Consumer complaint received 2024-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: SC

Complaint narrative:
I am writing to file a formal complaint against MOHELA regarding ongoing harassment and a violation of my privacy by their representatives, specifically XXXX XXXX and XXXX XXXX. 

Summary of Issue : Despite my repeated requests for them to stop contacting third parties who are not cosigners on my loan account, including my employer, MOHELA continues to make these unauthorized communications. I have made it clear multiple times that I am not able to make payments on my student loan at this time due to my current educational pursuits ( I am working on my XXXX XXXX XXXX  ), and yet their representatives continue to insist that these calls will only stop if I make a payment. This is causing undue stress and is a violation of my rights. 

Details of the Issue : Harassment and Unauthorized Contact with My Employer : I have repeatedly requested that MOHELA cease all communication with my employer and any other individuals who are not cosigners on my loan. Despite this, XXXX XXXX, a representative of the company, has continued to contact my employer regarding my loan. These calls are completely unnecessary and are causing disruption to both my work and personal life. The company has not provided a clear justification for contacting my employer, and this behavior is a clear violation of my privacy rights. 

Unwanted Discussion of Repayment Options by XXXX XXXX : I have also communicated multiple times to XXXX XXXX, another representative from MOHELA, that I am currently working on my XXXX and that I will not be able to make any payments until I graduate. Despite this clear information, she has continued to contact me, insisting that the calls will only stop if I begin making payments. Her continued insistence on discussing repayment options while disregarding my current financial and academic situation is not only unhelpful but has become a source of constant stress and harassment. 

Inconsistent Information and Lack of Resolution : At the outset of my communication with MOHELA, I was told that the company only contacts cosigners and references regarding my loan. However, I have since been told that they have the ability to stop calling non-cosigners, contradicting the initial information I was provided. This inconsistency has left me confused and frustrated, as it further demonstrates a lack of transparency and respect for my privacy. 

Violations of My Rights : I believe that MOHELA is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment and unreasonable communication practices, including : Contacting third parties ( like my employer ) without my consent or a valid reason. 
Continuing to contact me after Ive made clear that I can not make payments at this time due to my educational circumstances. 
Failure to respect my request to cease communication with non-cosigners, including my employer and family and friends. 

Request for Resolution : I am requesting that the CFPB investigate the following : That XXXX XXXX immediately cease all communication with my employer and any other non-cosigners. 
That XXXX XXXX stop contacting me regarding repayment options until I am in a position to make payments after my graduation. 
That MOHELA provide me with clear and consistent information regarding their communication policies moving forward. 
An assurance that my privacy and rights will be respected in accordance with the law. 
If this matter is not resolved promptly, I am prepared to take further legal action for harassment and violation of my rights under the FDCPA. 

I trust that the CFPB will look into this matter and ensure that MOHELA is held accountable for its actions. Thank you for your time and attention to this issue. I look forward to your response and hope that this matter can be resolved as soon as possible.

Company response to consumer: Closed with explanation