....
I still personally do not believe I am completely responsible for this. I am still a legitimate member and will pay the loan back when it is due. I don't see why I have to incur the .08 interest in less than 12 hours of getting the loan

Yes as I wrote you in your personal email address , I've always changed the email, forum question & password but this time I "forgot" or maybe don't think it was necessary; now I've contacted Vod and grue I think he can remove the negative feedback (because there isn't a reason to not do it) and I also have contacted badbear and he replied :
Well, what I do know.
IPs during the incident, after the loan, were different (Tor).
moreia_alt's IPs do match moreia's.
Whoever is logged into moreia's account currently is also using Tor (odd).
I'll leave the speculating for others.