RR: Comments elsewhere on 800Notes continue to confirm this is debt collection agency Pentagroup Financial, and not ''Sallie Mae'' or any other original creditor. THEY are the liars here. That and the rapid call pattern and the various abusive remarks from that rep give you a solid cause of action to sue PF for FDCPA violations and possibly breaking your state law.

Whether you are called a debtor or some collector thinks you can flush one out, you have rights and options. Many are simple to exercise if you only learn how. You are granted control of how you are contacted, the right to dispute debt claims, and the means to sue lawbreakers at low cost. The FTC and the CFPB can start you on your homework. See also if your state laws grant additional or stronger rights.

official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act

CFPB reiteration of the Fair Debt Collection Practices Act
 Oct 16th, 2012
Person actually to me I lied about my address & SS#. Said my name is the only one in the world; thus, I have to take responsibilty! Person refused to accept they were wrong. Called 7 times in 10 minutes. When asked - said they were Sallie Mae. Never - Never had any dealings with Sallie Mae!
 Oct 16th, 2012
Collections for Dell. Trying to collect on an account that I had paid off earlier in the year. Person was pleasant and sent my payoff information to Dell for me.
 Dec 16th, 2008
I received a call from this number this morning, they were telling me I had a long-overdue balance of $1700. I asked 3 times who was calling and never did understand who they were and where the balance was from. I told them that any balances I ever had were paid off in 2003 and told them this was bull, then hung up.
 Dec 01st, 2008