Date Received: 2019-05-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I disputed student loans with XXXX citing that they were too old to be on my credit report. Mohela has reported to the credit bureaus that the last payment they received from me was XX/XX/XXXX. I stated that no payments were made in XXXX and I even had a copy of my XXXX tax return showing {$0.00} paid in student loan interest. The information came back verified as correct. I contacted Mohela myself through their website on XX/XX/XXXX asking for my payment history. After filling out the form it said I should receive payment history in 5-10 days ( not business days ) by U.S. Postal Service. Almost 3 weeks pass and I still don't have anything. No mail and no e-mail. So I called Mohela on XX/XX/XXXX and the phone system said my social security number wasn't in the system. I waited and was transferred to a representative who told me that my student loan had defaulted and that I was to contact the collection agency. I told him that I was waiting for my payment history and he repeated that I needed to ask the collection agency. So I specifically asked him if all of the paperwork gets transferred when they close the loan and send it to collections. He said, " Yes, everything gets shipped out. '' But apparently my information is still in their system otherwise how does he know the status of my loan? According to my credit reports, Mohela closed the loans and transferred them back to the Department of Education, and then 3 years later, the Department of Education marked them as closed and sent to collections. How would Mohela know what the Department of Education has done with my loans? Also, Mohela 's website states that if you want a detailed transaction history that covers the life of your loan while serviced at Mohela, you may request that a complete Payment History be sent to you from the Payment History page. After clicking on the Payment History link, it takes you to a page that states : For detailed history that includes financial transactions that occurred during the time your loan ( s ) were serviced by Mohela, you can request a Financial Transaction Summary be sent to you. To request a history of financial transactions that occurred prior to the time your loan ( s ) were serviced by Mohela, call us at XXXX. No where does it state that once a loan has defaulted that I am no longer allowed access to this information or that they Mohela will no longer have it. It also says when your loans WERE serviced by Mohela. Past tense. I believe they do have this information but aren't giving it to me. I did contact the collections department on XX/XX/XXXX as well. This was the collections website the NSLDS gave and they never answered me either. They updated the collection agency information but they too just let me figure it out for myself that they just weren't going to answer me. A simple e-mail stating who to contact would have been simple and courteous. Yes, I contacted the collection agency that is supposed to be the current servicer through their website and no acknowledgement yet. But why should I have to jump through a bunch of hoops to get information that I am legally entitled to? The information that Mohela has furnished to the credit bureaus is what they are basing the default date on as well as the date of first delinquency. I also believe that my loans were transferred to Mohela in XXXX of XXXX. My XXXX credit report stated that my XXXX XXXX owned by the Department of Education were closed XXXX XXXX, XXXX. Under remarks it said, " Transfer ''. Then the Department of Education was listed as having them until XXXX after which it showed Mohela owned them until XX/XX/XXXX. Why would the Department of Education need to transfer loans to themselves? After I disputed these accounts, someone went back and changed my remarks from XXXX and removed the " Transfer '' comment and moved " Transfer '' over to all my accounts that were closed in XXXX of XXXX. Since this information came back as verified as correct, I would like to know what method of verification was used as is my consumer right under FCRA Section 611 ( a ) ( 7 ). XXXX verification is insufficient. How could Mohela have verified this information was accurate when the representative told me that all paperwork shipped out? All he could tell me was it was in default status. Also, who authorized someone to go back and make changes to my XXXX credit report from XXXX and XXXX? The only way I would be able to clear up when Mohela actually serviced my loans and payment history is if they send me the information I asked for. If I am no longer in their system, then how is it I was able to login to my account and ask for the payment history to begin with? Each agency sends me on a wild-goose chase to get it from someone else. The Department of Education won't give me a payment history either. I've asked everyone and no one will comply with my requests.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 66441
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted Mohela Department Of Education by letter a few months ago and asked for them to verify the information they posted on my credit report. They did not verify it, or even provide me with a signature. The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX, XXXX and XXXX and not reporting accurate information regarding account with MOHELA as current and open. The account is being reported as closed with MOHELA which is inaccurate information regarding the CRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Mohela/XXXX XXXX XXXX is reporting a late on my account. I have never been late on this account. At this time my account was in deferment. I did not realize this late was on my credit until I checked my credit file. This late on XX/XX/2016 is inaccurate and needs to be removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-30
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: After having a student loan for years with Mohella, and having many problems with Mohella reps, who I could not understand due to the language and professional barriers, I have been banned from calling Mohella. It is not my responsibility nor job to deal with unprofessional conduct, therefore I can not resolve my student loan issues. Additionally I have worked in a XXXX for over 20 years and it is my belief that this loan should have been totally forgiven. Additionally, I would respectfully request a full apology from Mohella when this is resolved. Respectfully, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80601
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Rating decision from the Veterans Administration dated XX/XX/XXXX showing that I was granted XXXX and XXXX disabled on XX/XX/XXXX. However between the 2 periods stated above I had a XXXX Loan coming due for my Parent Plus Loan for XXXX XXXX for XXXX College in ( VA ) and XXXX College in ( XXXX VA ). Keep in mind when I refinanced the XXXX Loan with XXXX XXXX I had no idea that I was being found XXXX and XXXX Disabled. One I found out I went to XXXX and asked for a discharge of the loan bases on the XXXX and XXXX decision. They told me that they would put me on a year forbearance while looking into the matter. Well not only did they charge me over {$4000.00} in interest, but they said I was denied due to my income which they never asked me for until after the year of forbearance, so they could had saved me money right off the bat with asking for income info! And they said that I am not XXXX. Well they do not know of any of my XXXX that are XXXX me at times and will continue to worsen the older I get. I am being penalized for not seeing in the past and that I would be awarded the Permanent and Total decision. I would had never refinanced with XXXX if I knew what XXXX would do for discharging the loans. This loan repayment will be a hardship.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX, XXXX closed in XX/XX/XXXX and my loans were transferred to Mohela. XXXX incorrectly reported my loans as delinquent for 90 days. These show twice on my credit report with all 3 agencies. XXXX is reporting delinquent XXXX-XXXX. XXXX is reporting my payments late XXXX-XXXX and states the date last paid was XX/XX/XXXX which is incorrect. XXXX is showing my loans late XXXX-XXXX which is also incorrect. I am attaching proof of my payment record : XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}. As soon as my loan transferred to Mohela, I made all my payments on time until I paid off the two loans in XXXX. I called XXXX in XX/XX/XXXX and they refused to give me my payment history and told me to contact Mohela. I kept getting the run around with them and spent hours on the phone before giving up. I did contact Mohela and they said they could do nothing because they were not reporting as late. I recently pulled my credit report and I noticed that XXXX is still reporting me as 90 days late, this shows twice on all 3 credit reports and is majorly impacting my ability to approved for a mortgage. I tried to call XXXX but since they are shut down, I called Mohela and spoke to a supervisor on XX/XX/XXXX and they said they could not help me because they were not reporting me as late. The supervisor suggested I submit a complaint though CFPB. During the transfer of my loan, my payment history and payment status was incorrectly reported. I made a payment on XX/XX/XXXX to XXXX and that got sent to Mohela so I was not late in XX/XX/XXXX either. After a lot of hard work, I successfully paid off all my federal loans with monthly payments between XXXX-XXXX. I never had a late payment with any of my servicers as shown with the 9 student loan accounts on my credit report. This is impacting my life and ability to finance a house and car.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34957
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Date XX/XX/XXXX - sent request to federal student lender Date attended XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX Loan is with Mohela XXXX - Acct # XXXX Loan Amount is {$15000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Mohela withdraws funds from student borrowers when they are not due. I raised this complaint in complaint number XXXX. Mohela intentionally misled the XXXX by responding that it has never automatically withdrew funds from me : " To date, MOHELA has not processed an automatic payment through your bank account ... '' See Mohela 's response dated XXXX XX/XX/XXXX and attached here. That is simply not true. On XX/XX/XXXX, Mohela withdrew the following sum. Note that {$580.00} went to principal. Clearly, this payment was not due. Mohela withdrew money that was not presently owed. When this practice was reported to the XXXX, Mohela intentionally misled the XXXX about its practices. XX/XX/XXXX {$590.00} {$580.00} {$9.00} {$0.00} N/A Details Bank Account : N/A Payment Source : Auto Pay Loan # Loan Type Amount Applied to Principal Applied to Interest Applied to Fees Bill Satisfied 1 XXXX-Refi 15 Year Term {$590.00} {$580.00} {$9.00} {$0.00} A more thorough investigation is in order as Mohela can not be trusted to accurately report it practices. These corrupt, unethical, and possibly illegal practices by student loan providers must cease.
Company Response: Company believes complaint is the result of an isolated error
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Called over the phone and made a payment with a LIVE representative and they continue to make collections calls even though they have debited the payment from my account!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55430
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A