Product: Student loan

XXXXv ID : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Sallie Mae XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Sent Via Certified Mail Consumer Financial Protection Bureau consumerfinance.gov XXXX ID : XXXX XXXX XXXX, XXXX XXXX United States Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX Sent via US Certified Mail and XXXX XXXX XXXX XXXX XXXX, Under XXXX XXXX XXXX United States Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX Sent via US Certified Mail and Email : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  DC XXXX Sent via US Mail and Email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX XXXX, XXXX XXXX of XX/XX/XXXX of the University XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX Copied : Sallie Mae XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX Sallie Mae XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, United States Sent via Certified Mail Customer Advocate XXXX XXXX  XXXX XXXX XXXX, DE XXXX ; Faxing to XXXX Office of Policy and XXXX XXXX XXXX Federal Trade Commission XXXX XXXX  XXXX XXXX. 
XXXX, XXXX XXXX Copied : Sallie Mae Loan Repayment Services Sallie Fraud Services XXXX Re : REBUTTAL LETTER TO SALLIE MAE DATED XX/XX/XXXX In the matter of XXXX XXXX XXXX, XXXX. 
Application XXXX Customer ID XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al, Upon careful review and consideration of the XX/XX/XXXX letter, I am constrained to address the multiple misrepresentations of material facts, which have led to XXXX and Sallie Mae making decisions that are detrimental, inaccurate and inconsistent with federal and state law. Allow me to start by stating, the following As noted by the evidence attached, someone sent a handwritten envelop purportedly addressed by Sallie Mae, which included four ( 4 ) separate documents. Two documents are dated XX/XX/XXXX and XX/XX/XXXX respectively. 

The XX/XX/XXXX Letter The XX/XX/XXXX letter is replete with inaccuracies and gross misrepresentations and falsely states that we are unable to confirm fraud of loan XXXX. Next, it falsely states that we should review the recordings that we have requested for 90 days to no avail. There was NO email, NO recordings and NO password or links associated with this letter or an email. Please send the alleged recordings that your office claim exists to prove that I applied-for and approved a loan under XXXX. I authorized co-signing for ONE loan and one loan only. I repaid that loan and without my authorization, knowledge or consent your office applied the overpayment to a loan XXXX - {$2500.00} to that loan. 

Again, we have asked for and have not received any documentation proving that I requested loan XXXX. 

Next, your office did NOT send any letter or email to me on XX/XX/XXXX. Please forward the allege email or letter that you purportedly sent to my attention. 

Next, your letter purports to have included application relating to the loan XXXX. This is NOT an application. Rather it is a print-out with NO signature or initials. Rather, it is a simple document with a typewritten name XXXX XXXX. I have requested more than a dozen times from your office over the last 90 days to provide PROOF of the application that I signed and PROOF of the application that I requested. 

To date, Sallie Mae has NOT provided proof of a request to co-sign, authorization of co-sign or proof that I knew or had reason to know of loan XXXX. I NEVER authorized, consented to or approved loan XXXX. I only approved of one-loan. To this end, I demand that your office provide evidence that I authorized this loan. 

On XX/XX/XXXX a representative from your office contacted me and recorded me on the phone and secured validating information : name, address, telephone, social security, employment status, etc. That call was recorded for quality assurance. When I asked why I was contacted by Sallie Mae, the representative refused to provide the reasons. Several days later, I received a letter dated XX/XX/XXXX citing fraud had concluded its investigation and had a recording of my authorizing the XXXX loans. I am sure that your office had engaged in a fraudulent investigation regarding this loan using the XX/XX/XXXX call as its alleged proof of recording. To date, I still do NOT have and Sallie Mae has not complied with federal law governing providing evidence of the call. Send me the recorded tape, with date and time so that I may confer with my telephone company to verify the veracity of the call. 

The XX/XX/XXXX XXXX The XX/XX/XXXX letter is replete with errors as well. 
The letter falsely states that someone called your office on XX/XX/XXXX to lower the interest rate to the Servicemembers Civil Relief Act to 5 % - I am NOT and have never been a member of the service and am NOT and have NEVER been entitled to any such relief. This is yet again another fraudulent act by Sallie Mae to justify these fraudulent loans. Where is the recording? 

Next, you assert that I have received Final Disclosure documents. Those documents are mere print-outs with NO signatures or other identifying information. Other than the FIRST and ONLY loan XXXX, I never received any documents for these loans until I began disputing them. 

Conclusion Again, I did not and have never applied for, authorized or consented to any other loan except XXXX. Sallie Mae has not provided any evidence to refute or dispute this concern. I do NOT owe any money to Sallie Mae. 
I have received the refunds that you provided for the other loans that I did not owe. But that is because I sought relief from the Dept of Education. Now, you must do the same with Loan XXXX or provide evidence of its legality. 




Finally, cease and desist from collecting for loan XXXX because I do NOT owe this money to Sallie Mae. 

This XXXX day of XX/XX/XXXX/ XXXX XXXX