On XXXX I got a negative reporting against my credit bureau which caused my score to drop 51pounts, I called Mohela to discuss this matter they advised me I had a past due payment of {$24.00} plus change that I never once knew about, I explained that I was on forbearance and when it was time to resubmit a application by the deadline of XX/XX/2017 I did everything I was told to do and had proof that I did and mohela never once contacted me again til several months through mail that if I dont submit the documents that i was going to be reported to the credit bureau by this time it has been months later I was so upset that the rep told me that they couldnt locate my docs and didnt know why no one called me sooner, he did not cared that I had proof that my fax through my employer was successful and told me to download the docs I was so upset that I was being threaten to negatively report it on my credit bureau, how was I suppose to know that my docs was lost but they had some docs, the rep asked me if I had an online account i advised no why would i, he stated he would create one for me while in the phone with me and provided me with a password to go on and all i had to do was download my documents that's all and assure me it be fast and guarantee to receive it as if it was my fault that they lost my docs several months prior I said I will download the docs and asked to please call me back to let me know if there was any issues the rep never called me I had to call in and found out that mohela still didnt get my docs this is ridiculous from XXXX all the way to XXXX or XXXX I was so angry I cant recall if I ended up mailing it at this point, far as i know this was done, I recieved a statement from mohela XXXX due and that was the last time I got anything written correspondence from mohela. I never received notifications of the status of my application I didnt even know I had monthly payments of {$24.00}. And to come to find out the rep that created the account for me opt me into paperless in XXXX, did he do that purposely because I was angry with him I was punished because I was upset about them losing my docs and threatening me to hurt my credit, the rep on XXXX told me and confirmed I have always recieved communication thru mail til recently the person that created my account opt me out, I'm so beyond upset this has caused me damage to my credit by 51 points unfair and fruad and dont intentionally against me, I wasnt notified not once through mail the rep said they called several time to an old number and old email which I updated I feel I was treated poorly purposely all because I was complaining that your company dare to threaten me with ruining my credit due to negligence with my documents, I want the 90 days past due removed immediately or I will take this matter to the attorney 's general and seek legal assistance through my employer ... this was an unlawfully action done against me.i was promised by a supervisor a callback and have a manager review this matter. And I never got a call back. After explaining the unethical history and fraud committed against me which caused me not to get correspondences from there office I have no problem paying {$24.00} I truly didnt know and their employee opt me out which causes all of this mess.