Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA
State: NY

Complaint narrative:
MOHELA has continued to disrupt, harm, and leave student loan borrowers in states of disarray due to their complete and utter incompetence and malice in the handling of student loan debts. I have personally had my limits and patience met by this company and their foul business practices. I, like so many others, have continued to report MOHELA to the XXXX, XXXX, FTC, the Attorney General 's Office, and several other organizations for their misconduct, blatant disregard for consumers, and irreparable damages that they've caused. 

MOHELA has misreported my loan amounts, the quantity of my loans, my loan payment amounts, the types of loans I have, they have taken months at a time to try and repair my credit score after tanking it in one day with their misreporting, they have reported, then unreported and then rereported loans improperly causing my credit score to fluctuate in ways it never should, and the list of infractions continues to go on and on and on. I have spent hours at this point trying to call them, reporting them and filing disputes, waiting on disputes that never get resolved, and am at my absolute wits end with this whole convoluted and intentionally misleading process. When asking about my PSLF paperwork I sent them for the several educational and not-for-profit institutions I worked for and with, I've received no information on why it was denied, why some were accepted and why others weren't, how and why that paperwork got lost in transitioning to another loaning service... it's an absolute nightmare and is wrong on so many different levels. 

Just today I woke up to find that my federal student loan amounts, reported and recorded under MOHELA, were no longer showing up on my credit report. This has now led me to believe that I'm about to go through this whole emotionally taxing rolling coaster yet again with them, of trying to fix my credit score and credit report. Will they even properly file them again this time around? Will they misreport like they have in times past and cause me another huge inconvenience and hours of stress like they did last time? Since credit line and length of time on loans affects credit scores, why are they rereporting loans and stating their new when they're not? It's just an absolute mess and I have no faith whatsoever in this company to do right on anything, anymore. I have reported to my therapist thoughts of suicide ideation and XXXX related to the stress and utter failings on behalf of this company. I simply have fallen victim to a lending and profiteering scam at this point and wish I had never gone to college or achieved the degrees that I worked so hard for. 

The amount of disgust, disdain, and distrust in this company that I have is unmatched by any other experience I've had with the loaning industry. This company has and continues to cause financial damages to student loan borrowers and I would like to see them held accountable for their mismanagement of the federal student loans in this country. I would like to see my loans forgiven in total, as the amount of indefensible harm and stress that this company has caused me, is criminal at this point. The continued miscommunications, financial damages, intentionally misleading and misguided approaches of lending for student borrowers, and the absolute lack of care MOHELA has demonstrated should be reasons enough for them to be held liable in court ( yet again ). I truly hope some resolution can come of this because I know that I am not the only one who is suffering at the hands of this unjust and inhumane treatment from MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation