Consumer complaint received 2023-07-07
Company: SLM CORPORATION
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been enrolled at XXXX since the commencement of the XXXX XXXX  in XXXX. Unfortunately, during the XXXX  of XXXX, my sole mode of transportation became inoperable. This predicament resulted in my delayed registration for classes. Despite my lack of transportation, my advisor assured me that I could still make progress and perform well in his class until I acquired a new vehicle. Considering my circumstances, I determined that obtaining a personal XXXX  loan would be the most suitable option, as it would enable me to purchase a car using the refund from my tuition payment for the academic year, which had already been settled. I submitted an application for the loan and awaited approval from XXXX. Due to a combination of personal challenges and the additional stress of managing classes and transportation, I came to the realization that I could not continue with the ongoing semester. I promptly communicated this matter to my professor/advisor on XX/XX/XXXX, informing them of my situation. I submitted the form, believing that all necessary steps had been taken. However, even after several weeks had passed since my withdrawal, I continued to receive notifications from XXXX, an application I utilized to receive updates on upcoming assignments. Upon inquiring about this matter, I was informed that the removal process from the system takes time after withdrawing, thus explaining the reason for the persistent alerts. 
Approximately a year later, I expressed my intention to resume my degree program. Upon consulting with the financial aid department, I was informed that my XXXX  had significantly declined, resulting in my placement on academic probation. This revelation puzzled me, as I had previously been recognized on XXXX 's honor roll. Subsequently, it was revealed that the semesters I believed I had withdrawn from were not officially dropped. Additionally, due to my advisor 's selection of classes for both the fall and spring semesters, I was billed for the unfinished XXXX XXXX and the XXXX XXXX, which I never attended. 
Recently, I received an email from Sallie Mae, notifying me of payment obligations for XXXX separate loans. This revelation came as a shock, as I had previously taken out a loan in XXXX, but I was unaware of this new loan and its approval. According to the loan distributor, XXXX University had accepted the funds, which surprised me as the acceptance dates corresponded with the period after I had already withdrawn. Additionally, I received an amended award letter instructing me to accept it through XXXX, which I never did, thus leaving me uncertain about the loan processing. Despite XXXX 's acceptance of the private loan, I never received a refund check for either semester. Consequently, I find myself burdened with over {$10000.00} in debt from a loan that was never disbursed to me. Considering the circumstances outlined above, XXXX University has essentially appropriated {$10000.00} from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation