MOHELA – CFPB Complaint 2018-06-23

Date Received: 2018-06-23

Product: Federal student loan debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2018 Mohela XXXX XXXX XXXX XXXX, XXXX XXXX Re : Account number XXXX XXXX XXXX Dear Mohela, I am responding to your contact about a debt you are attempting to collect and to request you provide validation the debt is legitimate. You contacted me several times by phone, and dinged my credit 27 times even after I already told you its already paid ; to stop calling me, and only communicate by mail.

Please stop all communication with me and with this address about this debt.

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

If you have notified the credit reporting agencies of this debt you must notify them promptly that I have disputed the validity of this debt.

I have previously notified you in writing within the 30-day period and requested you cease collection of the debt, or any disputed portion thereof, until you can verify the debt and provide me, by first class mail. However, you failed to identify chain of title simply sent a copy of a statement. I need the following materials in accordance with but not limited to : UCC 9-406 ( 810 ilcs 9-406 ), 735 ILCS 5/2-403,735 ILCS 5/2-606.

All documents, including electronic records or images, which bear my signature and which concern the debt being collected ; A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; The name and address of the original creditor, if different from the collecting creditor ; and Copies of any assignments that explain how you acquired title to this debt.

See also  JPMORGAN CHASE & CO. - CFPB Complaint ID 2557208

Information regarding any discharges/set offs.

Information regarding : what numbers you used to call me at XXXX, frequency, and the call logs.

Thank you for your cooperation. Sincerely, XXXX XXXX

Company: MOHELA

State/Zip: IL 600XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2944249

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.