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The Water Cooler
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USPS, you just have to laugh
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<blockquote data-quote="tRidiot" data-source="post: 3506188" data-attributes="member: 9374"><p>Ok, now I'm pissed.</p><p></p><p>/rant on, if you don't want to read it, leave now</p><p></p><p>So USPS failed to deliver some items just after Christmas we had ordered several weeks before for a skiing trip, which led to, of course, a lot of running around and having to spend a good amount of money to replace those items for skiing. And then, of course, they showed up when we got home after the trip.</p><p></p><p>But that isn't it.</p><p></p><p>This month, January, USPS took 13 days to deliver a payment on my student loans. </p><p></p><p>Now... for those who've never had to deal with Sallie Mae, now Navient, you may not appreciate the gravity of this situation. But suffice it to say, we do NOT trust Navient with our bank account information to allow automatic draft. We have spent YEARS dealing with these people and their absolutely fraudulent intentional misdirection of my student loan payments. To the point that my wife would spend HOURS on the phone with them every. single. freaking. month. JUST to get payments applied appropriately. And that was only after we learned (again, after many "OOPS!" mistakes of misapplying our loans to the wrong accounts so we would be 'late' on our payments. The way we circumvented that was sending specific Cashier's Checks for each loan, keeping copies AND sending each of them SEPARATELY via CERTIFIED, RETURN RECEIPT MAIL - yes, every month.</p><p></p><p>It was a nightmare. For YEARS. And the ONLY way we could keep them honest was by my wife calling each. and. every. freaking. month. to argue with them and tell them she had proof of the separate checks (which still somehow got put in the wrong accounts despite being labeled with the specific account numbers) AND of the mail AND delivery dates, with SIGNATURE of a Navient employee for receipt. It was a nightmare. In spite of this, multiple times we had to have a law firm send them demand letters to make them apply our payments properly. This isn't a mistake, it's a regular practice of harassment and intimidation by Sallie Mae/Navient. They do this ROUTINELY. And they always, ALWAYS misapplied my Federal Stafford Loan payments to make a double payment on my private loans. Not a mistake, it was this way EVERY. SINGLE. TIME. Funny... not ONCE did they accidentally apply a double payment to my Federal loans. I wonder why that is?? Hmmmmm?? Could it be that as a medical provider if I become delinquent on Federal loans, I become ineligible for participation in Medicare or Medicaid? Therefore can't receive payments and can't make a living? Hmmm.... seems like a good way to pressure someone to pay an extra payment just to get Sallie Mae/Navient off one's back so one won't lose their livelihood by fighting it and being placed in default, doesn't it? How strange....</p><p></p><p></p><p>So after all these battles, we've finally consolidated most of my student loans with a bank and told Navient to eff off... except for ONE small loan we forgot to include and have been continuing to pay on. </p><p></p><p>And NOW, the U.S. Postal Service decides to take 2 weeks to deliver my Certified, Return Receipt Requested mail with ONE Cashier's Check in it, so then when Navient contacts us wondering where our payment is, this time, THIS TIME, it actually IS freaking late! Because it took 13 days to get to Florida!</p><p></p><p>OMG, I need an anvil so I'll have something HARDER and DENSER than this wooden desktop to beat my HEAD UPON!!!!!</p><p></p><p></p><p>ARGH!!!!</p><p></p><p>/rant off</p><p></p><p>Ok. Sheesh. If ya'll stayed with me through that, you might have a small idea the frustration we went through with Sallie Mae and Navient now for damned near 20 years. And counting... <sigh></p><p></p><p></p><p>Thanks, USPS. I've been pretty forgiving about the mail delays the last month or two, but this one just got to me. Seriously.</p></blockquote><p></p>
[QUOTE="tRidiot, post: 3506188, member: 9374"] Ok, now I'm pissed. /rant on, if you don't want to read it, leave now So USPS failed to deliver some items just after Christmas we had ordered several weeks before for a skiing trip, which led to, of course, a lot of running around and having to spend a good amount of money to replace those items for skiing. And then, of course, they showed up when we got home after the trip. But that isn't it. This month, January, USPS took 13 days to deliver a payment on my student loans. Now... for those who've never had to deal with Sallie Mae, now Navient, you may not appreciate the gravity of this situation. But suffice it to say, we do NOT trust Navient with our bank account information to allow automatic draft. We have spent YEARS dealing with these people and their absolutely fraudulent intentional misdirection of my student loan payments. To the point that my wife would spend HOURS on the phone with them every. single. freaking. month. JUST to get payments applied appropriately. And that was only after we learned (again, after many "OOPS!" mistakes of misapplying our loans to the wrong accounts so we would be 'late' on our payments. The way we circumvented that was sending specific Cashier's Checks for each loan, keeping copies AND sending each of them SEPARATELY via CERTIFIED, RETURN RECEIPT MAIL - yes, every month. It was a nightmare. For YEARS. And the ONLY way we could keep them honest was by my wife calling each. and. every. freaking. month. to argue with them and tell them she had proof of the separate checks (which still somehow got put in the wrong accounts despite being labeled with the specific account numbers) AND of the mail AND delivery dates, with SIGNATURE of a Navient employee for receipt. It was a nightmare. In spite of this, multiple times we had to have a law firm send them demand letters to make them apply our payments properly. This isn't a mistake, it's a regular practice of harassment and intimidation by Sallie Mae/Navient. They do this ROUTINELY. And they always, ALWAYS misapplied my Federal Stafford Loan payments to make a double payment on my private loans. Not a mistake, it was this way EVERY. SINGLE. TIME. Funny... not ONCE did they accidentally apply a double payment to my Federal loans. I wonder why that is?? Hmmmmm?? Could it be that as a medical provider if I become delinquent on Federal loans, I become ineligible for participation in Medicare or Medicaid? Therefore can't receive payments and can't make a living? Hmmm.... seems like a good way to pressure someone to pay an extra payment just to get Sallie Mae/Navient off one's back so one won't lose their livelihood by fighting it and being placed in default, doesn't it? How strange.... So after all these battles, we've finally consolidated most of my student loans with a bank and told Navient to eff off... except for ONE small loan we forgot to include and have been continuing to pay on. And NOW, the U.S. Postal Service decides to take 2 weeks to deliver my Certified, Return Receipt Requested mail with ONE Cashier's Check in it, so then when Navient contacts us wondering where our payment is, this time, THIS TIME, it actually IS freaking late! Because it took 13 days to get to Florida! OMG, I need an anvil so I'll have something HARDER and DENSER than this wooden desktop to beat my HEAD UPON!!!!! ARGH!!!! /rant off Ok. Sheesh. If ya'll stayed with me through that, you might have a small idea the frustration we went through with Sallie Mae and Navient now for damned near 20 years. And counting... <sigh> Thanks, USPS. I've been pretty forgiving about the mail delays the last month or two, but this one just got to me. Seriously. [/QUOTE]
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