days.
Called again and spoke to a woman who was very apologetic and she said she'd take care of it right away for me. Went over the account number, made sure it was the correct one, and told me I'd be receiving it the next day. Next day, I got an email saying a document was available. Perfect! Only problem was that it was for the wrong loan! Not even close to the same one and not a private loan. Just called for the fourth time, told the woman my situation, and was put on hold for 30 minutes before she came back and told me it was all set and I'd get it tomorrow. Will I? Who knows at this point, but with nearly $5 interest accruing by the day on this ridiculous, credit card-like level loan, I'm almost convinced this is a conspiracy to get as much interest out of me because they know I'm refinancing. Very displeased with this company and their robbery. Avoid at all costs.
They're predatory and absolutely unhelpful. You're better off researching ways of taking care of your loans than reaching out to them. They push forbearance on you so the loan increases. Terrible TERRIBLE company.
Sallie Mae changed their name to Navient so they could extort more money from students all over the nation. Their 'Debt Collectors' are idiots who do Navient's Dirty-Work. I called my attorney and lo and behold, as soon as I mentioned Navient's Vice President they immediately started laughing and told me to ignore him. Since Navient is a well-known scammer, don't think they can sue you. If they send you one of those 'Litigation Reviews', crumble it up and throw it away. I've had friends who were threatened by these morons and guess what? No one got sued. If you want to give them some headaches, do what Lawyers suggest to do when it comes to Debt-Collectors from Navient. Send them a certified letter asking to validate every cent that you owe.
Navient is the worse company ever and since they took over from Sallie Mae it’s been nothing but HELL. Their customer service is the worse and they don’t are not willing to help the customers. Stay away from this company!!!
After graduating high school in 2016, my parents convinced me to try one semester. Unfortunately I didn't have the money, and I needed exactly $1,200. I didn't enjoy college, and backed out. Leaving me with a loan of $1,256 including interest. 6 Months passed, and it was time to pay my loan off. Over the phone I agreed to pay $314/ month for 4 months (starting in April 2017, and ending July 2017). Payments were made in full and on-time, and Navient and I were done. The story doesn't end there though.
Almost a year later in March of 2018, I received a call from Capital One saying they were suspending my card due to multiple bad credit reports on my account. Checked my credit score, which was a whopping 325, and I can't even move out now due to my credit. I had several bad credit reports from Navient over the span of the year after I paid my loan off in full. Immediately I decided to call them absolutely furious, because it literally maked no sense.
According to Navient I still owed them a magical number of $564 for literally no reason. I've pulled the loan documents from the school ($1,200/$1,256 with interest). I still have my four letters from Navient (charging me $314 each totaling to my loan of $1,256). I also have four bank statements of me paying them the $314/ month on-time for four months. Long story short, Navient ruined my credit score, for some reason I still owe them $564, and I have multiple forms of proof stating I should be done with this "fantastic" company, also they're customer service is terrible, and wouldn't tell me where the elusive $564 came from.
In June of 2010 I co-sign for a student loan in my daughter's name. For the past 8 years if she was so much as a day to 3 days behind Navient would call me in addition to sending a paper bill through the mail to my address. With eight full years of payments made and only three payments left my daughter mistakenly skipped a payment. I was never notified with a phone call or a paper correspondence through the mail. I never authorized nor was I made aware that they would no longer be calling me that they would send one correspondence to an old email address that went to the spam file.
Their past practices of 8 years was always to call and I always paid with only $400 left on the entire student loan bill in which I was more than able to pay they reported me to the credit bureaus and over 100 points was taking off of my credit score with never even speaking to me on the phone. When my Discover card set me notification for a bill that was passed due and I called and paid the balance off they treated me, as if I was a derelict. And they refuse to remove this from my credit report even after I explained to them I never received notification or a phone call as their past practices have been for 8 years.
Being disabled and living on SSDI is not by choice. Life and medical circumstances can be challenging to our lives in many ways, many times. Navient repeatedly denied receiving any forms submitted, repeatedly. Forms submitted requiring signature? The office stated they had no idea who signed but they did not receive. I had faxed, emails, and sent certified mail all necessary forms.
It appears Navient’s intention was to default the loan in a manner allowing funds paid to be retained by the company... Even the history on my credit report is sporadic and inconsistent. My credit report shows regular payment, then months missed, then payments made, then instant 120 day past due. Navient essentially refused to accept anything I submitted. Later I learned how I had been misdirected or counseled incorrectly initially also.
I hope and pray a lawsuit occurs in Texas as in several other states now. It seems the same negative and illegal actions were performed repeatedly. My credit is ruined solely by Navient’s incorrect and manipulated reporting. Because the company has continued changing business names, I have continued finding contact impossible. Beginning in January 2018 Navient started deducting 300 per month from my predetermined living expense amount SSDI check per a change and allowance by our President, if I understand correctly.
Navient is absolutely criminal. I have spent the last 4 1/2 years paying all of my monthly payments on time and always over the minimum payment due. My interest rate has consistently increased during the life of my loan without any notification ever. And by last month it was over 12%. I have made several calls to Navient regarding my interest rate increase over the years, and every time I have gotten the same rehearsed useless answers. The customer service is horrific and useless, and really makes you feel helpless.
I decided last month to finally get rid of Navient and refinance my student loans with College Ave, and that was probably the best thing I could've done for myself. They were quick with responses, clear with details, and so easy to work with. I am now paying a much more reasonable amount each month, with a fixed 5.4% interest rate. If you are looking into student loans, please do not make the same mistake I did. Navient is honestly one of the worst companies and will ruin your life if you let them. I strongly advise looking elsewhere if you are considering taking out student loans.
If I could give Navient 1/2 a star I would. My issue with this company stems from my monthly payment for July 2018. My payments are due on the 27th of every month. I scheduled my payment through my bank's bill payment system on July 27. However, by August 1 or 2 I realized that my account showed a past due balance. I called their customer service and a lady I spoke with was quite presumptuous and condescending. But I stuck it out and made my case that I don't understand why it should take Navient so much time to update my account when other accounts I paid through my bank's bill pay on that same August 27 had updated already. The young lady convinced me that it can take up to 4 business days for payments to update. I was not convinced but I ended the call.
On August 6, my account still showed a past due balance so I called again. This time I was fuming at the rep but she was surprisingly calm and effective. She found out that my payment was in a SUSPENSE ACCOUNT; that the payment had been sent to the wrong address. She promised me it will take a few days to correct the mishap. Another week goes by, nothing happens, then another week goes by. So I decided to schedule my August payment on Navient's website. The payment was scheduled for August 24, an amount of $252.47 then my July payment was finally processed on August 31. What really pissed me off is Navient applied ALL of my August payment as interests and $161 of the July payment as interests. This means I paid a total of $413 in interests for two months when I should be paying approximately $300 in interests for two months.
I called the company on 9/5/18 to have it resolved. I requested to speak with a supervisor. A guy gave me his name as James **. This guy basically told me there was NOTHING Navient could do. I'd asked him to adjust my July payment to the date the money got to a "different" address since it was obvious that the money was not with me or I could not make the payment. He wanted to tell me he was sorry blah blah blah. I told him point blank that I don't need an apology, I needed the issue fixed so that I'm not made to pay over $100 extra in interests.
This James ** guy basically insulted my intelligence by saying I don't understand what he was telling me. I asked to speak with his boss or someone who can fix my problem and this guy continued to give me a runaround. Finally he said he will send a note to the treasury department to have someone look at it but there was no guarantee that my request could be honored. So I asked him to call that someone in the treasury so that it would be a three way call so that we can resolve the issue. James ** again told me that is not how things are done. REALLY? I cannot possibly narrate my whole encounter here because of how long it was but in a nutshell, Navient SUCKS and I'm not surprised it has so many lawsuits.
I am down to my last three payments and have made the same payments for roughly 10 years. When I logged into my account today, the total due was nearly double what I've been paying. I just called to find out why? Couldn't understand anything or get any clear information. After roughly an hour on the phone -- still no clue as to why?
This company replaced Sallie Mae so I had no say in choosing it. This company has the worst business ethics that I’ve ever dealt with. They are constantly changing the set pay amount, you look and all of a sudden you have a late notice. While no indication, notification or reason of why/when the change is happening. Lack of communication and unethical business practices run rampant. My suggestion to anyone would be to avoid Navient at all cost!!
More difficult to work with than Sallie Mae. Calls are made to an overseas service, service workers are difficult to understand and have yet to understand my requests without several repeats. Payments are higher with Navient than with Sallie Mae. Be cautious... whenever they reassure me none of my requests affect my credit rating - my score takes a little.
I've been with Navient, before they became Navient when they were Sallie Mae. Lately this year I've had nothing but problems with my loan and bad customer service with this loan company. I made a mistake in my life by getting this loan, I've come to accept that and I've owned up to my responsibility by make my payment on time for the past 4 years but, unfortunately I have low income and cannot survive and make the original payments of 215.00 payments. So I was accepted into the rate reduction program and set up auto payment and haven't missed a payment. Fast forwarding to May of 2018 I called in to do my financial so that I could continue on this rate program. I was advised it wasn't available at this time, and that to call back at the end of June when my program was done to set it back up. I called back after my "last payment in the rate program."
Also, they advised me I wouldn't have to do my financial again since it was already done. They advised me at that time again it was "available." After asking why they wouldn't give me an explanation. Then, they proceeded to say I don't have a payment due till Sept 2018. I questions how was that and that I didn't want this to affect my credit when in fact a payment would be due... I called back a couple times and they told me the same thing so I took their word. So, I called back today because I received an email that said I have a payment of 156.00 due Sept 5th. I called because I wanted to see about changing the due date, because for the past couple years I was used to the payment Auto Drafting at the end of the month, which is financial better for me.
Spoke with a lady in the rate reduction program, and she then advised me that my payments in Oct will increase to 215.00. I advised her of all the info above and that I should be on the rate program, advised her that financial I cannot make those payments. She told me my type of "loan" isn't eligible when I've had the same loan all these years! I'm very upset because I've worked so hard to make sure Navient is getting paid and that I don't let this affect my credit. Now, I asked to speak to manager and she didn't have any sympathy nor empathy to my situation.
I CANNOT believe it's not 1 program out there that they have in place to help people that want to make payments but need assistance! All these years of making a payment gone down the drain because a company won't assist. She told me that the lender is not obligated to assistance people in need. I'm HIGHLY frustrated, and if I had the money to get out this loan this would be they would be my first debt I would pay off. And this is the main reason why I'm so scared to return back to school because I hate to be put in a situation like this where there is ZERO help, ZERO sympathy! My hopes in writing this is for the right person to see my pain and frustration and either help in any way or something be done about this company. Thank you.
This company is horrible. They have hardly any payment options, and I refuse to use a bank account. They use to offer credit card payments, with an enormous fee, but they got rid of that option. They seem like a very greedy company and very inconvenient. It's pretty sad when a collection agency is easier to work with.
I have documents from bank payoff and check copies. Navient received check and applied 3 days later after bank disbursed check. They are telling me 10 years later that there was a 55 (1st girl) principal balance. I talked to a supervisor which then said it wasn't 55. It was 240. Now balance is over 400 from March 2018. I called again. They said no one can help me because the idiot manager put notes and she supposedly is giving me a deal. All 3 persons told me that if this has happening to them they would be very upset but they could not help me.
Terrible company. I have been trying to get the school to refund my loan for years, that’s a whole other battle over lost emails, paperwork, the person I was dealing with left and nothing can be retrieved. I recently had my loan put into forbearance by Navient because the school is finally starting to work with me, but since then Navient decided to send credit bureaus my loan is delinquent by 90-119 days, that dropped my TransUnion 78 points and my Equifax 50 point. If you need assistance with a school loan by all means do not use this company. They are not out to help you at all. I have in the past tried to get the school and Navient to speak to each other with no success, I just wanted the school to confirm to Navient that I am trying to work this out. To give an idea what Navient has done to my score I was on the closer side of 700’s. Now one of my scores is 545 and the other is around 575. Navient is a life destroyer. DO NOT USE THEM.
I was basically "encouraged' into doing their auto pay since I had delinquent payments. Okay fine, I'm cool with that. One year later, it's just not working. I need the flexibility of a non auto draft. So I turn off auto pay. At first they stopped, then the auto draft started again. Okay, it was unexpected, but our budget could cover it. I turn it off again. It happens again. I tell them on a call to stop it. It happens again. I send an email and turn it off again on my online profile with them. It happens again, this time overdrafting our account and taking our grocery money. I send an email and yet again have to click off autodraft on the page. I get an email confirming this. They did it again, and overdrafted us... again. I go and turn off autodraft one more time.
A week after overdrafting us they do a "retry payment." Overdrafting us once more. I finally called our bank and filed a claim with them. Our money was returned, the overdraft canceled, and we now have a stop payment for Navient. I will be sending them money orders from now on, as they can't be trusted with our account. And don't even get me started on refusing to work with me for income based plans. That would be a whole extra post...
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