Date Received: 2022-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: STATEMENT OF FACTS XXXX. On XX/XX/2022 MOHELA/Lien Debtor received via certified mail number XXXX XXXX XXXX XXXX XXXX a request for proof of indebtedness letter. MOHELA/Lien Debtor received via certified mail number XXXX XXXX XXXX XXXX XXXX a second request for proof of indebtedness letter on XX/XX/2022. 2. MOHELA/ Lien Debtor as of the XXXX of XX/XX/2022 has not responded to the letters sent nor effected the remedy. XXXX. MOHELA /Lien Debtor is at fault.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: During the COVID-19 Pandemic I paid off my entire student loan balance of {$12000.00} that was serviced with XXXX XXXX XXXX On XX/XX/2022 I called XXXX and requested a refund of my payments. I was not educated about the impact of this or informed that by doing this it would re-open my student loans. I was told that the payments would be issued direct deposit to the bank account I made my loan payments to. I informed the agent that I no longer had that bank account and she informed me that I could not change accounts and I would receive a check issued by the Dept of Treasury within 12 weeks. I then received an email on XX/XX/XXXX that my loan was now with Mohela. I called Mohela to check the status of my refund payment and was told to call XXXX XXXX. I called XXXX XXXX and was told the deposit occured on XX/XX/XXXX. I asked if she knew if a check was being processed through Dept of Treasury since I do not have that account and so I did not get the funds. She was not sure and could not answer my question. Based on the 12 week calculation the date should have received my check was XX/XX/2022 but as of XX/XX/2022 I still have not received my check. I then called XXXX XXXX again around XX/XX/XXXX and was not able to speak to a representative because the automated system would not accept my PII since my loan is not serviced with XXXX XXXX. On XX/XX/2022 I called Mohela and was told they did not have access to my refund information and opened a request with XXXX XXXX which will take 30 days.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Stop communicating information to all consumer reporting agencies. Acct # XXXX According to 15 USC 1692a ( 2 ), the term XXXX means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic or other medium. Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by Mohela will amount to communication as per the Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights per 15 USC 1692c ( c ) I am hereby providing you a formal notice to cease any further communication regarding this account immediately. This includes but not limited to telephone calls, emails, social media and any Consumer Reporting Agency. Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter is in violation of the FDCPA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11552
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 49014
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I called Mohela, my student loan company, on XX/XX/22 to request a refund for payments made during the pandemic. They said that my application is submitted and it should take XXXX days for me to receive my refund ( a little over {$10000.00} USD ). I told them not to send it to my XXXX account because that account is closed and I would like that noted. Mohela agreed and said that I would receive a check. I called again on XX/XX/22 to ensure my application was submitted properly and followed up via email. I was told that my application was submitted and I would receive my refund in XXXX days. On XX/XX/22, I still heard nothing and had not received a check. However, when I logged into my Mohela account, I noticed they put the over {$10000.00} USD back onto my account balance for payment due, as well as interest that was not there prior. During my call on XX/XX/22, the man on the phone said I would receive my check in XXXX days, which is different from what I was originally told. He also said the interest was accrued prior to the pandemic and was added back on. This did not make sense to me because I paid everything on time, and I also have XXXX XXXX XXXX Summary from Mohela documenting all payments. I told him this, but he said I still owed it. I offered to send Mohela documentation, and he did not follow up. I received notification that all credit bureaus ( XXXX, XXXX, and XXXX ) were notified of my new debt of over {$10000.00} USD. My credit score dropped immediately. Please keep in mind that I now have additional interest that I do not believe I owe on my account, as well as over {$10000.00} USD on my student loan account, despite the fact that I do not have that money back to me. As of XX/XX/22, 90 business days have now passed with Mohela. I still have not received a check or any notification. I still have a lowered credit score, over {$10000.00} USD on my student loan account, and interest that I do not believe I owe. I called Mohela again on XX/XX/22. The first woman who picked up transferred me. The second woman said something completely different than the man on XX/XX/22. She said that the interest was a charge that Mohela was placing on my account. She said that because I requested a refund of my money, Mohela is charging me interest for requesting this money. Please note that I have this recorded and saved. I then asked the woman when I would be receiving my money, and she said I would have to wait anotheXXXX XXXX business days. She changed her tone later, and said that I may have to wait another XXXX business days. I asked her where my check is because I keep being told that my check is in process, but I don't know what that means, aside from the fact that it was submitted. She says she has no idea where my check is and that Mohela is unable to access that information. I asked to speak to a manager. After my third phone call transfer, I spoke with a manager. I told the manager that I have now heard two different stories about what the interest is about and I would like clarification on this since I still don't believe I owe this money, I still haven't received my check, and I would like the over {$10000.00} USD removed from my Mohela account. When I asked for clarification on the interest, she said she didn't know what it was. When I asked about where my check was, she said she didn't know. When I asked again, she said it looks like they tried to send my check to my closed XXXX account. I told her that I have now checked two times ( on XX/XX/22 and XX/XX/22 ) to ensure that didn't happen, and she then said that she's not sure if that's what actually happened. She said she would need to check with the payments department. She also said she can't remove the {$10000.00} USD from my account balance. I asked for clarification on why that was appearing on my account balance, despite the fact that I didn't receive any money back. She said that she will talk to the payments department and there is nothing she can do right now. It is now way past the original XXXX days, and past the second due date of XXXX business days. Also, I have worse credit because of the money owed back, which I still haven't received. I also still dont know what this extra interest/charge is, as Ive heard three different stories from three different people. Additionally, when I log in to Mohela and view Payment History, a complete history is not listed anymore. I have attached the XXXX XXXX Summary to this request to showcase this. I believe more money has been added to my account without my consent or knowledge. I also know that I have not received a cent from Mohela yet. I would like to know why I dont see a complete payment history when I log into Mohela.I believe that Mohela added more money owed to my account than necessary. I made payments pre-pandemic that did not qualify for a refund, so I did not ask for a refund. I believe these payments are not being refunded, but these pre-pandemic payments are still being added back to my account. Please note that I am willing to provide any more documentation of this matter, such as recorded phone calls or emails, as necessary.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07016
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been trying to apply for XXXX XXXX XXXX XXXX ( XXXX ) since XX/XX/XXXX. I originally submitted the XXXX application to XXXX in XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX qualified payments dating back to XX/XX/XXXX, but failed to qualify any of my employment between XX/XX/XXXX to XX/XX/XXXX, and from XX/XX/XXXX to present. My Federal student loan transferred from XXXX to MOHELA on or about XX/XX/XXXX, and on XX/XX/XXXX I uploaded the XXXX form, dated XX/XX/XXXX, with the explanation that the form was not completely processed. When MOHELA processed the form, they marked it as a " duplicate form '' with no action taken. I called MOHELA on XX/XX/XXXX when I received a status notification, explained again that the company did not action the form properly, then was asked to resubmit the form for another review. MOHELA validated my XXXX employment from XX/XX/XXXX through XX/XX/XXXX, but failed to validate my XXXX XXXX XXXX from XX/XX/XXXX to XXXX. I contacted MOHELA again on XX/XX/XXXX to complain and request they validate my XXXX XXXX service. I was asked again to resubmit the form for review. MOHELA later marked the form as " processed '' with no action. I called MOHELA again on XX/XX/XXXX to complain for a third time. A supervisor in their XXXX Department reviewed the documents I uploaded on the previous occasions, confirmed I completed the forms properly, and was confused on why the XXXX XXXX service was not validated. I was asked to upload the form again, and it is still pending action ( status : processing ). To date, I have XXXX eligible payment, with only XXXX identified as qualifying. When the COVID forbearance expires at the end of XX/XX/XXXX, I will be required to resume payments each month until MOHELA validates my qualifying employment and completes the XXXX application process I started more than a year ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2022 I called Mohela and complained they were reporting information on my report several times. I also requested to consolidate the loans and was approved for consolidation. When I opened the loans I was not told the loans would have several accounts. I was never told the the several accounts would report several times and on different dates. This is false inaccurate reporting and ruining my credit because each month my credit decreases by XXXX points and has done so for 15 years. This is ruining my credit, stopping me from getting a house, and good employment. I called again in XX/XX/2022 and complained about the same issue and 2 days later another XXXX balance was added to my credit report even though I requested my loans be consolidated into one payment on one account. This eas never was never done. I also requested to defer my payments until XX/XX/2022. I was told this was approved as well but the loans still keep showing past due.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63116
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2022 I checked my student loan account with MOHELA and they have me down with XXXX repayment plan. I requested the XXXX repayment plan. They also show only one qualifying PSLF payment. I have 112 Qualifying payments. I have copies of everything I have sent MOHELA, so I am able to show they are incorrect. I can not reach them by phone or any other method. They have not looked at what I have sent them or they are hoping that I am stupid enough to just trust them and make the high payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In Accordance with the Fair Credit Reporting Act. The XXXX Account of XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PR
Zip: 007XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A