Navient; Aka Sallie Mae Automatic payment blunder Philadelphia Pennsylvania

I'm merely venting my frustrations about what has happened. To put it simply; you borrow me $20. We agree that you'll take out $2 every month automatically, but you never do, and then you get upset that I'm not paying you, resulting in you charging me late fees, interest to accrue, and reporting late payments, and whatnot, to credit bureaus. Plus, anytime I reach out to correct the issue, regardless of time between the dates your supposed to take my money. I'm told that your just gonna re-set everything up to be taken out automatically and try again. And over and over and over and over again. It's sad when you call in and you know what they're going to do, and you still know nothing will happen after it's been reset up. Does that make sense? Does that still sound right or fair? Do you understand my level of frustration now?

 I don't blame SallieMae/Navient, but how would you feel if a college targeted you because of your background

- Well I guess if I don't blame one company but feel that a college targeted me.  I would go after the college.  So why is this report about a company you don't blame?

Answers is if he'd been a non-smoker, he would have spent that money on other things. I'm not just a single bachelor with tons of money to just throw at the world

- But the non-smoker didn't make a legal obligation to buy that Lamborghini, YOU made a legal obligation to pay back that loan..that is the difference.   So when you talk about overdrafting your account.  That is 100% on YOU.  YOU made a decision of your own free will to spend the money on other items.

 However, I believe I was wronged and nothing you will say will change that belief.

- How did THIS company wrong you?  Even after you state you don't blame them?

 I appreciate your honesty, you say the Devils in the details, of that particular story. You don't know my entire journey with this. I'm not going to tell my entire story. I don't blame SallieMae/Navient, but how would you feel if a college targeted you because of your background. Taking what I'm truly passionate about and offering a higher education at a subpar level; using that to make empty promises that there'd be a 90% chance I'd get a job in my field of study after graduating. That's sound enticing and if I would have known what I know now, I never would have attended that college and went with something more credible. Employers that I've interviewed for potential jobs, in my field, scoff at my degree and tell me that the college I attended did a poor job of preparing students for the industry. I can't take back what happened, but I'm not the only one that's been defrauded. Corinthian colleges did the same thing to there students. That being said, Sallie Mae/Navient are just trying to collect what's theirs. I get it, but I'm not a fan of customer service with a side of garbage, and instances like these make it difficult to give them what's theirs; which goes beyond the interaction that was listed previously. That's not the first time where they say they're gonna do something and then don't do it. Have you heard the theory that, if one who smoked, could use all the money he spent on cigarettes, he could buy a Lamborghini? Answers is if he'd been a non-smoker, he would have spent that money on other things. I'm not just a single bachelor with tons of money to just throw at the world. Im sure you'll have some witty response, and you can say what you want. However, I believe I was wronged and nothing you will say will change that belief.

The devil is in the details as they say.

First of all why would they be "blowing up" your phone from dawn until dusk?  Is it that they are that concerned that you don't have the automatic payments set up.  Of course not because that would mean that they actually are trying to help you, and you fail to mention that.  So what is the only other alternative...that you not only are not on the automatic payments, you are failing to make ANY payment.

Now, why is this important?  Because of the payment they took out on March 30th you say it caused you to overdraft.  You had not made a payment since August, so you had 6 payments you missed(Sept-Feb).  At $587/month you should have actually had $3522 saved up by the time the march payment would need to be made.  This is well above an amount that the $587 would have caused you to overdraft.  So what does this mean?  Well of course that you took the attitude that if they didn't take the payment..you don't owe it.  So you spent it.  This is further confirmed by YOUR lack of follow up.  Yes, inconvienient but you don't wait a month to find out why a payment wasn't taken out.  If you truly wanted to know why a payment wasn't taken out in November, you would not have waited until after the December payment to call.  You make one contact in January, and apparently not another one until March.  So yes while you "say" you want to make your payments you are in reallity truly avoiding them as much as possible.