I am the co-signer on XXXX student loans with Sallie Mae. The terms and conditions of the loans I have taken state that any payment received will be first applied to satisfy the minimum due amount for all loans, and any excess amount will be applied to the loan with the highest interest rate. I have sent a letter to Sallie Mae with the same instructions, and asked them to keep it on file. 

For the past XXXX payment cycles since taking the XXXX loan, Sallie Mae has not followed these terms. Instead, they apply full amount to XXXX loan, and let the other loan go into arrears. In addition, they initiate an automated calling prompt to my home phone, my cell phone, and the student borrower 's cell phone, in escalating frequency. These have continued even after I have had numerous telephone calls and assurances that this issue is in the process of being resolved. I am left to assume that Sallie Mae is unable or unwilling to change their processes without intervention from their regulating authority. 

I consider these unwarranted auto-dial calls harassment and ask : 1. for them to cease immediately, and 2. for the CFPB to instruct Sallie Mae to follow the terms and conditions of their promissory notes. 

I ask that the CFPB intervene specifically on my behalf, and if there is any class actions that can be taken, I want to consider being a part of those. 

For reference, today I have spoken with the following people at Sallie Mae who have been unable to resolve this issue : XXXX in Tennessee ; XXXX in XXXX, DE ; XXXX in XXXX, DE ; and XXXX, in XXXX, DE. XXXX 's employee number is XXXX.