Date Received: 2020-05-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This is illegal I will take that XXXX XXXX dollar settlement and recover the damages legally on my own. I do authorize to the highest authorities the damages and expect the criminals and illegal companies/adoption agencies/security that staged this attack to be held accountable. You can contact the FBI for further dispute. I expect to be fully unassociated with all damages after the year of 2012. I expect to have a 740+ credit score all around with perfect bill payer history and to be debt free, I also expect to be unassociated with all crime and or criminals to freshly continue my life without illegal unauthorized burden, my mortgage is hereby destroyed I expect it to be fixed eventually. XXXX XXXX, new DL, new last name, will double XXXX XXXX XXXX God bless America, Thank you for your continued service Happy Memorial Day Best Regards, XXXX XXXX ( XXXX ) XXXX - XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91941
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Checked credit report after being diagnosed as XXXX and forced to retire. Saw on XXXX, that Mohela was reporting my student loans as adverse and unpaid. When I became XXXX in XX/XX/2018, I contacted Mohela for a forebearance extension, because of my XXXX. They advised that I contact XXXX to have my loan forgiven due to my XXXX, and they told me XXXX would take over the loan. Contacted XXXX at XXXX. Was advised that I no longer had to make payments on the loan, they would notify Mohela, and XXXX now had the loan. I would now enter into a 3-year probationary period with XXXX, and after 3 years, my loan would be forgiven. But Mohela is reporting my loan with XXXX as adverse and closed for non-payment. I filed a dispute with XXXX online, which they say never happened, I have a XXXX File #, and filed with them over the phone as well as mailed documents. They sent a letter back advising that they investigated it for 1 day, and changed the status as transferred to another office. I have documents to include, please. Why take this action against me because of my XXXX. I never asked to be XXXX. I just want to get back to work, which will never happen, and now Mohela and XXXX work together to trash my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 52402
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt is a result of identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01605
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm a victim of Identity theft. So one used my information to get a student loan. I have reported this to the credit Bureaus & the company that has the loan. I have also filed a police report case number XXXX. They haven't removed this from off of my report. I have sent in all the documentation that I have on this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33613
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was refinancing my private student loan which was held by XXXX XXXX with XXXX XXXX due to their lower interest rates. When I called XXXX XXXX with my cosigner ( dad ) they told me I had an additional {$41000.00} in debt from college and asked me if I wanted to include that to my refinance. I am a recent college graduate and was shocked by this number, but they confirmed the debt was mine and I agreed to include it in the refinance. In late XX/XX/2020, my sister who held a private student loan with XXXX XXXX called because her loan status showed that it was " paid in full ''. Here, XXXX XXXX without her consent and without my knowledge ( they assured me the {$41000.00} was mine ) wrongly included her debt and refinanced it into my name. None of the loan documents that I signed included her information anywhere. XXXX XXXX seemingly replaced her information with mine, and put it all under my name. Now, I owe an extra {$41000.00} and XXXX XXXX refuses to remedy the problems they caused. They blamed me and said I signed the loan documents, but again all of the loan documents only included my name and my co-signer 's name. Additionally, a loan company can not combine the loans of two people into one party 's name. And even IF this was a legal act, they would have needed the consent of my sister to take action on her debt. There was never a mention of my sister 's name anywhere, and nowhere for her to sign so her private and personal information was used wrongly and without consent by XXXX XXXX. When we called XXXX XXXX on XX/XX/2020, XXXX at XXXX XXXX refused to speak with us, he told us there was no information he could give me ( even though the loan is in my name ), he refused to transfer us to a manager or the accounting department. He blamed me and said I signed the documents, but of course I did -- they supplied me with information they assured me was true and correct, and only included my name and information. This needs to be resolved- student loan companies may not by law do what XXXX XXXX did.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I refinanced my student loans with XXXX XXXX in XX/XX/XXXX, which are serviced my MOHELA. On XX/XX/XXXX, I received an email from XXXX XXXX that stated the following : " Your private education loan is owned by XXXX XXXX. This communication is to inform you that XXXX XXXX has rebranded and changed its name from XXXX XXXX XXXX. XXXX XXXX is continuing its partnership with MOHELA as the servicer of your private education loan. With more than 30 years in the student loan servicing industry, MOHELA has the expertise to help manage your loans - answer any account questions, help you explore your benefits and repayment options and process your payments. For your convenience, we have created a new website and phone number for your use, should you have any account related questions. This change is effective XX/XX/XXXX. There is no action that you need to take at this time. '' On XX/XX/XXXX, MOHELA debited {$440.00} from my bank account for my monthly payment, which automatically deducts from my account. On XX/XX/XXXX, I noticed that this payment was never credited to my student loan account. Furthermore, I had a notice that my payment was late and that I would be charged late fees. My interest rate had also increased by 0.25 %. They were originally deducting that interest rate for auto-pay. I called MOHELA that morning and they said that they would address this issue shortly. On XX/XX/XXXX, I called again because no progress was made on my account. I was told that this was missed by the accounting team and they would flag the issue to get taken care of immediately. On XX/XX/XXXX, I received a call from MOHELA informing that my account was delinquent and that I would be charged late fees, have my payments reported to the credit reporting agencies, and have my debts sent to a debt collector, even though I had already had this payment taken from my bank account on XX/XX/XXXX. I told her about my prior conversations with MOHELA and she acknowledged there were notes about this issue on my account and apologized for calling. On XX/XX/XXXX, the issue was not fixed and I called again. I spoke with a supervisor who told me that this would be taken care of by Friday, XX/XX/XXXX and that it would not be reported to the credit agencies until the end of the month. Later that day I received another call from MOHELA that my account was delinquent and they would attempt to collect the debt and charge me late fees. On XX/XX/XXXX, the problem had not been addressed and I received another call from MOHELA that I missed. I returned the call and the customer service representative again told me that my account was delinquent. I told her about my prior conversations with MOHELA. She contacted another department and informed me they had an internal meeting and would apply the payment to my account by XXXX on Tuesday at the latest. That deadline has passed and the payment has not been applied to my account. The original payment made XX/XX/XXXX has still not been applied to my account. I have made additional payments of {$200.00} on XX/XX/XXXX and {$300.00} on XX/XX/XXXX to avoid having MOHELA report late payments to the credit agencies, despite having paid this on XX/XX/XXXX, and the customer service representatives acknowledging that they have received this payment. My interest rate remains 0.25 % above what it was supposed to be with Auto-Pay and the late fees remain on my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Was attending XXXX XXXX Ca in XXXX. I stopped attending in XXXX due to personal reasons. My campus was closed shortly after. Loans were still released to XXXX in XXXX and I'm stuck with the bill. I feel XXXX should be held responsible since they got the funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I refinanced my student loans with XXXX and the loan was funded on XX/XX/XXXX. At the time, an over payment had been made to my previous servicer because the payment was due around the same day the loans were refinancing. I contacted the company 3 times over the course of 45 business days to ask when my over payment would be applied and was told that I had to wait until 45 business days had expired. At the end of this period, I contacted XXXX/Mohela and was put in touch with a customer advocacy team. This team requested that I provide the check information from the previous servicer which I did. After several days I contacted the customer advocacy team again and they said they could not find my over payment and I would need to get a cop of the cleared check. So again, I reached out to my previous servicer who sent the information multiple times to XXXX/Mohela before they confirmed receipt. Its now been 4 months since my loan funded, I have contacted XXXX/Mohela over 18 times and have escalated my case multiple times with no anticipated resolution date. When I ask why the payment is not being applied Mohela says they are waiting to hear back from XXXX. Mohela agrees that I have made the payment and that I have proved that I made the payment. Mohela can not provide a time frame or resolution to this issue. They refuse to give me a direct phone line to a manager and tell me that I have to continue to wait. XXXX/Mohela cashed a check ( # XXXX ) in the amount of {$1600.00} from XXXX on XX/XX/XXXX. The check also contained a roster ( which I am not privy too ) specifying how payments should be applied. {$770.00} of that check should be applied to my account. See attached cleared check image. Account number : XXXX. Overpayment : {$770.00} ( XXXX to XXXX/MOHELA )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Mohela 1. Second installment on this loan was late by one day, company change loan repayment schedule, and called the account delinquent ; without my consent. 2. Company has changed interest rate and repayment schedule on fixed rate loan ; again with no notification or consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: During the week of XX/XX/2020, I called the private student loan lender of MOHELA XXXX XXXX stating that I am unemployed and my XXXX is going bankrupt due to the COVID-19 pandemic. I asked for an interest free deferment. I was only offered a 3 month forbearance. I told the representative that I am not interested in a compounding ( capitalizing ) on the principal term. She reassured me twice that it is non-capping. I agreed to this non-capping term. On XX/XX/2020, MOHELA XXXX XXXX wrote me and stated they approved me for a 3 month forbearance that is capitalizing and placed me into this. I was lied to on the phone and put into forbearance terms that will cost me thousands of dollars. This needs to be investigated. Also, the government needs to make private loans deferred during this time, as only federal loans are deferred for 6 months and all people with private loans are being forgotten about while we have no income. These private loan policies are predatory. There also needs to be legislation to update the bankruptcy law to eliminate student loans for people who are going bankrupt related to COVID-19. We need help. In a chapter XXXX bankruptcy, student loans are not discharged even in the midst of this natural disaster. In a chapter XXXX filing, they ignore your student loans and put them into forbearance for 5 years while other debts are paid and can you imagine how much someone's life is ruined after 5 years of interest being added to a principal loan balance that is over {$300000.00}? The system is broken and creating indentured servitude.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93940
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A