Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My student loans were transferred to Mohela from XXXX as part of my public service loan forgiveness. The loans were successfully transferred but upon transfer resulted in duplicate reports on my credit report. The same loans appear on my credit report for both XXXX and Mohela. Essentially doubling the debt owed. Dispute was opened with XXXX but was not settled satisfactorily. XXXX account shows balance as XXXX however they continue to report the prior balance to the credit bureaus. Loans have long been transferred to Mohela and forgiven and still appear. Dispute did not result in accurate reporting. XXXX was provided statement showing XXXX balance and dept of education statement reflecting XXXX. XXXX provided outdated information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: I submitted Feedback Case # XXXX on XX/XX/XXXX to FSA regarding incorrect counts towards PSLF. I have been employed at nonprofits since XX/XX/XXXX which all has been certified to FSA and Mohela. It seems that the months of XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX are missing in my counts. My loans are currently serviced by Mohela due to PSLF and they are in administrative forbearance forced by them and they claim they didn't receive my change in income documentation that was submitted to FSA when I applied for an IDR plan, which I have resubmitted. I do understand that they are extremely busy with loans going back into repayment after the pause, but it is stressful. I have attached all of the employment certifications.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: They keep lying about the status of my student loans. I qualify but they are retaliating because I went to the XXXX Court Building and explained the litigation earlier in the year.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: In XXXX, I paid my student loans in full through XXXX XXXX using Public Service Loan Forgiveness. I taught in Title I public schools for five years to be eligible. I have e-mails to that effect. XXXX XXXX no longer exists. Early this year ( XXXX ), I began receiving communications from MOHELA that my loan payments would soon resume. I attempted to contact them several times to inform them of their error, with no response. XX/XX/XXXX, I received a bill for {$57.00}, against a total amount of {$1600.00}. I again attempted to contact the company, and they were unable to locate any information regarding my debt. I reported their actions to the XXXX XXXX XXXX and took steps to contact a lawyer to defend myself from their fraudulent claims. Today, XX/XX/XXXX, I received another bill from them for {$57.00} and the " past due '' amount ( {$110.00} total. ) I also received notice from the XXXX XXXX XXXX that they claim to have contacted me about the matter and I am still not content with the resolution. They never contacted me, unless they consider a fraudulent bill an attempt to resolve the issue. If the company makes no attempt to contact me in earnest and I am unable to retain a lawyer in my area to handle the matter, my next steps will be to contact my state Attorney General and Senators.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: According to studentaid.gov, the application I submitted recertifying my income for the XXXX repayment plan on XX/XX/XXXX, is in review. Yes, you read that correctly. A request from XX/XX/XXXX, is purportedly in review. Documentation is attached. This request was submitted to my former loan servicer, XXXX XXXX, XXXX to studentaid.gov. I frankly do not see how this can be. XXXX processed this XX/XX/XXXX, request on or about XX/XX/XXXX. Documentation is attached. XXXX ceased being my loan servicer as of XX/XX/XXXX. My loans were transferred to MOHELA at that time. I called XXXX XXXX XXXX to inquire why my request from XXXX is supposedly in review. A representative informed me that only MOHELA can close the case. Yet, MOHELA told me that it can not access the request. I have since switched to the XXXX repayment plan. Documentation is attached. My XX/XX/XXXX, recertification does not need to be in review. Rather, this matter needs to be closed as it has long since been resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 25801
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was under the Public Student Loan Forgiveness Program with FedLoan Servicing. They have lost their contract with the US dept of Ed. They no longer exist. I made a payment to them on XX/XX/23 for the amount of {$190.00}. I need them to return my payment as they no longer exist. I have to now send that payment to XXXX. The address it was paid to is FedLoan Servicing Payee address XXXX XXXX XXXX XXXX, GA XXXX Payment was made via my online pay banking services.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XX/XX/23, Mohela sent me a letter which stated that in light of my recent Public Service Loan Forgiveness certification, I had been placed in an administrative forbearance until XX/XX/23. I operated in reliance on that letter. Well over a month before that forbearance period had ended, Mohela sent me a notice that I have a past due payment and now owe {$730.00}. I have requested that Mohela take immediate action to rectify this erroneous billing practice and to ensure that my credit has not been negatively impacted. It is unacceptable that payments were assessed during a Department-mandated forbearance period which are now being characterized as overdue and potentially impacting my credit. This strikes me an attempt to intimidate borrowers into making payments to which Mohela is not legally entitled ( due to the forbearance ordered by the Department ). In my view, this billing practice constitutes fraud on the part of the servicer, which warrants legal action. I suspect that this practice is being used on a systemic level against all PSLF applicants. The Bureau must take action to address this and to ensure that Mohela is not engaging in fraudulent billing practices as it relates to PSLF applicants.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37206
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: On XX/XX/, I waited on hold for 77mins to speak with a customer service representative from Mohela . I had concerns regarding the status of my XXXX application as well as questions regarding bill correspondence I received on 2 separate occasions. First bill from Mohela dated XX/XX/, stated my bill would be {$98.00}, due on XX/XX/. The second bill from Mohela dated XXXX. Stated my bill would be {$190.00}, due on XXXX When I finally spoke with the Mohela representative, he did not have a explanation for the discrepancies with the two bills, nor did he have information regarding a realistic timeline as to when my XXXX application and payment counts will be concluded. I feel like Mohela is purposely misleading consumers on the time it takes to count payments towards loan forgiveness. And that they discourage consumer concerns by have ridiculously long wait times to speak with a live representative.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/23, I received an email from Mohela saying that they processed a forebearance that I did not request. I called to have it removed and they said the issue was fixed. I received another email about a forebearance being processed on XX/XX/23 that I missed somehow. I have been waiting for an email from Mohela about billing for this month since I knew payments were restarting, and I am on auto-pay. There is nothing in my account to indicate I am even in forebearance, as I logged into my account in XXXX to make sure my bill would auto-pay! So, not having seen a bill, I searched my email history to see if I just missed the bill notice and saw the email from XXXX about yet another forebearance I did not request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20853
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX Mohela auto-deducted a payment of {$580.00}. This is much higher than I was expecting. I am on the XXXX plan and I believe this payment is incorrect. It is hundreds of dollars higher than the FSA Loan Simulator estimated. Further, my account on the Mohela site lists a " tier XXXX '' payment of this amount for XXXX XXXX XXXX but then a " tier XXXX '' payment in the amount of {$230.00} starting in XX/XX/XXXX. There is no explanation of what these " tiers '' are, how these payments were calculated, or why my payment amount on each tier is so different. FSA and Studentaid.gov have no information about " tiers. '' I messaged Mohela on XX/XX/XXXX to inquire about these questions and received an auto-generated reply saying that I would get a response within three business days. I never received that response. On XX/XX/XXXX, Mohela again deducted a payment of {$580.00}, which I continue to believe is too high, based on the FSA Loan Simulator estimate and my own XXXX plan calculations. I tried calling but had to give up because the wait time was long and I had to go to work.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A