Consumer complaint received 2019-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION

Complaint:
XX/XX/XXXX Understanding Your Debt Collection Rights XXXX i was literally coerced they pushed the debt on me from a student loan i didn't even have knowledge was open when i didn't get to finish the course due to in eligibility to attend nor get the federal loan from the department of education the school falsified my high school to make me eligible mind you they know months prior i did not obtain one the school was 3.000 miles away from my home i trusted they would take care of the loan not knowing what they did so the private lender denied my online application no signature and ask if i might have someone co sign if needed obviously waiting on the federal loan approval i was told to start and my aunt was ask to see if she pre-qualified never signing to anything just gave info to a supposedly respected school, when the truth came to surface an ethical fafsa loan officer saw two high schools with the same info from different states and brought it to the owner. i was told i need a diploma to continue education by that state or equivalency.So the private lender had not yet processed any loan to our knowledge school asked to make {$25.00} payments while attending the course in mean time awaiting approval my aunt is on one side of the country im in another. if i get federal loan She agreed to me no one else nor in writing that she will help if necessary. As we could not find a solution since i started the program 6 weeks in i couldnt continue i would have to pay the entire tuition of XXXX my family said for XXXX XXXX profession and only source of income is XXXX  benefits no way even having to dish out the whole loan i wouldnt qualify legally by that state for employment, all waas voided and terminating my signed documents with only the school, no where else, i was forced to go home i had to pay the school directly for the 6 weeks of tuition XXXX cash .fly bacl across the coast, To find out in XX/XX/XXXX the loan stayed active it was certified by the school i attended briefly the lender was now defaulting me in a loan sold it to a dispicable collections agency, i had no clue i was misled and confused because i didn't have the worthiness to get the loan I know my family did not agrue to a XXXX   partial loan when i didnt get to complete the program nor was i eligible to obtain a certification without a high school diploma. the sold it done closed i couldnt do anything i was off the grid 3 years 2 of which XXXX i never had a reason to check my credit. until i decided to live in town to rent they ran my credit and here they go alots of unknown accounts in difrent areas addresses so on. the collection company is the real disgrace here. they had my most recent cell number my updated email of which i established in XX/XX/XXXX yet supposeldy not my home address which has been the same other than hospital or treatments centers since XX/XX/XXXX. they threaten i would be sued my wages garnished i explained in fear im XXXX i dont get much social security i dont even handle my own finances i have a payee i was XXXX and i had a XXXX and during their intimidating threats they said it was a lawfirm i said i cant afford the huge amount they were asking they decided on payments i just said ok not now i XXXX XXXX XXXX i just was baker acted for XXXX and XXXX XXXX on they sent me a letter predated fill this outso you dont get sued and garnished and we have a payment plan. I was already paying the us department of education for a full specialst certification i still wasnt able to use due ti legal reasons. I was so pressured i explained i was going into a XXXX XXXX XXXX   for help with my XXXX and they sent me a email. a docusign pop up email i didnt even sent it back i view it and spent most of the time trying to remove the extention from my XXXX  all the sudden email sent back with my electrinic signature funny no other information they used that to file a lawsuit against me using wrong addresses to serve me to notify me unverifiable documents from originak creditor took there time they knew where i was but pkayed the judge and system, got default judgement against me, and i found out 7 months later calling to pay off all my unknown debts, the dockets are so frivous and manipulative i dont know what to do if i cant get no info from original creditor i have no data no loan nothing all sold to these sharks so i found out and went to the courthouse my self with self legal aid website file a motion to vacate and im awaiting to find legal aid to have a hearing judge at the time wanted to hear why didnt i show face. i wasnt service florida isnt for consumers the laws and statues are ridiculos but i have hope, what can i do starting with i disputed the original creditor HELP only thing ive done is report identity theft for accounts on credit file not mine along wit FTC the bureaus police department reports i have a detective going to start in 3 weeks to work on it i have documents but how do i avoid the collection agency from reporting the judgement to public records. i cant afford private lawyer i have to get a probono but what can i do now this was coerced by them and fraudulent by private lender by the way school shut down not long after i left.

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