Date Received: 2022-12-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have contacted my loan provider over 100 times via email, phone and even a written letter. Each time they switch my loan Providers. On my credit report it shows that I was over 90 days late on payments when that is not true. My loaned have been in forbearance and loan forgiveness program since I XXXX college. Yet they made this error and refuse to have this late payments XXXX off my account. This has negatively affected my credit score and in return affecting my ability to acquire a credit card, a car, an apartment and most recently purchasing a home.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX, XXXX XXXX XXXX, the undersigned affiant, a living man declare that I am of majority and competent to state the matters set forth herein with first-hand knowledge of the facts and that they are true, correct, not misleading, and certain, admissible as evidence XXXX XXXX XXXX. XXXX, XXXX XXXX " The ownership of all property is in the State. Individual, so-called ownership is only by the virtue of the government, i.e. law, amounting to mere user, and use must be in accordance with law, and sub- ordinate to the necessities of the state. XXXX XXXX, XX/XX/XXXX on XXXX, XXXX " Under the new law, the money is issued to the banks in return for government obligations, bills-of- exchange, drafts, notes, trade acceptances, and bankers ' acceptances. The money will be worth XXXX cents on the dollar, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of the people of the nation. Title XXXX XXXX. - Obligation or other security of the United States defined The term " obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX bank XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. XXXX 's are obligations of UNITED STATES : HR XXXX : " The term " obligation '' XXXX Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. Title XXXX XXXX makes a statutory pledge of the United States government to payment of obligations and interest on the public debt XXXX XXXX {$3100.00}. Payment of obligations and interest on the public debt ( A ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( B ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the XXXX considers expedient, the XXXX XXXX pay in advance interest on the public debt by a period of not more than XXXX year, with or without a rebate of interest on the coupons. Therefore, the government pledges to pay government obligations which Federal Reserve XXXX are, and pay them with FRNs, which is legal tender. Taxes and all bills associated with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt, dollar for dollar. The XXXX does not give we, the people " rights. '' It forbids the government to ignore the " XXXX given Rights of the people, '' as seen in the XXXX Amendment : " The enumeration in the XXXX, of certain rights, shall not be construed to deny or disparage others retained by the people ''. In addition, the XXXX Amendment : " The powers not delegated to the United States by the Constitution, nor prohibited by it to the XXXX, are reserved to the XXXX respectively, or to the people '' It is a fact : Title XXXX XXXX further delineates in its definitions a portion of the total public debt, which is held by the public as the " Net public debt, '' XXXX. XXXX XXXX XXXX Report ( a ) XXXX XXXX. On or before XX/XX/XXXX of each calendar year after XXXX, the Secretary of the Treasury shall submit a report to the XXXX XXXX XXXX and XXXX XXXX XXXX House XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX on- ( XXXX ) the Treasury XXXX public debt activities, and ( XXXX ) the operations of the Federal XXXX Bank XXXX For whatever reason we can associate with their actions and reasons they did so we XXXX benefit. We are beneficiaries, the government are trustees ; Trustees pay debts, beneficiaries do not. Thus, government obligations are not taxable. In fact, by the XXXX Amendment, XXXX, we need people to create credit instruments. We must also Accept For XXXX, the debt instruments/legal tender of the United States XXXX As long as the debt exists, the XXXX exists. The Republican Form of Government, The United States of America, can only come back when the debt is gone. Since Federal Reserve XXXX ( XXXX 's ) as legal tender are debt notes, an insufficient number exists, for their repayment in kind, will not cover the interest " owed. '' Using FRNs to " pay '' debts only increases the government obligations on debt by their creation. As it is a fact that all property in the United States as a result of the XX/XX/XXXX act is under the ownership of the United States, and/or its designee, that the currency is underwritten by XXXX Treasury XXXX XXXX bills and/or obligations, it is impossible for me to be held liable for government obligations. The unconstitutionality of said act is expressed in XXXX ' own words : " a. Since XX/XX/XXXX, the United States has been in a state of declared national emergency. These proclamations give force to XXXX provisions of federal law. These hundreds of statutes delegate to the XXXX extraordinary power exercised by XXXX, which affect the lives of American citizens in a host of all-encompassing manners. This vast range of powers, taken together, confer enough authority to rule this country without reference to normal constitutional processes. '' XXXX report XXXX XX/XX/XXXX. XXXX. Therefore, and per the above, let the XXXX XXXX XXXX XXXX XXXX settle the claims and close this account as paid in full for and which I do hereby give my permission. I do declare my willingness to offset public debt by accepting and returning for value, my private debts that created new currency into circulation and indebted the government thereby. Sent a coupon to said company for full amount of the debt. XXXX FS kept the payment and brought my credit score down.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Due to poor customer service at Mohela, I'm unable to have my application for XXXX processed. In XXXX or XXXX XXXX XXXX I submitted an application for XXXX to XXXX XXXX. I received a letter in XXXXXXXX XXXX XXXX informing me that my application was received and would be sent to Mohela for further processing. I then spent the last several months trying to get in touch with someone at Mohela. However you can't send them a message without an account, so I created an account and sent a message. Unfortunately, I never received a response to my issue, only a generic response about the XXXX program. I also tried for months to contact Mohela by phone, but was never able to wait the time required to speak to their customer service representatives. I finally was able to speak with someone today. They informed me that my application was approved, and that they were waiting on my loans to transfer. I was able to confirm with my loan servicer, XXXX, that a request to have my loans transferred to Mohela was never received. I asked XXXX if I could have the funds transferred, and I was informed only Mohela could do so. I told Mohela today that XXXX never received the request for transfer of my funds. I asked Mohela to re-submit the request. After an hour plus wait, they informed me that they could not. I asked to speak to a supervisor and after an hour and a half of waiting, have still not been able to speak to anyone. I do not understand why they can not re-submit a request for the transfer, am at a loss as to how to resolve the issue, and am deeply frustrated with their poor customer service.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I graduated from XXXX XXXX in XX/XX/2021, and like many of my classmates began working in the Fall, in XX/XX/2021. I work for a XXXX XXXX. I applied for public service loan forgiveness certification. I have XXXX XXXX and XXXX XXXX loans. I was told that my public service for XX/XX/2021 and XX/XX/2021 would not count towards XXXX for 3 of my 6 loans. Mohela told me this was because those loans were in in-school deferment until XX/XX/2021. The loans were also in temporary forbearance under the Department of Education policy due to XXXX, so no one thought it would matter whether the loans were technically in forbearance or deferment. It also seems odd that only some loans were in in-school deferment until XXXX and not others. I think we should get credit for any public service regardless of whether I'm in temporary forbearance or in-school deferment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously denied and/or processed my XXXX application incorrectly. I received a letter stating that questions XXXX were not completed, however they were.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously counted my qualifying payments for XXXX. I have been awarded a range of 94-95 qualifying payments on my consolidated loan. XX/XX/ is being counted for XXXX on one loan and not the other. The reason given is that it was not on an eligible repayment plan, however it is not possible one portion of the loan was on a plan ineligible for XXXX and not the other, as a consolidated loan is serviced as one loan though it is split into two portions. Additionally, all direct loans are required to be repaid under the same repayment plan if they are eligible. The months prior and following were eligible for XXXX. The payment count should be 95 on the full balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Multiple times waiting on hold and calling about my XXXX. Sent the document 4 times, with very little direction about what was wrong. Received on the last day XX/XX/XXXX that I needed more documentation to support my employee verification. I have worked at the same XXXX since XXXX, HR has signed/resigned and I have double checked the date on my XXXX form and everything was accurate. Receiving this on the last day before close of the XXXX, I was unable to call/figure out additional discrepancies MOHeLA found that they felt they couldnt certify my employment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Mohela is the new federal loan provider and whenever I tried to call there is always a long time to wait. When i was with XXXX one had to wait, but not for such a long period of time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had long term loan w XXXX paying for over 15 years on time. With new XXXX terms I was strongly encouraged to file for XXXX relief. I was told I must consolidate my FFLEP loans and transfer to MOHELA. XXXX Mohela account number is XXXX. ** I called XXXX to discuss and MOHELA before applying in late XXXX. In XXXX loan data it showed payments back to XXXX. My payments thru Navient were under {$300.00} until I was told to consolidate by XXXX along with PSLF app. I contacted Mohela and was advised to send XXXX app at same time as consolidation app which I did in XXXX. But once submitted ALL records of my past payments are missing in XXXX and not credited by Mohela towards forgiveness! My new interest is good but starting in XXXX my payments will be {$700.00}! My work history appears to have qualified ( as it should ) but NO CREDIT towards forgiveness for all those years. They have this posted on website as my PSLF status. Received Date Status Description XX/XX/XXXX Processed A notice has been sent. Please allow 7-10 business days for the notice to be received. I called Mohela and they reported previous payments will be posted once confirmed. Confirmed by whom? No record yet and my credit report reflects total debt the same w payments due next month. This makes me worse off than I was. Please investigate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously counted my qualifying payments. According to their website, every month has counted as qualifying for XXXX between XX/XX/XXXX and XX/XX/XXXX which is XXXX, however they only list XXXX in my qualifying payments. Additionally, My consolidation loan was disbursed in XXXX, however no payments were counted prior to XXXX According to my student aid data, the loans were in grace from XXXX through XXXX, however grace is only six months and is not available for consolidation loans, therefore they should be considered in repayment and counting from XXXX since XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A