Important information
- Customer Complaint:Due to the volume of complaints filed against this
business, BBB only publishes the details for 15% of the total complaints filed.
Complaints
This profile includes complaints for Navient's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 566 total complaints in the last 3 years.
- 74 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:03/05/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Navient has violated me under The Fair Debt Collection Practices Act (FDCPA) 15 U.S.C 1692 through harassment and abuse, coercion, and defaming my character by repeated phone calls and mail correspondence to collect this alleged debt. Navient has sent me correspondence by mail using obscene and abusive language through coercion demanding I pay this alleged debt or threatening to sue me. I have submitted a Notice of Dispute for verification of this alleged debt and my remedy to resolve this dispute but have not received the verification or remedy. Navient is in violation of 15 USC 1692a(6), 15 USC 1692b(5), 15 USC 1692b(2), 15 USC 1692e(2)(A), 15 USC d(1), and 15 USC 1692j(a).
Resolution:
Navient needs to mail admissible documentation of this alleged debt to me for verification. If they cannot provide valid verification, then the alleged debt is considered null and void and needs to be completely erased from their system and my credit report, as well as stopping the collection reporting to the credit bureaus. They will also need to do the same to any other responsible parties involved in this alleged debt such as the co-signer. Also, Navient was sent an invoice of fees for payment to be mailed by check to me due to the violations they committed against me in their correspondence under FDCPA 15 U.S.C 1692.
Business Response
Date: 03/07/2024
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. Please allow sufficient time for
delivery.Customer Answer
Date: 03/13/2024
Better Business Bureau:
Navient needs to follow my instructions by mailing their response to me per my original request/Notice of Dispute letter. NOT THROUGH EMAIL. Once I received their response through the mail, then I will formally respond to them about their discrepancies on this matter. Until then this response is invalid. Attached will be my original Notice of Dispute letter that gives details on how to properly respond.I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
Regards,
Complaint ID: 21390807
Business Response
Date: 04/01/2024
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. Please allow sufficient time for
delivery.Initial Complaint
Date:02/26/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
*********41 staff not doing their job, account was paid off and closed Oct 2023, no follow up letter, no letters and updates sent to all 3 credit bureaus. Account still shows open with a balance, incorrect info,!. This should reflect a ZERO 0000 BALANCE!! Staff needs to do their job and updates need to be performed ASAP.Business Response
Date: 02/29/2024
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. Please allow sufficient time for
delivery.Customer Answer
Date: 03/05/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below. THERE IS. NO MESSAGE. NO REPLY NO RESPONSE TO READ!!!
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
Regards,
Complaint ID: 21348684
Business Response
Date: 03/12/2024
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. Please allow sufficient time for
delivery.Initial Complaint
Date:02/26/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I don't know why Texas wasn't included in the lawsuit against Navient because everyone should have been included in a lawsuit against Navient. I have paid on a $15k loan for school for 16 YEARS because unless I pay at least $300 and some change, all I am paying is interest, every payment. Of course, when they told me I could defer they just added more interest to the pot. Like another $1k for four months. This is asinine. The student loan I have with the government is being paid with the principal going down accordingly. Navient is crooked, greedy, and I want my account to refect that I have paid more than I owed and they have still made plenty off the interest.Business Response
Date: 02/28/2024
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 email on February 28, 2024.Customer Answer
Date: 02/28/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
I did say that I did not understand why Texas wasn't included in the lawsuit against Navient. I was not asking to be included or for adjustments to be made on behalf of the lawsuit. I'm merely stating that this account that started out as Sallie Mae, then went to Brazos, then ended up as Navient is absolutely predatory lending and the practices within should be considered, too. I'm well aware of the paperwork I received. My point of complaint was that Navient is a greedy, predatory lender who takes full advantage of people by telling them there is no harm in taking a forbearance or deferment, which yes, I did do on a few occasions because I was a single mother raising a kid and working 40+ hours a week to keep her needs met. I was able to work that job bc of the school loan that Navient has held over my head for 17 flipping years now. Navient charged over $900 in interest for four months deference on less that $15k loan at the time. I've paid for the loan, except they just put it to interest. I've had loans that were 4x time amount and they were paid off in 5 years because they were FAIR and not thieves who took all the interest and never put money towards the principal. Now my child is going to college and not only will I pay as much out of pocket as possible, she will stay as far away from anything remotely involved with Navient - who are indicted crooks in some states but not in others? Funny how that works.
Regards,
Complaint ID: 21346658
Business Response
Date: 03/07/2024
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. Please allow sufficient time for
delivery.Initial Complaint
Date:01/23/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I consolidated my loan. But Navient said I owed a balance and reported me to the credit bureaus in December 2023. I have since paid the amount even though when I called the representative said all my loans were consolidated. I have called several times to receive a letter saying the balance that was reported was paid to no avail. I have also requested that the credit bureaus be informed which also hasn't happened. I feel this is predatory behavior. My loans were consolidated but yet this company still come after me for money and reported me.Business Response
Date: 01/24/2024
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. Please allow sufficient time for
delivery.Customer Answer
Date: 02/05/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below. The 90 late on my credit report remains I would like Navient to alert the credit bureaus that not only is the account closed, but paid as well.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
Regards,Complaint ID: 21186713
Business Response
Date: 02/29/2024
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 email on February 29, 2024.Initial Complaint
Date:01/13/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I received a noticed from Navient stating they approve my automatic withdrawal from my checking account. I do not have a student loan and I never approved payments since I don’t have a student loan at all. They need to correct any and all info the reported to the credit bureau. I need a letter stating what they are doing.? You cannot set up automatic payments for student loans that I never had!!!!Business Response
Date: 01/19/2024
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 email on January 19, 2024.Customer Answer
Date: 04/15/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
Follow up on my case, Navient continues to take money out of my checking account when I do not have a student loan. I have told Navient to stop, that I do not have a student loan. I asked Navient to correct their error and send me a letter and they have not. I filed a complaint with your office. Navient needs to be stopped. I do not have ANY student loan. I have never had a Navient student loan.
Regards,
Complaint ID: 21141888
Business Response
Date: 04/17/2024
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. Please allow sufficient time for
delivery.Initial Complaint
Date:01/05/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have been paying on 6,000 pvt loan since 2008. I have always paid with my checking(ach). I now owe over 7,000 for loan. They offered a reduced interest rate for 6 months. I agreed now since 12/14/2023 I have been trying to make payment. Navient says my bank rejected as return to sender. I contacted my bank amd they never charged me an nsf fee for returned item which is their potocol. I called and set up payment again on 12/27/23. The monies have not been taken from my account. I am using same ach information that Navient has taken money from as recent as 11/2023. Now navient says they can't insure my payment unless I give them a debit card. I set another payment ACH again and.money is nit coming out this is effecting my credit report. I have been paying them for almost 10 years and they just now offer a lower interest rate and now they can't collect my money.
My credit union does not see them attempting to take money since 11/2023.
Seems suspicious when I was paying 20% interest payment came out routinely now that I may can get ahead they can't accept my form of payment when it hasn't changed in 15 yearsBusiness Response
Date: 01/08/2024
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. Please allow sufficient time for
delivery.Customer Answer
Date: 01/19/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below. I have attached a copy of the letter they are sending me. I have had the same checking acct that Navients has continually drafted out of for years. They finally offer me a lower interest rate and now they say my credit union is rejecting my their drafts however the credit union is not charging me nsf fees for said drafts my credit union does not have a record of the drafts being presented to them.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
Regards,
Complaint ID: 21102336
Business Response
Date: 02/06/2024
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. Please allow sufficient time for
delivery.Initial Complaint
Date:01/04/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I received a loan forgiveness through U.S. Department of Education Borrower Defense. I was told my payments would be refunded. I made payments of $4187.13 on this bad loan. Yesterday, 1/2/2024 I received a check from the US Treasury in the amount of $5 as a Federal Student Loan Refund. These crooks need to pay me back!
I tried to upload payment history document but your system says it's too big.Business Response
Date: 01/08/2024
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. Please allow sufficient time for
delivery.Customer Answer
Date: 01/25/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
Good morning,. The reply from Navient was exact the reason I filed the complaint. Navient harrassed me while I was not able to make a payment and in deferment with Sallie Mae. I paid them over $4,000.00 and the loan was a bad loan from a school that was shut down. I am entitled to a full refund. And they are trying to say they are not paying me what they owe me by law. I will reject the response on the website.Thank you.Best regards,
Regards,
Complaint ID: 21097563
Business Response
Date: 01/25/2024
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. Please allow sufficient time for
delivery.Initial Complaint
Date:12/16/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On 7/11/2003 I had two student loans disbursed totaling $120,621.71.
Over the course of the past 20 years, I have paid a total of $128.163.26.
Navient claims that my unpaid balance is $66,561.97 (over half of the original balance.)
This is an example of their ongoing predatory lending practices.Business Response
Date: 12/20/2023
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. Please allow sufficient time for
delivery.Customer Answer
Date: 01/04/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
I have been in repayment for over 20 years. I have paid well beyond the original amount that was borrowed. Navient claims that I still owe over two-thirds of the original principle. The only way that that scenario is mathematically possible is via the predatory lending that made Navient famous. The only acceptable response is the cancellation of this loan.
Regards,
Complaint ID: 21014162
Business Response
Date: 01/17/2024
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. Please allow sufficient time for
delivery.Initial Complaint
Date:10/30/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
2008 is the original date of loan taken out.
I originally entered into an agreement with Sallie Mae for a K-12 student school loan in the amount of $25000 for my daughter to attend one year of private school in her 7th grade year. I was in graduate school at the time getting a MA and was told I could consolidate the loans once my MA was conpleted. Sallie Mae changed to Navient. They changed the loan title to "career training loan" afterwards (my daughter was 12 and in 7th grade) so consolidation could not happen. I have already paid over $33000 to date and according to them, owe another 174 payments making the overall amount paid to them approx. $91000. For a $25000 loan! I am trapped in their dishonest business practies with no way out and they keep raising the interest rate, even though I have paid on this loan for 15 years and it is automatically withdrawn from my account so it is on time. Every time I speak to an actual person, I am told something completely different. It is an endless cycle of chaos. I am a school teacher so this is so frustrating to me. Besides, that same child that the loan was originally obtained for is now 27 years old, has graduated from high school, college and dental school and is now a dentist. The loan should have long since been paid off! At this rate, it will never be paid off. I have been paying on it for 15 years and according to them, still owe $17000 on a $25000 loan. Scam! Dishonest! Liars! I agreed to a K-12 school loan. I now show a private career training loan. For a 12 year old? I need it fixed and to be done with this company!
In addition, my mother o-signed with me in 2008. I have requested to have her removed as a co-signer 3 times. Their requirement is that I have made 12 consecutive payments in order to do that. They keep denying me for no reason. I have made 15 YEARS of payments! Please help! I want her off of the loan and I want the rest of my loan forgiven and done with. I have paid well over the $25000 anyway.Business Response
Date: 11/07/2023
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. Please allow sufficient time for
delivery.Customer Answer
Date: 11/14/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
Regards,Complaint ID: 20801255
Initial Complaint
Date:09/13/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I'm seeking assistance with the following accounts listed in my credit report. I am complaining because I want these accounts' late payments to be removed and correct the accounts status to be paid as agreed but still the NAVIENT has no response or action about the accounts in my credit file. To resolve this problem I would like you to aid me to correct the late payments in the accounts that are damaging in my file. The following accounts are listed in my credit report:
• NAVIENT ***************************** Balance: $494.00
• NAVIENT ***************************** Balance: $3,569.00
• NAVIENT 969******************0419**** Balance: $5,770.00
• NAVIENT ***************************** Balance: $5,085.00
• NAVIENT 9**********00102**** Balance: $494.00
• NAVIENT 00**************** Balance: $497.00
• NAVIENT 000*************** *alance: $3,587.00
• NAVIENT ****************** Balance: $5,807.00
• NAVIENT ***********419**** Balance: $5,117.00Business Response
Date: 09/22/2023
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. Please allow sufficient time for
delivery.Customer Answer
Date: 10/18/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
I'm seeking assistance with the following accounts listed in my credit report. I am complaining because I want these accounts' late payments to be removed and correct the accounts status to be paid as agreed but still the NAVIENT and 3 credit bureau has no response or action about the accounts in my credit file. To resolve this problem I would like you to aid me to correct the late payments in the accounts that are damaging in my file. The following accounts are listed in my credit report: • NAVIENT *********************2219**** Balance: $500.00 • NAVIENT 9*****************5120919**** Balance: $3,601.00 • NAVIENT 9***793778************419**** Balance: $5,839.00 • NAVIENT 9*****************7060419**** Balance: $5,145.00 • NAVIENT 96****************** Balance: $494.00 • NAVIENT 0***************** Balance: $500.00 • NAVIENT 000*************** ******** ********* * ******* ****************** ******** ********* * ******* ****************** ******** *********Desired Resolution / OutcomeDesired Resolution: Correction to a credit report
Regards,Complaint ID: 20595429
Business Response
Date: 10/26/2023
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. Please allow sufficient time for
delivery.
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