(Closed) Student loan hell! Do I have any ground to stand on?

posted 6 years ago in College
Post # 3
Member
147 posts
Blushing bee
  • Wedding: July 2012

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
Member
3968 posts
Honey bee
  • Wedding: September 2014

@AJester2:  When was the bill for $600 postmarked? It could have been sent out prior to your Feb 28th payment.

Post # 5
Member
7293 posts
Busy Beekeeper
  • Wedding: October 2011

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 # 8
Member
1237 posts
Bumble bee
  • Wedding: October 2012

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
Hostess
11167 posts
Sugar Beekeeper

@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
Member
161 posts
Blushing bee
  • Wedding: June 2010

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
Member
155 posts
Blushing bee
  • Wedding: September 2011

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
Member
1093 posts
Bumble bee
  • Wedding: October 2012

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
Member
9824 posts
Buzzing Beekeeper

If you defaulted, did it go through a collection agency?

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