Date Received: 2023-08-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: After XXXX XXXX in XXXX, I've been handling my student loans for years. I've gone from XXXX XXXX to XXXX to XXXX and now Mohela. Currently, after transferring my loans to Mohela in XX/XX/XXXX, they have seemingly gone crazy with my balance. It took about 8 weeks after consolidating my loans to them to see any balance ( {$29000.00} ). And that balance is where it stay for about 7 months. As someone who has a fear of debts, I had been checking my balance between once a week and once a day since I got them, and on XX/XX/XXXX, I login to a change in balance. The balance went to XXXX. I have a capture of my account on XX/XX/XXXX, showing a XXXX balance as well as their trademark " Your account is in good standing. '' This, with a simple search on some forums, is what they always show to be when you owe them no money. After a conversation later that day with Mohela, they didn't honestly explain what happened to my account, besides the word " reracking '' my loan. They didn't actually explain what that was, but by XX/XX/XXXX, the balance had returned. After that, I started checking the balance of my account daily. It stayed where it was until suddenly it shifted to {$53000.00}. I have issue with this, as my repayment plan is based around the amount of {$29000.00}, and if the balance is suddenly over $ XXXX, then I'm not sure how this will affect actually paying off my loans. Additionally, I'm not sure I trust them to be truthful with my balance, if I were to pay the loan off, as I've been doing in the past. Attempts to contact the company have gotten me put into one of two situations, where either ( a ) I get stuck in a loop pressing buttons and having to start over or ( b ) thinking I'm going to get ahold of someone only to be hung up on. I've not been able to get anyone on the phone since XXXX, and I'm genuinely worried they'll continue abusing me, as withholding the amount I may have owed has already messed with things, as being under no specialized payment plan, a XXXX XXXX loan would not be able to beat interest by having {$220.00} payments, never mind be paid off in 20 years as it claims in supporting documents. Also, I'm incapable of actually giving them money right now, as it say I have {$0.00} due. Please advise and help any way you can. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX used my information and publicized it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX MOHELA XXXX XXXX XXXX XXXX, MO XXXX NOTICE : PRINCIPAL AND AGENT ARE MUTUALLY INFORMED To Whom It May Concern, Upon thorough examination of my consumer report, it has come to my attention that you are engaging in the unlawful practice of reporting my student loans to unrelated third parties. Additionally, I have not been provided with the necessary disclosures as mandated by 15 U.S. Code 6802, which pertains to obligations regarding the disclosure of personal information. In case you are not familiar with the legal framework, let me clarify that as per 15 USC 6802, you are legally obliged to furnish me with three specific disclosures. After reviewing all documentation provided by your institution, I have confirmed that none of these documents include the required disclosures. a ) NOTICE REQUIREMENTS Subject to the stipulations of this subchapter, a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties, unless said institution has issued a notice to the consumer in compliance with section 6803 of this title. Given that I have not received the aforementioned disclosures, I formally request the removal of these accounts from all consumer reporting agencies, including but not limited to XXXX, XXXX, and XXXX, in accordance with 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) GENERAL A financial institution is prohibited from revealing nonpublic personal information to nonaffiliated third parties unless the following conditions are met : ( A ) The financial institution clearly and conspicuously informs the consumer, in writing, electronic form, or any other mode allowed by the regulations stipulated under section 6804 of this title, that such information may be disclosed to said third party. ( B ) The consumer is provided the opportunity, prior to the initial disclosure of such information, to instruct that the information not be disclosed to the third party. ( C ) The consumer is presented an explanation detailing how they can exercise the option of nondisclosure. MOHELA did not fulfill their legal obligation to provide me with this information. MOHELA knowingly and intentionally withheld crucial information regarding the disclosure of my personal information to both affiliated and non-affiliated third parties. MOHELA knowingly and intentionally neglected to inform me about the procedure to exercise my right of nondisclosure. As a consumer, I assert my right to privacy under 15 USC 1681, 15 USC 1692, and 15 USC 6801. My personal information is private, and my student loans fall under this category. Your actions of reporting my private information without my consent amount to a severe breach of identity protection. I hereby formally request the provision of all required disclosures pursuant to 15 USC 6802 ( b ), which should have been transparently communicated to me before any reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, XXXX, XXXX ). I am actively opting out of having my information reported, as per 15 USC 6802 ( b ). You are granted a period of 10 calendar days from the date of this notice to expunge the following account/s from your records : XXXX I am following the laws made by Congress and not the rules you made up. If you send back a promissory note then you are still in violation of these laws included in this letter, I feel like my rights as a consumer is violated by you reporting my nonpersonal information without giving me the 3 disclosures which prohibit you to do so. I am demanding you remove this from all consumer reports. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2023 I applied to the REPAYE payment plan but I still have not heard from MOHELA regarding the status of my application. I have contacted MOHELA requesting information regarding the status of my application but they never responded to my inquiries. Please request MOHELA respond to my inquiries regarding the repayment plan application.
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I called and emailed Mohela two times and sent them proof. my credit reports are showing my student loan balance twice. Mohela assured me they would call me back after I sent proof, I have not heard from them and it has not been fixed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: RESPONSE DISPUTE! PERSONAL NOTE! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$21000.00} Balance updated XX/XX/XXXX Original balance {$21000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. Status updated XX/XX/XXXX Original balance {$21000.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have a federal student loan that I have been working on a TEPSLF since XXXX. I have been trying to work with the loan holder which is MOHELA. They have been working with me to try to get my loans discharged through the TEPSLF. They gave me the advice of a reconsolidation. I follow that advice now my TEPSLF is no longer there. I have tried to contact them as well as federal aid.gov and I am not getting any answers. I worked for the state of XXXX for XXXX years and qualify for the TEPSLF. I am very frustrated that they are not acknowledging my application or my qualification and I am getting no answers although they have told me I qualify in the past
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received a letter in the mail from the new federal Student Loan collector MOHELA stating faulty information about my new monthly payments under the new SAVE plan. This payment plan had me listed to pay 2x than I was paying XXXX I am fortunate to be too poor to afford this new amount/payment plan, so I called and complained about the new payment plan. MOHELA had no record of them sending the letter, and the stated the payments were not correct. MOHELA stated that they had no records in their system indicating I would ever have to pay the amount that I was notified by mail to pay. While the company was able to rectify this issue for myself, giving me a correct payment plan that is {$130.00} cheaper than what was stated on the letter, I am deeply concerned how this system is being handled by MOHELA. One major companys, mistake, may jeopardize the livelihood of other households and incomes. Can someone please please please look into this? My concerns are not for myself, but I am the oldest of XXXX XXXX XXXX XXXX, and work XXXX hours of a nonprofit. I do not want to see any of my siblings or in-need clients struggle with similar stressful faulty information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I claimed bankruptcy ( XXXX XXXX ) and included my student loans in the Bankruptcy, however, the student loans could not be included in the Bankruptcy at that time. Now, I'm hearing they could have been included. What can I do? I included them in my Bankruptcy that was XXXX in XXXX The amount at that time was XXXX and the lender listed was Sallie Mae. I will forward the Bankruptcy paperwork upon request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28110
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A