Consumer complaint received 2025-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
My complaint : XXXX XXXX am est - I just got off of the phone with Mohela a few moments ago at the number ( XXXX ) XXXX. I had a missed call from this number, and from several other numbers recently. I was being harassed. At times, when I did answer calls, there was no response, no sound, no one speaking, and no one there. I finally called back the XXXX number above, and had to log out of my work system in order to do it, so I have lost wages as a result, and lots of stress from the harassment. Upon calling the number, I was put on hold, and then a person answered. I recorded the entire call. On XX/XX/year>, I paid early and extra. I was not due to pay until XXXX XXXX, XXXX. My early payment was {$500.00}, but all that was required of me was {$300.00}. I asked why they keep calling me and harassing me. The representatives says quote, " I see a lot of calls have been made to you. '' So she first admits that they have been harassing me with lots of calls. Then I ask her to verify the terms of my repayment plan, as well as their records of my payment history. She admits that I have paid early, and that I have paid extra, and that I should not be receiving any calls from them. Then she breaks the law, and lies to me, and tell me that I am not allowed to pay early or extra. She repeats this several times during the call. I tell her that is completely illegal. That all students are allowed to pay early and pay extra, and that is way to help reduce their over all costs accruing due to compounding interest. She continues to insist that I can not do that, and even threatens that if I continue to do that, that I will be removed from my payment plan, which would cause me extra harm. I inform her that while I have been a victim of their dishonest and illegal advice in the past, that I know my rights, and that all of her advice is completely illegal. She interrupts me repeatedly throughout the call, and is rude and disrespectful. By the end of the call, I'm very frustrated to say the least. MohelaXXXX knows that I have complained about them repeatedly breaking laws. How is it, that they are so brazen, so powerful, so unafraid of being held accountable, that even when they speak to me, someone who has complained about them before, they have absolutely no fear in continuing to break the law during their communications with me? I can only fathom they are treating ALL other students the same exact way. Their tactice harm students financially, and maximize cumulative compound interest for their company. Please hold them accountable. Please! If you are a student out there, or past student, or borrower, please record every call you have with these people. Report it using the CFPB website. There is power in numbers. At some point Mohela / XXXX / XXXX will eventually be held accountable for every single horrible, dishonest, and corrupt thing they do to our great citizens of the United States. I tried to upload my recorded call, but you system says the upload failed because it exceeds XXXX. You can obtain the recorded call from the lender, and then send me instructions by email how to send you my file if you'd like. I'm happy to provide it. But, the CFPB website is not capable of handling the file size.

Company response to consumer: Closed with explanation