Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CA

Complaint narrative:
Complaint against Sallie Mae I am filing a complaint against XXXX XXXX for incorrectly, reporting my federal student loans as being in default and transferring them to the default resolution group, despite having a documented history of consistent payment since XX/XX/XXXX. 

I have made regular monthly payments of {$100.00} to Sallie Mae without interruption. My bank statements verified that all payments were successfully processed and cleared my account. I have maintained this payment scheduled for over XXXX years, demonstrating a clear pattern of responsible, repayment, and good standing on my student loans. 

Despite this verifiable payment history, Sally made transferred my account to the default resolution group in late XXXX XXXX and reported me as in default status. This is severe servicing era that has caused significant harm. 

When I became aware of this error, I immediately compile comprehensive documentation, including complete payment, history and bank statements showing all processed payment since XXXX. I submitted this evidence proving I was current on my payments and not in default via certified mail the default resolution group received The package of documents on XX/XX/XXXX and has since dismissed all evidence. Despite this clear proof, Sallie Mae failed to correct the error or provide any explanation for why documented payment spending over XXXX years were insufficient to prove my account was in good standing. 

Sally Mays actions have caused me substantial harm : My credit has been damaged by false default. Reporting, I am at risk of wage garnishment and tax refund XXXX, I faced potential loss of eligibility for future student aid, I have suffered significant stress and wasted time attempting to correct an error I have already proven is incorrect. 

XXXX XXXX failed to conduct proper due diligence before transferring my account to default status. They did not properly verify my payment history despite having access to over XXXX years of consistent payment records. This represents a fundamental failure in their servicing obligations and a violation of my rights as a borrower who has consistently met payment obligations. 

I have documentation proving every payment made since XX/XX/XXXX, and I am prepared to provide this evidence. XXXX XXXX has access to the same payment history and should have never transferred my account to default status. 


This complaint is being filed in conjunction with a complaint against the default resolution group, complaint ID : XXXX and a complaint with the federal student aid on XXXX, as both entities have failed to properly address this documented servicing error. I have attached an ample amount of receipts via window provided. I am still currently sifting thru the online docs. Please help me. Thank you. 

If I must provide more information, then provided via window below, I will gladly do so thank you so much.

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