Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION
State: IN

Complaint narrative:
I graduated from XXXX XXXX in XX/XX/XXXX and attended University XXXX XXXX XX/XX/XXXX. I had the XXXX XXXX XXXX to cover the cost of my tuition cost from my XXXX degree and I was planning to use federal loans to pay for my room and board. My mother ( XXXX XXXX ) did not inform me that XXXX XXXX XXXX only covers the cost for public universities, not private universities. XXXX XXXX opened Sallie Mar loans without my consent and awareness and also forged my signature on the paperwork of the loans. XXXX XXXX also made my grandmother the cosigner of the loans, my grandmother is XXXX XXXX. XXXX XXXX also forged my grandmother 's signature on the paperwork without her awareness and consent. In the school year of XXXX to XXXX, I left university XXXX XXXX because XXXX informed me that I needed to start making monthly payments on my loans in which I told her that I understood that I have loans taken out but my plan is to participate into the Public Service Loan Forgiveness program, which she did not inform me that the loans were private student loans. 

In the year of XXXX, my grandmother called me to inform me that she found pieces of mail that XXXX was hiding from her. XXXX and my grandmother lived in the same residence in XXXX, XXXX in which the house belonged to my grandmother. My grandmother informed me that my mother opened an account through XXXX XXXX under my name and Sallie Mae. I did reviewed the pieces of mail to review and can confirm that the pieces of mail did state my information to be linked to the accounts. I had to take care of the XXXX XXXX fraud charges first which they did confirm that the email linked to the account was XXXX 's email, and they were able to release my name off the account. 

I did make attempts to Sallie Mae since XXXX about not consenting to the loans and that my Identity was used as Fraud and not giving my consent. The multiple account managers avoided to give me assistance and guidance on what to do further. Also, I was in graduate school in XXXX. In XX/XX/XXXX, my grandmother was diagnosed with XXXX and went on to doing treatment. My grandmother passed away in XX/XX/XXXX. 

I graduated from my graduate program in XX/XX/XXXX, and I deferred the Sallie Mae loans till I was able to get my PSLF plan in action. In XX/XX/XXXX, I lost my employment due to the pandemic and cutting funds. In addition, Sallie Mae informed me that the debt is on a freeze of collection. 

In XXXX, I started working with multiple account managers of Sallie about my consent not being given to the loans with no support and guidance of what I could do. I did start a payment plan with Sallie Mae for up to a year until I spoke to an account manager through Sallie Mae in XX/XX/XXXX and the account manager 's name was XXXX. XXXX informed me that Sallie Mae can initiate an investigation for Fraud and advised me to do a police report and FTC Identity Theft Report. I completed a police report on XX/XX/XXXX and also submitted a FTC report on the same day. The XXXX XXXX Police Department ( XXXX ) case number is XXXX and the office that took my report was XXXX XXXX and her ID number is XXXX. The FTC Report number is XXXX. 

on XX/XX/XXXX, I spoke to XXXX from Sallie Mae Fraud Department about the results of the investigation. XXXX informed me that the investigation was closed due to lack of evidence. I asked what is needed further for evidence and what evidence did their investigation come across to conclude the results. XXXX informed me that the results of Sallie Mae 's investigation ended because they found an email of XXXX matching to my name and saw that the email was created in XXXX and the last entry of log in to the email was dated XX/XX/XXXX. XXXX. I did communicate with XXXX that I never created this email and did not access it at all, especially in XXXX. XXXX then told me that I needed to provided Sallie Mae Fraud Department my police case number in order for Sallie Mae Fraud Department to work with XXXX on the case to go further. I gathered the information and made a call on XX/XX/XXXX and spoke with a XXXX ( I believe that is what it sounded like to me ), and she informed me that I needed for the XXXX  to have an active arrest as part of my proof. I informed her that is not what XXXX told me on XX/XX/XXXX. XXXX took time to review the notes on my file through Sallie Mae from her statement and stated that I still benefited from the loans even though I informed her that I did not consent to the loans. XXXX asked me how did I expect my schooling to be covered. I informed her of my plan of using my XXXX XXXX XXXX and use federal loans to pay form my housing in which was my awareness of what was covering the cost. XXXX continued to communicate to me that I still benefited from the loans in which is still my responsibility to pay back the loans until there is an arrest made by XXXX  and that Sallie Mae will not freeze the loans until charges are pressed and an arrest is made by XXXX

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