Date Received: 2022-04-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Someone use my identity to sign up for school and also filled out for students loan on Mohela
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45212
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My name is XXXX XXXX. I am a XXXX XXXX XXXX XXXX After many odds job, in XX/XX/XXXX, I enrolled XXXX XXXX XXXX to learn about XXXX XXXX with the hope that after graduation I would easily find a good job. My major was XXXX XXXX XXXX XXXXXXXX. In XX/XX/XXXX, XXXX XXXX was forced to close down due to fraud activities in a long period of time, plus the teaching quality and curriculum were too out-dated because of their greed. I was in despair for months. As a student I did not know anything about it until the college closed down. I was completely disoriented for a while. However, I could not let my XXXX years of study go easily. I slowly regained my spirit and determination to complete the program I was studying. I tried to transfer my credits to another college, but I was not able to find any college in XXXX XXXX where I live that would accept me or that I could afford to attend. Finally, I found XXXX XXXX in XXXX that accepts my credits from XXXX XXXX. Because I was almost graduate from XXXX XXXX and able to transfer a large portion of credits from there, I only needed to study online in XXXX year ( XXXX ) to complete XXXX XXXX XXXX XXXX program and graduated from XXXX XXXX XXXX However, XXXX XXXX teaching quality made my knowledge crippled, plus because of study online I did not have any support in terms of job placement in XXXX XXXX. I went to a lot of interviews, I even got into the 2nd or 3rd round of recruitment, but in the end I still lost to the candidates who graduated from universities around here. In the midst of extreme disappointment, I was hired by XXXX XXXX to work as an XXXX XXXX, a profession that I do until now with a minimum wage and only requires being a high school graduate to work. Nothing good in return to me after XXXX years of study, except that I have to bear big student loans totaled {$39000.00} ( it was much higher and I paid it down ) in which about {$31000.00} from XXXX XXXX and {$8500.00} from XXXX XXXX Eventually, it was my big mistake to transfer credits to XXXX XXXX but I did not have a second choice at that time. Please help me to get all of my student loans discharged or at least {$31000.00} from XXXX XXXX. I simply can not afford to pay these loans due to my salary level and the expenses of living in XXXX XXXX. I am a victim of an unqualified college which was controlled by the Department of Education. Thank you for reading this letter. I really hope you will help me get out of this terrible situation. Please do not hesitate to contact me for further questions. Note : In XX/XX/XXXX, I already contacted Mohela ( before it was XXXX ) about this matter but I got rejected.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/XXXX I became Aware of a problem pertaining a student loan that I havent ever applied for and I contacted the school which is Mohela on serval occasions was advised to by a supervisor to ask school to cancel the Promissory note which was never done I reported this to the FTC and I have been sending in documents with My signatures as well as talking with a supervisor name XXXX XXXX on XX/XX/XXXX recent documents that was asked of me and then was ask for the report that I made to the FTC and receive a notice of denial this isnt my loan Ive never been in California nor am I aware of this issue which has been a hardship on my life XXXX XXXX and have been since XXXX I had a XXXX a XXXX XXXX XXXX XXXX I would really appreciate if this would be taken off of my credit in the name of XXXX. Please help me trying to do something for my family and this is truly in my way I believe now whoever took out this student loan the school knows the person XXXX is the school I believe financed through Mohela in the amounts of & XXXX, XXXX and {$2.00}, XXXX which is truly Affecting my credit in the name of XXXX please help me remove these items off of my credit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78728
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The school that I received my loan for was XXXX XXXX, which longer exists. I graduated in XXXX, and by XXXX they had closed. They never received their credentials, which backed our degrees that we earned. My particular degree program- XXXX XXXX was completely dropped not long after I graduated. Part of the reason I agreed to attend this school was its promised of continued education as well as their credentials. see one of many links below. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I called MOHELA to enquire about student loan forgiveness and where I stand on the issue. Multiple people acted as though they had not heard of the short term rules where some payments that didn't count in the past were eligible until XXXX. After reading them the info from a government website they said they would have to look into it. After that, MOHELA was supposed to send me all of the information they had on my past payments since XXXX. It has been more than a month since the first promise to send that information through the mail because they stated they could not send it electronically, and I still haven't received anything.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 38801
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Mohela XXXX Dept of ED continues to report accounts to my XXXX credit profile. I have recently filed complaints against XXXX for allowing this and they have continued to ignore my findings and do investigations with the creditor, putting me at an unfair advantage. I have never allowed XXXX to report this account to my profile. My report never showed Mohela on it. Prove to the government that I signed off on a loan with Mohela with my black ink signature. This is a fraudulent account and the dates lie. They said that it was reported on my report in 2012 however I have provided you proof this account never was on my credit report prior to a month ago. I demand XXXX & Mohela delete this Fraudulent account from my credit report immediately. Pursuant to 15 USC 1681b, Permissible purposes of consumer reports I never gave you any written consent to report this account on my consumer report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am applying for the XXXX XXXX XXXX XXXX for my loan through MOHELA. If accepted, this program forgives {$5000.00} of my current loan balance. I applied in XXXX and was denied for the loan forgiveness. I filed a complaint shortly after because their customer service representative was unable to tell me specifically why my application had been denied. They sent a vague letter that gave very little information about how to fix my application before reapplying. The only advice I was given was to change the name of one of the school buildings. I sent my application back to that school, fixed the name, and reapplied. I was then denied for a second time. I called customer service again, was put on an extended hold, and told that they weren't sure of the exact problem, but it might be because one of the school 's superintendents did not list their title next to their name. When I asked why this issue was not brought up in the initial denial, they had no explanation. I am now fixing my application and applying for the third time, still without any clear guidance on what needs to be fixed for my application to be accepted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14217
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: When I finally got the help I needed to make consistent payments with a Fed Server, the government shut things down r/t COVID 19. I continued making my payments only later to find out that the government transferred my account to MOHELA. I continued making payments with MOHELA but no longer can because of the long phone call wait time and now I can't logged into my account to get information about my loans. My account either freezes or locks me out. It's important that I let them know I have moved! I had a better communication with my previous Fed Loan Server and monthly auto payment setup that was working great. This was not necessary for the Federal Government to just change my Server as though my opinion doesn't matter concerning my debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95210
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MOHELA/Dept of Ed amount {$140.00} 15 U.S. Code 6802 ( b ) ( c ) Opt out, I was never given the opportunity to exercise my rights to opt out of having this alleged debt reporting on my consumer report. 15 U.S. Code 1681 a # 2 exclusions and ( B ) Any authorization or approval 1602 ( L ) Term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This does not state anything about reporting of student loans is not credit.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: DEPT OF ED AND MOHELA BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. MOHELA HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE. USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A