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I spoke with a Navient representative

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

Last year I spoke with a Navient representative and told them I wanted to pay off my son’s entire student loan. I received a quote of approximately $1500.00. The credit card payment was made over the phone with the representative. It’s now 15 months later and we received a letter regarding the notice of a new policy. The letter also thanked my son for being a customer. Since his loan was paid off, he should no longer be a Navient customer. I phoned the number listed in the letter and spoke to a representative. I was told that the account had a balance of approximately $97.00 and had accrued another $10.00 in interest charges. I told the rep I had paid off the entire account in 2011. He stated that the amount paid only covered the principal and that the interest had not been paid. I asked why they hadn’t added the interest in the pay off amount. I was told that I must have only paid the statement balance. I disagreed. Next, I asked why we hadn’t received a subsequent bill stating that there was money owed on the account. The rep stated that the amount I paid, paid up the account until January, 2013, and my son would have then received a bill. This is one of the most outrageously underhanded businesses in America. Today, I researched Navient and found too many complaints to count and many of the complaints were similar to mine. Navient flagrantly disregards ethical business practices. Navient is worse than any pay day loan company. Once you owe Navient money, you will never be free. I urge anyone interested in student loans to find an ethical company.

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