Consumer complaint received 2022-01-05
Company: SLM CORPORATION
State: NY
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 financed my education through Sallie Mae. My Mom co-signed all of my loans. In XXXX of XXXX, these loans were paid in full. I re-financed with XXXX and my Mom paid some out of her personal savings. 

I received XXXX emails the other day. 

Your Billing Statement Summary Loan or Loan Group Number : XXXX XXXX XXXX XXXX Current Amount Due : {$65.00} Current Amount Due Date : XX/XX/XXXX Past Due Amount ( Pay Now ) : {$130.00} Unpaid Fees : {$3.00} Total Amount Due : {$200.00} Please Note : Any Past Due Amount is due immediately. 
Any upcoming auto debit withdrawals will be noted in your billing statement. 
We may include important messages in your complete billing statement, so be sure to check it every month. 
We are proud to be a partner in funding your future. 
Sallie Mae Customer Care Track and manage your loans easily with our app View and pay loans from your phone or tablet This loan was paid off in XXXX, Sallie Mae has confirmed this but is sending me emails telling me I am past due and they are reporting me to my credit bureau. 

The next email was this one : XXXX : Your Sallie Mae loan ( s ) listed below will be reported as delinquent to the consumer reporting agencies on XX/XX/XXXX. 

Negative information on a credit report may adversely affect your credit rating and can stay on your credit report for up to seven years. 

Theres still some time! Lets discuss your account and help you set up payment arrangements call us at XXXX, Monday - Friday, XXXX a.m. to XXXX p.m., or Saturday, XXXX a.m. to XXXX p.m. XXXX. You can also log in to SallieMae.com or access our app to review your loan and make a payment. 

Sincerely, Sallie Mae Loan Number ( s ) : XXXX I have no idea what loan number XXXX represents. I called Sallie Mae and spoke with a XXXX XXXX XXXX who advise me that loan XXXX was paid off but she couldn't tell me why I was receiving emails. 

She then said there is a loan XXXX -- I know nothing about this loan and have received no information regarding this loan via email or mail. She claims it was dispersed in XXXX of XXXX but has failed to provide any documentation supporting this loan. 

I am not being treated fairly here, I am being sent emails about an account that is paid in full telling me I am delinquent, but then they say that is paid in full. They they tell me about another supposed loan XXXX which I know nothing about. They say they have been emailing me, I have asked for proof of these emails but they have not sent anything. 

I dont believe this loan is legitimated, and I dont feel that I should be reported to the Credit Bureau when there is a dispute going on. They have been paid over {$35000.00} for these loans. 

I demand justification. I have asked XXXX for my financial documents. 

Please help me, the way I am being treated is horrible, and no one is helping. They refuse to send me anything to support his {$8000.00} loan. 

I refinanced my loans at a much lower rate, don't you think if I knew about this one I would have included it. 

Please help.

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