Slm Corporation

I am filing a formal complaint against Sallie Mae for predatory, inflexible collection practices regarding my private student loans. I am a XXXX XXXX currently in recovery, following an extensive XXXX medical timeline that included a XXXX XXXX major XXXX, and a XXXX XXXX that left me physically unable to work for half of last year. I am currently back at work at XXXX XXXX XXXX as a XXXX Coordinator, but my hours fluctuate heavily due to my ongoing medical recovery and my duties as the primary weekday caregiver for my ailing grandmother. Furthermore, my area was hit by the federally recognized XXXXXXXX XXXX XXXX XXXX disaster, placing my federal student loans into an official Natural Disaster Forbearance. On XX/XX/XXXX, I completed a thorough financial means-test screening with a Sallie Mae chat representative ( XXXX ) XXXX I verified with paystub data that my current gross monthly average income is {$170.00}, and my net take-home pay is roughly {$150.00} a month.…

COMPLAINT AGAINST : Sallie Mae XXXX XXXX. ACCOUNT AUDIT VALUES : Original Borrowed Amount : ~ {$120000.00} | Total Paid Since XX/XX/XXXX : ~ {$20000.00} | Current Ballooned Balance : ~ {$150000.00} STATEMENT OF FACTS & REGULATORY VIOLATIONS I am filing this formal complaint due to systemic auto-pay servicing negligence, unfair negative amortization, and severe billing ledger inaccuracies by Sallie Mae that directly violate the Truth in Lending Act ( Regulation XX/XX/XXXX XXXX XXXX ) and federal UDAAP standards. I have manually audited my complete, consecutive banking ledger from XX/XX/XXXX to XX/XX/XXXX, which I have attached to this dispute as concrete evidence. This unbroken XXXX paper trail proves that despite acting in absolute good faith and contributing ~ {$20000.00} out of pocket while attending XXXX University XXXX Sallie Maes internal software glitched systematically, driving my balance up by ~ {$31000.00} over the original principal.…

I'm struggling with my bills because my primary income ended two months ago. Last month my income was {$120.00} and this month it was {$60.00}. Before that I had steady XXXX XXXXXXXX work where I was just scraping by for six months, and before that I was unemployed going back to a layoff in XXXX of XXXX. I am on XXXX and XXXX. I have gone through all unemployment benefits and savings and I only have {$400.00} in the bank. I will not be able to pay a few different bills this month, including Sallie Mae. I have had a steady record of on-time payments except for a single one-month deferment last year. I owe {$99.00} on XX/XX/XXXX. I called them a little while ago ( XX/XX/XXXX ) to ask for any options they may have, such as deferment or load modification, and the representative said that they don't have anything for me because my account is not yet delinquent.…

XXXX Date of Complaint : XX/XX/year> Existing CFPB Complaint ID : XXXX ( filed against Sallie Mae ) Collector : XXXX Complaint Narrative : I have an open CFPB complaint ( ID XXXX ) regarding my Sallie Mae account. A debt collector, XXXX, has been contacting me by telephone in an attempt to collect on this account while my complaint is active. During XXXX 's first call, I explicitly notified their representative of my open CFPB complaint and stated my complaint ID ( XXXX ). I clearly requested that all future communication be conducted in writing only, not by telephone. Despite this explicit verbal request, XXXX called me again on or around XX/XX/year>. This is a second telephone contact after I had already invoked my right to written-only communication under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c.…

I chatted with a XXXX XXXX ( XXXX ). I explained my current financial hardship - having to pay for car repairs, IRS tax return payments, housing costs ( rent increased ), federal loan payments, and other credit card debts. Sallie mae is expecting almost {$800.00} dollars for three different loans a month. I ended a financial hardship program in XXXX which only lasted for about 6 months and was interest only I believe. XXXX says that I have to wait another year until I am eligible again. I only take home about XXXX a year after taxes. 12 % of my income is expected to go to sallie mae. I am not saying I can't pay towards my loans at all each month I am just asking for a reduced monthly expectation and they will not budge. {$800.00} dollars a month compromises my basic living expenses. My total living expenses are around $ XXXX and this is not including food, gas and other debts I owe.…

Sallie Mae employees are constantly calling my workplace and others that aren't listed on the account, even individuals out of state that have nothing to do with the account. They have called all of my siblings, my children and even my ex. I am co-signer for my daughter and she's having the same issue.

On XXXX, I recently pulled my credit report and noticed several negative accounts that are reporting inaccurate and without my knowledge. Please help me get these accounts removed immediately.

I was not fully aware of the terms, what this would be applied for and not in any way in the mental capacity to sign a contract at the time. It seemed predatory and led to a XXXX

Sallie Mae has been advising me that I do not have many options. I have spoken to multiple representatives that have advised different options only to be told those options are not possible. I also have a recurring payment issue where the company kept charging me a " late fee '' after I accidentally paid twice. It is listed in the account as an " returned check charge '', this is all occurring while the account is on autopay. I asked for a promissory note to which I was advised to many different teams and could not be supplied the document. They also advised no repayment options based on income and when I was told the program I was currently apart of was income based, it was brought to light the program was a " interest based program ''. It was advised to me that a repayment option is not available until after the account is past due. These then created recurring late fees after the program was applied to the account with autopay and the account in good standing.

I am facing a documented, long-term financial hardship with a monthly debt-to-income ratio that makes my current standard payments structurally impossible. I am currently delinquent on my accounts. I called Sallie Mae 's repayment assistance line in good faith to request a loan modification or entry into their XXXX XXXX XXXX XXXX.I provided my full income and essential living expenses, and explicitly informed the representative that my cosigner is currently disabled and completely out of work due to a severe injury. This means there is no secondary income or financial safety net available to maintain these payments.Despite this severe dual-hardship situation, the representative refused to offer any hardship accommodations, interest rate cuts, or lower tiers, and instead told me to simply call back in 30 days while my account continues to default and permanently damage my and my disabled cosigner 's credit.I am requesting that a senior underwriter or loss mitigation supervisor review…

Today XXXX XXXX XXXX Automated Advisor joined XXXX XXXX As you input your personal information, we want you to know that we take protection of your data seriously. To learn more about how we collect, use, retain and disclose your personal information, please see our Online Privacy Policy. Welcome to Sallie Mae Chat! I'm your Automated Advisor. Thanks! Ill connect you with a specialist who can help. This is an attempt to collect a debt and information obtained will be used for that purpose. XXXX Our company address is XXXX XXXX XXXX, XXXX, DE XXXX Automated Advisor XXXX XXXX Transfer requested at XXXX XXXX We're connecting you to an agent. Your estimated wait time is 1 minute. XXXX XXXX XXXX Automated Advisor left XXXX XXXX XXXX XXXXXXXX joined XXXX XXXX I am currently enrolled in school and have a deferment letter. As well as that I can only afford {$50.00} a month to get my account back to normal.…

I'm writing about private student loans I took out with Sallie Mae to attend XXXX XXXX XXXX in XXXX, XXXX ( which has since closed ) between XXXX and XXXX. I want to explain how I ended up with these loans, because I don't believe they were made responsibly. In XX/XX/XXXX, I went to my college 's financial-aid office to ask how to cover my balance. We had started down the path of a federal parent loan, but the advisor realized partway through the conversation that I was an independent student and couldn't use it. Instead of walking me through my federal options, she suggested in that same exchange that my mother could cosign a private loan, and listed several private lenders. Within about XXXX minutes I had applied to Sallie Mae and was approved for {$8500.00} at a variable interest rate, with my mother as cosigner, and the school certified it the next day.…

It is XXXX my XXXX XXXX XXXX grandmother, who is also my co-signer, out. She is unable to help me with payments, which they have been told time and time before. Theyre going to give her a XXXX XXXX or XXXX if they keep on harassing her.

I enrolled in a cybersecurity boot camp program associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) after being told that the program would prepare me for a successful career in cybersecurity and lead to high-paying job opportunities. During enrollment, the program was marketed as a pathway into the cybersecurity industry, with claims that graduates could obtain entry-level cybersecurity jobs with salaries close to or exceeding {$100000.00} per year. Based on those representations, I agreed to take out student loans to attend the program. I believed the program would provide the necessary education, skills, and opportunities to begin a cybersecurity career shortly after completion. After completing the program, I discovered that the program was not degree-seeking and that the coursework and credits were not transferable toward a college degree. I also learned that the expectations presented during enrollment were unrealistic.…

A Student loan was opened in my name without my knowledge or authorization. I disputed the account with the company and explained that I did not apply for or authorize this account. I requested proof of the original application, signed documents, identity verification records, and any information showing how the account was opened. The company has failed to provide sufficient proof that I authorized this account and continues reporting or attempting to hold me responsible. I believe this account is the result of identity theft/fraud and I am requesting that the account be removed and that all negative reporting related to this account be corrected immediately.

During a period of documented financial hardship from XXXX through XX/XX/2026, Sallie Mae contacted my personal phone multiple times per day on a near-daily basis for approximately 3 months. My call logs show over 40 incoming calls from Sallie Mae numbers including ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX, with calls documented on nearly every day from late XXXX through XX/XX/2026. The actual number of calls is higher as I deleted many entries out of frustration due to the volume. On multiple occasions Sallie Mae called more than twice in a single day. This pattern continued even while I was actively reaching out to them about my hardship and they were refusing to offer any assistance. I never received any resolution from these calls and was repeatedly told to call back the following month.

I am filing this complaint against Sallie Mae regarding their failure to provide hardship assistance options and their pattern of excessive and harassing contact during a period of significant financial hardship. Beginning XX/XX/XXXX I experienced a period of financial hardship. I had brief work earning under $ XXXX well below poverty level in New York XXXX making it impossible to meet my loan obligations. From XX/XX/XXXX through XX/XX/XXXX I had no income at all. I secured full-time employment on XX/XX/XXXX. Throughout this entire period I proactively contacted Sallie Mae multiple times to request forbearance or hardship assistance. Despite my repeated good faith efforts, I was consistently denied options or told to call back the following month with no resolution. Specific incidents : - Around XX/XX/XXXX : Called Sallie Mae regarding hardship assistance. Do not recall outcome.…

On XX/XX/2026 I spoke with customer service rep via chat in which I have proof of conversation stating I am unable to make monthly payments due to being on XXXX XXXX, payment plan was agreed upon and payments was starting to be taking out for two loans instead of three when I called this month inquiring about why only two loans is being taking out I was told they have no information on file of being on a payment plan, I have copies of all my history of payments and when I tried to attempt to access my Sallie Mae account they locked me out. I called again was told in order for me to access my account I had to make a payment in which I did make this month payment. I am submitting this formal complaint against Sallie Mae concerning unfair, deceptive, and financially harmful practices related to my student loan account. Over the course of my repayment experience, I have encountered serious issues that have caused significant financial hardship and emotional distress.…

I contacted Sallie Mae a year ago after I was placed into repayment. I stated to the loan company that I was not in a financial standing to make repayments nor can my co-signer. I continuously kept in contact with the company to ask for assistance and provided updates. I was denied multiple times. I began making good faith payments which was suggested to me by multiple representatives. I was constantly asked to make random payment amounts ( or any ). i continued to do this to the best of my ability due to the serve lack of income that I am getting. it is now XXXX days late and my co-signer who has a long excellent history of on time payments and credit history above XXXX, has now taken a hit. although the terms exist for a co-signer I have personally used my emergency fund to bring forth the account current.

I am submitting this complaint regarding XXXX student loans serviced by Sallie Mae. My daughter is the primary borrower and I am the co-signer. We have been actively trying since XX/XX/XXXX to obtain assistance and avoid default, but we continue to receive conflicting information and have not been provided with a workable resolution. Phone calls XX/XX/XXXX Spoke to XXXX # XX/XX/XXXX spoke to XXXX XXXX XX/XX/XXXX spoke to XXXX XX/XX/XXXX Supervisor XXXX XX/XX/XXXX XXXX - escalation ( advised to call back in XXXX perhaps more programs will be available. XX/XX/XXXX spoke to XXXX XX/XX/XXXX spoke to XXXX The total loan balance is approximately {$150000.00} across XXXX private student loans. Current monthly payments are approximately : Loan XXXX : {$560.00} Loan XXXX : {$440.00} Loan XXXX : {$360.00} Loan XXXX : {$400.00} Total monthly payment obligation : approximately {$1700.00}. XXXX of the XXXX loans are currently late despite our efforts to keep the accounts in good standing.…

My student loans came due a few years ago - I called and chatted with them multiple times to set up a payment plan. At the time I was not working due to a injury so my income was limited and they told me I could not afford a payment through the payment plan and they could not offer me a payment plan when the whole reason for a payment plan is because you can not afford the original payment but to them because I also had bills to pay for what income was coming in I couldnt afford to do their payment plan based on income with the loans I had- this occurred for loans my mother was a co-signer on. She was on numerous of these calls due to being the co-signer and having to agree for the payment plan. She is now being sued for these loans that we were not allowed to have a payment plan on.

Since graduating college in XXXX, I've had many unstable job positions. But during everything, I've been able to pay my monthly loans. However, I was recently let go in XXXX and took on a part time job which cut my income in half. I reached out to Sallie Mae to let them know what happened and how this would affect my loans. I asked for a temporary pause so I can get myself together. I can't afford my basic needs because I spend it all paying my loans for a college degree I got and I'm not even working in the field or a full time job. The part time job ended now XXXX and I'm expected to pay double the amount that I was already struggling to pay. It sucks because I have a co-signer but they can't even help.

I am formally complaining about Sallie Mae Banks refusal to release my funds and their claim that I am not the rightful account owner. I have already provided all required documents, including my government ID, Social Security card, and notarized identity verification, as requested. Despite this, my access to my account is still being denied without clear justification. Sallie Mae has also stated they contacted someone with the same name as mine, which I believe has led to a mistaken identity error. Under the GrammLeachBliley Act ( GLBA ), financial institutions must protect and correctly handle customer personal information. I believe my information may have been mismanaged or incorrectly matched to another person. I request : Immediate verification of my identity Release of my funds. If this is not resolved quickly, I will escalate and pursue legal action if necessary.

I am submitting this complaint regarding ongoing issues with financial aid processing, loan certification delays, and improper application of student loan funds at XXXXXXXX XXXX I am an in-persoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX financial aid and private student loan approvals are directly tied to my active enrollment and cost of attendance. I was approved for private student loan funding through Sallie Mae for designated academic sessions within the XXXX to XXXX aid year. These loans were requested and approved based on my enrollment in specific sessions, including my XXXX session, with the expectation that funds would be certified and disbursed accordingly and in a timely manner. However, there have been multiple issues that remain unresolved : An additional {$4000.00} loan was requested specifically for the current XXXX to XXXX aid year and corresponding session. I have not received clear confirmation that this loan has been properly certified or disbursed.…

b'I attended the XXXX XXXX XXXX XXXX (XXXX) from XXXX XXXX through XXXX XXXX and financed my attendance with three private student loans from XXXX XXXX (loan numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX).\nIn XXXX XXXX, the U.S. Department of Education approved my federal student loan discharge under Borrower Defense, finding that XXXX made "pervasive and widespread substantial misrepresentations" about graduate employment rates and salaries. My federal loans ($XXXX) were discharged effective XXXX XXXX XXXX (XXXX XXXX Case #XXXX).\nI then submitted a discharge request to Sallie Mae for my private loans, including the DOE\'s formal misconduct finding, my employment history, and XXXX records (XXXX) showing I never obtained employment in my field of study. Sallie Mae sent two requests for additional documentation (XXXX XXXX and XXXX XXXX), which I responded to in full.\nOn XXXX XXXX XXXX, Sallie Mae denied my request.…

I want to start a case to sue Sallie Mae ( XXXX ) for predatory lending practices, misleading marketing, and overall theft.

I am listed as a cosigner on a Sallie Mae private student loan. I never signed any cosigner agreement in writing. I verbally acknowledged awareness of the loan but never provided a written or electronic signature authorizing me as a cosigner. I contacted Sallie Mae twice by phone requesting proof of my signed cosigner agreement and never received any documentation. They have failed to produce any signature, contract, or electronic consent record. This account is now reporting 60 days late on my credit report, which is damaging my credit despite the fact that I have no verified legal obligation to this loan. I am requesting that Sallie Mae provide a copy of the original signed cosigner agreement. If they can not produce one, I am requesting that this account be removed from my credit report immediately. I have also submitted disputes with all three credit bureaus.

I am submitting this complaint regarding inaccurate credit reporting by Sallie Mae related to a student loan account affected by a Servicemembers Civil Relief Act ( SCRA ) misapplication. From XX/XX/XXXX through XX/XX/XXXX, my account accrued interest at approximately 10.25 %, despite being eligible for the SCRA interest rate cap of 5 %. Sallie Mae has since confirmed this error and applied the SCRA benefit retroactively, including a credit adjustment of approximately {$510.00}. During this period, I made consistent monthly payments toward interest. Based on the corrected SCRA rate, the appropriate monthly interest obligation was significantly lower than what was charged. As a result, my payments were consistent with, and in many cases exceeded, the correct obligation. Despite this correction, Sallie Mae reported my account as 60 days past due on XX/XX/XXXX. These delinquencies were based on an inflated balance resulting from the incorrect interest calculation.…