Date Received: 2022-11-07
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: Since XX/XX/2022, ( 4 ) official, registered mail notice letters have been sent out to Mohela - Federal Loan Service Provider, XXXX XXXXXXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. regarding clear and factual violations of FRCA ( Fair Credit Reporting Act, 15 USC 1681a ), specifically, section 603 ( 2 ) ( A ) ( i ) ; EXCLUSIONS. All four entities mentioned have either refused to respond in writing and/or have blatantly refused to comply with the above federal statute and provision, by continuing to submit data to all three credit bureaus- XXXX, XXXX & XXXX XXXX which includes " ... transactions or experiences between the consumer/myself ) and the person making the report ( credit & loan providers/servicer ) . '' To be more specific, " ... transactions or experiences, '' include data/information, which openly discloses to the public, without implicit authorized permission granted by the consumer, 1 ) exact dollar amounts and 2 ) detailed payment history, by which my US Senator XXXX XXXX Office confirmed to me in a phone call, to wit, " ... a clear, concise and non-ambiguous categorized, textual interpretation of the FRCA, under Exclusions, as read under section 603 of the FRCA. Subsequent conference calls with each respective legal compliance of all three national consumer credit reporting bureaus confirmed that I should submit a request to all entities whom are reporting and sending this data to the credit bureaus, " THEY SHOULD CEASE AND DESIST FROM SUBMITTING SAID DATA- i.e. dollar amounts and payment history ; as part of their reporting requirements of existing, active and non-active accounts. The preceding phone call was, in fact, an admission by all three credit bureau legal compliance departments, as to their complicit, knowing and willingly cooperation, as co-conspirators towards on-going violations of section 603 of the FRCA, imposed upon every single consumer within the United States of America . All three credit bureaus confirmed to me on the same call that if the data is not submitted and placed onto my consumer report, the algorithms used to generate an accurate and fair FICO score would reveal a FICO score between 115-128+ points higher than my current FICO score. Willful, intentional and knowingly reporting dollar amounts and payment history negatively affects FICO scoring results to reveal actual creditworthiness, which is racially prejudicial, biased and discriminatory, along with a potential violation of Data Privacy Laws and Consumer Privacy Laws, in conjunction with willful and intentional FRCA violations. Continued reporting and submission of this data by my creditors, to-date and retroactively have and continue to expose me to financial losses every single week. XXXX legal department also sent an email to me, stating, they would continue to send this data to the credit report bureaus, even as their own internal policy, under Credit Reporting, clearly stipulates, that reporting to the credit bureaus is discretionary and not mandatory requirement. XXXX effectively admitted in writing in an internal email to me through the secure e-messaging platform, they were choosing to continuing discriminating against me, even though their internal bank policy allows for discretionary, at-will treatment of issues and concerns brought to their attention. XXXXXXXX XXXX XXXX and Mohela have not responded, to-date.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had a transfer of loan servicer to Mohela when my previous XXXX XXXX was transferred to other companies. My employer pays my loan payment for me. When they switched they requested a XXXX from Mohela. I called in XXXX, the service representative did not know what I was talking about and instructed me to wait for something in the mail. I called again in XXXX. Same response. I then argued with the accounting department at my employer to verify that what they were saying was correct. I sent an email message on XX/XX/2022 regarding the same. I still have not received a response. I then called again on XX/XX/2022 and received different information that I was to upload a form. I uploaded the formed on that same day and the representative I spoke to verified that she could see it and that it would be handled within XXXX business days. I have just received a message that there is a delay in responding to my form. I have taken a half-day off of work to wait on hold now twice and I have now missed out on {$6600.00} of loan repayment from my employer in the last 4 months due to delays in this form by either misinformation or delays coming directly from Mohela employees . I would like to file an official complaint with Mohela, and the CFPB. I would like consideration for transfer to another loan servicer if at all possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75460
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am simply trying to inquire about receiving a refund on loan payments I made during the COVID-19 pandemic. I was informed that I can receive a refund after XX/XX/2020 for any payments made. I have not been able to get ahold of anyone regarding the matter. My loans transferred from XXXX XXXX to Mohela. XXXX XXXX was great and easy to work with but instructed me that everything now had to be completed by Mohela. Mohela just has pre-recorded prompts for applications and no way to speak with a custom service representative. I see no option to inquire about my pandemic loan reimbursement. It is highly infuriating that my loan company is withholding this important information. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33707
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have paid off all my federal student loans in full. According to the Administrative Forbearance ( Payment Pause ), I am able to get some of my payments refunded that were made on/after XX/XX/XXXX. I selected 3 payments from my payment history made after XX/XX/XXXX that I wanted a refund for. The 3 payments, amounts, and their effective dates are listed below. XXXX. XX/XX/XXXX, {$3200.00} XXXX. XX/XX/XXXX, {$3200.00} XXXX. XX/XX/XXXX, {$3700.00} XXXX : {$10000.00} I called Mohela on XX/XX/XXXX and requested a refund for those XXXX payments that were made after XX/XX/XXXX. I was on hold for about XXXX hours and the lady I spoke to assured me that the refunds were submitted. In addition, she said my refund will be processed in 60 days and the balance would update on my Mohela homepage. After about 30 days, I called Mohela back and spoke to another customer service agent to make sure my refund payments were processing. She told me that they were and to wait out the full 60 days. It has now been 60 days and I have not received any refund or had any loans reinstated on Mohela. I have tried to call Mohela and their customer service wait times are insanely long where no one picks up. I have also tried to email them and no response from that as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I never opened an account with this company. I don't know how they got my information. This company is not licensed to collect debt in my state.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My student loan were reported to my credit without any consent or knowledge. Which reporter in my credit decreased. 2019 8 student loans on my credit report. All 3 credit XXXX, XXXX Ive since then been calling and get no help. As to why was my student loans reported to my credit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Loan Provider : Mohela Date : XX/XX/2022 ( refund request made via phone call ) Amount : {$12000.00} ( refund ) I called Mohela Loan Servicer to request a refund for payments made during the pandemic. Total refund as determined by the representative is {$12000.00}. Since this call there have been no updates, no confirmations numbers given, no email updates. As a loan borrower I'm left in the dark and relying on all steps to be taken behind the scenes. This is how refunds and other borrowers ( such as myself ) slip through the cracks. While I'm sure the refund will show up eventually, there's no guarantee besides a potential timeline that keeps getting extended.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22980
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Mohela will not count my last payment on my federal loan forgiveness for Public service and release my debt. It affects my credit score, and they have made it impossible to complain. I have proven that I qualify.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In order to qualify for the expanded public service loan forgiveness law, I consolidated to a direct loan servicer. I consolidated to a direct loan with Mohela. Consolidation was complete in XX/XX/2022. I also sent in a PSLF application in XX/XX/2022 to be considered for forgiveness after consolidation was complete. The application has been processed, yet according to MOHELA I have XXXX qualifying payments. I called my previous loan servicer, XXXX, and they told me that my entire payment history was sent over to Mohela at the time of consolidation with Mohela. However, Mohela account shows that I have no qualifying payments. I have been paying my student loan for over 20 years, on time, each and every month. In fact I have paid at least a month in advance. There is no doubt I would meet the 120 qualifying payments to fulfill the PSLF criteria but it seems like Mohela will not credit me with my payment history. This was the whole point to consolidate with Mohela, to be eligible for forgiveness. I have called and called Mohela just to be sent on an endless loop of automated information at the end of which the call just hangs up. I was able to get through to wait for a representative only to hold for over two hours to speak with someone, who while was nice could not help me. She transferred me to a supervisor. I waited an additional 4 and a half hours but no supervisor ever materialized. I spent over seven hours in the phone with absolutely no help. I have also sent messages through my online account. No response. It seems that Mohela has a vested interest in not providing forgiveness, as evidenced by their recent action is Missouri to stop the other forgiveness law. But Mohela should be accountable to those loans they service and if I meet the eligibility requirements I should be given loan forgiveness. Again the only reason I consolidated with Mohela was for the purpose of PSLF law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 18901
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My Loans are currently with Mohela. I contacted Mohela to discuss the best options for my loans. I have loans from previous education that are already on the XXXX program. I have recently finished my XXXX and had questions about those loans. I contacted them on XX/XX/XXXX and asked about the XXXX waiver and was advised that that would not apply to my loans. I was then told that I could consolidate my new loans with my old loan but that I had until XX/XX/XXXX. I was never advised that doing so would merge the loans and apply the previous payments to all of the loans. I then asked about the XXXX XXXX XXXX forgiveness and was advised that they didn't handle that. I contacted the XXXX loan forgiveness and they explained to me that they work with my loan provider to make payments towards the loans. So on XX/XX/XXXX I called back and was advised that my wait time would be XXXX mins and I was unable to wait on the call. I called back again on XX/XX/XXXX and was on hold for 22 minutes and was unable to reach anyone before I had to hang up. I called back on XX/XX/XXXX and spoke to someone who advised me that had i consolidated that waiver would have benefitted my loans but was now too late to apply. I waited 2 hours to speak with a supervisor and then had to hang up. I called back and again waited 2 more hours before i spoke with a supervisor. The supervisor agreed that in the call on XX/XX/XXXX consolidation was mentioned but that at no point was I advised that the waiver would be of benefit my loans despite me specifically stating that I wanted advise. The Mohela supervisor has denied responsibility for me not appropriately being advised in relation to how the XXXX waiver would have benefited me. The supervisor stated that the phone call was recorded in XX/XX/XXXX but had refused to allow me to listen or provide a transcript of that call. She has stated that she is refusing to submit a request for late consideration or offering a way to reconcile the situation. Can you please review Mohela 's mishandling of the situation which resulted in me not benefiting from the XXXX waiver despite my inquiries.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34275
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A