Consumer complaint received 2023-01-04
Company: SLM CORPORATION
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I come home yesterday to 6 letters from the XXXX XXXX XXXX XXXX stating my wages will be garnished for Sallie Mae private loans from over 14 years ago that were discharged by Sallie Mae 8-9 years ago. I contacted Sallie Mae who forwarded me to XXXX who has done nothing, but Sallie Mae is listed as the plaintiff in this case with XXXX and XXXX Collecting. 

XXXX and XXXX filed a court complaint without serving me or giving me notice. They did this 10 years after being told by Sallie Mae this debt was not being collected. The debt was passed to XXXX, opening a door for XXXX and XXXX to back door a lawsuit, get a default judgement against me with no notice and then hide behind an income execution also without notice. I have received no complaint, no notice of court date, no notice of judgement and no notice of the execution. My rights were not only violated, they are collecting on a debt that was discharged by Sallie Mae and they know it. Here is what I sent to XXXX, waiting for a response : I have contacted Sallie Maes Customer service department of the advocate who pushed me to XXXX as they claimed my loan was sold to them, therefore have no records. BUT, its Sallie Maes name on an income execution that is the main issue. Loans that were discharged over 10 years ago are being collected on by a XXXX and XXXX XXXX. This company was told over 10 years ago to stop collection and now that Sallie mae has no records, they proceeded with the collection and went to court to get a default judgement, never serving me paperwork in the process. I was never given a chance to defend myself. I am being sent from Sallie Mae to XXXX and not getting any help. I received the paperwork on garnishment on XX/XX/XXXX and it starts 20 days from XX/XX/XXXX according to the paperwork I will attach here. There are 6 total garnishments they filed for, all of which Sallie Mae stopped collection on. My email to XXXX is as follows : Hi : My name is XXXX XXXX and I received paperwork yesterday from the XXXX XXXX XXXX office that my wages were being garnished from an old Sallie Mae loan that was discharged from a rep over 10 years ago. The company who filed this under Salle Mae is an operation named XXXX and XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX New York XXXX and their phone number is XXXX. My complaint is as follows : 1. I was never served nor told of this lawsuit being filed ( I contacted the court to determine the next step, filed a complaint with the NY State Attorney Generals Office and filed with the XXXX  and Consumer Advocates ) 2. This debt was discharged over 12 years ago and now they are collecting under Sallie Mae XXXX Inc as Administrator and agent for SLM Private Credit Student Loan Trust 3. After speaking with Sallie Maes customer advocates office, I was told to contact XXXX 4. Last time this actions took place, XXXX and XXXX was contacted by Sallie Mae 's Consumer Advocates office to stop the process while they got things figured out and then stopped collection as these loans were discharged as not mine. 5. My attorney has advised me of steps we can take if Sallie Mae or now XXXX, does not stop this collection as it was done by going around my legal rights Please, contact XXXX and XXXX and stop this process so this can be finally ended! It stopped in XXXX or XXXX, as the loans were discharged, then I got paperwork saying collection ended. I don't have this letter as its so long ago but it must be in your system. I know XXXX and XXXX can be contacted to stop this as it was done before and the Sallie Mae rep said they were a new company so they had no records of me, but you would. I can be contacted at XXXX to answer any questions, but I am also attaching a copy of 1 of the 6 Income Execution docs sent to me from the Sheriffs office and received by me yesterday for you to use. If needed I have all 6 that can be sent. Thank you and time is of the essence as they are collecting this 20 days after XX/XX/XXXX. Please at least get this paused while you search to get this figured out, as this ended 10 years ago. Thank you XXXX XXXX

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