Consumer complaint received 2024-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/XXXX I called XXXX  to get the school misconduct discharge letter because my school was apart of the class action lawsuit XXXX XXXX XXXX 
My federal student loans were discharged from the department of education for the loans that were for my attendence at the XXXX XXXX XXXX XXXX. When I initially called XXXX  the customer service became rude and stated there wasn't an application for my current loans. Which I tried to explain that there was one but they became hostile and I had to hang up the phone. I filed a complaint at the CFPB because XXXX  was refusing to provide me the application. I submitted the application and got another call from XXXX in XXXX regarding my loans. I explained that I had already sent them the misconduct letter and a cease and desist letter and the customer service rep like the last became very rude and hostile towards me after I explained I had already sent the application and by Texas law they have to stop calling me. They proceeded to tell me ther was no such law which was a lie. I hung up the phone with them and now XXXX is saying after reviewing my application that I am not eligible but yet stated in the complaint I filed that my loans were eligible so they sent me the application. My student loans were taken out during the years I was attending the XXXX XXXX XXXX XXXXXXXX and they used illegal tactics to get me to sign for my loans. They stated I needed more money despite me having federal loans already. They stated I needed to have it submitted so that I could keep attending my classes. On top of that I had promised of a job in my field upon completion of my degree along with help finding a job. The XXXX XXXX XXXX  XXXX didn't do any of that. They lied about how easy it was to get into the field and they also used outdated software that the industry didn't use and I didn't find out about this till after I graduated. The school lied about how much tuition would cost and about classes from my previous college transferring over. Upon enrolling I found out that classes couldn't transfer because of the name despite them being the same class. I am still struggling to pay my loans and have had to do XXXX special program that just raised the interest of my loans and supposedly lowered the payments. XXXX took my income information and despite me having a negative the payments continued to rise until they were over {$200.00} a month. They purposely didnt tell me about the misconduct application like they should have since they were in a law suit for the same reasons as the XXXX XXXX XXXX XXXX . Instead they told me my only option was to get on a 6 month payment plan. None of the reps mentioned other options nor that since I attended the art institute my loans would be eligible. Now XXXX  is saying that I'm not eligible. My loans that they have are for the XXXX  XXXX XXXX XXXXXXXX for the attendence year XXXX. I attended the art institute XXXX and they defrauded me and now Navient is trying to defraud me by not properly looking at my loans. Not only that they have called me everyday 4+ times a day from XXXX till I sent them a cease and desist letter but the calls did not stop. I calls from multiple numbers all from XXXX  7 days a week everyday. The only time they stopped was after I mentioned the cease and desist letter I had sent them and the agent became rude saying Texas has no such law and they do. They still proceeded to call me despite me sending the letter.

Company response to consumer: Closed with explanation