Consumer complaint received 2025-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: MOHELA
State: CA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, CA ) To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding a suspected fraudulent student loan and financial aid scheme involving XXXX XXXX XXXX, located in XXXX XXXX and formerly in XXXX, California. This complaint includes serious concerns regarding misuse of my personal information, unauthorized financial aid activity, bribery and kickbacks, retaliation, and other alarming misconduct by individuals associated with the institution. 

Below is a detailed account of the issues : 1. * * Fraudulent Enrollment and Financial Aid Practices * * I was told by XXXX XXXX, including instructor XXXX XXXX, that I was enrolled in a XXXX program. However, California law had changed prior to my attendance in XXXX. I never signed any enrollment contract or authorization for financial aid. Despite this, XXXX used my Social Security numberprovided only for identity verificationto process or attempt to process financial aid without my consent. When I questioned these inconsistencies and the unlawful absence of an enrollment agreement, I faced retaliation and was expelled after raising concerns with financial aid officer XXXX XXXX. 

2. * * Alleged Bribery, Kickbacks, and Concealment * * Multiple reliable sources informed me that owners XXXX and XXXX XXXX engaged in bribery and kickback arrangements to conceal fraudulent activity occurring within the school. These actions appear designed to avoid oversight, suppress student complaints, and continue misusing federal funds without detection. 

3. * * Delivery of Fraudulent Transfer Documents and Suspicious Activity * * I received fraudulent transfer papers from XXXX XXXX that were left in my mailbox, along with a check for {$1600.00} that I did not request and did not authorize. Shortly after receiving these documents, I discovered a dead cat placed in front of my car. Within days of these events, I was told that XXXX XXXX had faked his death, which raises serious concerns about attempts to intimidate, avoid accountability, or obstruct investigations. 

4. * * Possible Unauthorized or False Accounts Linked to My Identity * * During a separate inquiry on XX/XX/XXXX, a XXXX representative informed me that account names associated with my information did not match my identity. Combined with the schools misuse of my Social Security number, this raises concerns of broader identity fraud or unauthorized financial activity connected to XXXX XXXX XXXX or individuals associated with it. 

5. * * Closure of XXXX XXXX and Potential Evasion of Regulation * * The abrupt closure of the XXXX campus further suggests possible evasion of regulatory enforcement, improper handling of federal funds, and failure to provide students with mandated protections, refunds, or academic records. 

6. * * Harm to Students and Violations of Federal Law * * These actions appear to violate federal financial aid regulations, consumer protection laws, identity protection statutes, and multiple provisions relating to fraud, coercion, and misuse of federal education funds. Studentsincluding myselfmay have been left with false debts, incomplete education, or compromised personal information. 

Given the severity of these matters, I respectfully request that the CFPB : - Conduct a full investigation into XXXX XXXX XXXX, its owners XXXX and XXXX XXXX, financial aid officer XXXX XXXX, and any associated entities - Review any federal student aid or loan activity made in my name - Determine whether unauthorized, fraudulent, or falsified accounts were created using my identity - Share relevant findings with the U.S. Department of Education, state regulators, and law enforcement as appropriate - Assist in correcting or removing any fraudulent debt or financial activity linked to my personal information - Provide updates regarding the status and findings of this complaint I am prepared to supply further documentation, timelines, or testimony as needed to support your investigation. 

Thank you for your attention to this urgent matter and for your commitment to consumer protection and public safety. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX

Company response to consumer: Untimely response