Sallie Mae

In sum, I owe SM about $2700 between two loans. One has a balance of about $400 and the other is $2300. I have been consistently making payments (which always fluctuate and I seriously can't make sense of their billing structure - I just pay). In May 2012, I tried to apply for a home loan only to be told that one of my SM loans was delinquent for 60-90 days! I logged into my SM account and found out that they had only been applying my payments to one of my loans, causing, of course, the other loan to be severely delinquent. As a result, my credit report basically plummeted to an embarrassing 559! I was near 700 before. My finance person with the home loan told me if SM adjusted these payments and gave me a written notice that I had not technically been delinquent, she could do a rapid rescore and hopefully get me approved.

This was 9 days ago and I've spoken with SM approximately 7 times as follows: Call 1) The rep told me I was delinquent, so I made a payment. I asked for documentation of this payment. She refused, saying it wasn't their policy. Call 2) I requested my April 2012 payments to be redistributed to both of my loans instead of just one. The rep refused, saying that wasn't possible. Call 3) I requested again for the payments to be redistributed and SM complied, causing my accounts to come out of delinquent status. I asked for documentation and he stated it was their policy to mail this information. Call 4) I called again, spoke with an alleged supervisor who took my fax number, and read aloud a fax she would be sending, something to the effect of "Jaime was not delinquent on her accounts in 2012." She promised that it would arrive in 1-2 business days. This was a Wednesday.

Call 5) After waiting patiently for four business days, I called back, only to be told that my account was 20 days delinquent. I had made this payment already, but it hadn't posted to their system. I asked to speak with a supervisor and the call was disconnected. Suspicious. Call 6) I called back immediately and was told to hold for collections as my account was delinquent. I told the rep, forcefully, that I was not delinquent and was calling about a different issue entirely. I asked to be connected to a supervisor and again the call was disconnected. Call 7) I called back immediately, understandably livid, and explained to the rep how patient I had been waiting for them to fulfill their verbal promise. She connected me to a supervisor who told me that the original notice was in fact mailed, not faxed. So, that supervisor I spoke with during call 4 was a liar. This supervisor told me that he would submit the request for my fax and I would receive it in 1-2 days.

That was 3 days ago. No fax was received. So, as a result, I am in limbo with home financing, the seller on my potential house is getting impatient, my finance lady is impatient, and Sallie Mae has seriously screwed everything up. I am not surprised that there are hundreds of negative reviews for this ridiculous company. I am so thankful I only have $2,700 left to pay to them so I can get rid of their disgusting practices in a fairly timely manner. In the meantime, I'm about to call their severely incompetent customer service unit again with hopes of getting them to follow through on their promise to send this notice of my non-delinquency so that I have a place to live. Thanks for your time.

My husband cosigned my son's Sallie Mae loan. My husband is home bound and very ill and they keep calling all day long. I have asked them not to call as there is nothing I can do. I am not even on the loan. But they told me that the loan is 23 days past due, which I think, by law, they cannot reveal that information on the loan to me, since I am not on it.

I don't know the person's name that I spoke to today but I also spoke to a supervisor by the name of Rob **. I also told them that my son said that he is sending a payment by next week. Right now, my stress level is about 100%, trying to take care of my husband 24/7, without them calling and harassing. The call was taped so you should be able to hear them tell me about 23 days, which is not even 1 payment past due. I was yelling during the call so it should be easy to hear what I was saying.

I thought at the new year (2012) that I had finally got my private loans hammered out enough to let me think of something else and eat. I applied to be in the "Graduated Payment Program" and my payment was going to be $50 a month for 24 payments. I thought that this would give me time to get in a better position financially. Well, they tell me a few days ago (May 2012) that there was an "error" and I shouldn't have been placed in that program and now the payment due is over $600! I could barely afford the $50 - I work less than 30 hrs a week and am seeking more employment but it's hard to come by. I don't know what to do! It's about 70 days overdue or such by what the website document is telling me and I am freaking out! I just need a helping hand. I'm not trying to duck out of it! I just want to be able to eat, that's all. They even suggested that I stop paying rent, my car payment, etc. This company is horrible! I took this private loan out in 2004 for $15,000 and now it's well over $26,000 - wish I hadn't been 18 and driven to go to culinary school. Is there anything I can do?

Refund of $2,335.00 from Sallie Mae denied - After being hounded by Sallie Mae for years, they finally garnished my checks and were fully paid. I had always maintained that my escrow company during a refinance had paid Sallie Mae on my behalf but was unable to find the receipt. Recently, I stumbled on the receipt. I sent it to them, and all along, they were doing research. Today, Friday, 04/27/12, a bold Sarah from Sallie Mae said that they will not refund my money. What can I do? I have all the necessary proof which I have also sent to them on various occasions.

Wow, now I know why this company sucks. Thank you, gov. Well, let's see, since I have had problems with you, 6 other friends of mine had problems with you, and so has my mom. The government wants everybody to go back to school, but how when we don't qualify or approve. My wife who is trying to get into R.T. (Respiratory Therapy, in case you all don't know what R.T. is) at Concord, since Sallie Mae and Wells Fargo is Concord's only lenders to help these students. Well, my wife had cancelled the first student loan which she had emailed you numerous times. Then a rep calls and has the balls to ask about it. When she told him she was no longer interested and three days later had open up a new application with a cosigner, yes, it was a lot more money. But she had a cosigner, her father, who owns a house. She has no payments on a car and has no credit cards but all of a sudden, she was not approved. What a bunch of **. So tell me how many people can borrow money from Sallie Mae. Well, I apparently am not a blue collar female who is trying to better herself. So to all of Sallie Mae, thank you for showing us who you really are. Some day, your lives will depend on a R.T, but I know they won't turn the other cheek.

Since 2007, I have been trying to get my loan permanent discharge. I have in many occasions, while I live in NJ, sent them the form omb1845-0065 with all the proof that I am disabled and received disability benefits from SSI for my condition. They keep rejecting the form because they wanted the doctor to send a letter accompanying the form. My doctor did that in several occasions. Now, I am in Puerto Rico and my daughter will not fill it out unless I paid him money which I don't have. In PR, every litter paper they fill out for you have a fee and a form like that will be about $300. I got my record from NJ and they are welcome to see if they want to, but I don't want to pay that amount for them to continue to reject it, because every time they do that in PR, I will have to pay. Please help me. I will need surgery soon.

My experience with Sallie Mae has been absolutely horrible. It started when a family member offered to pay my student loans off. He and I contacted Sallie Mae to discuss whether or not we could negotiate the amount. After being transferred 5 times, the customer service rep from the Philippines informed us that we would need to view the information about a closed school or a dispute in the amount. I went to the website provided and saw that I could file the dispute due to the original disbursement amounts not matching. Sallie Mae had different amounts of money disbursed than what the school had. The amount totaled $3,148.42. I filled out the paper work and met with the director of financial aid at the college I attended. He also agreed that there was a discrepancy and sent in a letter to Sallie Mae telling them I was in my rights in requesting a meeting to discuss this issue.

I faxed this information in February 2011 and have not heard back from Sallie Mae. I have then proceeded to call the CSR line repeatedly asking to speak to their "back office" aka United States Yet, I again have never been contacted. I have been pleasant, I have been angry, I have been emotional but it gets me nowhere. I then decided I was not making any more payments until someone contacted me. I know this is risky but what really do I have to lose? I make payments and they seem to do nothing to the balance or the interest. I will never be able to pay this off. It is amazing how you attempt to make a better life by going to college and you are left with so much debt that nothing you do seems to matter.

I believe the actions of Sallie Mae are questionable. I do not understand that if a person wants to pay their loan off and are disputing $3,000 to the $27,000 amount owed what it matters. They will still be receiving the amount they gave me to attend school and more than $4,000 in interest. This is unethical and how they are continuing to get away with this is beyond my comprehension. At some point, the United States government will have to step in or the majority of the country will be in debt due to student loans which will cause a larger issue with the economy than could ever seem possible.

An individual decided to open a student loan without my authorization. Sallie Mae never checked if my living address was correct nor my date of birth. They processed the loan and gave the school (Columbia College of NY) the funds. They refuse to refund or provide information. Second, they refused to send a contract copy to me. I wouldn't pay and now I'm fighting them everyday, especially the collectors. I have evidence and the IP address of where the individual used to process the loan. They call me by the individual's name and his date of birth. After they wouldn't give me the information for the past three years, I had to pursue a lawyer and he alone got it all. Then I found Lexlaw.com to help with the letters to all my creditors. I have not lost yet! I will triumph! God is in control and I will not let these thieves take my pride and my hard work. I fought for this country and was wounded by the enemies and now this is what you do to a vet? Hell, no - and I won't take it anymore. Let's all stand and stop these thieves. I will plaster and discredit these morons until I die!

My loans were transferred from Citibank to Sallie Mae, and the experience has been terrible. I have six different student loans, and they have different interest rates, but the loans are all consolidated and I pay one fee each month. There was one loan with a higher interest rate, and I wanted to pay it off completely, so a customer service person separated out that loan for me, and I paid it off. However, when she did that, she took me off automatic bill pay and never put me back on. I missed one payment (because I thought I was on automatic bill pay), and my interest rates were raised. I have called numerous times over the past four months to try to get this issue resolved, always with the customer service person promising that they will personally make sure that the problem is resolved, but so far it hasn't been solved. This is extremely frustrating, and I am being penalized for their error.

Back in October, my student loan was unfortunately sold to Sallie Mae by Citibank. The Sallie Mae website is terrible! You can't view a proper statement of past months and they bill you for late fees even when you pay it on time. I called recently regarding this issue and they claim that it's Citibank charging the late fees when Citibank hasn't held the loan since October 2011. I have a letter from SM that describes the transfer of the loan and it even says "outstanding late fees 0.00". Those in Customer Service are, shall we say, less than intelligent and I demanded to be transferred to someone who knew what they were doing and this person wasn't any better. So how can Citibank, all of a sudden, be wanting to collect any and why 5 months later?! Any time I've tried to pay extra on my loan(s), it never goes to the principal - always ends up on interest. I will never pay these loans off and I think that is the point of how they they perform their business practices. I am so disgusted by the things that I have read on this site of the things SM has done to people. I wish there were some way to get my loans out of there!

Sallie Mae student loan: Sallie Mae has been, since September 2011, not applying my checks to my account and not responding to letters I have been mailing them, faxes, and emails with regard to my account. Sallie Mae has not responded to any fax, email, or written mail that I have sent over the last few months. When confronted about the missing payments, Sallie Mae reluctantly cooperated with applying the payments. The only phone call I have received from Sallie Mae since the summer of 2011 has been from the manager who told me that they were applying the payments for September, October, and November 2011 to my account.

Sallie Mae still states there is a balance due that does jive with my current payments due, leaving me suspicious that there may be more payments not properly posted to my account. With Sallie Mae refusing to respond to my multiple written, faxed, and emailed requests, I am unable to determine how the money "owed" is being calculated or where it is directly coming from.

To add to this, Sallie Mae keeps listing my account in default, but when I call, they will not resolve the matter with me. They are berating, snide, and threatening, when I am trying to resolve the matter. I have the right to question the account. My questions should be answered without beratement, threats to call the co-signer, judgment comments, or flat out refusal to answer my questions.

At this point, I believe that Sallie Mae is deliberately trying to place the account in default because of the continued refusal to cooperate with me with regard to answering my questions about how my account is being handled. For example, I can place three calls in a row trying to settle the matter, and not one call will result in the answers to my questions. Then I follow up by written letter, fax, and email.

I received a call about my son's loans, and the rep stated he was no longer in his program, because he missed a payment. He called them back and said he had not missed a payment. The rep told him the VP wanted him to pay more money every month. He has payments set up on the previous amount quoted until December 2012. He will never be able to support this economy because of the interest compounded. Every time he thinks he has this settled, there is another call or change. Someone needs to stop the legal loansharking by Sallie Mae.

My grandson used me as co-signer and I am now responsible for his loan. I was never contacted by Sallie Mae nor did I ever sign anything. My grandson did it over the internet. Most of the information was not correct. I have written Sallie Mae and contacted them from day one and nothing. They tell me that they are sorry but I am the cosigner on his student loan. He was 18 at the time and no job. I feel that if they did their job, they would have found out that the information he gave them was not correct. I just want my name removed!

I attempted to pay in full $21k which is the remainder of my balance with Sallie Mae. Sallie Mae has been compounding my interest on my supposed consolidated loan. Rather than putting the loans together and charging me 1 interest rate, they combined the amount and charged me 28.25% on my loan. They refused to separate the loans.

I paid the balance of my loan using a line of credit at my bank. The amount was taken out of my account and never applied to my Sallie Mae loan. I was advised that I would continue to accrue interest $296 a month on the account until they closed it after 30 days. After getting nowhere, I asked to speak to the manager, Roxanne, in the Customer Advocate department. Roxanne assured me the balance would be wiped out and that I would receive a letter within a few days. I will continue to keep tabs to make sure this actually happens. My advice to anyone dealing with Saliie Mae is to get out! I was able to do this pay taking out a line of credit at my bank and transferring the balance of my Sallie Mae to that. They make it impossible to pay them off. They should not be allowed to lend!

My problems began with Sallie Mae, after I co-signed a loan for my sister. She had a business go under and went through a divorce, forcing her to file bankruptcy. When this happened, Sallie Mae, with no prior contact to me, consolidated her loan into my account. I have two student loans of my own with them. They were charging me late fees and calling my house and employer up to ten times a day.

After a lot of patience and phone calls, I found a rep willing to help me. We got the problem resolved by placing the loans on two separate bills. My original two loans and my sister's on the other. My payment is $196.00 a month, and hers is $171.00. At the time, there were two account numbers; and without warning, they eliminated my sister's account number. She was making payments, and they had no clue where her money was going. So what they did to me when I made my $196.00 payment is disburse my money over the three loans, underpaying my two loans. Then they would charge late fees on three loans.

I then placed another phone call to customer service to track down her money and find out why I was being charged late fees. They said they would look into it and that I would hear from them shortly. The rep did call me back. She set up the account into two separate bills and told me to put my account number on my check with a -1 at the end of it and my sister was to put a -2 at the end of her account. The rep also gave me a phone number, so I could talk to her directly.

My payments were placed as they should for a while, then they started up again with spreading the payments out again The phone calls started up again. I called the rep who helped me, and the person who answered asked me how I got the number that I called. I asked for the person who helped me, and they would not let me talk to her and promptly hung up on me.

The very next day, I got a phone call from a rep from their Wisconsin call center, and I told the lady I was being harassed by her company. She got hostile with me and told me that I was not being harassed and that I needed to just pay my bills. I told her I wanted to speak to her supervisor and was hung up on. I tried to get on the website to file a complaint and was blocked out of it.

After making a few phone calls again, I was able to talk to a rep to get things straightened out again. I was assured that it was going to be taken care of and a change was made to my account number to reflect where the payments were to go. I got a letter from them which said they reviewed my account and the payments were applied back to where they needed to be.

This month's statement reflected something much different. I was able to go the the website and found out that even though my payments have never been late, I have been charged late fees every month since October. My payment is not due till the 28th of each month, and I make my payment on the 19th of each month. This company is like a revolving door. Just when you think things are ok, they come right back at you. I wish there was a way to file charges against their practices. I am so sick of the phone calls and the harassment. They have destroyed my once solid credit rating, which is now a very low score.

A couple of years ago, I began cosigning loans for my grandson. He flunked out and began ducking my calls. I got stuck (so I thought) for four of his loans. I began paying on them. I have paid a lot, bringing the balance from about $25k down to just over $20k. I finally got hold of the boy yesterday. He claimed he is paying $200 a month on one group of loans and $400 on another (seven loans altogether). I tried to call Sallie Mae this morning. I have talked to three people, all offshore. They didn't seem to know what they're doing. I was trying to ask the woman the first time if she could tell whether he's paying on these loans or not. She kept saying things like, "you'll just have to keep paying on the loans" or "is he paying the loans?".

I simply can't seem to get things through their head. This company is so dumb. I can't get things through their heads if they're offshore. Something has to be done. I asked a simple question that they should have been able to answer.

Sallie Mae will not fix their reporting error. I am a deployed soldier in Afghanistan. In May, a month before I left for deployment, I submitted deployment related deferment paperwork. They lost it. I did not realize I was being reported as "late" because, of course, I am at war and kind of busy. I was able to resubmit the paperwork in October, but they refused to go back and change my payment history for July and August because the "non-payment was reported correctly". I wanted to buy a home (what would have been mine and my wife's first), but I cannot because I have "payments" within the last year.

I am a co-signer on a student loan. Student is dying of bone marrow cancer, on trach and feeding tube. I am only source of income. We are getting an offer in compromise from federal and state tax due. Sallie Mae wants to increase payment each year. No offer in compromise possible. They call every week. I am stressed and feel harassed. Money is in the bank every month for the auto payment. What can be done to get relief short of my death? Our medical expenses are off the scale. We have lost everything. Now, Sallie Mae's intimidation is unbearable, any advice?

Incompetent/Unhelpful Customer Service: I have student loans that I pay regularly every month. I have applied for the Income-Based Repayment (IBR) plan every year. Last year, when it was time to reapply for the IBR, I had to call 4 different times. I received 4 different answers as to what was going on with the processing of my application. One person told me I didn't submit all the paperwork, even though I did.

I called again, and they can't see anything wrong with my application. So they send the processing center an email to reprocess. The 4th person actually was proactive and got her supervisor to make sure it was taken care of, and processing went through. This year, again! I fax my application off on January 26. I got an email stating I didn't send a signed 1040 with my application, though I sent the e-signature page because I file taxes online.

I called on 3/14/12, and the rep was nice and said she will send a priority email stating the e-signature page was included in the fax I sent. I called back on 3/29/12 to check status. She said the application was approved, and they haven't posted my payment plan yet and will send an email to have the website updated to show my new payment plan.

Two days later, I received another email which said they can't process the application because I didn't sign my 1040. Once again, I called on 4/2/12; and I got the most incompetent person I have ever encountered. I told her the scenario of what has happened, and after I was done, she said, "So you are going to be late on a payment and need to make payment arrangements?" No! I then have to repeat the phrase Income-Based Repayment three times, because she has no idea what it even is. I have to explain to her what an e-signature is because she repeats to me that I didn't sign my 1040. She has no idea what I am even talking about, as she must not have used a computer ever.

So after trying to educate her on Sallie Mae paperwork and lowering payment options her company has offered me, she said she would send an email to have my application reprocessed, which is essentially what the other two reps have already done. I asked her if there was any way at all she can contact the processing center and tell them which page the e-signature page is, so it won't be looked over again; and she said, "No, we can't talk to them, except through email."

Once again, I am shaking in my boots, because if I have to pay a huge loan payment, I won't be able to make my bills for the month because of their lack of competence or ability to provide any sort of customer service beyond sending an email and talking to me in their recorded voices. I am now going to fax in another copy of my IBR application with a different form besides my 1040 to see if they will process it correctly a different way. If I am going to have to go through this for the next 30 years, I am going to go crazy.

I co-signed for a friend with the assumption that after 15 months with on time payments that my name would be removed from the loan. After 15 months, I called and was told it had to be 24 months before the removal of my name. Well after 24 months when I called, I filled out the paper work and turned it in. Now they tell me that her credit score is not quite high enough and to try again in 60 days. This is a scam and there was never a mention of a credit score even though she has made all her payments to Sallie Mae on time. I will never ever do business with these scam artists again! Watch out for this trap from Sallie Mae.

My daughter has a student loan with Sallie Mae. She lives in London, UK and in order for he to make her payments we had to set up a bank account here in the USA. The account is in both her name and my husband's name. While she was doing her PhD. work she requested and thought she had received a deferment on her loan. However, because the bank account is also in his name my husband checks it regularly. We noticed that Sallie Mae had been deducting payments from the account. So in order to help our daughter we have made certain that there are sufficient funds to cover these deductions. But the really odd thing is that having made the deduction at the beginning of the month, Sallie Mae returns it the beginning of the following month and within a matter of days, makes the same deduction again.

Now on top of this, last Saturday, our daughter received an automated "do not reply" email from Sallie Mae stating that she is several months in default on the loan and that she needed to immediately make up the missing months of payments as well as pay a large late fee. None of this makes any sense. They take her money to use a month at a time without giving her account any credit. Also, during which time the money is not available to her or us. Then they turn around, practically force her to default, by requesting an outrageous sum. On top of everything, charge her for being late. And of course, she can never get a hold of anybody at Sallie Mae and no one will talk to us since we are not, thank God, cosigners and therefore, not legal parties to the loan. Has anybody had a similar situation and is there anything we can do about it?

Her whole experience with Sallie Mae has been a nightmare and being overseas only makes it worse. She didn't expect SM to accept British currency, but they wouldn't accept a check in American dollars from a branch of Citibank in London. She has literally spent hours on the phone just waiting to talk to someone. But we really question the legality of their latest stunt.

I have private student loans from Sallie Mae. Even when I paid on time, I still received phone calls wanting money. I called the customer advocate and requested the calls to stop. They stopped and so did any contact with them. No billing statements, no online account access, etc. Nothing. They changed the monthly amount due without telling me. I had no idea what to pay. They even put my loans in default without telling me. I only knew by a letter from the collection agency. After they denied me access to my own account, they almost doubled the amount of my loans with fees and interest. Then they conveniently placed it in default to get the tax write-off and placed it in collections with a company that they are affiliated with.

It is all a big scam and the students are the victim. I will be talking to an attorney later this week to see about getting something done with my credit report and help in dealing with Sallie Mae. They change the rules to suit them at any given moment. They refuse to put anything in writing. I can't even get a straight answer. I was even told that my late payment amount that I owe Sallie Mae continues to grow even if I make payments to the collection agency, because Sallie Mae still expects their original regularly scheduled monthly payments sent to them also! Our government gave them a big bailout so they could continue to screw us. Where is our rights? Where are our federal representatives and senators? Anyone interested in a class action lawsuit?

My daughter is in the Army and currently deployed in Afghanistan. She is enrolled in the SLRP program and the Army makes a payment of $7005 to Sallie Mae annually. A payment was made on August 25, 2011 and has not been posted to her account. The monies posted from the last payment they showed in 11/10 made her payments through February of 2012.

So now they show her as delinquent. She and my mother (a cosigner on one of her loans) get threatening letters and phone calls daily. I have called three times a week every week since March 1st, 2012 up to Friday March 23rd, 2012. I have spoken to at least 17 different people, and to this day, they can not get this payment posted. They are always very apologetic, and sure, they will get it done but there is still a delinquent status on her account. I am so fed up I am ready to scream! Do we have any recourse?

In late 2011, my student loan was moved from Citibank to Sallie Mae (not by my choice). For many years, I have been making payments in excess of my "minimum due" to pay down the principal balance on my loans. Sallie Mae's general practice is to apply additional funds to the next payment, rather than to the principle balance. For the last 4-5 months, Sallie Mae has required that I make the overpayment, and then wait 2-4 days for the payment to post and then call them back to have my overpayment applied to the principle balance. I have called back each month, met resistance from front line agents, and then had my excessive payments moved to apply to principle balances only after demanding a supervisor.

Of note, sometime between March 15th and March 25th, Sallie Mae put a new option on their website to "apply overpayment to principal". This must be the result of similar complaints or a pending law suit. I do not have a good interest rate, 7.5%. So every principal dollar counts! If I could move my loans back to Citi or any other lender with reasonable payment options, I would do so in a heartbeat. However, after contacting the govt. student loan support agency, I was told that I did not have any option in the matter, aside from taking out a personal loan or moving the debt to a credit card.

I am sick of dealing with Sallie Mae. I live overseas, and they charged me $14.00 administration fee to pay with my credit card. I do not have a bank account in the US, since I do not live here. They also began contacting me via email. I responded, and then they said I haven't contacted them (I have been unemployed for 4 months and let them know this in January 2012). Then, they try to add late fees to my account. This is trickery used to get more money. I am sick of it.

It was advertised at 2.5% and it slid up to 7% and I paid regularly for 7 years. Not a single missed payment. They lied to me and said if you keep paying, your sliding scale % will be between 2.5 and 8%. For me to be at 7% after 6 years of paying back like clockwork is insane. The debt is barely going down!

Late 2011, with no real notice, I was informed Sallie Mae now owns my Student loan. I had years with Citigroup and no problems. I was set up on the electronic email bill notice and would pay each month with no problems. As soon as Sallie Mae took over, they allowed me to do the same electronic notice and payment and then with no notice switched it to paper.

I travel often and my mail sits and now my payments are late. I switched back to electronic payments but they never inform me that the payment is due via email. Instead, they insist on sending paper. I just went through the process again to switch it to email notification, but now I've been penalized for late payments. Where is their accountability? It feels more like bait and switch so they can collect late fees. I really hate Sallie Mae. How can I switch to a respectable loan holder?

In Dec 2011, I set up payment arrangements with Sallie Mae. On Jan 3, the first payment came out as scheduled and planned, my scheduled payments were Jan 3rd, Feb 25th, March 24th and April 21st. On Jan 31, they took another (unauthorized) payment out which sent my account into overdraft.

I contacted Sallie Mae of the error on their part and asked for them to put the money back as well as send a letter to my bank explaining their error, so my bank would refund all of the overdraft fees I received due to the unauthorized payment. I received a letter a few days later telling me that they would not put the money back nor send the letter to my bank and that they had the right to take the money out. I then cancelled my bank card so they would not take any more unauthorized payments out of my account. They tried again the first week of Feb to take another unauthorized payment out. When it would not go through, I started getting threatening and rude phone calls from Sallie Mae.

I again tried to explain to Salle Mae what had happened and told them since why they did not return the unauthorized payment that was taken in Jan that they needed to apply that payment to my Feb payment. They told me that was not how they did business, they then accused me of not making payments and that they did not receive payments that they had already received. I sent them copies of my bank statements confirming that they did receive two payments in January (one in which they were not supposed to take out and they just got into my account and took it) and again contacted my bank and did further research on it. I was again told that yes the money did come out of my account and was paid to Sallie Mae.

I told Sallie Mae of this again and asked for the fax number of the person I was speaking to, so I could fax the information to her and was told, no they didn't want it. At one point, they spoke to my mother as well, and also called her a liar and were very disrespectful and rude to her. They treated me very rudely and are a very unethical, immoral and unprofessional company. People need to be made aware of Sallie Mae's lack of business ethics and unprofessionalism.

My son received student loans from Sallie Mae. To help him, I co-signed on the loan. They have begun calling my son and I everyday and sometimes, twice a day. They insist on you providing them with confidential information such as birth date and social security number before they will talk to you. When you refuse to provide them with that confidential information, they say that they can not talk to you but then keep calling you - phone harassment. They refused to extend my son's loan even though he remains unemployed after graduation, causing us to make his payments. We have made the payments, but they continue to call and harass us.

In 2010, I received notice from Sallie Mae that my student loan was in default. I tried several times to make financial arrangements with them. I explained that I was disabled & my only source of income was my disability check. They sent me paperwork numerous times that I filled out and returned. They sent me from department to department, giving me the run around. No one was willing to make actual payment arrangements. They would contradict each department or service representative. They would tell me another company had purchased my loan and I had to speak to them to make arrangements.

In the fall of 2011, Sallie Mae began to garnish my social security disability benefits even though they claimed to not own my loan and was unable to make any payment arrangements. In August 2011 the company that claimed to be the holder of my Sallie Mae loan said that I'd have to file for a discharge before they could make any type of loan consolidations or payment arrangements. They sent me the paperwork which I had my physician fill out and I returned it to them. I heard nothing from anyone for months. When I finally called in November, they said too much time had passed from when I had sent the paperwork in and I needed to resubmit it. I sent the paperwork again not just to the holding company, but to Sallie Mae because they are the company listed on the garnishment from the US Treasury Dept. Sallie Mae responded by saying my physician didn't fill out or sign the papers and to have them filled out by the physician. The papers had been filled out by the physician and signed by her.

I sent a copy back to them. They sent a letter stating the same thing and that the physician ID # didn't match. When I called Sallie Mae, they gave me the run around stating they didn't own my loan and when I said they are garnishing my income they had no explanation. I sent the papers again to both companies and again the same letter was sent to me. I know the ID is fine and the papers are filled out correctly because Great Lakes Higher Education processed the same papers on my other student loan without any trouble and in fact, granted the discharge.

It is now March 2012 and Sallie Mae continues to garnish my wages and continues to send the same exact letter no matter how many times I submit the papers. I've even had the physician fill out new paperwork so that they couldn't say they had expired. They still refuse to process the papers. It is my belief that Sallie Mae and any company acting with them or for them doesn't want to process my papers correctly because a discharge would mean no money for them. Business practices like this should not be allowed. If Sallie Mae doesn't own my loan, they shouldn't be able to take money from me and they should have to return every penny they have collected. Regardless of who owns the loan the papers should be processed and not returned each time with the same letter? Sallie Mae and the companies who are involved in this fraud should be held accountable and prosecuted.