Navient Student Loan Complaint

Navient Student loan department,

Non-federal student loan Dealing with my lender or servicer Having problems with customer service Minnesota

My complaint/report regarding - ( - ) loans for my daughter that attended " - - '' in Missouri and Navients - previously - - - business procedures : e-mails/contacts I receive with subjects like : " Your Navient account information '' I get frustrated because it is very difficult to tell when I am receiving " VITAL '' information when a person is getting inundated with an overabundance of un-necessary contact. For example, because our daughter has " - '' loans with Navient for her term in college, I received - e-mails ( like the one below ) on - -, 2015. All looking the same, with NO critical account number, account identification, or CONTACT information - phone, reply e-mail, etc ) for the Navient " branch/office '' the information is being received from, in the body of the e-mail. I am the CO-signer of a loan, NOT the loan holder. I am WANTING my daughter to be a responsible adult and handle her finances. As a co-signer, I would like to be notified when there is a POTENTIAL problem ; however, I DO NOT need or want to receive


Due to the LARGE Number of " CONTACTS '' from NAVIENT ( and previously owned " - - '' ) over the past 10 plus years, resulting in UNREASONABLE contacts to my daughter, QUESTIONING " is the bill paid '', " are you having financial problems ; '' and having her let me know, she does n't know WHY they 're contact me : " no late payments, '' " just made a payment, '' she " registered for a program, '' she " just checked and they said she is STILL in the program, '' her " account is set up for automatic payments, '' etc. After years ( - ) of several missed " computer '' generated phone calls, 20 minute plus " holds '' on return calls ( some with successful contact and some not ), checking and re-checking with our daughter for verification and accepting the answer received from whomever ( Daughter/Navient - answers first ; a person gets used to receiving the un-necessary contacts, the same explanation from the kids, and then it becomes shocking when it turns out, the information ( from Navient ) shared was incorrect, and now there is a report filed and a " ding '' against both our daughter and my credit. Something needs to be done with the way this company 's policy/way of doing business ( which matches the previous owner-- - ). Especially, when a person considers : a parent finds out the people providing the loan are the ones SUGGESTING to young, struggling graduates, to " let their account go delinquent for 3 months '' then NAVIENT can look into considering dropping their monthly payments to make it more affordable. What responsible adult / finance company would make such suggestions!!??? I am reporting Navient for : 1 ) inappropriate/abusive contact ( - e-mails in - morning- - for each account ), repeated Computer generated contacts to cell phones, long wait times ; 2 ) Abusive use of accounts in dealing with reports - - counts " dings '' -actually - for this situation due to the fact they counted the - accounts delinquent for two months ). 3 ) In appropriate " encouragement '' of allowing accounts to default - for the purpose of extending loan life and debit to increase income for their business. Just so you know, our daughter contact Navient for consideration of different programs because she was - and another monthly payment. She thought she had her finances/situation under control when she " enrolled '' in - of the suggested programs. Even though she, provided the required check account information, and she checked in monthly with Navient to verify she was still enrolled in the program, the end result was - us having reports on our Credit Scores. Again I repeat, I feel very STRONGLY about the fact that SOMETHING NEEDS to change.