Sallie Mae Lies over the Phone

2

At one point during his conversation he claims there were _only 2 over the phone transactions_ back in 2007. He was trying to wiggle out of blame for the abuse of trust in banking, they did in October 2008. My bank documents to the contrary of his claims. Realizing at some point, he was a blatant liar incapable of disputing bank records at BBandT, he changed his story, saying that the transaction in question (yes, he changed his story and _agreed something_ took place in October 2008). Despite changing his story, it was on his computer screen, all along, and he was lying about it.

Over the Phone Conversation Part One



Over the Phone Conversation Part Two



http://youtube.com/watch?v=ch82L9fUty8
(7:24 / 9:01) '... He's going to pull up my history
(8:02 / 9:01) '... There's only 2 payments and that was in 2007...over the phone ma'am"
Listen carefully to his smug and cocky tone as he attempts to deny the over the phone transaction in October 2008, then diverts to the "I don't give you permission to record." He was lying and he knew it. Of course he didn't want his lying recorded.
(8:42 / 9:01) '...when did you make a payment over the phone?' (as if he didn't have the information on his screen?)

http://youtube.com/watch?v=O-NfHcCQ_J8
(0:26 / 5:14) '...when did you make a payment over the phone that we took 2.5x the amount?'
(0:42 / 5:14) '...you did an auto-debit it takes it automatically out of your monthly payment.'
(0:50 / 5:14) '...you did an auto-debit October 2008...'

Initially, I didn't catch his trying to blame me for an "auto debit". He is lying. I'll let the records at BBandT speak for themselves.
http://artscape.us/sallie_mae/bbt_statement_nov_2008.jpg
10/27 SLMA DEBIT SALLIE MAE XXXXXXXD01F $313.33
Does that look remotely as if me, myself made an "auto debit"? Or rather, that Sallie Mae made that debit? It was no "auto-debit".
Which explains why BBandT issued a reversal of the charge:
http://artscape.us/sallie_mae/bbt_statement_dec_2008.jpg
Two lies don't fix the story. There was only an over the phone transaction Sallie Mae processed, and the bank statement verifies the charge came from Sallie Mae.

In fact, take a look at the way BBandT records debits from Sallie Mae vs. online checks aka "auto debits"
http://artscape.us/sallie_mae/sallie_mae_activity.jpg
03/16/2009 Debit Online Pmt Sallie Mae CKF927529477POS $40

After this act of charging 2.5x the amount, BBandT told me to not give my bank account information to Sallie Mae anymore. My bank said legitimate institutions in banking do not do what Sallie Mae has done. I think... BBandT is on to something.
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I got the woman who answered the phone _to admit_ that a forebearance "hardship form" is something that has income on it, and to be signed. Instead of such a form, they sent just another junk flyer for harrassment. See
http://www.artscape.us/sallie_mae/envelope.jpg
http://www.artscape.us/sallie_mae/enclosure.jpg (both of which are dated incidentally)
Do either of those documents look like a "hardship form" to be signed or with income on it? No, they do not. Running me around in circles and avoid sending the forbearance forms they promised back in October 2008. See: 60 Minutes CBS / Default Loans = Big Profits.

Sallie Mae has repeatedly refused to send or discuss forbearance information since October 2008 (the supervisor on floor admit during conversation forbearance can be taken care of over the phone, so I'm asking WHY WASN'T IT... back in October 2008 when they promised to send them to me., March 2009 I began contacting them again -- meeting with the same refusal to send forms....

Here's where they confirmed (after emailing telling me to log in to my account) they'd locked me out from accessing my account online. They run people around in circles for months, refusing to send federal forms like federal law requires them to do, causing them to default their loans which Sallie Mae sells off to collection agencies for big profits. (Search Google for: 60 Minutes CBS + Sallie Mae Loan Fraud)

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Westwood College Scam

9

Students say college misled them
01:46 PM CST on Tuesday, February 22, 2005

By BYRON HARRIS / WFAA-TV


There's a long-held American belief that education is the key to a better life.

But a News 8 investigation has found that scores of young men and women claim to have been duped by a chain of private schools in North Texas.

They were fresh out of high school. They often lacked the grades or money for college. Yet, they wanted a degree that will lead them to a career, so they went to a private for-profit school called Westwood College of Technology for an associate degree.

What many said they got, however, were a worthless piece of paper and crippling debt.

Each morning seems bright for hundreds of students on Westwood's campuses in Euless and Dallas, because every minute spent on those campuses is based on the promise of a better life through education - a sense of promise based on Westwood's widely-aired TV commercials.

"You need to know where the really hot careers are," said the ad. "You have lots of questions, and Westwood College has lots of answers."

Westwood is expensive, from $27,000 to $34,000 for about a year and a half of classes. That's as much as a year's tuition at Harvard, or four years at UT-Austin.

Brazell said. "We were trained to make them 'feel their pain.'"

And pain is what Katrina Vargas, a single mom, felt after completing her degree at Westwood.

"Now I'm a single mother, still, and I'm in so much debt," Vargas said. "I have marks on my credit, I can't pay for my daughter's needs ... my mom has to help me."

"I got people in financial jeopardy rather than getting into a career," Brazell said. "They made bets with me on how many students I would enroll."

READ THE ENTIRE STORY:
Students say college misled them, WFAA News, Byron Harris

----- Original Message -----
From: "Sharon"
To: stephen schoeni salliemae com
Sent: Wednesday, March 18, 2009 1:52 AM
Subject: Prison


"...And pain is what Katrina Vargas, a single mom, felt after completing her degree at Westwood. "Now I'm a single mother, still, and I'm in so much debt," Vargas said. "I have marks on my credit, I can't pay for my daughter's needs ... my mom has to help me."
~ Dallas /Fort Worth, Texas

I feel their pain, Mr. Schoeni, being I'm living through the same financial nightmare your predatory business practices lured me and untold tens of thousands into.

When Mr. Wong asked me to advertise your scam from _my_ science blog and our science web sites? Ha, there's no way... but I did tell him I'd give Sallie Mae/Westwood Scam lots of PRO BONO exposure.
I read today on one site I found discussing the Westwood fraud, that somebody 'had taken down the fight westwood site'..
Okay, as promised to do, I'll do my part and create a blogspot (~fight-westwood.blogspot.com) their idea which is good enough -- and adding lots of links to information like the article at WFAA News (Dallas / Fort Worth).. and I'll use all the pre-existing sites at my disposal to give top billing to exposing and linking to the Westwood College Online / Sallie Mae fraud, republishing some of the same letters I've shared with you and the reporters.
If victims of the Westwood fraud want to come mourn their sorrow, then I'll welcome them with an open embrace. But there will be no greater reason to rejoice, when the criminals at Sallie Mae and Westwood, are sitting behind bars.

You people deserve only a long stretch in federal prison, and the key thrown away!

Best, Sharon

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