Consumer complaint received 2020-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION
State: KY

Complaint narrative:
As my previous complaint XXXX stated ; I am a victim of Identity Theft from an individual who was residing in XXXX during the time she applied for a Smart Option Student Loan. According to Sallie Mae 's own terms and Conditions for the Borrower 's responsibilities ( 2nd Paragragh before the list ) : The borrower must either be a US citizen or US permanent resident with a valid government issued ID that is non-expired during the time of the loan as well as the Co-signer. On XX/XX/XXXX, the borrower, while still residing in XXXX contacted me over XXXX XXXX via my role-play account to ask if I want to be a co-signer. I never agreed nor did I give the individual access to my SSN. I believe she used ways through XXXX to track down my role-play email address to send a phishing email that hacked my phone at that time to steal my personal information saved on my phone to include my name, address, social, DOB, etc. I factory reset the phone within a day or two after the phone was attacked but lost all access to that role-play email. Even to this day XXXX will not permit access to me and can not verify it belongs to me. With my stolen information, the Borrower, XXXX XXXX XXXX forged my identity onto the co-signer section of her application with a " digital '' signature attached with a private IP address and then falsely used an Ohio address of her place of residency while living in XXXX. During a conversation with not only myself but another individual, the Borrower openly admits to not living or residing in the US in XXXX during the time the Loan was issued and approved as well as appeared on my credit report. She never arrived in the US until XXXX of XXXX. 

I had sent in an Affidavit fully filled out with supporting evidence and a Police statement from my local sheriff 's office. Even with all the required documentation, Sallie Mae did not believe me during their " Investigation ''. When I was contacted by Sallie Mae 's investigator " XXXX '' from the Fraud department, the representative was extremely hostile, rude, disrespectful and out of line with constantly interrupting me every sentence to say " Let me interject '' over and over again. I was barely able to get anything out of my mouth and what I could say, the representative twisted what I said around and threw it back in my face to make it sound like I was admitting guilt when I even stated multiple times on the phone call " I never signed an application for a Sallie Mae student loan, I have no intention of being a co-signer for a student loan, I have never met this 'XXXX  XXXX XXXX XXXX in my entire life. '' I even had to obtain an attorney through my church to step in as a 3rd party to settle the matter. They basically told him they couldn't verify the IP address as it was set to " Private '' and that they based their decision on the conversation the representative had with me on the phone. 

Next, I continued to receive harassment from the company with letters and statements demanding I take responsibility for this loan. Because of the harassment, this forced me to close all my bank accounts ( Both Checking and Savings, Certificates, etc ) down. I have filed for Bankruptcy with my husband. Our Case # is XXXX our Attorney is Mr. XXXX XXXX XXXX. I have also been in contact with all 4 credit bureaus who each have received the same attachments I am uploading with this 2nd complaint regarding the Student Loan on my records. All 4 Credit Bureaus have since removed, deleted or blocked Sallie Mae from reporting on my credit report due to being found fraudulent. I am still waiting for the confirmation letter from XXXX, however ; I have XXXX, XXXX, and XXXX  included with this complaint. 

One additional tidbit of information I would like to add to this complaint. I included two letters they issued to me that contradict each other. The first was sent XX/XX/XXXX stating the Borrower was on an assistance program from XX/XX/XXXX - XX/XX/XXXX but then in XXXX on the XXXX turn around to say the borrower was issued her assistance program from XX/XX/XXXX - XX/XX/XXXX instead. Sallie Mae is constantly back-peddling and skipping steps of their own legal processes. This forces people like myself who are victims to take drastic measures to clear their names from these fraudulent loans taken out without their consent. 

I have attached everything possible to show the fraudulency of this loan, the company violating their own terms and conditions, and the borrower openly admitting to fraud through her XXXX XXXX   account to both myself and someone else she doesn't even know in real life. All screenshots include narrative explanations from me about what was going on and my understanding of the situation during each interaction with her via XXXX XXXX. XXXX XXXX does not have contact with me using text messages as Sallie Mae 's Investigator " XXXX '' likes to claim, nor have I ever given her my mobile number. 

I hope this is enough information for the investigation. 

Very Respectfully, XXXX XXXX

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