Date Received: 2020-08-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just started getting thousands of dollars showing up on my credit report out of nowhere. I never went to college I never borrowed any money to go to school! I am disabled so even if I did take out any loans they would've been forgiven already because I've been on XXXX since 2010. I don't know who's loans these are but if they're not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
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 3 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: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX-Mohela over paid my student loan with XXXX in the amount of {$1100.00} XXXX stated they sent the credit back to XXXX-Mohela, however, XXXXMohela has only allocated {$500.00} to my account, resulting in a balance owed to my account in the amount of {$680.00} XXXX-Mohela has asked that I work with XXXX to get the appropriate information, however XXXX will not release the information to me directly as the credit check that was sent to XXXX-Mohela includes other individuals. XXXX is willing to work with XXXXMohela, but XXXXMohela needs to contact XXXX directly for the information that they need.
Company Response: Company believes complaint is the result of an isolated error
State: MI
Zip: 48306
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These two accounts seemingly sharing an account number, were both opened fraudulently on XX/XX/2015. I've since certify mailed a dispute letter including Identity theft report, affidavit, social, ID, and utility bill for verification.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was approved for XXXX XXXX discharge on XXXX XXXX. I was told in the approval that I could consolidate the loans to direct loans which I did on XXXX XXXX in order to receive discharge of my direct loans. I requested to change the servicer of the loans from XXXX to Mohela on XXXX XXXX. By XXXX XXXX my loans were paid off with XXXX and changed over to Mohela, however, neither XXXX or MOHELA have applied my loan discharge that I was approved for despite the Borrower of XXXX stating for months that they sent the servicer proof of my loan discharge approval. I even filed a complaint with the XXXX and sent proof of my approval to both XXXX and MOHELA.
Company Response: Company can't verify or dispute the facts in the complaint
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
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: XXXX, XXXX XXXX and Mohela are in violation of the Fair Credit Reporting Act. They all continue to report my student loans in deferment and continue to report the incorrect payment history despite me submitting proof multiple times for months .The Credit Bureaus are also in violation of providing verification method. Even with my proof that I am not in deferment and despite the Cares Act Law they continue to report in deferment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-26
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: To whom it may concern, I started XXXX college XXXX of 2016. We were to move to Tennessee and i was was enrolled at XXXX XXXX college at the time and just about through my program for my certificate. XXXX wouldnt except my credits from XXXX XXXX and i felt extremely pressured to sign up the day i visited. We ended up not moving there so i asked if i could do online coarses. That turned into a big mess. I was paying for classes for brick and mortor and getting in trouble for not going to class for 2 semesters. I just dropped out. But the student loan is outrageous for 2 semesters plus XXXX XXXX. When i attended XXXX XXXX they had my fafsa so XXXX up it took a long time to get my student loans federal and private. I had to sign i.o.u 's. Im afraid to go back to college because if my fafsa was put in so many times, brcause they input my ssn wrong i have only it has to be put perfectly or no fafsa ever again. Its taken me this long to find you to file a complaint, because every lawyer or financial ( college ) didnt know of any place that you could. Thank you XXXX XXXX XXXX XXXX
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: IN
Zip: 46825
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2020, at XXXX XXXX I received a call from a number I did not recognize. I do not answer numbers I don't recognize. Shortly after I had the following text exchange with the number who I will call XXXX ( he later revealed his name ). -- - XXXX : Avail for a call? Me : who is this? XXXX : Hey [ MY NAME ] .... this is XXXX. I just tried to call you and sent you an email Me : XXXX who? i don't know a XXXX. XXXX : Look at the email, and then let 's talk!! Me : no thanks XXXX : No, we haven't met ( yet ) This is about your XXXX account XXXX : I am XXXX XXXX ... .. this is my cell, so you can reach me here anytime Me : i don't have an account with a company called XXXX. this is an incredibly unprofessional way to contact someone be it for business or personal means. do not contact me again. ( Here I received a call from the cell number again, then a call from a second number ) XXXX : This is MOHELA. Me : then contact me through a verifiable company number and not a personal cellphone. the XXXX kind of business practice is this? and maybe do it during regular business hours? thanks. i'll be filing a complaint with the FTC. -- - I called MOHELA shortly after and asked to file a complaint about an employee who was using a personal cell to contact me. I was directed to their branch called XXXX and the office was closed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 66215
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A