MOHELA


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"Products" offered by MOHELA with at least one, but usually more complaints:

Checking or savings account - Checking account
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical debt
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Private student loan debt
Debt or credit management - Student loan debt relief
Mortgage - Other type of mortgage
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 5750806

Date Received: 2022-07-09

Issue: Dealing with your lender or servicer

Subissue: Need information about your loan balance or loan terms

Consumer Complaint: I sent letters to the following agencies requesting information on XX/XX/2022 : XXXX. MOHELA DEPT of ED Student Loans 2. XXXX 3. XXXX 4. XXXX For all the agencies I requested the following : 1. provide proof by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury 2., produces all relative commercial instruments and/or notices, declarations, publications, with clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights, duties, obligations liabilities, costs, fees in advance or subsequent to the alleged incurrences of the alleged debt, and where there has been full disclosure of all relevant terms and conditions within twenty-one ( 21 ) calendar days of the receipt of the Notice It has been close to 2 months and MOHELA and XXXX has not responded yet. XXXX and XXXX responded but did not produce the information requested. I will upload all the letters to all the agencies for more details

Company Response: Company believes it acted appropriately as authorized by contract or law

State: TX

Zip: 773XX

Submitted Via: Web

Date Sent: 2022-07-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5742684

Date Received: 2022-07-06

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: CREDITOR. MOHELA./ DEPT OF ED Please see comments. This account has never been in dispute. I never had problems paying and paid it off early.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: TX

Zip: 77396

Submitted Via: Web

Date Sent: 2022-07-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5730102

Date Received: 2022-07-03

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: MOHELA has clearly violated several federal laws that negatively affected my character, my mood of living, and my general reputation. I have been damaged as a result of your willful noncompliance and negligence of federal law. I wrote MOHELA in regard to the account that was an authorization and approval of a specific extension of credit directly to my XXXX XXXX. According to the Fair Credit Reporting Act 15 USC 1681a 2 ( B ) this account is not included in a consumer report. MOHELA has reported this account to my consumer report which is a clear violation of the law. I did not give MOHELA permission to report, NO PERMISSIBLE PURPOSE, MOHELA did not disclose to me that I can opt out of having my information reported, and I have written them to EXERCISE THAT RIGHT, but with no response. The Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act states that 00 15 usc 6802 obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. MOHELA did not disclose this information to me that is required by federal law. MOHELA knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. MOHELA knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. I have shown and given MOHELA notice that they are in violation of FTC law by failure to disclose my opt out nondisclosures and FCRA law by furnishing inaccurate information on my consumer report, as well as for no permissible purpose. MOHELA needs to delete the student loan account on my consumer report immediately. I have filed complaints with the Attorney General of North Carolina, the Attorney General of Missouri, the XXXX XXXX XXXX, the CFPB, and OCC. In conclusion I am writing to your office to please help me to resolve this clear violation of my consumer rights under the law 15 USC 1681 s2. The continued reporting of this inaccurate information is causing me and my family severe harm due to MOHELAs negative reporting on my consumer report. Please help me DELETE the erroneous, inaccurate illegal account on my Consumer report immediately.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: NC

Zip: 283XX

Submitted Via: Web

Date Sent: 2022-07-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5720664

Date Received: 2022-06-29

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: Not mines I never signed any paperwork to go back to school I do construction Im in the union I have a career

Company Response: Company believes it acted appropriately as authorized by contract or law

State: NY

Zip: 11213

Submitted Via: Web

Date Sent: 2022-06-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5717484

Date Received: 2022-06-28

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance with the fair credit reporting act MOHELA/ DEPT OF ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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, '' a consumer reporting agency can not furnish an account without my written instruction.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: IA

Zip: 501XX

Submitted Via: Web

Date Sent: 2022-07-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5671993

Date Received: 2022-06-15

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: I HAVE REQUESTED A COPY OF THE ORIGINAL PROMISSORY NOTES FOR THIS ACCOUNT AS I KNOW THAT THE BALANCE IS GROSSLY INACCURATE. MOEHLA NOR THE XXXX HAS PROVIDED THE REQUESTED INFORMATION

Company Response: Company believes it acted appropriately as authorized by contract or law

State: TX

Zip: 75115

Submitted Via: Web

Date Sent: 2022-06-29

Company Response to Consumer: Closed with explanation

Timely Response: No

Consumer Disputed: N/A


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Complaint ID: 5622847

Date Received: 2022-06-01

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: In XXXX, my husband and I called a servicer provided on our exit counseling information to discuss payment options. We were advised the Spousal Consolidation Loan would be our best option, as it would allow us to have one interest rate and one payment. We were not provided the option to consolidate into a Direct Loan and were given an FFEL Spousal Loan through XXXX. In XXXX, Congress banned these types of loans. In XXXX, PSLF came into existence. In XXXX, I joined a public service organization and tried to consolidate my loans into Direct Loans ; however, because it is a spousal loan, the Dept. of Education would not accept the loan type. During this period, my loans were transferred to MOHELA. I was told my best payment option would be IBR, which I signed up for, because it would give me access to student loan programs. However, this move means I now owe just {$3000.00} less on my loans than when we started. Because it is an FFEL Spousal Consolidation Loan, we do not qualify for any student loan programs provided to Direct Loan borrowers. I qualify for PSLF, but I can not access that program. Additionally, I did not get any reprieve during COVID. I have now moved to a standard repayment option because I could not afford my payments, can not qualify for any program relief, and will pay these loans beyond retirement. I feel the push into spousal consolidation loans was a predatory practice on young, married couples.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: MO

Zip: 656XX

Submitted Via: Web

Date Sent: 2022-06-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5620097

Date Received: 2022-05-31

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: I received a letter from Mohela, telling me that my federal student loan account has been moved from federal student aid to Mohela. It had an account number of XXXX. On XX/XX/XXXX, I called XXXX and spoke to XXXX. She told me that my name, XXXX, and address were attached to this account. She also said phone numbers XXXX and another one ( different area code ) which I did not write down ; and XXXX were attached to the file. She said that since my SSN was used, it was fraud and to call the fraud hotline at XXXX. I called that number and spoke to XXXX, who looked up all the info. She was able to tell me that on XX/XX/XXXX, a loan for {$3100.00} was disbursed to XXXX University, School ID XXXX, with contact info XXXX XXXX at XXXX. I have never heard of this school ; no one in my family has gone to college in over a decade ; and we have never applied for a student loan. I would like my social security number, phone number, address, and name removed from this student loan ; and I would be happy to prosecute the person who has stolen this information and used it for their own gain.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: TX

Zip: 787XX

Submitted Via: Web

Date Sent: 2022-05-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5620089

Date Received: 2022-05-30

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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: TX

Zip: 77007

Submitted Via: Web

Date Sent: 2022-05-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5615601

Date Received: 2022-05-31

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: Hello CFPB, This is regarding consolidation of student loans. I graduated from XXXX XXXXl in XXXX. My loans were in forebearance until XXXX when I graduated XXXX I started repaying my loans in XXXX when I started working. I have worked for a non profit XXXX group since XXXX and made over XXXX on time payments. I didn't qualify for the public student loan forgiveness ( PSLF ) during that time because I wasn't in an income based repayment plan. When they expanded the program recently ( XXXX I believe ) to the TEPSLF, I would have qualified. So in about XX/XX/XXXX, I applied for the TEPSLF as I had all federal direct loans. My loans were direct and with a company called XXXX at the time. I was not aware that I needed to do a direct consolidation with XXXX XXXX as it didn't indicate this on the paper forms that I filled out to apply. So I simply applied for TEPSLF and waited to hear back. I waited many months to hear back from TEPSLF so I assumed I wouldn't qualify. I didn't hear anything back so in XXXX of XXXX, I looked into private consolidation options to try and lock in a lower interest rate before rates went up. I contacted a company called XXXX and ended up doing a loan consolidation with them. Shortly after this, I was responded to my TEPSLF and was told I needed to do a direct loan consolidation first and then I would qualify for TEPSLF. I also learned after this that my loans were no longer eligible for direct consolidation as now they are consider " private ''. I contacted XXXX and asked if my loans could be returned to a federal loan and why I was not told that consolidating with them would disqualify me for TEPSLF. In a nutshell, there response was no and that it was not their responsibility to inform me. I have contacted everyone from them to the current loan holder, MOHELA, to the federal government and no one has been able to help. I think it is the responsibility of XXXX and other private student loan buyers to inform clients that this is a possibility. I am an educated man and the student loan space is VERY hard for me to understand. There is no way to expect the average person to understand all of this. I am reaching out here to find if there is any way for CFPB to help. I was recommended to reach out to you guys by federal student aid help center to see if anything can be done. Thank you XXXX XXXX MD

Company Response: Company believes it acted appropriately as authorized by contract or law

State: MI

Zip: 486XX

Submitted Via: Web

Date Sent: 2022-06-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.