Date Received: 2022-05-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX {$2600.00}. XXXX {$2600.00}. XXXX. Filed a Consolidation with XXXX XXXX on XX/XX/2019. Information was shared without my Approval to another Company. Information was shared without my Approval.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27537
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to incorrect items on my credit report it has been well over 30 days
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have a Student Loan through XXXX Mohela and my payments were {$380.00} a month. In XXXX of XXXX, I had to do a forbearance due to being unemployed. When my forbearance expired in XXXX of XXXX, the payments had risen {$490.00} a month. Unfortunately, I had to do another forbearance, in XXXX, this time due to a XXXX and now the payments are {$730.00} a month. I called XXXX Mohela on XX/XX/XXXX to see why the payments are so high after my forbearances and they told be it was due to the term of my loan, which is five years and ends in XXXX of this year. I asked if there was a way to reduce the payments, because I only work part-time and I have not started back to work yet and they told me there was not way to reduce them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with The fair Credit be Reporting act XXXX 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 A account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open Consumer credit plan as late for any purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
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 have filed several disputes with the XXXX and XXXX about a student loan that is on my credit report that is the result of identity theft and/or fraud and it has not been removed. I recently filed a complaint with the FTC on XX/XX/XXXX, and followed the directions in the recovery plan and they have exceeded the 4 days they are given to remove fraudulent items that can not be verified. I contacted XXXX and XXXX by phone on XX/XX/XXXX and on the same day I sent them a dispute letter that I found on the ftc website advising them of my rights under section 605 of the frca, along with a copy of the ftc report and my drivers license. Mohela Account dated : XX/XX/XXXX. amount {$10000.00} Note : All my student loans from when I was in school ( XXXX ) were discharged, but this one was not included because it is not mine! I also reached out to Mohela and after speaking with a customer service rep and a supervisor they could not give me any information on this account or where it originated. I filed a complaint with the consumer advocacy group at Mohela to have the account removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This is part two. Part one was Complaint ID XXXX. My loan is on the XXXX plan. Part one was about the servicer trying to say I made less payments than I did. Now, even though they said I made XXXX out of XXXX payments, they are telling me I need to send income tax info from XXXX. I mailed a set on XX/XX/XXXX. Then they said my IDR request was denied because they didn't get my tax forms. So then I emailed them to MOHELA on XX/XX/XXXX. Now they sent me a letter dated XX/XX/XXXX saying " We apologize but we are unable to grant your request for an income driven repayment plan. '' Then it said " A forbearance may have been granted for up to 60 days. '' I heard that this is called FORBEARANCE STEERING and it is illegal. Can I sue MOHELA for doing this?
Company Response:
State: VT
Zip: 050XX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: There was a third party being part of my account. I had to pay about 3years straight {$350.00} so my loan interest would not go high or have any late payments. Also it was supposed to be also as getting the Loan at its lowest and would not have to pay the full amount. The person " XXXX '' was assuring me to get my loan cleared and paid by Government payoff that was supposed to happen. ( It never happened they were just charging me. ) Not sure what needs to be done. I would like some help to put the complain in and see if I can get my money back from them for charging me for free services that should have been given this entire time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied for the Public Service Loan Forgiveness 3 times and was denied each time. My loans were held by XXXX at the time. They said I didnt have the right kind of loans, but I was never advised to consolidate them into a direct loan and was never told why my loans didnt count. I gave up after the XXXX attempt/denial and consolidated the loans last year with a XXXX/Mohela in order to pay them back. I have worked as a physician at a federally qualified health center for 11 years and at the VA for one year. This year, I believe I would have qualified for the PSLF program had I not been given horrible advice last year from the federal governments educational loan department. It cost me {$34000.00} at the minimum.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 672XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Ive been paying on my school loan for a year now of XXXX $ a month a company called XXXX XXXX saying they transfer federal loans to there company an set up a auto payments so I did an I looked at my credit report today it says everything is outstanding with payments but no money is getting deducted so I callled the name an number at the bottom of the school loan report on credit karma an it was MOHELA and they said they have my information but I havent payed anything so now I feel like Ive being paying all these XXXX of dollars to a scam company.. I have screenshots of my credit report too
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: The school I attended filed chapter XXXX bankruptcy after defrauding me on earning potential and loan process
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A