To Whom It May Concern : My account with Navient is XXXX. After recently pulling my credit report with the hopes of getting back on track with my finances and goals. I discovered that Navient had 10 loans listed on my credit report which are incorrect and in breach of contract. In the past, I inquired with Navient regarding the loan amounts and was never given answers. I also recently went back to my original promissory notes which I have saved in storage throughout all these years and to my surprise I discovered that I never signed a promissory note for a lot of the loans accounts you have listed. There were different amounts/loans listed on the promissory note so I further investigated. After further researching and obtaining a complete breakdown of all my schools bills/financial aide it was then discovered that Navient combined loans and you do not have promissory notes for these new combined loans thus making the loans in breach of contract and invalid. 



On XX/XX/XXXX, a loan in the Amount of {$5000.00} was dispersed to XXXX   XXXX University. This loan was combined with a loan taken out on XX/XX/XXXX in the Amount of {$5000.00} with a school refund dispersed back to Sallie Mae in the Amount of {$1200.00} making the new combined Loan with Sallie Mae/Navient listed with a dispersement date of XX/XX/XXXX ( XXXX ) in the amount of {$8700.00}. The interest accumulated on this loan now makes it a total of {$15000.00}. This is in breach of contract as they are two separate loans taken on two different dates almost 5 months apart. This debt is not valid as I did not agree or sign for this amount and this was verified by my promissory notes during that time frame. XXXX  XXXX University was not dispersed {$8700.00} on XX/XX/XXXX on my behalf. Combining the Loan has caused interest to accumulate at a greater rate/cost versus the amount of interest that would have accumulated had these two loans not been combined. Creating a new loan by combining these two balances thus invalidates this debt as a promissory note is good for the life of the loan and can not be altered unless the consumer to whom the debt belongs signs a new promissory note agreeing to this which I did not. 

On XX/XX/XXXX two separate loans were taken out in the amount of {$1500.00} each both dispersed to XXXX XXXX University on XX/XX/XXXX in the amount of {$1500.00} each as two separate promissory notes were signed. Navient AGAIN combined both loans and listed the date of dispersement as XX/XX/XXXX ( XXXX ) which is incorrect. This is in breach of contract AGAIN as they are two separate loans taken out months after the date to which you have listed on the account. This debt is not valid as I did not agree or sign for this combined amount and this amount was not dispersed on XX/XX/XXXX. The interest accumulated on this loan now makes it a total of {$5200.00}. I did not sign a promissory note or agree to the combined loan amount Navient has listed. 

On XX/XX/XXXX, a loan in the amount {$4800.00} was dispersed to XXXX XXXX University and on XX/XX/XXXX another loan was dispersed to the XXXX XXXX University in the amount of {$4800.00}. Navient yet AGAIN combined both loans taken out almost 3 months apart thus making the new total {$9600.00}. The interest accumulated on this loan now makes it a total of {$20000.00}. This is in breach of contract AGAIN as they are two separate loans with 2 separate promissory notes taken out on two different dates almost 3 months apart. Navient listed the date as XX/XX/XXXX ( XXXX ) as origination for the amount of {$9600.00}. This debt is not valid as I did not agree or sign for this and this amount of {$9600.00} was not dispersed to XXXX XXXX University on XX/XX/XXXX. I did not sign a promissory note for this amount. These were two separate loans with two separate promissory notes. 

On XX/XX/XXXX, two separate loans were dispersed to XXXX XXXX University In the amount of {$1500.00} each. These two loans were AGAIN combined for a total of {$3000.00} ( XXXX ) despite two separate promissory notes being signed as there were 2 separate applications for these loans. The interest accumulated on this loan now makes it a total of {$5200.00}. This is in breach of contract AGAIN as they are two separate loans taken out in two different amounts. I did not sign a promissory note or agree to the combined loan amount Navient has listed. 



Also, I have made several PRINICIPAL ONLY payments towards the loan listed with an original amount of {$8300.00} ( XXXX ) before these loans were in repayment, Sallie Mae/Navient to my surprise applied none of these payments towards this amount instead Sallie Mae/Navient applied it towards future interest/current interest and also towards my federal loans which have since been consolidated with another company. This led to no reduction in my principal despite me specifying principal payment only on my checks. The interest accumulated on this loan now makes it a total of {$18000.00}. This loan would be significantly less had Salie Mae/Navient applied my payment correctly.

The Loan with the original amount of {$12000.00} ( XXXX ) was also supposed to be paid in full and still has an outstanding balance of {$900.00} despite me making payments to have it applied to PRINCIPAL ONLY yet again. 



Payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, were broken up with over {$10000.00} being applied to interest despite my checks specifying principal only and despite me calling in again specifying principle only. It was also noticed that after making significant payments that interest was capitalized in very high amounts to offset the payments made thereby keeping the consumer in debt. 



Also Navient has listed that on XX/XX/XXXX, that they dispersed {$11000.00}, however {$4100.00} was dispersed and that loan was paid in full on XX/XX/XXXX, right after XXXX XXXX rejected {$7700.00} back to Sallie Mae, Sallie Mae/Navient began to capitalize interest almost immediately in the amount of {$3800.00} and {$3.00}, XXXX, yet again to offset the balance that was returned to Sallie Mae by XXXX XXXX thereby keeping the consumer in debt. Sallie Mae then turned around on XX/XX/XXXX after the loan was paid in full on XX/XX/XXXX and capitalized interest in the amount of {$5000.00} again to offset the amount paid so that the consumer remains in debt. As a result the balance of the loans changes at minimum. 

Also several of the loans that you have listed as dispersed on XX/XX/XXXX, XX/XX/XXXX ( listed twice for 2 different amounts ), XX/XX/XXXX are incorrect. I am now in the process of gathering the records from my federal student loan consolidation to see if you sent this amount over to the consolidation company as it is off and increased by thousands of dollars to which Sallie Mae collected money on loan amounts that were incorrect and invalid. 

It should be noted that when I spoke with XXXX XXXX XXXX to whom you have assigned to collect these debts Navient went and fraudulently changed all of my Account history online to cover up there wrong doings. Please see the uploaded documentation printed prior to my conversation with XXXX and then after my conversation with XXXX. I verbalized to XXXX XXXX the practices that Navient and Sallie Mae has been engaging in and that I never signed promissory notes for these combined loans and also pointed out that your records dont match my school records or promissory notes at which point Navient changed their records. However, it was already noted as I have several copies of print outs from different dates that show Navient Blatantly altered their records and removed all record of all capitalized interest and payments that I questioned. 

To say that these practices are predatory and also illegal is an understatement. It is against the law to combine loan amounts WITHOUT the consent of the consumer via a Promissory note to whom the obligation to repay a debt belongs too. I did not agree for these loans to be combined or consolidated. I did not agree for payments made for principal only to be applied towards future capitalized interest. This has resulted in thousands of dollars in interest that has been accumulating at a much higher rate due to the amount of the loan Navient has listed vs the amount of interest that should have ACTUALLY been accumulating at the lower original amount if Navient would not have breached the contract for each of these separate loans. This has also resulted in increased principal despite payments made and incorrect loan amounts listed vs what was actually borrowed. Each year hopeful and vulnerable students who are desperate to get an education come to Navient/SallieMae with aspirations to Achieve. We students never achieve to be taken advantage of by predatory illegal lending practices. 
I sent over email requests to the advocate at navient, customer service, also mailed in my documents over a month ago, they still have not sent me my promissory notes so that I can prove they do not match. Even if they are investigating I have sent them majority of my documentation proving their fraud, they should provide me with the promissory notes they claim to have while they are investigating. They do not exist. I have asked that they respond in 30 days with these documents and they still remain outstanding.