Consumer complaint received 2019-09-26
Company: SLM CORPORATION
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My husband has been out of work for over a year, dealing with XXXX XXXX XXXX has had two XXXX and heading for another. His salary use to be around 6,500 monthly and mine is only $ XXXX monthly. So we've had a huge financial crises. 

We have two issues, one being that Sallie Mae has been abusing there repeat calling over and over to my phone, my church, my neighbors, my job, my husband ( he cosigned ) his cell phone and my children 's phones. You should subpoena full and complete phone call data, not only the calls dialed by the representatives, their dialer and robot calls. Accordance with federal or private loan laws these tactics are very, very unacceptable and should not continue, The higher education act along with the consumer protection act on abuse student loan harsh tactics on folks like Sallie Mae My husband called in XXXX and got everything setup on two more for automatic withdraw, it was agreed that the payments would start in XXXX on the XXXX. 

I called them in XXXX as the payments hadn't run on the account. I was advised that the loans were in a deferment and no payments are due at this time. 

The telephone calls started in later XXXX left a message and I returned the call. In the call the representative indicated that the account was in a deferment so there was nothing due. 

I got another call in XXXX about than 15 days so this time my husband called and the representative indicated that there was nothing due. I asked her then why are they calling then, there has to be a purpose and she gave the balance information on the account and no payment was due. but then she started reading a script about bankruptcy and that no collection activity. I inquired if there was anything due and the lady kept repeating. 

Now in XXXX we start getting at least 10 calls at home, my job and my church and my neighbors are bringing notes over that they are calling them. Her messages are a little disturbing as details are being provided over the phone on verbal messages on a machine and with live receptionist. Ms XXXX XXXX ( extension XXXX ) indicates that she has been calling all month no return calls. She is leaving extensive messages stressing urgent matters at my job stating that she is running out of time My husband returns the call yesterday and the lady indicates that the loans are 90 days past due and {$900.00} she was very rude, talked over me trying to scare him that XXXX was due in full, she could setup options to pay default was mentioned. He explained that there was nothing we could do this month, probably start next month. He explained that the call in XXXX where the representative indicated that the loans were not in repayment and nothing was due on recording. I also indicated that he could provide details on the call yesterday XXXX where Ms XXXX XXXX wouldn't help him and that if the loans would default that he would go to court and get a default reversal because Sallie Mae she was being recorded. She indicated that she is not giving him permission to record the call and she would not discuss the call further would not make arrangements and she was disconnecting the call. Ms XXXX XXXX would not help us setup arrangements. He advised them I wanted no more calls to my job, I am not allowed to receive calls at work and could loose my job.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation