Date Received: 2020-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: DATE:XX/XX/2010 AMOUNT : {$1400.00} CALLED THE COMPANY AND INFORMED THEM THIS WAS NOT MY ACCOUNT AND THEY DINT HAVE ANY INFORMATION ABOUT ACCOUNT
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75901
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I recently refinanced my parent plus direct loan with mohela sofi. The feds have dropped the rates temporarily to 0 % and required all servicers to comply. However mohela sofi is not honoring this for any private loans that were refinanced from a fed loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97702
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: MOHELA and XXXX are refusing to report correct information regarding the attached statement
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-16
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Federal Student Loan agency ( MOHELA ) has committed deliberate and repeated violations of the [ Fair Debt Collection Practices Act Section 805 ( c ) ] [ 15 USC 1692c ], the [ Fair Debt Collection Practices Act Section 806 ] [ 15 USC 1692d ], the [ Fair Debt Collection Practices Act Section 807 ( 4 ) ( 5 ) ] [ 15 USC 1692e ], the [ Fair Debt Collection Practices Act Section 809 ( b ) ] [ 15 USC 1692g ], the [ Fair Credit Reporting Act Section 623 ( a ) ( 3 ) ] [ 15 USC 1681s-2 ], and the [ Fair Credit Reporting Act Section 623 ( a ) ( 6 ) ( B ) [ 15 USC 1681s-2 ]. Despite multiple formal disputes pursuant to the [ Fair Debt Collection Practices Act Section 809 ( b ) ] [ 15 USC 1692g ] being sent demanding validation, proof of contract, and proof of claim, ( MOHELA ) has failed to provide any certified or authenticated documentation and evidence of a lawful or legal right to collect on the alleged debt claimed. Formal notices disputing the validity of the alleged debt as well as notices demanding ( MOHELA ) to cease and desist further communication for failure to provide proof of claim or proof of contract have been sent and delivered via Certified or Registered Mail as shown below : Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Based upon the facts and evidence provided herein a claim will be immediately filed in Federal Court against ( MOHELA ) for Civil Liability pursuant to [ Fair Debt Collection Practices Act Section 813 ( a ) ( 2 ) ] [ 15 USC 1692k ] and the [ Fair Credit Reporting Act ] for the following violations : [ Fair Debt Collection Practices Act Section 805 ( c ) ] [ 15 USC 1692c ] Communication in Connection With Debt Collection [ Fair Debt Collection Practices Act Section 806 ] [ 15 USC 1692d ] Harassment or Abuse [ Fair Debt Collection Practices Act Section 807 ( 4 ) ( 5 ) ] [ 15 USC 1692e ] False or Misleading Representations [ Fair Debt Collection Practices Act Section 809 ( b ) ] [ 15 USC 1692g ] Validation of Debts [ Fair Credit Reporting Act Section 623 ( a ) ( 3 ) ] [ 15 USC 1681s-2 ] Responsibilities of Furnishers of Information to Consumer Reporting Agencies [ Fair Credit Reporting Act Section 623 ( a ) ( 6 ) ( B ) [ 15 USC 1681s-2 ] - Responsibilities of Furnishers of Information to Consumer Reporting Agencies
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60406
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I requested validation of this alleged debt many times from the companies reporting the debt, such as XXXX XXXX and XXXX. The original creditor Mohela could not provide proof of the debt in which it was removed from XXXX and XXXX, However XXXX has failed to provide me with any valid documentation supporting the alleged debt. The original creditor is Mohela and the account number is # XXXX. According to the FCRA proof of this debt is required in order to report it to the credit bureaus. I have filed a police report in regards to this fraudulent activity and I have not been notified by either party involved with my compliant.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am in XXXX school seeking an in-school deferment for payment of XXXX student loans. My lender, XXXX/MOHELA, refuses to accept enrollment verification from the XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX XXXX as support for an application for in-school deferment. XXXX/MOHELA requires that a representative from my current school fill out and sign part of the deferment application to verify enrollment. However, my school contracts with the XXXX XXXX XXXX to be the sole provider of enrollment certifications and, therefore, will not fill out the XXXX/MOHELA form because of contractual obligations. The registrar at my school has dealt with my lender on multiple occasions and has told me that XXXX/MOHELA will begin to accept the XXXX and XXXX data as proof of enrollment. XXXX/MOHELA still refuses to accept my deferment application without a signature from a school official. Apparently, private lenders should be able to view enrollment, and my lender has in fact viewed my enrollment, on the XXXX website. My school and the XXXX XXXX XXXX notified XXXX/MOHELA of my enrollment each and every semester. This has been an ongoing issue for two years. Initially, XXXX/MOHELA told me that XXXX and XXXX data is only acceptable to public lenders, not private. After the registrar 's office at my school told my lender that what they told me is incorrect, XXXX/MOHELA now denies my in school deferment application simply because they do not accept verification from third parties. The form of verification I provide is acceptable and proves that I am currently enrolled full-time and in good academic standing, however, it is just internal policy at XXXX/MOHELA to refuse such verification. The repeated denial of in-school deferment has led to increased payments, late payments, and negative reporting to credit agencies.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please CFPB, I'm a victim of fraud, please forward the following information to Mohela. Thnak you!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90277
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I called Mohela in XX/XX/2017to let them know I am not a student at the school anymore the school continue charging the loan company. When I call the school no one in Finacial Aid is speaking to me. I did not graduated from the school I left and transfer to a accredited school
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30680
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Mohela is putting duplicate information on my credit report and lowering my credit score dramatically. I have 3 student loans with them and they put my information on XXXX and XXXX double. They put the original loan and the in house collection company reporting the same dept.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2019-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called to have my account put on forbearance which I was told I was granted which never happened. I than went into collections dues to the error and it shows up on my credit report as two separate occurrences on my credit due it being set up as two accounts that were combined.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2019-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A