Disputing a late payment reporting. What counts as "proof'?

[Anonymous]

I think I have enough proof now, so I am going to be ruthless with them. If I made a mistake, it would be a problem, but they can make mistakes, and it's fine? Done being nice, it's obvious with the phone records, and bank statement that it's something on their end. Read online a ton of stories of people having the same problems with Navient.  

[Anonymous]

What does everyone else think? I have the Complete phone report that shows 03/17 I talked to Navient for 18 minutes

i found The Bank Statemet  that shows on 03/18  147.20  MERCHANT PAYMENT AT LOC 360 12061 BLUEMONT WAYRESTON VA

That account is Navients FYI.     

[Anonymous]

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@Anonymous wrote:

What does everyone else think? I have the Complete phone report that shows 03/17 I talked to Navient for 18 minutes

i found The Bank Statemet  that shows on 03/18  147.20  MERCHANT PAYMENT AT LOC 360 12061 BLUEMONT WAYRESTON VA

That account is Navients FYI.     

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Looks like sufficient proof to me.

[gdale6]

You have the proof you need send it to them and if they still are recalcitrant then file a CFPB complaint.

[Anonymous]

Thank you everyone for your advice!

[RobertEG]

That appears to be evidence that is directly related to the issue of when it was paid, and whether the payment was sufficient.

I would send then a direct dispute that includes a copy of your payment record.

If they fail to remove the delinquency, then either bring your own civil action or send a formal complaint to the CFPB.

[Anonymous]

I've been dealing with a Customer Advocate at Navient since April about this 90 day late reporting. The advocate took some time, and was trying to look for any errors so he could get the 90 day mark off of my credit reports.  He couldn't find any, and wasn't able to do anything. He told me they looked through phone logs, and saw no calls.  So then he told me if I found any documents that would show a error on Navients end, then he could get it deleted. 

I emailed him the phone bill showing the call , and the bank statement showing the payment. He called me very quickly, and it seems like these documents are going to get it deleted.  Before any documents, it would take days to hear back from him.

I've read a lot of reports from people that Navient has lost payments, so this all does make sense

[Anonymous]

I think these poor processing tactics are what they use to frustrate you into paying via auto pay.  Stick to your guns!

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@Anonymous wrote:

I've been dealing with a Customer Advocate at Navient since April about this 90 day late reporting. The advocate took some time, and was trying to look for any errors so he could get the 90 day mark off of my credit reports.  He couldn't find any, and wasn't able to do anything. He told me they looked through phone logs, and saw no calls.  So then he told me if I found any documents that would show a error on Navients end, then he could get it deleted. 

I emailed him the phone bill showing the call , and the bank statement showing the payment. He called me very quickly, and it seems like these documents are going to get it deleted.  Before any documents, it would take days to hear back from him.

I've read a lot of reports from people that Navient has lost payments, so this all does make sense

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[Anonymous]

I won't do that. I don't want them having free access to my account.   I'm going to call them everyday this week to see what is going on. They have the documents I sent  that show I talked to them for 18 minutes(At first they didnt have any record of the call) , and the bank statement showing the payment went through the day after the phone call.

Not going to let them take their time on this. I have clear evidence, so it shouldnt take any time to get this off my credit report.  

[Anonymous]

The customer advocate for Navient talked to me for 20 minutes. He told me they're still searching for the payment in their system, but since I provided proof showing that a payment was made, the late remark on my reports will be corrected.  Can't wait for this to get done, 3 months ago I took about a 34 points drop from each bureau which I've gained back by clearing up other accounts, so when this gets changed, I will be close to 700!