Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SLM CORPORATION
State: WA

Complaint narrative:
Below is the exact letter I mailed their compliance department. It has the relevant details necessary to follow up. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/XXXX Sallie Mae Bank Customer Resolution / Compliance Department XXXX. XXXX XXXX XXXX XXXX PA XXXX XXXX : Cease and Desist Incorrect Balance / Harassing Collection Calls Loan Account : XXXX & XXXX To Whom It May Concern, I am writing regarding the above-referenced student loan account, which I cosigned for my daughter. These loans were paid in full on XX/XX/XXXX. After the loan was paid off, Sallie Mae incorrectly added additional interest to the account. I contacted your representatives and was informed that this charge was an error and that the balance would be written off and the account closed as paid in full. Despite these assurances, Sallie Mae has failed to correct its records and continues to attempt to collect a balance that is currently stated as {$0.00}. Over the past several months, I have contacted your company no fewer than ten ( 10 ) times to resolve this issue. In addition, my household has received more than fifty ( 50 ) voicemail messages and text messages attempting to collect this erroneous amount. While none of my business it is baffling to me that a company would deploy so many resources to collect what was {$.00}. I imagine each employee that has had to call me cost Sallie Mae no less than {$10.00} for each call. Is this driving the costs up of borrowing money? Is that an effective use of U.S. Taxpayer subsidies? On XX/XX/XXXX I called and spoke with a manager. Again, he assured me that this issue would be resolved and apologized. I informed him that I appreciated his words, but I needed an email by XXXX stating that the loan was satisfied in full, the account was closed and that there would not be any negative credit reporting made. If I did not receive that email I would pursuit any, and all remedies available to me. Within a couple of hours of that call ending, I received another collection call from Sallie Mae. I again restated my position and the agent confirmed they understood and apologized. On XX/XX/XXXX at XXXX XXXX pst I received yet another collection call. I simply asked the agent after I was forced to confirm my information, to read the notes on the account and that I was not going to engage in any further discussions because my position was clear. I advised the agent to inform their supervisor that I was moving forward with my promise as I had exhausted effort more than any rationale human being would consider reasonable. This conduct is unacceptable and constitutes harassment. Accordingly, I hereby demand the following : 1. Immediate correction of your records to reflect that this loan has been Paid in Full / Satisfied in Full. 2. Written confirmation that the account balance is {$0.00} and the loan is closed. 3. Immediate cessation of all collection calls, texts, and automated communications to me or my household regarding this account. 4. Written confirmation that no negative information has been or will be reported to any credit reporting agency regarding this matter. Please be advised that any further attempts to collect this erroneous balance or continued contact by phone or automated means will be documented and used as evidence in formal complaints and potential legal action, including but not limited to complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Washington State Attorney General The Federal Trade Commission If this matter is not resolved promptly and I do not receive written confirmation that the account is paid in full, I will pursue all additional remedies available under federal and state consumer protection laws. You may respond to this letter in writing only at the email and or physical addresses listed above. Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief