Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am the cosigner on my daughter XXXX XXXX Sallie Mae student loans ( loan numbers ending in XXXX, XXXX, and XXXX ). I am filing this complaint because Sallie Maes documented servicing errors, incorrect information, and mishandling of her account have caused severe, unjust harm to me as the cosigner, including significant damage to my credit and imminent risk of being held liable for a loan that is about to default due to Sallie Maes own mistakes. 

XXXX. Servicing Errors That Caused the Delinquency My daughter has been actively enrolled in school and repeatedly attempted to submit her in-school deferment. Sallie Mae repeatedly sent her the wrong deferment form, which she completed multiple times. On XX/XX/year>, a Sallie Mae representative admitted on a recorded call that the wrong forms were sent and the information given to her had been incorrect. 

Sallie Mae also failed to disclose that their system automatically rejects documents uploaded as XXXX, despite instructing borrowers on their website to upload documents in XXXX  format. Because this was never communicated, her deferment documents were repeatedly rejected without explanation. 

These errors directly caused the loan to be improperly removed from deferment and placed into unaffordable repayment. 

XXXX. Sallie Mae Provided False Information About Payment Assistance My daughter informed Sallie Mae several times that the repayment amount far exceeded her income. She asked for any form of income-based or hardship assistance. Sallie Mae told her no such programs existed, which was untrue. Their later written response to the first CFPB complaint confirmed that repayment programs do exist, contradicting their earlier statements. 

XXXX. Harm to the Cosigner ( Me ) I have always maintained excellent credit, consistently in the high XXXX and XXXX, and I have never missed payments with any creditor. Despite this, Sallie Mae reported delinquency related to these servicing errors to the credit bureaus, which has significantly damaged my credit. 

This happened although : I am not the primary borrower I had no control over Sallie Maes errors The delinquency resulted entirely from their internal mistakes Enrollment verification was repeatedly provided XXXX. Imminent Default Final Default Notice Received On XX/XX/year>, Sallie Mae issued a Final Default Notice, stating that the loan will default on XX/XX/year> at XXXX XXXX  EST. 

If this default occurs, I will suffer : Long-term credit damage Potential legal liability for the full balance Collection activity Serious financial instability This default is happening solely because Sallie Mae mishandled deferment, rejected documents without explanation, and provided false information. 

XXXX. Attempts to Resolve the Situation We have : Contacted Sallie Mae repeatedly Provided enrollment documentation multiple times Sent certified mail to Sallie Maes Executive Resolution team Filed a CFPB complaint for the primary borrower Filed a Michigan Attorney General complaint Uploaded the Final Default Notice and relevant records Despite all this, Sallie Mae has not corrected its errors or prevented the wrongful default. 

XXXX. Request for CFPB Assistance I am asking for the CFPBs help to prevent a wrongful, servicer-caused default and to address the substantial harm already done to me as the cosigner. 



Emergency Update Imminent Wrongful Default This is an urgent update to my existing CFPB complaint regarding Sallie Maes servicing failures on my daughters student loan account, for which I am the cosigner. 

Sallie Mae has issued a Final Default Notice stating the loan will default on XX/XX/year> at XXXX XXXX  EST, despite the fact that all delinquency resulted from their own documented errors. 

I want to make the CFPB aware of the following critical facts : XXXX. The delinquency was caused entirely by Sallie Maes admitted mistakes : Sallie Mae sent the wrong deferment forms multiple times. 

A representative admitted this error on XX/XX/year>, during a recorded call. 

Sallie Mae failed to disclose that documents uploaded as XXXX  are automatically rejected. 

This undisclosed rule caused multiple deferment attempts to fail. 

Sallie Mae also gave false information regarding payment assistance programs, stating none existed when in fact they do. 

XXXX. My credit has already been seriously harmed. 

I have always maintained excellent credit ( high XXXX ), and I played no role in the delinquency. Sallie Maes inaccurate reporting has already caused measurable damage to my credit. 

XXXX. I am at risk of being held liable for the full balance. 

If this loan defaults, I will be exposed to immediate collection activity, further credit damage, and long-term financial harm, despite having no control over the errors that caused this situation. 

XXXX. This default will occur during an active dispute. 

Federal and state complaints are open, including : My CFPB complaint The borrowers CFPB complaint My Michigan Attorney General complaint The borrowers Michigan Attorney General complaint

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