Miriam of Chicago IL (11/13/08) I am continually called at all hours of the day constantly by these people ON MY CELLPHONE. I had no idea who they were till i looked them up on the internet an found out they were a student loan collection agency. I dont know how they got my cellphone number an why their calling. Ive never had a student loan never applied for one never had one. An have never applied for one with this company never have dealt with this company never talked to this company. I dont understand why they keep calling me considering their a student loan debt collection company an ive never had a student loan. Its pissing me off because im constantly woken up early in the morning or at night by them calling me all the time. And they never leave a message just constantly keep calling me. An if i do pick up they have the nerve to put me on hold. I'm tired of them calling me an bothering me when i have never had any dealings with them or had a student loan. Must be something that can be done to make them stop.
Im wondering since they have the wrong person an dont seem to care if they can touch any of my money like my tax refund or my wages. If they do im suing because ive never had a student loan or bought purchased or received anything from this company. I dont know how they got my phone number an all these complaints ive been reading from other people about how horrible an seedy they are seems thats something they would try to do. I want to know what can be done. I checked my credit report sometime ago an found things on there that didnt belong an had them removed im wondering if that happened again.
Paul of Brooklyn, NY November 10, 2008
Paul of Brooklyn NY (11/10/08) I've been sending payments to my loan and they have not been credited to my account. I keep receiving late fees. When I call and ask to pay over the phone using the same bank card,there is no problem with the account but they charge 15 dollars to pay over the phone.
Late fees every month in which it is not my fault. I owe more money than what I borrowed. My credit history is being ruined.
Chris of Appleton, WI November 10, 2008
Chris of Appleton WI (11/10/08) I am recieving phone calls asking for a relatives name. I told them that this is not thier home and never was. They said they are going to keep calling me until I give them their phone number. I do not have a loan from Sallie Mae and did not co-sign for one. I did not give permission to be a referrence for one either. They will not listen and now they just call and ask for my relative who cosigned this loan only. I say they do not live here and they hang up right away.
I don't see how this is legal and I have nothing to do with this. This is the chain of who I was refered to to resolve this problem (which no one can resolve). I called the local police, Better business bureau, consumer protection, department of finacial institutions, Department of education office, They gave me Tammy's name who works for Salli mae. and finally the Federal Trade commision. All dead ends.
I am under stress because of the constant daily calls. I am currently reduced to part time at my work because of the economy. I can not keep up with just daily living expenses. Know I have these calls to add on to the stress of unemployment. Reading this site shows that nothing will help and it goes on for years no matter what you do. I must put up with this for life possibly? Even though I have nothing to do with this loan! This was becasue of my sister being late on one payment which was made already. So they are harrassing me for absolutly nothing!
Carmen of Oregon City, OR November 9, 2008
Carmen of Oregon City OR (11/09/08) This is an on-going issue. I have two loans - one private, one federal. For months, Sallie Mae has been incorrectly applying my payments to the incorrect loan. Therefore, I receive delinquency notices from them. I have contacted them numerous times about there problems with not applying my payments correctly, and each time I am assured that the problem has been resolved.
They are ruining my credit by saying I am delinquent. My frustration has hit its maximum level and I just don't know what to do anymore. Can you PLEASE help?
Julie of Manchester, NH November 8, 2008
Julie of Manchester NH (11/08/08) I too took out loans with sallie mae...federal and private. I went to cosmetology school all last year. I went full time during the day, so i needed to cover my cost of tuition as well as my cost of living (i.e. food, rent, LIFE) etc. The total I took for the year was about 39k. THROUGHOUT my year in school i was constantly in contact with sallie mae, asking questions about repayment, grace periods, etc.
They had told me that my loans could be consolidated and put on a 25 year payment plan as my private loan debt was over 30k. Extend the payments out to be able to make resonable monthly payments. A representative told me taht i'd be looking about about 360 a month after my grace period. Though that is high, i couild do it. SO now my grace period ended on 10/31/08. I deceide to sign up for the 2 year interest only payments extending for 25 years. I figure that would give my boyfriend and I some leeway with our monthly bills and allow me to get into a hair salon and build a client base. WRONG!
Sallie mae doesn't do private loan consolidation anymore. So that means that I am stuck paying off 46K (prinicpal and interest) over a 10 year span of time with no option what so ever to extend through sallie mae. My interest only payments for the enxt 2 years is 367, after taht it goes up to 740 a month. I'm not too sure as to what i am going to do in 2 years, b/c i can say right now we can't afford that. And i can't afford to get a job in a salon, which is what i went to school to do.
When I spoke with sallie mae (crying) i asked what if in 2 years my boyfriend and i are married and we want to have children. i'll be our of work for a few months...you're telling me my private loans are not deferable and thats it? the rep replied yes. So i am now working at an office, the entire reason i went to school for hair is b/c i hate office work...and now i have no choice but to do it b/c we need the moeny to pay my student loans.
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