Date Received: 2015-07-16
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: -My college loans were transferred to Mohela three years ago. -I had a XXXX and applied for XXXX relief. -Through the XXXX relief program ( XXXX ) suspended any and all payments to be made to Mohela . -XXXX advised they contacted Mohela of the suspension of payment. -Mohela kept trying to collect on the transferred student loan, to wit ; XXXX dollars. -Mohela said XXXX it were still collecting on the loan and were gon na ruin your credit. -They, Mohela reported a 90 late payment on my credit history-Now may credit history went from XXXX to XXXX because of this frivolous reporting by Mohela-Five days later the loan was paid in full by a credit card due to the continued harassment and threat to ruin more credit. -Mohela reported a loan 90 days late when XXXX suspended payments due to XXXX. -- its bad enough experience a XXXX now I have to struggle with a bad credit report and only late payment shown on my credit which has hurt my chances of obtaining viable loans and credit. -Please help with this complaint and please stop mohelas egregious behavior
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Approximately XXXX XXXX, 2015, Mohela started robo-calling our home. My husband, XXXX, answered and was told he had a student loan debt. We are XXXX senior citizens and neither of us ever took out a loan to pay for school. The person representing Mohela would n't give him any information regarding the " XXXX '' they were looking for, but wanted my husband 's last XXXX digits of his social security number and his date of birth, which he refused to tell them. The robo-calls continued, so I looked up Mohela 's website XXXX www.mohela.com XXXX and XXXX called the phone number listed there ( XXXX ). He was told the " XXXX '' they wanted had a different middle initial than his and that the calls would stop. They still call XXXX a day. Thank you for your consideration of our problem. XXXX
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-16
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Why wo n't you investigate Federal Student Loans? XXXX has a policy in place of applying extra payments toward future payments, thereby collecting more interest and keeping borrowers in debt longer and longer. They have layers of obstacles making it difficult, if not impossible, to pay only the minimum amount each month and pay down principle with extra payments when you can. They threaten to increase your minimum if you ask to make principle reduction. Imagine if you wanted to pay an extra {$300.00} on your mortgage, and the bank said they " ca n't do that, and if you ask us again, we 'll raise your interest rate ''. That is pretty much what XXXX is saying to thousands of student borrowers.
Company Response:
State: AK
Zip: 996XX
Submitted Via: Web
Date Sent: 2015-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-11
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Consumer Complaint: I took out a student loan for my son, XXXX XXXX, back in 2003 for his college education. Since then, we have done our best to keep up with the payments and only owe about {$500.00} total to XXXX. However, if I am a DAY late they begin calling me XXXX times a day, contacting my job, borderline harassment. I 'm currently in my mid XXXX 's and can not endure the stress of this. I 'm not ever more than 15 days late and I 've considered getting an attorney involved because there has to be some laws being broken. This is n't an effective means of going after debt. My son worked for a collection agency and he stated they are violating at least a dozen laws by the way they 've contacted me ( which I 've kept track of ). I 'm pretty sure I 'm not the only XXXX suffering from this ridiculousness and when I called and tried to resolve with XXXX they were n't completely truthful with me. I need help fixing this and also I need to make sure this does n't happen ever again.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2015-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-05
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: Concerning case number XXXX : Today I learned from a fellow employee that a representative from MOHELA talked with my co-worker over the phone and the MOHELA representative asked my co-worker about my location. This is extremely troublesome to me. How can this sort of activity be legal? This is absolutely unethical behavior by MOHELA.
Company Response:
State: WA
Zip: 98001
Submitted Via: Web
Date Sent: 2015-06-08
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-03
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: I have been enrolled back at XXXX XXXX University in the XX/XX/XXXX. Recently, i have been harassed by Mohela for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Mohela is now reporting to the credit bureaus that I am late. At this point, XXXX needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2015-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-13
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: I have repeatedly requested MOHELA to stop calling me on my cell phone and to stop calling me at my work. I also sent them an email asking them to cease and desist this harassment. MOHELA continues to do both many times every week and their calls always start with " This is MOHELA calling ... ". My coworkers often answer the phone and they have complained to me about this. I am afraid management will be soon talking to me about these distracting phone calls. But I have never, not once, told anyone at work about my student loan situation. But now they all know because all they have to do is look up the name MOHELA on the internet. And now my company and coworkers know of my situation. This is having a very demoralizing effect on me. Also, I had a XXXX of years ago and my XXXX is in a XXXX. ( MOHELA has been informed of my health condition ). This kind of XXXX is definitely not good for my health. My feeling of well-being is at its lowest ever. If I could repay my student loans, I would do so immediately. But I have been living at the poverty level for more that XXXX years now. Finally, I must say that taking out student loans is the worst decision I have ever made. But back then I did not fully realize what I was doing. I do not wish this kind of bad situation on anyone and would advise anyone to not take out these kind of loans unless they are completely sure they will get a job that pays enough for them to pay back the loans. The student loan program should be completely canceled.
Company Response:
State: WA
Zip: 98001
Submitted Via: Web
Date Sent: 2015-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-01
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: I have been contacted in 29 times, since XXXX XXXX, 2015 by a Company called MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. The calls are annoying. According to my son, Mohela has all the information on loan that belongs my son, not me. Yet they continue calling me. The most recent call was on XXXX/XXXX/2015 at XXXX PM. In the past two days, I have had XXXX discussions with Mohela personnel and quite clearly told them to stop calling and harassing me.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2015-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-31
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I filed bankruptcy and to my knowledge this loan was giving to another agency and is listed as closed on my credit report. I battled back and forth with mohela about the loan, now they are trying to sue me.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2015-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-29
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Consumer Complaint: Mohela called me on XXXX/XXXX/15, I told the rep I was at work he then advised me it was an urgent matter. I was concerned so I asked my team lead to give me about XXXX minutes because I had an urgent phone call. I then verified my information and he then informed me I was past due on my loan ( only XXXX days ) but the payment was pending in their system because I always make my payment through their system. I had to tell that rep the payment was already made and that he should have looked at the payment screen before he asked me to make a payment. This incident has happened before when a payment was made but not yet posted. I was only XXXX days late, I started a new job and my paydays are different from my previous employer, I have never been XXXX days late with them and this matter was not an urgent matter because the payment was already and I felt like they wasted my time, the co-signer and was upset because she states no one told her a payment was pending in the system. It seems to me that Mohela wants to misled and employ scare tactics, the payment was made for the XXXX and the money came out of my account on the XXXX ( it was showing as pending in my checking acct on the XXXX ). Mohela has did this to me before, I had to tell the rep to look into the system because I made a payment, I also heard a call my mom recorded of Mohela and not one did he tell her a payment was pending in the system, he asked her to make a payment. She was upset with me because they implied she needed to make a payment when I already her one was made but not yet posted, nowhere on that call was that information given. I actually looked online on mohela 's online page and the payment was posted on the day I said it would. I also spoke with a consumer rights attorney and he advised me that Mohela should make sure they are looking to see if a payment is scheduled online before they ask someone to make another payment and the rep misrepresented the call by saying it was an urgent matter ; it was not an important issue because the payment was made and it was only XXXX days past due. I was nowhere near the XXXX day mark so I am not sure they discussed anything about credit reporting for this payment because it sounded stupid to say such a thing. A supervisor states they have to call when a payment is late ( this is their job ) but make sure you are actually looking to see if a payment was made before you stay anything stupid like asking to make another payment. I was also advised by an attorney that Mohela should not be telling people it is an urgent matter because it was not in this case and nothing about a past due bill is an emergency. It was utterly deceptive and this is not the first time this has happened, I would prefer to get manual calls not computer calls on my cell phone but they told me I had to endure these stupid calls. The rep asked me if I had another phone call number to use, I said no then I was told I would have to endure these useless calls especially since a payment was already made but not posted, it was pending in the system and I wish people at Mohela would take the time to look at the online screen because they wasted my time because I was at work and I had to stop what I was doing to deal with this matter.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2015-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes