Post # 1
Sallie Mae hates me. I defaulted on a loan, and when I finally got in contact with someone to fix it, they told me I could make 3 payments of $485, between December and February, and the loan would be considered paid. Well, made my last payment fen 28th, and haven’t heard anything til today. Got a bill for $600(and some change) to finish my loan. I thought I already had. Nothing was ever mailed to me about my 3 payments of $485 clearing the bill, so I have no written documentation, only bank records showing I paid them the payments. I can’t call them til tomorrow cause they are closed.
Help! Do I have a leg to stand on since nothing was ever in writing?
Post # 3
Were the payments directly from your bank account to Sallie Mae? Then you have legitimate proof of the transaction where you paid, and they should be able to help you.
Post # 4
@AJester2: When was the bill for $600 postmarked? It could have been sent out prior to your Feb 28th payment.
Post # 5
Sallie mae is notorious for this. We payed a 20 thousand dollar loan throughout a year ago ( during the semesters) and called to check recently that that loan has been marked as paid , they had no record of the loan……YAY! They send you to their “lost” loans department or whatever and it was ridiculous. Luckily we had everything documented.
I agree with others about post marking..sometimes its a “if you see this and have paid already please disregard blah blah”
Post # 6
Post # 7
It’s postmarked April 2nd. I have documentation that I paid the 3 payments but not of the conversation where they said it would be settled after those payments (since it had defaulted).
Post # 8
Sallie Mae is hands down the worst company I have ever had to deal with. I have a crazy huge amount of loans from them and luckily right now I’m back in school so I don’t have to pay them. I have had numerous occasions where they either tell me something wrong or don’t tell me at all (like when my loan terms apparently changed and they didn’t notify me and I ended up being deliquent).
I know I’m not being helpful but just so you know you’re not alone in dealing with them. Good luck!
Post # 9
@AJester2: Never trust them, ever. They are so devious. Even though I’ve never defaulted they have tried to “lose” payments and claim I never made them. I have to keep track of every confirmation number, conversation, employee, date, time etc.
I have a whole spreadsheet for Salli Mae and it is ridiculous.
Post # 10
I hate Sallie Mae!!!! They have screwed up my payments so many times, and I have always ended up being penalized. I once made a payment over the phone and the customer service rep swapped numbers in my account number. Since I don’t check my online banking too frequently (I always know approximately how much is in my account), I had no idea that the payment didn’t go through for weeks. When they called me about my default payment, they said it was my fault that I didn’t notice it (even though they acknowledged that the account number had been entered wrong by the rep). They ended up turning me over to their COLLECTIONS department, where they gave me an embarassing and degrading survey about how much I made, what all of my bills were, and how much I could “afford” to give them. I NEVER HAD AN ISSUE IN THE FIRST PLACE!!!! JUST TAKE THE STINKING PAYMENT OUT OF MY ACCOUNT!!!! I am searching for ways to get this debt rolled over to someone else, but I have no idea how. I just don’t want to deal with them any more.
Bottom line: I feel your pain!!!!
Post # 11
Because I heard many horror stories about them, I only pay them by check. And they are literally the only place I write checks to. So far I’ve never had a problem. You can never go wrong writing a check because if they try to claim you never paid, you can nicely print out the cancelled checks and proceed to tell them to wipe your @$$ with them, lol!
Post # 12
My mom and I have had MAJOR Sallie Mae drama. I’m pretty sure my mom forged my signature to cosign a loan for my college (she was supposed to be solely responsible on any loans for my undergrad under my parents’ divorce decree, and I don’t ever remember cosigning a loan, and I didn’t even know about the loan until I started getting delinquent notices when mom stopped paying). I contacted Sallie Mae about it, and they said without filing a police report (which I really don’t want to do to my mother, who’s in a hard enough spot), they won’t remove the blotches from my credit report and the only way to remove my name as cosigner is to have the payments made, in full and on time, for three years (which will never, ever happen in a million years with my mother).
Then in the middle of the whole debacle, the payment was $175 in arrears and about four days from posting to my credit report again, so I made the payment, despite the fact that mom had promised to make it. The next day, her payment posted. Three days later, my payment posted. Since she’d paid and I was adamant about making this loan her responsibility, I requested a refund of my payment and provided all the paperwork. They said it would take up to 30 days. Three months and many phone calls later, it was gone from the online account, but it wasn’t back in my bank account. It floated in the ether for fully four months before I said you know what, screw it, keep the damn money and post it to the account.
They are un-freakin’-believable.
Post # 13
If you defaulted, did it go through a collection agency?
Post # 14
To update, I finally got in touch with my “personal account manager” and he apologized saying he has no idea why I got the bill, that he saw where I was clear of any charges. So, I took a deep breath of relief…. For now lol.