{"took":322,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":36,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8951815","_score":16.076984,"_source":{"product":"Student loan","complaint_what_happened":"I am writing to file a formal complaint regarding the unauthorized sale of my personal information by Sallie Mae, a matter that directly contravenes the provisions outlined in 15 U.S. Code 1666b. I recently discovered that my personal information, including sensitive financial details, was sold by Sallie Mae without my explicit consent or knowledge. This unauthorized sharing of my information has raised significant concerns about privacy and compliance with federal regulations.\n\nAccording to 15 U.S. Code 1666b, creditors are required to obtain affirmative consent before disclosing certain types of information to non-affiliated third parties. In this case, Sallie Mae 's actions appear to have violated these regulations, as I did not authorize the sharing or sale of my personal data to any external parties. This breach of trust has not only compromised my privacy but also undermined my confidence in Sallie Mae 's commitment to handling customer information responsibly and in accordance with federal laws. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure compliance and protect consumer rights.","date_sent_to_company":"2024-05-07T21:26:23.000Z","issue":"Improper use of your report","sub_product":"Private student loan","zip_code":"91351","tags":null,"has_narrative":true,"complaint_id":"8951815","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2024-05-07T21:15:15.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["I am writing to file a formal complaint regarding the unauthorized sale of my personal information by <em>Sallie</em> Mae, a matter that directly contravenes the provisions outlined in 15 U.S. Code 1666b. I recently discovered that my personal information, including sensitive financial details, was sold by <em>Sallie</em> Mae without my explicit consent or knowledge. This unauthorized sharing of my information has raised significant concerns about privacy and <em>compliance</em> with federal regulations."]},"sort":[16.076984,"8951815"]},{"_index":"complaint-public-v1","_id":"15986318","_score":15.496041,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint regarding inaccurate and unlawful reporting by Sallie Mae. They are currently reporting multiple student loan accounts as charged off, with balances of {$9900.00}, {$2600.00}, {$13000.00}, and {$14000.00}. \n\nThis reporting is inaccurate because the charge-off entries are older than XXXX ( XXXX ) years and should no longer be appearing on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs is not permitted to remain beyond XXXX years from the date of first delinquency. Sallie Maes continued reporting of these outdated accounts is a direct violation of FCRA 605 ( a ). \n\nI have already disputed this information with the credit bureaus, yet Sallie Mae continues to furnish the same inaccurate data. This is unfairly damaging my credit profile, lowering my scores, and harming my ability to access credit, housing, and fair financial opportunities. \n\nI am requesting that Sallie Mae immediately delete these accounts from my credit reports in compliance with the FCRA.","date_sent_to_company":"2025-10-23T13:12:14.000Z","issue":"Attempts to collect debt not owed","sub_product":"Private student loan debt","zip_code":"60649","tags":null,"has_narrative":true,"complaint_id":"15986318","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2025-09-17T05:28:09.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["<em>Sallie</em> Maes continued reporting of these outdated accounts is a direct violation of FCRA 605 ( a ). \n\nI have already disputed this information with the credit bureaus, yet <em>Sallie</em> Mae continues to furnish the same inaccurate data. This is unfairly damaging my credit profile, lowering my scores, and harming my ability to access credit, housing, and fair financial opportunities. \n\nI am requesting that <em>Sallie</em> Mae immediately delete these accounts from my credit reports in <em>compliance</em> with the FCRA."]},"sort":[15.496041,"15986318"]},{"_index":"complaint-public-v1","_id":"18347258","_score":15.113776,"_source":{"product":"Student loan","complaint_what_happened":"Sallie Mae has been placed on clear notice of a bona fide billing dispute involving charges for educational services that were never delivered. Despite this notice, Sallie Mae has refused to conduct any investigation or place the account into a dispute hold unless I first make XXXX additional monthly payments. \n\nConditioning a billing dispute investigation on continued payment for a balance whose legitimacy is unresolved constitutes an unfair and abusive act or practice under the Consumer Financial Protection Act. It effectively forces consumers to pay amounts that may not be owed in order to obtain basic dispute review.\n\nSallie Maes refusal to investigate while continuing collection activity also creates a substantial risk of inaccurate credit reporting, in violation of its obligations as a data furnisher under the Fair Credit Reporting Act. Sallie Mae can not reasonably certify the accuracy of the reported balance while simultaneously refusing to verify whether the disputed charges are valid.\n\nI have repeatedly requested only procedural compliance : a billing investigation, a medical hardship review, and suspension of collection activity while the dispute is resolved. Sallie Mae has declined all such requests, citing internal policy rather than any legal authority. \n\nI am willing to pay for the XXXX hours of instruction actually received. I will not make payments toward disputed charges for training hours that were never delivered. \n\nIf Sallie Mae continues collection activity or reports adverse information without first conducting a good-faith investigation, I reserve all rights to pursue further regulatory complaints, including but not limited to enforcement review by the Consumer Financial Protection Bureau , state consumer protection authorities, and claims related to inaccurate credit reporting and unfair debt collection practices.\n\nThis complaint seeks immediate intervention to require Sallie Mae to cease collection activity, conduct a proper investigation of the disputed balance, and comply with its legal obligations.","date_sent_to_company":"2025-12-29T19:06:50.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"11783","tags":"Servicemember","has_narrative":true,"complaint_id":"18347258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2025-12-29T19:03:46.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I have repeatedly requested only procedural <em>compliance</em> : a billing investigation, a medical hardship review, and suspension of collection activity while the dispute is resolved. <em>Sallie</em> Mae has declined all such requests, citing internal policy rather than any legal authority. \n\nI am willing to pay for the XXXX hours of instruction actually received. I will not make payments toward disputed charges for training hours that were never delivered."]},"sort":[15.113776,"18347258"]},{"_index":"complaint-public-v1","_id":"5812724","_score":15.024099,"_source":{"product":"Student loan","complaint_what_happened":"I enrolled in a cohort program which offered a accelerated certification, the loan service provider Sallie Mae offered me support for the program yet the university did not allow me to move forward. After enrollment a month in a half into course I learned that the device that was being used was not compatible with the software needed to complete the course. Sallie Mae offered the extension for that yet the university would not allow it to be used they referenced it as \" Pace compliance ''. I tried to communicate with both entities that the program specifications and requirements discussed and disclosed prior did not match what the experience of service was and accept the solution offered by Sallie Mae yet due to processing issues I have not been able to attend. Sallie Mae advised that a disbursement for the program was given to the university and it would have to be sent back yet the university declined. I was given the run around and now have a debt that has not been sourced for use on my credit report. The University states that they do not have funds to send back and that I was given misleading information from the lender. They state that the payment processing did not go through on there end. \n\nCourse start date XX/XX/XXXX _ XX/XX/2022 anticipated completion XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Sallie Mae Loan amount for program : {$4800.00} Equipment to complete program request : {$9800.00} total amount","date_sent_to_company":"2022-07-26T19:39:13.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"30252","tags":null,"has_narrative":true,"complaint_id":"5812724","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2022-07-26T18:44:30.000Z","state":"GA","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I enrolled in a cohort program which offered a accelerated certification, the loan service provider <em>Sallie</em> Mae offered me support for the program yet the university did not allow me to move forward. After enrollment a month in a half into course I learned that the device that was being used was not compatible with the software needed to complete the course. <em>Sallie</em> Mae offered the extension for that yet the university would not allow it to be used they referenced it as \" Pace <em>compliance</em> ''."]},"sort":[15.024099,"5812724"]},{"_index":"complaint-public-v1","_id":"21074422","_score":14.406271,"_source":{"product":"Student loan","complaint_what_happened":"Complaint : I submitted a hardship request to Sallie Mae seeking assistance due to my financial situation. I did not receive any meaningful response or resolution. \n\nDespite this, Sallie Mae has continued aggressive collection activity, including : Repeated and unscheduled calls Contacting my daughter and an elderly family member Placing pressure on co-signers instead of working with me directly Failing to coordinate communication despite my attempts to engage My daughter is currently dealing with health issues, and my elderly family member suffers from XXXX. These contacts are inappropriate and distressing. \n\nAdditionally, I have attempted to contact Sallie Mae directly, including calls on XX/XX/XXXX and XX/XX/XXXX, where I was either unable to reach a representative or placed on hold for extended periods. \n\nI am requesting : Immediate review and response to my hardship request Structured and scheduled communication only Cessation of excessive and uncoordinated collection activity Appropriate handling of communication with vulnerable individuals This situation requires immediate attention.\n\nPlease confirm receipt and compliance. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-04-09T00:43:19.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"37205","tags":"Older American","has_narrative":true,"complaint_id":"21074422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2026-04-08T23:58:57.000Z","state":"TN","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["Please confirm receipt and <em>compliance</em>. \n\nSincerely, XXXX XXXX XXXX"]},"sort":[14.406271,"21074422"]},{"_index":"complaint-public-v1","_id":"15222447","_score":13.978965,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is not a duplicate complaint. This is a follow-up based on XXXX XXXX continued noncompliance after CFPB review in case # XXXX. \n\nIn the prior complaint, Sallie Mae responded only with generic promissory notes and self-certification forms. In my feedback, I documented that these are boilerplate origination documents and do not satisfy their duties under FCRA 611 and 623 ( b ). They failed to : ( 1 ) conduct a reasonable investigation of my specific dispute, ( 2 ) review all relevant account-level records, and ( 3 ) delete or correct unverifiable data. \n\nThey have not provided : Disbursement ledgers showing dates, amounts, and payees ; Servicing history including deferments, forbearances, hardship requests, and default date calculations ; Collection activity logs ; Proof of when my tradelines were first marked disputed.\n\nSallie Maes continued furnishing of disputed, unverifiable information violates FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 3 ). This is a new compliance failure that occurred after the CFPB closed the prior case and constitutes ongoing harm to my creditworthiness.\n\nI request the CFPB require Sallie Mae to produce full account-level documentation supporting each disputed tradeline or delete the tradelines from all CRAs.","date_sent_to_company":"2025-08-12T02:27:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"73507","tags":null,"has_narrative":true,"complaint_id":"15222447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2025-08-12T02:00:01.000Z","state":"OK","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Sallie</em> Maes continued furnishing of disputed, unverifiable information violates FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 3 ). This is a new <em>compliance</em> failure that occurred after the CFPB closed the prior case and constitutes ongoing harm to my creditworthiness.\n\nI request the CFPB require <em>Sallie</em> Mae to produce full account-level documentation supporting each disputed tradeline or delete the tradelines from all CRAs."]},"sort":[13.978965,"15222447"]},{"_index":"complaint-public-v1","_id":"13645308","_score":13.969677,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint concerns Sallie Maes ongoing and escalating pattern of illegal, harassing, and willful contact, despite multiple formal cease-contact requests and a legally binding revocation of consent under federal law. \n\nOn XX/XX/XXXX, I submitted a written opt-out request via SMS, instructing Sallie Mae XXXX XXXX all contact. Sallie Mae explicitly acknowledged this revocation in writing by responding, No further messages will be sent. This message meets the legal standard for revocation of consent under the Telephone Consumer Protection Act ( 47 U.S. Code 227 ), and aligns with federal case law, which holds that consent XXXX be revoked by any reasonable method ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). Despite this, Sallie Mae continued to contact me in clear, willful violation of federal law. \n\nSpecifically, after XX/XX/XXXX, I received : XXXX phone calls XXXX automated or prerecorded voicemails Each of these contacts represents an individual violation of the XXXX and potentially the FDCPA. \n\nAdditional facts : I also verbally revoked consent during XXXX separate live calls with Sallie Mae agents. These verbal cease-contact requests were ignored. \n\nI submitted multiple CFPB complaints, each explicitly requesting that Sallie Mae cease contact and discharge my loans. Sallie Mae acknowledged these complaints but continued contacting me, often via the same methods I had previously objected to. \n\nI sent itemized invoices via email, documenting each illegal call and associated monetary damages. These were never addressed. \n\nUpon following up, I received email bounce-back notifications, indicating I had been blocked from further communication. This retaliatory action further illustrates bad faith. \n\nI also sent a certified cease-contact and loan discharge demand to XXXX XXXX XXXX department XXXX The letter was delivered and marked received on XX/XX/XXXX. Sallie Mae has never acknowledged or responded to this letter in any form. \n\nIn a XX/XX/XXXX written response, Sallie Mae admitted to the use of an autodialer, which directly substantiates willful XXXX violations and undermines any defense that calls were manually placed. \n\nI have also received a series of automated emails post-opt-out, some of which used suggestive language warning of unspecified consequences. While I am not requesting damages for these emails, they further support a sustained campaign of psychological pressure, harassment, and retaliatory conduct. \n\nIn their identical responses to each CFPB complaint, Sallie Mae asserted that I am not entitled to any compensation due to the terms of my loan contracts. I must emphasize : this complaint is not about the loan terms themselves. I took out these loans between the ages of XXXX and XXXX, and while I lacked the capacity at the time to fully understand the legal and financial complexity of these agreements, that is not the basis of my complaint. This complaint concerns XXXX XXXX willful misconduct, abusive collection tactics, and violations of federal law committed against me as an adult borrower. \n\nGiven the totality of these facts, Sallie Mae has demonstrated : Willful and repeated violations of federal law Predatory and retaliatory behavior A persistent pattern of harassment Complete disregard for multiple legal cease-contact directives Resolution Requested : I am requesting either full discharge of all loan balances and interest, or a substantial cash settlement in the amount of {$100000.00}. This amount is proportional not only to the scale and illegality of the violations, but also to the duration of the harassment and the emotional and mental toll it has taken. Despite multiple formal and reasonable attempts to have this contact cease via SMS, verbal phone requests, written emails, certified mail, and CFPB complaints Sallie Mae has continued to ignore these requests and has escalated its pattern of misconduct. The requested settlement reflects the severity of the violations, the emotional distress incurred, and the failure of Sallie Mae to respond in good faith over an extended period of time. \n\nI have contacted legal counsel and am fully prepared to initiate formal litigation if this matter is not resolved promptly. My documentation includes complete, time-stamped records of all unlawful contact, including call logs, voicemail recordings, CFPB filings, email transcripts, certified mail receipts, and Sallie Maes XXXX XXXX of autodialer use. This evidence has been professionally organized for federal XXXX and FDCPA litigation and will be presented in full if necessary. \n\nThis complaint is not symbolic. It reflects a serious, ongoing violation of consumer protection laws. I respectfully request the CFPB treat this as a high-risk compliance matter and take appropriate action to hold Sallie Mae XXXX for its sustained and willful misconduct.","date_sent_to_company":"2025-05-21T03:24:50.000Z","issue":"Communication tactics","sub_product":"Private student loan debt","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"13645308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2025-05-21T02:56:36.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["I respectfully request the CFPB treat this as a high-risk <em>compliance</em> matter and take appropriate action to hold <em>Sallie</em> Mae XXXX for its sustained and willful misconduct."]},"sort":[13.969677,"13645308"]},{"_index":"complaint-public-v1","_id":"18864480","_score":13.438465,"_source":{"product":"Student loan","complaint_what_happened":"I am the debtor and primary borrower on certain private student loan accounts serviced by Sallie Mae. \nI filed a voluntary petition for relief under XXXX XXXX of the Bankruptcy Code. An automatic stay pursuant to 11 U.S.C. 362 ( a ) became effective in XXXX and remained in effect until XX/XX/XXXX. ( see documentation below. ) Sallie Mae received notice of my bankruptcy filing and issued electronic communications acknowledging the bankruptcy and stating that no payment was due at that time. ( see documentation below. ) During the automatic stay, Sallie Mae restricted my access to my online borrower account, preventing me from viewing loan balances, payment status, correspondence, or notices. No physical mail regarding payment obligations or account status was sent to me during this period. \nWhile the automatic stay was in effect, Sallie Mae unilaterally altered its internal servicing designation by treating the cosigner as the primary borrower, despite the loan contract identifying me as the primary borrower. ( see documentation below. ) During the stay, Sallie Mae contacted the cosigner by telephone and electronic communications seeking payment on the loans. These communications occurred while Sallie Mae had knowledge of the bankruptcy filing and the automatic stay. \nThe cosigner did not have an online account with Sallie Mae and did not select electronic delivery preferences. Sallie Mae nevertheless relied on electronic communication preferences selected by me to justify the absence of mailed notices, while sending electronic messages stating that documents were available online. \nAfter termination of the automatic stay, Sallie Mae reverted the borrower and cosigner designations to their original status and asserted that the loans were delinquent due to nonpayment during the automatic stay, demanding retroactive payment for that period. ( see documentation and recorded communication below ) Sallie Mae reported the loans as XXXX or more days past due to consumer reporting agencies beginning in XXXX, including periods when the automatic stay was in effect. ( see documentation below. ) Any alleged delinquency arose solely from XXXX XXXX conduct during the automatic stay and did not exist prior to the bankruptcy filing. \nXXXX XXXX actions caused emotional distress, significant time expenditure, and damage to my credit profile, and interfered with the fresh start protections afforded by the Bankruptcy Code.\n\nSallie Mae had actual notice of my Chapter 7 bankruptcy and the automatic stay imposed under 11 U.S.C. 362. Notwithstanding that notice, Sallie Mae engaged in conduct that includes, but is not limited to : ( 1 ) indirect collection activity during the automatic stay by reclassifying the cosigner as the primary borrower and contacting the cosigner for payment ; ( 2 ) restricting borrower access to account information while representing that no payment was due ; ( 3 ) retroactively assessing delinquency for the stay period ; and ( 4 ) furnishing inaccurate delinquency information to consumer reporting agencies.\n\nAnticipated Company Position and Clarification 1. Internal Policies and Procedures Anticipated Position : Sallie Mae may state that its internal policies and procedures were followed. \n\nClarification : Internal policies and procedures do not supersede federal consumer protection laws applicable to private student loan lenders and servicers. Even where a company asserts compliance with its internal processes, the resulting conduct must still comply with : UDAAP prohibitions under 12 U.S.C. 5531 and 5536, FCRA accuracy and furnishing obligations under 15 U.S.C. 1681s-2, and Bankruptcy Code protections, including the automatic stay under 11 U.S.C. 362.\n\nIn this matter, Sallie Maes procedures resulted in the assessment of retroactive delinquency for a legally protected period, conflicting representations regarding payment obligations, and furnishing of misleading credit information. A servicing practice that produces outcomes inconsistent with federal law is not compliant, regardless of whether it aligns with internal policy. \n\n2. Credit Reporting Accuracy and Automation Anticipated Position : Sallie Mae may assert that credit reporting is accurate, automated, or outside its control once furnished to consumer reporting agencies.\n\nClarification : Under the Fair Credit Reporting Act, furnishersincluding private student loan lendersare responsible for ensuring the accuracy and completeness of information they provide to consumer reporting agencies. Reporting an account as delinquent for a period during which : payment was subject to a bankruptcy automatic stay, and the borrower was informed that no payment was due, is materially misleading. The use of automated systems does not relieve a furnisher of its statutory obligation to ensure that reported information accurately reflects the legal status of the account. \n\n3. Cosigner Liability and Collection Activity Anticipated Position : Sallie Mae may contend that collection activity was permissible because a cosigner remained contractually liable.\n\nClarification : While a cosigner may remain liable under the loan contract, the conduct at issue exceeded permissible cosigner collection. During the bankruptcy period, Sallie Mae : internally altered borrower and cosigner designations without notice or authorization, relied on that alteration to maintain account activity during the automatic stay, and subsequently reversed the designation and carried forward delinquency to the primary borrower. \n\nThis sequence reflects procedural handling that materially affected account status and post-bankruptcy delinquency, rather than ordinary cosigner collection activity, and directly contributed to retroactive payment demands and credit reporting harm. \n\n4. Repayment Programs and Upfront Payment Requirements Anticipated Position : Sallie Mae may state that repayment or assistance programs require financial review and an upfront payment before eligibility can be determined.\n\nClarification : While private student loan lenders may evaluate financial information, conditioning access to repayment options on an unspecified and undisclosed upfront payment, while refusing to disclose eligibility criteria or required amounts, raises concerns under XXXX. Withholding material information needed for a consumer to understand available options and obligations, while simultaneously demanding payment, constitutes unfair and potentially abusive servicing conduct. \n\nPurpose of This Clarification These clarifications are provided to ensure the CFPBs review focuses on the legal effect of XXXX XXXX servicing practices, rather than on whether internal policies were followed. The issues raised concern post-bankruptcy payment handling, credit reporting accuracy, and transparency, all of which are subject to federal consumer protection requirements for private student loan lenders.","date_sent_to_company":"2026-01-20T18:34:14.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"76001","tags":null,"has_narrative":true,"complaint_id":"18864480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2026-01-20T16:56:10.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Even where a company asserts <em>compliance</em> with its internal processes, the resulting conduct must still comply with : UDAAP prohibitions under 12 U.S.C. 5531 and 5536, FCRA accuracy and furnishing obligations under 15 U.S.C. 1681s-2, and Bankruptcy Code protections, including the automatic stay under 11 U.S.C. 362."]},"sort":[13.438465,"18864480"]},{"_index":"complaint-public-v1","_id":"18233967","_score":13.398503,"_source":{"product":"Credit card","complaint_what_happened":"I applied as a cosigner for a Sallie Mae Smart Option Student Loan on or about XX/XX/2025. Sallie Mae denied my application and issued an Adverse Action Notice listing reasons such as no account reported, worst ever delinquent or derogatory status, inquiry volume, and mortgage account factors. \n\nThese reasons are vague, inconsistent, and not reflective of my actual credit profile, which showed a TransUnion credit score of approximately XXXX at the time of application. The notice did not identify any specific account, creditor, date, balance, or derogatory event supporting the denial. \n\nI raised these concerns with Sallie Mae. In response, the company stated that decisions are based on automated lending criteria and that the credit inquiry is valid and can not be removed. This response does not address the core issue : failure to provide specific, accurate, and verifiable reasons for adverse action, as required by federal law. \n\nAutomated underwriting does not exempt creditors from compliance with disclosure obligations under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and Regulation B, nor does it excuse failures under the Fair Credit Reporting Act ( 15 U.S.C. 1681m ) when a credit score is used. \n\nAdditionally, the lack of meaningful disclosure violates the XXXX XXXX XXXX XXXX, 12 CFR 360.62 ( misleading or incomplete financial decision disclosures ), and raises concerns under 17 CFR 260.11 ( b ) ( 1 ) regarding material omissions in financial communications. \n\nHarm Denial of my ability to serve as a cosigner Inability to understand or correct the alleged basis for denial Exposure to adverse credit treatment without lawful disclosure Requested Resolution Written confirmation that my cosigner application is withdrawn and voided, with confirmation that no adverse reporting beyond the inquiry has occurred Full disclosure of all information, reports, scoring models, and criteria used in evaluating my application Confirmation of XXXX XXXX compliance with XXXX, FCRA, XXXX, and applicable federal regulations","date_sent_to_company":"2025-12-22T23:59:23.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"18233967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2025-12-22T23:49:46.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["I applied as a cosigner for a <em>Sallie</em> Mae Smart Option Student Loan on or about XX/XX/2025. <em>Sallie</em> Mae denied my application and issued an Adverse Action Notice listing reasons such as no account reported, worst ever delinquent or derogatory status, inquiry volume, and mortgage account factors. \n\nThese reasons are vague, inconsistent, and not reflective of my actual credit profile, which showed a TransUnion credit score of approximately XXXX at the time of application."]},"sort":[13.398503,"18233967"]},{"_index":"complaint-public-v1","_id":"13502332","_score":12.785387,"_source":{"product":"Student loan","complaint_what_happened":"Hello, my name is XXXX XXXX. Im calling in reference to my loan. I recently learned that calls have been made to individuals who are not associated with my account. I want to make it clear that no one else is authorized to receive information about my loan. These calls are unwanted and could be a violation of the Fair Debt Collection Practices Act. Please cease all communication with third parties not listed on my account immediately. I am requesting that you update your records and confirm in writing that these contacts will stop. \n\nI am filing this complaint against Sallie Mae ( also known as XXXX XXXX ) regarding repeated and unauthorized contact with individuals not listed on or associated with my student loan account. \n\nSallie Mae has contacted an acquaintance named XXXX XXXX, despite the fact that this individual is not a co-signer or authorized to discuss my loan. These contacts are not only unwarranted but also a violation of my privacy. \n\nUnder the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are not permitted to discuss my loan with third parties or repeatedly contact them. XXXX XXXX actions are harassing and invasive, and I request that regulatory authorities take appropriate action to investigate and enforce compliance. \n\nThank you for your assistance.","date_sent_to_company":"2025-05-14T15:31:09.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"20746","tags":null,"has_narrative":true,"complaint_id":"13502332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2025-05-14T15:13:46.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["XXXX XXXX actions are harassing and invasive, and I request that regulatory authorities take appropriate action to investigate and enforce <em>compliance</em>. \n\nThank you for your assistance."]},"sort":[12.785387,"13502332"]},{"_index":"complaint-public-v1","_id":"20048196","_score":12.722945,"_source":{"product":"Student loan","complaint_what_happened":"Thank you for the response. However, the explanation provided by Sallie Mae does not address the core issues raised in my complaint and fails to provide the documentation necessary to verify the accuracy of my interest rate calculations. \n\nMy promissory note clearly states that the variable interest rate must be calculated using the one-month XXXX index rounded up to the nearest one-eighth of one percent ( 0.125 % ) before the fixed margin is applied. The examples I provided demonstrate multiple months in which Sallie Mae charged a rate 0.125 % higher than the maximum permitted under the contract, even when applying the rounding rules specified in the agreement. \n\nExamples Examples of Overcharging ( XX/XX/XXXX XXXX XXXX ) Month XXXX ( % ) Rounded Index ( % ) Contractual Rate ( % ) Actual Charged ( % ) Overcharge ( % ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Example Calculation XX/XX/XXXX : Published XXXX XXXX : 4.32689 % Rounded UP to nearest 0.125 % : 4.375 % Margin : XXXX % Contractual Rate : 13.750 % Actual Charged by Sallie Mae XXXX 13.875 % Overcharge : 0.125 % Note : Even if rounding were applied after adding the margin, the resulting rates would not change. This confirms that the overcharges can not be explained by rounding order ; Sallie Mae consistently charged rates above the contractual maximum The response from Sallie Mae does not dispute the specific XXXX values I cited, nor does it provide a calculation showing how the rates they charged were derived. Instead, the response appears to rely on unspecified internal policy or generalized statements about how rates are determined. Internal policies can not override the clear contractual language contained in the promissory note. \n\nTo resolve this matter, I request that Sallie Mae provide the following information : 1. The exact interest rate calculation used for each billing cycle beginning in XXXX through the present. \n2. The specific XXXX value ( or replacement index value ) used for each rate adjustment. \n3. The rounding methodology applied to the index, demonstrating how the final interest rate was calculated in accordance with the promissory note.\n\n4. Documentation identifying the replacement index and spread adjustment used after XXXX cessation, along with confirmation that the replacement methodology complies with the terms of the loan agreement. \n5. A complete audit of my account identifying any months where the interest rate exceeded the contractual formula and a refund of all excess interest charged, including any compounded interest effects. \n\nWithout this information, I can not verify that Sallie Mae has complied with the terms of the loan agreement. Simply stating that the rates were determined according to internal procedures does not resolve the discrepancy between the contractual formula and the rates actually charged. \n\nAdditionally, the companys response did not address the credit reporting harm caused by the inflated balance, including the XX/XX/XXXX late payment that resulted from the incorrect loan balance. If the balance was inflated due to excess interest charges, the reported delinquency would also be inaccurate and must be corrected. \n\nI respectfully request that the CFPB require Sallie Mae to provide a complete accounting of the interest rate calculations, correct any overcharges, and update any inaccurate credit reporting associated with the account. \n\nUntil a transparent calculation is provided that demonstrates compliance with the promissory note, the issue remains unresolved.","date_sent_to_company":"2026-03-06T20:10:58.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"08753","tags":null,"has_narrative":true,"complaint_id":"20048196","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2026-03-06T20:05:29.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I respectfully request that the CFPB require <em>Sallie</em> Mae to provide a complete accounting of the interest rate calculations, correct any overcharges, and update any inaccurate credit reporting associated with the account. \n\nUntil a transparent calculation is provided that demonstrates <em>compliance</em> with the promissory note, the issue remains unresolved."]},"sort":[12.722945,"20048196"]},{"_index":"complaint-public-v1","_id":"5212002","_score":12.57971,"_source":{"product":"Debt collection","complaint_what_happened":"I had a debt that was sent to XXXX XXXX from Sallie Mae. I settled the debt out with paying less than I owed last year in 2021. I received two 1098- E statements issued for the amount {$3300.00}, but with separate Lender Name 's and TIN. I am unsure which one I should use to file my taxes, which I have been transferred several times and have gotten no where. \n\nXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX Why would I receive two 1098E statements for the same debt. Also, I received a 1099C on the canceled portion of the debt, but per Notice XXXX that lenders are not required to, and should not, issue Forms 1099XXXXC when certain student loans are discharged. Lenders and their servicers should act now to review their tax reporting procedures for compliance with the Notice. \n\nBased off review of the notice, it pertains to private student loans, which this company collected on behalf of Sallie Mae, which would considered a private student. The company issued the 1099C, which would impact my taxes and cause me to have to pay taxes on the canceled amount.","date_sent_to_company":"2022-02-11T17:49:57.000Z","issue":"Written notification about debt","sub_product":"Private student loan debt","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"5212002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2022-02-11T17:49:53.000Z","state":"MI","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Notification didn't disclose it was an attempt to collect a debt"},"highlight":{"complaint_what_happened":["Lenders and their servicers should act now to review their tax reporting procedures for <em>compliance</em> with the Notice. \n\nBased off review of the notice, it pertains to private student loans, which this company collected on behalf of <em>Sallie</em> Mae, which would considered a private student. The company issued the 1099C, which would impact my taxes and cause me to have to pay taxes on the canceled amount."]},"sort":[12.57971,"5212002"]},{"_index":"complaint-public-v1","_id":"18606576","_score":12.533904,"_source":{"product":"Debt collection","complaint_what_happened":"Cease and Desist Unauthorized Communications and Credit Reporting Account : XXXX Sallie Mae XXXX This letter constitutes formal written notice pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). \nCreditor : SALLIE MAE BANK  XXXX XXXX. \nCredit Reporting Agency Impacted : XXXX XXXX XXXX  To Whom It May Concern, This letter constitutes formal written notice pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). \nI hereby demand that Sallie Mae Bank XXXX XXXX, including any agents, affiliates, servicers, data furnishers, or third parties acting on your behalf, immediately cease and desist from all further communication with me, except as expressly permitted by federal law. \nThis demand applies to all forms of direct and indirect collection activity, including but not limited to : Telephone calls ( live, automated, or prerecorded ) Emails or electronic communications Written correspondence Communications with third parties Any continued furnishing, re-furnishing, updating, verification, or reinsertion of information to consumer reporting agencies, including XXXX XXXX XXXX  The account subject to this notice is : SALLIE MAE BANK XXXX XXXX Account No. XXXX Under 15 U.S.C. 1692c ( c ), once a consumer provides written notice demanding cessation of communication, a debt collector may communicate only to : Advise that collection efforts are being terminated ; or Notify the consumer of specific, lawful actions being taken.\n\nAny continued communication, including credit reporting activity that operates as indirect collection pressure, after receipt of this notice may constitute knowing and willful non-compliance with the FDCPA. \nPlease be advised that any further furnishing, updating, verification, or reinsertion of this account to XXXX  after receipt of this notice will be documented and may result in complaints and/or legal action, including filings with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the State Attorney General Appropriate federal or state courts Nothing in this correspondence shall be construed as an acknowledgment of liability, validation of any debt, or a waiver of any rights, remedies, or defenses. All rights are expressly reserved. \nPlease govern yourselves accordingly.","date_sent_to_company":"2026-01-09T18:47:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"07701","tags":null,"has_narrative":true,"complaint_id":"18606576","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2026-01-09T18:43:01.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Any continued communication, including credit reporting activity that operates as indirect collection pressure, after receipt of this notice may constitute knowing and willful non-<em>compliance</em> with the FDCPA."]},"sort":[12.533904,"18606576"]},{"_index":"complaint-public-v1","_id":"17404880","_score":12.469313,"_source":{"product":"Student loan","complaint_what_happened":"CFPB Complaint Subject : Servicing Errors, Misapplied Payments, Duplicate Account Access, and Returned XXXX Caused by XXXX XXXX XXXX : Sallie Mae / XXXX Servicing -- - I am filing a complaint regarding repeated servicing errors on my Sallie Mae student loan account that have resulted in incorrect withdrawals, misapplied payments, returned ACH activity, account instability, and repeated accusations of nonpayment despite my documented compliance. These issues have occurred across multiple months and across multiple bank accounts, and the burden of correction has consistently been placed on me despite providing full documentation. \n\n1. An XXXX payment was successfully made, confirmation : XXXX, yet the System withdrew XXXX x among XXXX accounts. \n\nMy XX/XX/year> payment of {$350.00} posted successfully on XX/XX/year> onto the account ending in XXXX ( see attached ). After making payment by phone. \n\nHowever, on XX/XX/year>, Sallie Mae issued XXXX refunds ( {$90.00} and {$70.00} ) into the bank account ending in XXXX ( see attached ). All payments should be made in XXXX entry for the monthly amount of XXXX. Though Sallie Mae received a monthly bank statement and letter from XXXX XXXX  XXXX ( BOA ) that showcased Sallie Mae was paid in full & retained the XXXX from XXXX, they refused to verify that the XXXX payment had been made in their system. They claim to date that I am missing an XXXX XXXX payment despite evidence to the contrary ( see attached ) .This was the first indication of a system-level servicing error. \n\nXXXX. The XXXX Payment was made, Then System Triggered Multiple Withdrawals I made my XX/XX/year> payment of {$350.00} online on XX/XX/year> from the account ending in XXXX, with a confirmation number from XXXX XXXX XXXX, see attached. \n\nOn XX/XX/XXXX, Sallie Mae withdrew an additional {$190.00} via autopay on the XXXX account while payments were in process ( see attached ). I had put a stop payment on XXXX to prevent an extra XXXX & XXXX payment. This withdrawal caused my account to go into the negative as the exact amount was in the account only. \n\nOn XX/XX/XXXX, Sallie Mae attempted to pull the payment ( {$350.00} ). Due to the prior days unexpected withdrawal, the balance was overdrawn, this XXXX transaction returned on XX/XX/XXXX. This was caused entirely by the servicers inconsistent processing and advice, not by failure to pay. \n\nXXXX. Risk of Incorrect Delinquency and Collection Calls Despite paying on time in both XXXX and XXXX, and despite sallie mae 's system acknowledging the scheduled XXXX payment, I have received collection calls claiming I did not pay, which is factually incorrect. This is particularly concerning given that the root cause of the returned XXXX was the servicers own inconsistent processing and advice behaviors. \n\nXXXX. XXXX XXXX XXXX to Resolve Servicer Errors To prevent incorrect delinquency reporting, I have had to make repeated pre-emptive calls to XXXX XXXX customer service each time these issues appeared on my bank statements. These calls have routinely lasted over an hour, often involving escalation to a second representative. Despite my efforts, the errors continue. \n\nXXXX. Prior Servicing Error Resulted in a Month-Long Adjudication In the past, XXXX of XXXX XXXX representatives applied my entire monthly payment to a single loan instead of distributing it across all loans as required. This error took an entire billing cycle to resolve, and I was asked to provide proof and documentation to correct the servicers mistake. They didn't accept my proof. It wasn't until I asked them for a print out of all my payments that they saw their mistake.This demonstrates an ongoing servicing pattern. \n\nXXXX. Summary of Issues Requiring Investigation Payments made on time are being mishandled or misapplied Autopay is pulling incorrect amounts and interacting with multiple accounts Returned XXXX events are being triggered by servicer-caused errors I have received incorrect collection calls despite documented payment Refunds are being issued into accounts that were not used for payment The burden of correcting errors repeatedly falls on me as the customer","date_sent_to_company":"2025-11-21T00:20:02.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"236XX","tags":null,"has_narrative":true,"complaint_id":"17404880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2025-11-20T23:50:20.000Z","state":"VA","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["CFPB Complaint Subject : Servicing Errors, Misapplied Payments, Duplicate Account Access, and Returned XXXX Caused by XXXX XXXX XXXX : <em>Sallie</em> Mae / XXXX Servicing -- - I am filing a complaint regarding repeated servicing errors on my <em>Sallie</em> Mae student loan account that have resulted in incorrect withdrawals, misapplied payments, returned ACH activity, account instability, and repeated accusations of nonpayment despite my documented <em>compliance</em>."]},"sort":[12.469313,"17404880"]},{"_index":"complaint-public-v1","_id":"20016515","_score":12.068472,"_source":{"product":"Debt collection","complaint_what_happened":"Below is the exact letter I mailed their compliance department. It has the relevant details necessary to follow up. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/XXXX Sallie Mae Bank Customer Resolution / Compliance Department XXXX. XXXX XXXX XXXX XXXX PA XXXX XXXX : Cease and Desist Incorrect Balance / Harassing Collection Calls Loan Account : XXXX & XXXX To Whom It May Concern, I am writing regarding the above-referenced student loan account, which I cosigned for my daughter. These loans were paid in full on XX/XX/XXXX. \nAfter the loan was paid off, Sallie Mae incorrectly added additional interest to the account. I contacted your representatives and was informed that this charge was an error and that the balance would be written off and the account closed as paid in full. \n\nDespite these assurances, Sallie Mae has failed to correct its records and continues to attempt to collect a balance that is currently stated as {$0.00}. Over the past several months, I have contacted your company no fewer than ten ( 10 ) times to resolve this issue. In addition, my household has received more than fifty ( 50 ) voicemail messages and text messages attempting to collect this erroneous amount. While none of my business it is baffling to me that a company would deploy so many resources to collect what was {$.00}. I imagine each employee that has had to call me cost Sallie Mae no less than {$10.00} for each call. Is this driving the costs up of borrowing money? Is that an effective use of U.S. Taxpayer subsidies? \n\nOn XX/XX/XXXX I called and spoke with a manager. Again, he assured me that this issue would be resolved and apologized. I informed him that I appreciated his words, but I needed an email by XXXX stating that the loan was satisfied in full, the account was closed and that there would not be any negative credit reporting made. If I did not receive that email I would pursuit any, and all remedies available to me. Within a couple of hours of that call ending, I received another collection call from Sallie Mae. I again restated my position and the agent confirmed they understood and apologized. \n\nOn XX/XX/XXXX at XXXX XXXX  pst I received yet another collection call. I simply asked the agent after I was forced to confirm my information, to read the notes on the account and that I was not going to engage in any further discussions because my position was clear. I advised the agent to inform their supervisor that I was moving forward with my promise as I had exhausted effort more than any rationale human being would consider reasonable. \n\nThis conduct is unacceptable and constitutes harassment.\n\nAccordingly, I hereby demand the following : 1. Immediate correction of your records to reflect that this loan has been Paid in Full / Satisfied in Full.\n\n2. Written confirmation that the account balance is {$0.00} and the loan is closed.\n\n3. Immediate cessation of all collection calls, texts, and automated communications to me or my household regarding this account.\n\n4. Written confirmation that no negative information has been or will be reported to any credit reporting agency regarding this matter.\n\nPlease be advised that any further attempts to collect this erroneous balance or continued contact by phone or automated means will be documented and used as evidence in formal complaints and potential legal action, including but not limited to complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Washington State Attorney General The Federal Trade Commission If this matter is not resolved promptly and I do not receive written confirmation that the account is paid in full, I will pursue all additional remedies available under federal and state consumer protection laws.\n\nYou may respond to this letter in writing only at the email and or physical addresses listed above. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-03-05T21:37:20.000Z","issue":"Attempts to collect debt not owed","sub_product":"Private student loan debt","zip_code":"98373","tags":"Servicemember","has_narrative":true,"complaint_id":"20016515","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2026-03-05T21:27:11.000Z","state":"WA","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Below is the exact letter I mailed their <em>compliance</em> department. It has the relevant details necessary to follow up. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/XXXX <em>Sallie</em> Mae Bank Customer Resolution / <em>Compliance</em> Department XXXX."]},"sort":[12.068472,"20016515"]},{"_index":"complaint-public-v1","_id":"3479826","_score":12.048643,"_source":{"product":"Student loan","complaint_what_happened":"Its The Incredible Never-Never Loan! \n\nLets look at this case study of my XXXX student loans that originated with Sallie Mae, which is a loan lender/servicer now known as Navient. Please see attached documentation from Navient for this account. Please note that Navient could not provide me with any of the original loan paperwork that is twenty years old because they claimed they know nothing about the original loan lender/servicer Sallie Mae. \n\nThrough the course of this loan, I have been advised by Sallie Mae and Navient to consolidate my loans, and use high interest accruing unemployment forbearance instead of more economical plan options that I was not made aware of until a much later date. Ultimately, I was made aware of and advised to change plans to the Income Based Repayment plan about seven years after it was available. Although this last move did decrease the loan payment amount to something manageable without the higher cost of forbearance interest it also ( without my knowledge ) extended the length of the loan term, which will again accrue more debt. \n\nThrough the advisement of Sallie Mae and Navient, and with the compliance of our Federal Government I have a lifetime of debt with ever-changing rules and regulations. This is why student loans are the incredible never-never loans because borrowers will never-never pay them off. This arrangement is a great financial benefit for the lender/loan servicer, and a great detriment to the borrower and the American taxpaying citizenry. \n\nIf student loans do not have a hard end date from the loan origination date, a low fixed interest rate, and a cap on total interest for the life of the loan there is no other way to perceive this arrangement than either gross mismanagement/lack of oversight or corruption of our Federal Government to enrich the lending institutions because ultimately the result is a lifetime of financial abuse for borrowers, and generational theft of the American taxpaying citizenry. \n\nIn my particular case, my loans originated in XX/XX/XXXX, and I graduated in XX/XX/XXXX. My loans should be discharged soon as it is now XX/XX/XXXX. I am at the twenty-year mark. However, because the lender and loan service provider have all the mechanisms of manipulation at their disposal my new end date according to Navient is XX/XX/XXXX, and even that date has an asterisk next to it on my account because they may move the goal post once again to cheat the game a little more in their favor to quench their never-ending thirst for a greater return on compound interest. \n\nIf you had to cut a fair deal for the American taxpaying citizenry would you allow a loan like this that will essentially be with me for life ( assuming I live as long as the loan is on the books ), and cost double or triple the original loan amount? That is a 100 200 % profit to the lender/loan servicer for their professional financial advisement and service. I do not believe there is any other financial product on the market that is as costly, and causes as much financial harm to the public as student loans. \n\nI would like to request complete paperwork for my loans that originated with Sallie Mae before Sallie Mae advised a consolidation to move the loans to Navient, a complete review of the loan history including the advisement/awareness/consent process, and potential participation in any legal remedy for fraud as my end date/discharge date on these loans is now, not maybe XX/XX/XXXX, but we are not sure. It has been twenty years. Enough is enough. \n\nFor any Federal Government employees that are not on the take, and are honest, well intentioned professionals that dont want fraudulent student loan debt added to your tax bill or your children or grandchildrens tax bill, I thank you in advance for looking into this, and providing legal remedy/regulation to stop the abuse.","date_sent_to_company":"2019-12-29T18:23:19.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"91405","tags":null,"has_narrative":true,"complaint_id":"3479826","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-12-29T17:49:46.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Through the advisement of <em>Sallie</em> Mae and Navient, and with the <em>compliance</em> of our Federal Government I have a lifetime of debt with ever-changing rules and regulations. This is why student loans are the incredible never-never loans because borrowers will never-never pay them off. This arrangement is a great financial benefit for the lender/loan servicer, and a great detriment to the borrower and the American taxpaying citizenry."]},"sort":[12.048643,"3479826"]},{"_index":"complaint-public-v1","_id":"3919703","_score":12.035643,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing this letter to you in reference to Navient Account Number : XXXX disputing late payment items reported by Navient to XXXX and XXXX for the period of XXXX XX/XX/XXXX. \n\nI graduated from XXXX XXXX University in XX/XX/XXXX and began paying off a total student loan debt of approximately {$22000.00}. Over nearly two decades, I diligently made payments to Sallie Mae Servicing and always took my student loan commitment seriously. It was a great feeling in XXXX  to write my final check to Sallie Mae and pay off my student loan in full. During that same period, my loan was sold from Sallie Mae to Navient. And to my surprise, I subsequentially learned that I still owed a very small amount ( approximately {$700.00} ). \n\nI explained to Navient that I was unaware of the outstanding amount and paid it immediately it. Why would I have paid my student loan for all those years only to make my final payments late? I was very concerned about my credit report and requested that Navient not report my account past due. But was assured that the negative items would be removed. Unfortunately, that never happened. I have repeatedly disputed these negative via electronic means because Navient refuses to take any phone calls on the matter and forces me to correspond only via mail or facsimile. \n\nOn XX/XX/XXXX, I filed complaint # XXXX with the Consumer Financial Protection Bureau. Navient responded by listing the exact dates of notification and attached a scan of a letter that was sent. That documentation cleared up the reason why I was unresponsive and unaware of the remaining debt. During the referenced time period, I had moved from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX to XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX. Navient correspondences were sent to the wrong address. \n\nI have been negatively impacted for years. Given this mistake, late payments should be removed. This inaccurate, unfair, and not in compliance with the Fair Credit Report Act.","date_sent_to_company":"2020-10-26T19:33:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"3919703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2020-10-26T18:44:09.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This inaccurate, unfair, and not in <em>compliance</em> with the Fair Credit Report Act."]},"sort":[12.035643,"3919703"]},{"_index":"complaint-public-v1","_id":"10368953","_score":11.847309,"_source":{"product":"Debt collection","complaint_what_happened":"CONSIDER THIS A FORMAL COMPLAINT REGARDING THE UNAUTHORIZED SALE OF MY INFORMATION TO A THIRD PARTY BY SALLIE MAE WHICH DIRECTLY CONTRAVENES 15 USC 1666b. \n\nI am so XXXX off that I have to sit here and take time out of my day to write this complaint. I learned that Sallie Mae has given not only my personal information as well as financial information to a third party. XXXX, XXXX & XXXX continuously calls my phone, my fathers phone and his ex wife. This is absolutely ridiculous over a something that I do not owe. I am so tired of the harassment, anxiety, panic, mental anguish, and trauma to my family dynamic that this has caused. This debt has been discharged and all documents pertaining to the discharge have been requested from the original creditor they claim to be Sallie Mae. \n\nI have not had an account with Sallie Mae since XXXX and Sallie Mae along with their debt collectors continue to harass me and my loved ones. Sallie mae was given a revocation of power of attorney both verbally and in writing certified mail. Verbal revocation was given on XX/XX/XXXX as well as written notice to follow up on XXXX XXXX where they claimed there was no power of attorney on file playing stupid like they dont understand what the XXXX revocation of power of attorney means. Please see attached letter. They then proceeded to share my information with a third party who clearly doesnt understand that I know my rights and they have no business contacting me. Who gave you permission or consent to take my name and commit securities fraud along with your trash partner Sallie Mae? Where Is the proof of assignment because I did not contract with XXXX XXXX XXXX I or their kangaroo court partners XXXX, XXXX XXXX XXXX. After reading the XXXX, XXXX, and prospectus they are furnishing these applications as receivables and NOT fully disclosing that I am an investor in their company. Who gave you all consent to sell my information on the stock market and to your investors for profit? Where is my portion of the money? You all blatantly state that you are moving forward with providing great loan options to students. Only to turn around and extort them not only be selling contracts for stock market options buyers, share holders and who knows what else. I WANT THIS XXXX SHUT DOWN!!!! When was I told that I would be doing business with XXXX bank and many others?? NEVER! CUT THE GAMES Where is the contract with my wet ink signature that I requested from both parties? They keep playing XXXX and sending computer generated applications with an online signature that I do not remember signing. Where is the original application? If Sallie Mae was the servicer who is the bank that they sold the security to that they did not give full disclosure of? They have completely violated me and my trust 15USC1666b. I am completely worried and anxious about the privacy and compliance from Sallie mae. This has not only breached trust as well as FEDERAL LAW. I would also like to point out 31 USC 3718 as well as18 USC 8. Who the XXXX is obligated to pay because it XXXX sure isnt me! Which is why as mentioned in Sallie Maes validation paper work This is furnished by an open ended credit plan. Well from my understanding as used in 1666f payment by use of check, draft or negotiable which results from debiting of an open ended credit plan or a credit card holders account shall not be considered payment. This was a debit. So where the XXXX does it say pay? \n\nThey are operating as if they are not already under fire due to their extortionate, predatory and defamatory tactics proven in recent court proceedings. \n- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have also requested pertinent information from the clowns XXXX XXXX XXXX XXXX XXXX XXXX XXXX their partners and they could give me nothing but the same trash packet that Sallie mae gave. Sallie Mae kept calling and I am not sure why. What do we have to talk about? Either you can provide the information or you can't. Where is the information in writing like I requested? \n\nCould you provide me with form SSA89 that confirms you verified the social with the SSA to open an account I needed for personal family household usage?\n\nCould you provide all GLBA disclosures?\n\nCould you provide 1099c if applicable or any other tax forms filed in connection with this account? \nCould you provide the itemization date? \nCould you provide the Proof Required disclosures that were sent? \nCould you provide All account notation and call logs? \nCould you provide copies of documentation sent to the consumer and all reg F applicable disclosures?\n\nCould you provide the date of first delinquency?\n\nCould you provide what executive level officer or board member who retained you? \n\nCause who retained you? I XXXX sure did not and do not with to contract with any of you. Who gave you consent to open new accounts in my name? Where is the XXXX at because I XXXX sure did not sign or authorize for you to use any of my social information. So did you even verify who I was or you slapped my name on something knowing XXXX well I do not owe you or anyone else? Do I need to contact the Comp controller? Because you are completely committing fraud and need to not only stop harassing, calling and sending my elderly father into a frenzy. You have completely torn apart his marriage with your lies and extortionate tactics and I WILL be seeking remedy under 18usc41 and 15USC1611 if this XXXX is not fixed. I am so tired of you all ruining families and feeling like you are above the law. It is time out for the mental games and tyranny placed on the people. There has been no lawful consideration made by any of these companies. Please see Anheuser-Busch Brewing Ass'n v. Mason. Even if I did wish to contract debt collectors are not holders in due course. 1. You stated you bought it by default. Was this not properly filed as income under the US tax codes by your friends Sallie mae? Where are the 1099s to prove it was? 2. Installment sale contracts are not negotiable instruments. So again who owes you? I believe you all need to take this matter up with the bank because this is not a matter between you and I the consumer who would have only used these services for PERSONAL, FAMILY OR HOUSEHOLD USE. IN ARTICLE XXXX IT STATES THAT IS AN ASSIGNEE WHICH WE KNOW YOU TRULY ARE NOT RECEIVES AN INSTRUMENT AFTER DEFULT IT IS NOT IN GOOD FAITH. HMMMM SEEMS LIKE WE HAVE AN ISSUE HERE HUH? \n\nI AM DEMANDING REMEDY AND ONE THAT WILL ALLOW MY FAMILY AND I TO REST AND NOT BE SUSCEPTIBLE TO THE PAIN AND SUFFERING AS WELL AS EXTORTION THAT ALL THREE COMPANIES HAVE PLACED UPON US TO THE POINT THAT MY FATHER HAS LOST HIS MARRIAGE. ENOUGH IS ENOUGH. If this matter is not quickly resolved I will not only have all accounts audited by multiple sources but I will move along to the FTC, SEC and Comp troller. \n\nCFPB please investigate this matter thoroughly as it is ruining my life and mental health.","date_sent_to_company":"2024-10-08T00:51:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Private student loan debt","zip_code":"46037","tags":null,"has_narrative":true,"complaint_id":"10368953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2024-10-08T00:51:57.000Z","state":"IN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["If <em>Sallie</em> Mae was the servicer who is the bank that they sold the security to that they did not give full disclosure of? They have completely violated me and my trust 15USC1666b. I am completely worried and anxious about the privacy and <em>compliance</em> from <em>Sallie</em> mae. This has not only breached trust as well as FEDERAL LAW. I would also like to point out 31 USC 3718 as well as18 USC 8. Who the XXXX is obligated to pay because it XXXX sure isnt me!"]},"sort":[11.847309,"10368953"]},{"_index":"complaint-public-v1","_id":"11170670","_score":11.627444,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally dispute the legitimacy of an account reported under my name and held with your institution. Upon further review, I have identified substantial violations of the Truth in Lending Act ( TILA ), which require immediate rectification. The findings indicate that the account in question is fraudulent, as the fundamental obligations for clear and transparent disclosures under TILA were not fulfilled. Specifically, SALLIE MAE BANK INC failed to provide the following mandatory disclosures as required by federal law under TILA : 1.Inadequate Disclosure of Terms and Conditions : The agreement associated with this account did not include complete and accurate details regarding the loans terms, including interest rates, fees, repayment schedule, and penalties. These omissions left me without a clear understanding of the financial obligations tied to this account. 2.Failure to Ensure Full Understanding and Authorization : The application process and subsequent agreement were executed without verifying my consent or ensuring my comprehension of the financial terms. There is no evidence that I authorized the opening of this account. 3.Non- Compliance with Initial Disclosure Requirements : TILA mandates that lenders provide borrowers with all required disclosures before consummation of the agreement. The absence of these disclosures violates my rights and renders the account illegitimate. Given these significant violations, I assert that this account is fraudulent. I demand immediate action to resolve this matter and restore my financial integrity. Requested Actions : Immediate Investigation : Conduct a thorough review of the account to verify its authenticity and identify where compliance with TILA failed. Account Closure and Removal : Acknowledge that the account is fraudulent and take immediate steps to close it. Ensure all references to this account are removed from your systems and any third-party reporting agencies, such as credit bureaus. Written Confirmation of Resolution : Provide me with a written acknowledgment that the account has been deemed invalid, along with confirmation that no further claims or liabilities will be associated with this fraudulent account. To assist in your investigation, I have enclosed copies of relevant documentation, including my government-issued ID and a FTC report attesting to the fraudulent nature of the account. \n\nSALLIE MAE BANK INC XXXX","date_sent_to_company":"2024-12-17T13:52:11.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"92009","tags":null,"has_narrative":true,"complaint_id":"11170670","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2024-12-17T07:19:26.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["<em>SALLIE</em> MAE BANK INC XXXX"]},"sort":[11.627444,"11170670"]},{"_index":"complaint-public-v1","_id":"4969480","_score":11.470808,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I provided a written request via Sallie Mae 's online portal for the closure of my CD account and gave instructions to XXXX XXXX on where to transfer the proceeds. The account matured on XX/XX/XXXX, and this fell within their terms and conditions regarding the closure of my CD account which may be closed up to 30 days prior and no later than 10 days after. \n\nI had successfully closed a CD account on XX/XX/XXXX with this exact same method. \n\nOn XX/XX/XXXX I received a response from XXXX XXXX, with a counter offer and a threatening remark that my CD account would renew if I did not respond within 10 days of maturity. \n\nI unfortunately did not receive this reply until after this time period expired. Based on my written request to close the CD I expected the CD to be closed. I'm now told that my CD has automatically renewed with no recourse other than penalty. I asked for additional clarification in their terms and conditions and I received a response from a compliance analyst XXXX XXXX citing the relevant agreements and their ties to XXXX XXXX XXXX. \n\nUnfortunately I can't find clear terms in their agreements regarding why my account should have not been closed when I made the request on XX/XX/XXXX as they had done with my prior account. I'm lucky to have 20+ years in the banking and regulatory environment and some of Sallie Mae 's responses were concerning to me, particularly if I had been a typical consumer. I'd be more than happy to provide these to you. Thank you for your time and help.","date_sent_to_company":"2021-12-02T20:58:46.000Z","issue":"Closing an account","sub_product":"CD (Certificate of Deposit)","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4969480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2021-12-02T20:26:55.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I'm lucky to have 20+ years in the banking and regulatory environment and some of <em>Sallie</em> Mae 's responses were concerning to me, particularly if I had been a typical consumer. I'd be more than happy to provide these to you. Thank you for your time and help."]},"sort":[11.470808,"4969480"]},{"_index":"complaint-public-v1","_id":"9899189","_score":10.761856,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"After checking my most recent consumer report, I noticed SALLIE MAE is furnishing and XXXX and XXXX are allowing the furnishing of multiple accounts that violate my Fair Credit Reporting Act rights as a consumer. The reporting of this/these accounts have caused severe damage to my character, my reputation, my general ability of living as well as my ability to obtain credit obligations for personal purposes. Ultimately this negligence has damaged my livelihood and my ability of using credit in my life.\n\nThe following accounts are not compliant and are violating multiple FCRA laws that will be explained after I list the accounts that are in violation. \nSALLIE MAE XXXX in the amount of {$28000.00} SALLIE MAE XXXX in the amount of {$24000.00} 15 USC 1681b- Permissible Purpose of Consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n15 USC 1681 section 602 ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n\nXXXX and XXXX are consumer reporting agencies, and I am the Consumer. Which means that I have the right to make sure my private information isn't shared and is backed by 15 USC 1681.\n\n15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\nThese accounts are also violations of IRS Publication 4681. It mentions I should have received a 1099c form from SALLIE MAE due to the debt being discharged, canceled or forgiven the. My consumer report should not reflect a balance owed, a past due amount, nor should there be any late payments associated with this charge off account. Incorrect reporting to my consumer file is damaging my ability to be approved for credit and is a misrepresentation of my character. This is a violation of my rights, negligent behavior and potentially an act of tax fraud, to which I am not party of, nor do I wish to be. I have yet to receive As well as a direct violation of 20 U.S. Code 1232g ( b ). Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' Per the FCRA, as a federally protected consumer, I am hereby formally opting out of any and all authorization, I the consumer, may have given SALLIE MAE, whether it be written, unwritten, verbal and non verbal per 15 USC 6802. Effective immediately and indefinitely. 15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' SALLIE MAE Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states \" Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting WITHOUT my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) states \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states \" Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are NOT maintaining reasonable procedures.","date_sent_to_company":"2024-08-23T21:44:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78504","tags":null,"has_narrative":true,"complaint_id":"9899189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2024-08-23T21:44:05.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>SALLIE</em> MAE XXXX in the amount of {$28000.00} <em>SALLIE</em> MAE XXXX in the amount of {$24000.00} 15 USC 1681b- Permissible Purpose of Consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n15 USC 1681e ( b ) <em>Compliance</em> and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares"]},"sort":[10.761856,"9899189"]},{"_index":"complaint-public-v1","_id":"6554374","_score":9.797007,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX, XXXX, XXXX XX/XX/XXXX Email : XXXX Alternate Email : XXXX. \nHome Address : XXXX XXXX XXXX, XXXX PA, XXXX Name : Office of the Consumer Financial Protection Bureau XXXX : XXXX XXXX XXXX, Director of the Consumer Protection Bureau Address : XXXX XXXX XXXX, Washington, DC XXXX Dear XXXX XXXX, I am filing a second complaint regarding my contract agreement with Sallie Mae Inc due to the following : Based upon the 1914 Federal Trade Commission Act - Section 5, I am regretfully submitting a formal complaint to be undertaken based on the unforeseeable imminent risks that have been imposed by the lender, Sallie Mae Inc. The identifiable risks could pose substantial harm such as financial hardship leading to poverty based for myself and especially for my co- signer XXXX XXXX XXXX based on her declining mental capacity, declining health, and overall declining well-being. The following sections of the FTCA highlight my own experience of the lenders history of repeated patterns of financial misconduct such as repeated patterns of : o Unfair and deceptive acts o Deceptive acts and practices o Untruths in lending acts o Unmanageable risks related to unfair or deceptive acts or practice. \n______________________________________________________ Furthermore, services that were provided from Sallie Mae Inc were totally inadequate due to their repeated deceptive, abusive, and predatory practices which are significantly likely to put myself and my co-signer at high risk for financial exploitation. In addition, without reasonable doubt, I have been treated unfairly and unethically simply because this lender has repeatedly demonstrated non-compliance with the 1914 FTCA due to their predatory commercial practices which would strongly suggest that there is a definite likelihood of harm, which would make me and my co-signer highly vulnerable to risks such as financial exploitation due to her age, health, and declining mental capacity. Overall, based on these findings, I have requested a safeguarding protection petition and a risk assessment through the Older Adults Protective Services ACT. \n______________________________________________________ FTC Safeguard Rule 2023 In addition, I am filing a complaint regarding the FTC Safeguard Rule 2023 based on the identifiable data and document alterations such as the following : Falsifying Consumer Records Unsecured Data Data Alteration XXXX Data Security Breach Payment Inaccuracies Altering & Adding Consumer Rates Adding variable rates w/out consent Breach of Contract Coercive & Misleading Behaviour ( e.g., Collections Manager offering to lowering my rates in return for over payments ). \n______________________________________________________ ** Please note, I have attached my complaint report that has been reported to the following : *Enclosures : XXXX XXXX Older Adult Protective Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Office of the Attorney General Bureau of Senior Protection Unit XXXX \nUS Department of Health and Human Services/Office of Inspector General US Justice Department US Representative XXXX XXXX XXXX 17th Congressional District of Pennsylvania US Senator XXXX XXXX XXXX XXXX of Pennsylvania US Senator XXXX XXXX XXXX of Massachusetts  US Senator XXXX XXXX XXXX of Pennsylvania XXXX_ Also, please note, I have attached the formal complaint due to the limited data space along with supportive documentation. \n\nBest Regards XXXX XXXX","date_sent_to_company":"2023-03-03T21:01:10.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"6554374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2023-02-09T09:47:08.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["that have been imposed by the lender, <em>Sallie</em> Mae Inc."]},"sort":[9.797007,"6554374"]},{"_index":"complaint-public-v1","_id":"21442117","_score":9.618874,"_source":{"product":"Student loan","complaint_what_happened":"I am filing this complaint regarding inaccurate and inconsistent reporting of a Sallie Mae account on my credit report. \n\nThis account reflects a pattern of reporting that raises serious concerns about accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). \n\nSpecifically, I have identified the following issues : - The payment history is incomplete and contains missing reporting periods- The account reflects inconsistent status changes ( current, delinquent, and charged-off ) without a clear and continuous progression - The Date of First Delinquency ( DOFD ) has not been clearly verified or documented - The timeline of delinquency appears irregular and potentially inaccurately reported Based on my credit report, the account shows varying statuses across multiple years, including periods marked as OK followed by delinquency and eventual charge-off, which raises concerns about whether the delinquency was continuous as required for accurate reporting. \n\nI previously disputed this account with the credit reporting agencies ; however, it was returned as verified without providing sufficient documentation or explanation of how the information was validated. \n\nUnder the Fair Credit Reporting Act, all information reported must be accurate, complete, and verifiable. At this time, I do not believe this account meets those standards. \n\nI am requesting the following : 1. A full investigation into the accuracy of this account 2. Verification of the Date of First Delinquency ( DOFD ) 3. Complete account-level payment history documentation 4. An explanation of how the account was verified during prior disputes If the account can not be fully verified with proper documentation, I am requesting that it be deleted from my credit report.\n\nI am also requesting that all credit reporting agencies ensure compliance with FCRA standards regarding accuracy and completeness.\n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2026-04-21T15:44:49.000Z","issue":"Incorrect information on your report","sub_product":"Private student loan","zip_code":"20746","tags":null,"has_narrative":true,"complaint_id":"21442117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2026-04-21T15:38:34.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I am filing this complaint regarding inaccurate and inconsistent reporting of a <em>Sallie</em> Mae account on my credit report. \n\nThis account reflects a pattern of reporting that raises serious concerns about accuracy and <em>compliance</em> with the Fair Credit Reporting Act ( FCRA )."]},"sort":[9.618874,"21442117"]},{"_index":"complaint-public-v1","_id":"3217600","_score":9.574157,"_source":{"product":"Student loan","complaint_what_happened":"Navient ( formerly Sallie Mae ) has been pushing my load due dates forward instead of applying overpayments to my principal balance. I have requested that overpayments always be applied to the principal over the phone, over the course of MANY MANY years. There is no online option to direct overpayments to the principal balance. I was able just now to change the default overpayment setting from \" pushing due date forward '' to \" bill for full monthly amount '', but only after researching this extensively on the internet! This option is hidden and you have to know exactly where to find it. In addition, there is no option to sign up for auto pay and include an overpayment. It is clear that by limiting consumer ability to dictate when and where a payment should be applied directly benefits Navient, at a high cost to me, the consumer. By forwarding due dates instead of reducing my principal balance, and by eliminating options for overpayment via autopay, Navient can ensure that I will continue to pay my student loan for as long as possible, thus, ensuring they rake in all the interest they can. This should be illegal. \n\nLike other predatory practices, the hiding policies and procedures for handling student loan payments exclusively benefit Navient. They know that most individuals will fail to recognize these practices as harmful. Those who are aware of Navient 's unethical practices will have to put in an enormous amount of time and effort to identify, correct, and continually monitor for compliance with consumer instructions.","date_sent_to_company":"2019-04-19T19:41:00.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"97223","tags":null,"has_narrative":true,"complaint_id":"3217600","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-04-19T19:05:36.000Z","state":"OR","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Those who are aware of Navient 's unethical practices will have to put in an enormous amount of time and effort to identify, correct, and continually monitor for <em>compliance</em> with consumer instructions."]},"sort":[9.574157,"3217600"]},{"_index":"complaint-public-v1","_id":"13237604","_score":9.514101,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX To : Sallie Mae XXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Dispute of Unverified Student Loan Accounts Immediate Deletion Requested To Whom It May Concern, This letter is a formal dispute submitted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the reporting of student loan accounts associated with [ Insert Loan Servicer Name or Account Number ( s ), e.g., XXXX on my credit file. \n\nXXXX. ISSUE : Lack of Verification of a Signed Master Promissory Note ( MPN ) Relevant Law : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item in their file. Additionally, under 15 U.S.C. 1681e ( b ), the CRA must ensure maximum possible accuracy of the information it includes. \nDemand : I am demanding immediate deletion of the referenced student loan account ( s ) from my Experian credit file unless the data furnisher can provide the original, wet-ink signed Master Promissory Note ( MPN ) establishing a valid, enforceable obligation in my name. Electronic reproduction or summary data is not sufficient under federal evidentiary standards, particularly when the debt is disputed. The burden of proof lies with the furnisher. If the original contract does not exist, the tradeline must be removed. \n\nXXXX. ISSUE : Failure to Verify Current Status Forbearance or Administrative Hold Relevant Law : Per 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to investigate disputed information and correct or delete any data found to be inaccurate or unverifiable. If a loan is in administrative forbearance, deferment, or a non-repayment status due to federal policy or executive order, such status must be clearly and accurately reflected in the reporting. Failure to do so constitutes willful misreporting and inaccurate furnishing of information.\n\nDemand : Please verify whether this account is presently subject to administrative forbearance or any federal hold. If it is, it can not legally be reported as delinquent or in default. If this can not be fully verified and proven by the data furnisher, the account must be removed immediately for failure to meet accuracy and verification standards outlined by the FCRA. \n\nXXXX. ISSUE : XXXX XXXX and CDIA Compliance Failure Relevant Law : The Consumer Data Industry Association ( CDIA ) XXXX XXXX  Format Guidelines, which Experian has adopted for credit furnishing, require that all tradelines be accurate, complete, and up-to-date. Reporting disputed, unverifiable, or administratively frozen debts violates these guidelines. \nDemand : You are required to remove any entry that does not conform with XXXX XXXX and XXXX standards. Student loans that are not contractually verified or are impacted by legislative changes ( such as federal repayment pauses or executive actions ) must not be reported as adverse. If you can not validate this account according to those standards, it must be removed. \nFailure to Comply Will Result in Further Action This is a legal dispute under the FCRA. Should you fail to respond within 30 days with sufficient documentation, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.\n\nSummary of Accounts to be Investigated and Deleted : Sallie / Account Number Ending in XXXX Sallie / Account Number Ending in XXXX Sincerely, XXXX XXXX XXXX XXXX.","date_sent_to_company":"2025-04-29T21:32:46.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"85395","tags":null,"has_narrative":true,"complaint_id":"13237604","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2025-04-29T21:23:28.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Summary of Accounts to be Investigated and Deleted : <em>Sallie</em> / Account Number Ending in XXXX <em>Sallie</em> / Account Number Ending in XXXX Sincerely, XXXX XXXX XXXX XXXX."]},"sort":[9.514101,"13237604"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":36,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":36}]}},"product":{"doc_count":36,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Student loan","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":11},{"key":"Federal student loan servicing","doc_count":4}]}},{"key":"Debt collection","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan debt","doc_count":6},{"key":"I do not know","doc_count":2},{"key":"Credit card debt","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":8}]}},{"key":"Credit card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CD (Certificate of Deposit)","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}}]}},"issue":{"doc_count":36,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Dealing with your lender or servicer","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":4},{"key":"Trouble with how payments are being handled","doc_count":4},{"key":"Need information about your loan balance or loan terms","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":2},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":2},{"key":"Debt was paid","doc_count":1},{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"Improper use of your report","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":4},{"key":"Report provided to employer without your written authorization","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":3},{"key":"Information is missing that should be on the report","doc_count":1},{"key":"Public record information inaccurate","doc_count":1}]}},{"key":"Getting a credit card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":1},{"key":"Card opened without my consent or knowledge","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2}]}},{"key":"Struggling to repay your loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't get other flexible options for repaying your loan","doc_count":2}]}},{"key":"Written notification about debt","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":1},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":1}]}},{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't close your account","doc_count":1}]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}}]}},"timely":{"doc_count":36,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":36}]}},"company_response":{"doc_count":36,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":30},{"key":"Closed with monetary relief","doc_count":3},{"key":"Closed with non-monetary relief","doc_count":3}]}},"submitted_via":{"doc_count":36,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":36}]}},"company":{"doc_count":36,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"SLM CORPORATION","doc_count":24},{"key":"Navient Solutions, LLC.","doc_count":7},{"key":"EOS Holdings, Inc.","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"Maximus Federal Services, Inc.","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1}]}},"state":{"doc_count":36,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"NJ","doc_count":4},{"key":"NY","doc_count":4},{"key":"CA","doc_count":3},{"key":"TX","doc_count":3},{"key":"FL","doc_count":2},{"key":"GA","doc_count":2},{"key":"MD","doc_count":2},{"key":"MI","doc_count":2},{"key":"OK","doc_count":2},{"key":"PA","doc_count":2},{"key":"AZ","doc_count":1},{"key":"IL","doc_count":1},{"key":"IN","doc_count":1},{"key":"MA","doc_count":1},{"key":"OH","doc_count":1},{"key":"OR","doc_count":1},{"key":"RI","doc_count":1},{"key":"TN","doc_count":1},{"key":"VA","doc_count":1},{"key":"WA","doc_count":1}]}},"company_public_response":{"doc_count":36,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":19},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":2},{"key":"Company believes complaint is the result of an isolated error","doc_count":2},{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":2},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":1}]}},"tags":{"doc_count":36,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":2},{"key":"Older American","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[9.51469,"13237604"]}}}