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Hello All,

I am still trying to deal with Mobiloans. I have already verified with my state department and the attorney generals office that they are not licensed or registered in the state where I reside, which is Ohio.

I have sent numerous e-mails to them, stating this fact. They deny that they are illegal because they are a tribal lender or as their return letter states "an arm of the tribe".

They did not respond to my e-mails, but rather sent me a letter stating that they would not refund me anything of my over payments. My principle total was $1500.00 and I received the loan in Sept of 2016.

I went back in my bank statements and just from January 2017 to August 2017, I had paid them a total of 1785.80. If I would have gone back to the original loan date, the total paid would be much higher.

I know that I am not going to get a refund back, however my issue is they are reporting the charge off to my credit reports and will not update my account as PIF.

They just keep sending the same response stating " Our records indicate your account is 61 days past due with a balance of $1927.14. Once accounts are 60 days past due, they will charge off and close."

What can I do? I paid back the original principle back and then some!

Thanks,
Nikki




Threaten to file a complaint with State Attorney General if they don't give you a refund and remove the listing from your credit report.

Sub: #1 posted on Mon, 10/23/2017 - 23:24

SC SC
Moderators
(Posts: 3937 | Credits: 397.45)

Ask them to remove the listing from the account. Uf the deny, then make a complaint against them.

Sub: #2 posted on Tue, 10/24/2017 - 00:21

sanderspatricia29 sanderspatricia29

(Posts: 713 | Credits: 73.21)

Send them a letter that you'll be filing a complaint if they don't initiate the refund process immediately and remove the listing from the account.

Sub: #3 posted on Wed, 10/25/2017 - 06:51

tiarajoseph11 tiarajoseph11

(Posts: 330 | Credits: 45.4)

Thank you for the responses! I have already let them know on numerous occasions that I would be filing complaints, they don't seem to care. One of the representatives told me that they would be suing me in their tribal courts to get a wage garnishment against me. Is this possible? They are located in Michigan and I am in Ohio, can they really sue me in tribal court and garnish my wages? Thanks guys!

Sub: #4 posted on Wed, 10/25/2017 - 07:01

Nikki Nikki

(Posts: 7 | Credits: 1.44)

They are trying to scare you. Stick to your decision and don't pay an extra penny.

Sub: #5 posted on Thu, 10/26/2017 - 06:14

sanderspatricia29 sanderspatricia29

(Posts: 713 | Credits: 73.21)

One of the representatives told me that they would be suing me in their tribal courts to get a wage garnishment against me. Is this possible?


No

Sub: #6 posted on Thu, 10/26/2017 - 21:09

SC SC
Moderators
(Posts: 3937 | Credits: 397.45)

Don't be scared. Just follow the steps we've suggested here, and do not pay a single penny.

Sub: #7 posted on Thu, 10/26/2017 - 23:55

tiarajoseph11 tiarajoseph11

(Posts: 330 | Credits: 45.4)

Do you mind sharing what your email said? I need to send them one as well!

Sub: #8 posted on Tue, 10/31/2017 - 09:42

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