Date Received: 2021-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a letter about a delinquent loan. I contacted the company and apparently there were loans taken out that were fraudently co signed in my name.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I consolidated this loan from two loans of {$2500.00} each. Total of {$5000.00} borrowed. The loan was in forbearance for a number of years because I was not working. This caused it to increase to {$18000.00}. I have been paying on this loan for 7 years with an average payment of {$200.00} per month and the amount keeps increasing. I now owe {$26000.00}. This to me is unfair and abusive practice. It appears all payments are going toward interest only and at this rate I will be paying well into my retirement as I am approaching retirement age. Will I have to continue making payments well into retirement? At this point when will this debt be satisfied? According to my calculations I have paid this loan 3 times over. MOHELA is the loan servicer name. Thank you for your attention to this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36526
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The Student loan company mow MOHELA, I have paid in full the {$370.00} several months ago and I have a copy on my credit card of where I paid three main in balance which was the {$370.00} and it still shows that I owe that much even though I already paid off my student loans. It is affecting my credit score negatively since it shows I have a balance even though I paid it off
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29063
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2015 Mohela/Dept of Ed added a derogatory mark on my credit report XX/XX/XXXX and XX/XX/XXXX per XXXX XXXX XXXX. This account was transferred sold. Debtors creditor did not verify this collection mark. Also, there was no written form of communication of accused debt. I was always in forbearance. Anybody can send a bill and say its my bill. According to the FCFA Mohela/ Dept ed has violated my rights as a consumer and I'm requesting legal action to remove the late payments from XX/XX/XXXX and XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06360
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear US Dept Of Edu and Mohela : Thank you for sending me your internal records of the debt ( US DEPT OF EDU ) Account # XXXX ( MOHELA ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I consolidated my student loans many, many years ago. When I consolidated the loans, I made one payment to the servicer, Mohela. I have documentation which shows that when consolidated, there is one loan. Mohela is showing on my credit reports between 9 and 13 delinquent accounts under account number XXXX with the 3 reporting agencies. In XX/XX/2017, I filed bankruptcy, as a result of my divorce. I had never been late on my loans when in fact, I was on an income contingent plan and there were no required payments. The balance due is correct in total. The portion that is not correct is that I no longer had, at that time, XXXX student loans. I only had one. The loans were all consolidated into one loan. I reviewed the consolidation process with Mohela and the Department of Education, each states that when loans are consolidated there is one loan. The loan statuses should show, paid for all of them with the exception for one loan totaling {$49000.00}, which is currently included in my bankruptcy. I have been placed on long holds and transferred from one department to another with no resolution. Finally, I disputed the loan statuses with the credit bureaus but there has been no change. I would appreciate any assistance. I do not want to dodge the loans but the information should be reported correctly. The way that this is reported, is as if, I am blatantly disregarding payment of the loans. I want my report to reflect the truth.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I currently have a loan through " Figure MOHELA '' and I am attempting to refinance through " XXXX. '' On XX/XX/XXXX, the dispersement was sent from XXXX to MOHELA but was refunded for some reason. I have spoken to reps from each company multiple times and neither will take fault for the error. On XX/XX/XXXX, XXXX states they resent the payment to MOHELA. XXXX states that this was not an XXXX error and MOHELA also states that it is not their fault because they would only send back payment if " sent to an incorrect address for a different loan type. '' Currently as of today, XX/XX/XXXX, it seems as though MOHELA has still not received payment. I am still collecting the interest at the higher rate with MOHELA at 4.05 % compared to my new rate with XXXX at 3.96 %.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53406
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear MOHELA/DOFED & XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed immediately. ( Screenshot below )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: There are unresolved errors on my credit reports as reported by MOHELA. I have only one student loan that was handled by MOHELA. MOHELAs inattention to my written requests has created a duplication on my credit reports. I have disputed said duplication with XXXX, one of the three major credit reporting agencies. I have also requested that MOHELA remove this negative reporting via a letter sent certified mail and received by Mohela on XX/XX/2020. I have given up on trying to convince MOHELA that they should respond to my letters so I have filed a lawsuit against MOHELA which they have yet to respond to formally. I have sent the lawsuit to their certified mailing address in my state and to their attorney XXXX XXXX. The error I am trying to have fixed still shows up on my XXXX and on my XXXX XXXX credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A