Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION
State: PA

Complaint narrative:
This complaint concerns Sallie Maes ongoing and escalating pattern of illegal, harassing, and willful contact, despite multiple formal cease-contact requests and a legally binding revocation of consent under federal law. 

On XX/XX/XXXX, I submitted a written opt-out request via SMS, instructing Sallie Mae XXXX XXXX all contact. Sallie Mae explicitly acknowledged this revocation in writing by responding, No further messages will be sent. This message meets the legal standard for revocation of consent under the Telephone Consumer Protection Act ( 47 U.S. Code 227 ), and aligns with federal case law, which holds that consent XXXX be revoked by any reasonable method ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). Despite this, Sallie Mae continued to contact me in clear, willful violation of federal law. 

Specifically, after XX/XX/XXXX, I received : XXXX phone calls XXXX automated or prerecorded voicemails Each of these contacts represents an individual violation of the XXXX and potentially the FDCPA. 

Additional facts : I also verbally revoked consent during XXXX separate live calls with Sallie Mae agents. These verbal cease-contact requests were ignored. 

I submitted multiple CFPB complaints, each explicitly requesting that Sallie Mae cease contact and discharge my loans. Sallie Mae acknowledged these complaints but continued contacting me, often via the same methods I had previously objected to. 

I sent itemized invoices via email, documenting each illegal call and associated monetary damages. These were never addressed. 

Upon following up, I received email bounce-back notifications, indicating I had been blocked from further communication. This retaliatory action further illustrates bad faith. 

I also sent a certified cease-contact and loan discharge demand to XXXX XXXX XXXX department XXXX The letter was delivered and marked received on XX/XX/XXXX. Sallie Mae has never acknowledged or responded to this letter in any form. 

In a XX/XX/XXXX written response, Sallie Mae admitted to the use of an autodialer, which directly substantiates willful XXXX violations and undermines any defense that calls were manually placed. 

I have also received a series of automated emails post-opt-out, some of which used suggestive language warning of unspecified consequences. While I am not requesting damages for these emails, they further support a sustained campaign of psychological pressure, harassment, and retaliatory conduct. 

In their identical responses to each CFPB complaint, Sallie Mae asserted that I am not entitled to any compensation due to the terms of my loan contracts. I must emphasize : this complaint is not about the loan terms themselves. I took out these loans between the ages of XXXX and XXXX, and while I lacked the capacity at the time to fully understand the legal and financial complexity of these agreements, that is not the basis of my complaint. This complaint concerns XXXX XXXX willful misconduct, abusive collection tactics, and violations of federal law committed against me as an adult borrower. 

Given the totality of these facts, Sallie Mae has demonstrated : Willful and repeated violations of federal law Predatory and retaliatory behavior A persistent pattern of harassment Complete disregard for multiple legal cease-contact directives Resolution Requested : I am requesting either full discharge of all loan balances and interest, or a substantial cash settlement in the amount of {$100000.00}. This amount is proportional not only to the scale and illegality of the violations, but also to the duration of the harassment and the emotional and mental toll it has taken. Despite multiple formal and reasonable attempts to have this contact cease via SMS, verbal phone requests, written emails, certified mail, and CFPB complaints Sallie Mae has continued to ignore these requests and has escalated its pattern of misconduct. The requested settlement reflects the severity of the violations, the emotional distress incurred, and the failure of Sallie Mae to respond in good faith over an extended period of time. 

I have contacted legal counsel and am fully prepared to initiate formal litigation if this matter is not resolved promptly. My documentation includes complete, time-stamped records of all unlawful contact, including call logs, voicemail recordings, CFPB filings, email transcripts, certified mail receipts, and Sallie Maes XXXX XXXX of autodialer use. This evidence has been professionally organized for federal XXXX and FDCPA litigation and will be presented in full if necessary. 

This complaint is not symbolic. It reflects a serious, ongoing violation of consumer protection laws. I respectfully request the CFPB treat this as a high-risk compliance matter and take appropriate action to hold Sallie Mae XXXX for its sustained and willful misconduct.

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