Consumer complaint received 2025-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
Complaint Summary : I am filing this complaint to report ongoing unlawful collection practices by Sallie Mae and to demand the immediate and complete discharge of all loans held by them, as well as personal remittance of unpaid invoices I have submitted in response to their repeated violations. My claims include : 1. Initiation of collections during a valid deferment period 2. Continued contact after I revoked consent in writing 3. Use of vague and deceptive voicemail language 4. Ignored invoices and non-response to documented notices of violation 1. Collection Activity During Deferment Period Sallie Mae began collection activity while my loans were in a valid deferment status. This constitutes a material breach of contract, as the deferment agreement clearly prohibits collection efforts during the approved period. 
As a result of this breach, Sallie Mae has forfeited its standing to enforce these loan agreements. I assert that the loans should be considered void, and I am requesting immediate full discharge of all Sallie Mae loans. 

Legal Support : - Restatement ( Second ) of Contracts XXXX a material breach excuses the other partys obligations- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX debt voided after breach of servicing terms 2. Harassment After Revoking Consent to Contact I sent a written text message explicitly stating, Stop contacting me. Sallie Mae replied that I must log into their portal to change messaging preferences which is an unlawful condition not supported by statute.

Despite my request, Sallie Mae continued to leave voicemails and send messages, violating my rights under the Telephone Consumer Protection Act ( TCPA ). 

Legal Support : - XXXX XXXX XXXX XXXX XXXX, XXXX consumers may revoke consent by any reasonable means - XXXXXXXX XXXX XXXX XXXX XXXX consent revocation is valid whether oral or written - 47 U.S.C. 227 ( TCPA ) continued contact after consent withdrawal may trigger statutory damages 3. Vague and Deceptive Voicemail Language Sallie Mae has repeatedly left voicemails stating only that they need to discuss an important business matter, without disclosing that the message relates to debt. This language is intentionally vague and is designed to create confusion, pressure, and anxiety. 

Legal Support : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX debt-related voicemails must be clear and not misleading - Deceptive or evasive collection tactics are widely recognized as coercive and abusive 4. Invoicing of Violations and Lack of Response For every continued contact made after my written request to cease communication, I submitted formal invoices to Sallie Mae via their customer service channels, citing the violations and requesting damages consistent with TCPA enforcement practices.

To date : - None of these invoices have been acknowledged- No resolution has been offered- Collections have continued uninterrupted This pattern demonstrates blatant disregard for federal protections, ethical servicing standards, and good-faith borrower communication. 
Requested Resolution : I am formally requesting the following : - Immediate discharge of all student loans held by Sallie Mae due to breach of contract and unlawful collection activity - Personal payment to me for each invoiced violation, in accordance with consumer protection statutes and the TCPA - Cease and desist order against any future communication attempts - Regulatory review and disciplinary action concerning Sallie Maes deceptive contact tactics and disregard for borrower rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief