Date Received: 2023-11-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Mohela is reporting inaccurate loan balance on my credit reports. They are reporting that I have a balance of {$150000.00} and that is inaccurate. The balance for that individual account should be {$15000.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 604XX
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: Trouble with how payments are being handled
Consumer Complaint: I paid my 120th payment on XX/XX/XXXX. I submitted my PSLF employment certification and applied for forgiveness on XX/XX/XXXX. Mohela still has this document as " processing. '' Now it is XX/XX/XXXX, and I have tried contacting Mohela in every way possible to make sure that the servicer has my PSLF application. My fear is that Mohela is going to demand XXXX payment, while they should place my account on hold while my PSLF application is being reviewed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
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: I set up an account with MOHELA and paid the past due balance online on XXXX. I called MOHELA on XXXX to discuss this and they left me on hold for an hour and 13 minutes with no answer. When I set up my account to make a payment, they had an old address and phone number listed for me, which I don't know how that happened since the prior servicer, XXXX. has my current contact information and I haven't lived at the old address since I moved in XXXX of XXXX. MOHELA claimed in an email that I had asked for paperless billing, which I never did. Their poor customer service resulted in me missing my XXXX payment. I feel like their ineptitude has now jeopardized the Public Service Loan Forgiveness that I had been notified in XXXX that my application had been received by the government. I work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I deserve this loan forgiveness. I also don't believe I should have had to make any payments to MOHELA, but when they don't mailed me timely billing statements or answer their customer service phone line, it's impossible to resolve with them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92841
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: Trouble with how payments are being handled
Consumer Complaint: I have called numerous times from XX/XX/23 - XX/XX/23 and never been connected with an agent at MOHELA. I have left call back numbers and never been contacted. I have sent emails and also never been contacted. My initial payment was incorrect ( I paid ) and then my account was placed in forbearance without contacting me. I then was approved for a XXXX XXXX ( XXXX ). However, my current monthly payment is still incorrect.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SD
Zip: 57104
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
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: I have asked for administrative forbearance to be removed from my account as the months in forbearance do not count toward XXXX. I did not ask for this forbearance. Their timeline for forbearance removal was XXXX days and it has been over XXXX weeks since my request. I do not want any further months of non payments and to delay my loan forgiveness and want my forbearance to be lifted immediately. Please force this servicer to remove the forbearance as requested in a timely manner so that I can continue to make progress toward loan forgiveness. Their incompetence is interfering with my XXXX timeline. Thanks for your time and assistance with this! XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98177
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Struggling to repay your loan
Subissue: Problem with your payment plan
Consumer Complaint: I have had nothing but trouble since having MOHELA as my loan servicer. I applied for PSLF in XX/XX/XXXX. My employer was never certified, and to this day no payment counts have been updated. I attempted to discuss these issues many times with MOHELA and was always given the same response to " just be patient and not worry. '' Well, a year later nothing has been updated and nothing has changed. I have since left my employment with XXXX XXXX to care for my children, however, I should have a year 's worth of service calculated. I do not. MOHELA failed to correct these problems, gave poor advice, and did not care that I was trying to find a way to pay off my student loans. My current student loan balance is exceptional. It is {$380000.00}. I am enrolled in an income-driven repayment plan which makes my payments {$0.00} due to family size. Clearly, I am never going to pay this loan off in my lifetime, however, I am unable to file bankruptcy or find another way to lessen the burden. The loan will haunt me forever. I have worked so incredibly hard to rebuild my life from a very low place 10 years ago, and I continue to hit brick walls set up by the system. There is no relief, there is no future. I have XXXX children. I have thought about ending my life many times simply to be free from this debt, but my children keep me alive, and I am blessed that they are in my life. The income driven repayment plan is helpful, making the payment {$0.00} a month. Even with current credit, however, I can not get a loan because of the amount of debt I carry. It is a pointless consolation for people in my situation. This brings me to the most recent error on MOHELA 's part. My statement on XX/XX/XXXX had my payment amount at {$0.00}. The statement on XX/XX/XXXX has my payment listed as {$4200.00}. I have read other people saying they had been approved for a {$0.00} repayment amount and got a bill for {$300.00}. Try getting one for over {$4000.00}. It is insulting, it is unethical, and I am tired of trying to get answers from this loan servicer. I am tired of fighting a losing battle against an opponent so large it can not lose. I simply want to be free from my debt and no longer have to endure the anguish of trying to make this right.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SD
Zip: 573XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am applied for a mortgage for a townhouse. The underwriters wouldn't accept Mohelas loan/mortgage verification letter for the SAVE plan I was on because it said " Next Tier Payment XX/XX/XXXX '' was {$860.00}. This is the standard 10 year repayment amount. The underwriters suggested I switch to standard level or graduated plan and request new letter. I did this on XX/XX/XXXX and was quoted 5-7 business days for processing. After that time passed, I called Mohela again and after hours on hold was told they " XXXX it overnight due to special circumstance ''. This never occured. I called back and was told " It might be three weeks ''. I called back and was told " Oh no, its 30-45 day minimum to change a plan ''. I have been conflicting, incorrect information on multiiple occasions and I will most likely lose out on the home and am in danger of losing my earnest money deposit. They did generate a " repayment estimate '' document but the lender will not accept it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: Good evening : Since XXXX of XXXX I have requested Mohela to update my PSLF status, which I believed would have allowed my accounts to have been discharged under several Board Of Education forgiveness policies from the Biden Administration. When I submitted my PSLF certification on XX/XX/XXXX and received a letter on XX/XX/XXXX that they were my servicer, I addressed XXXX & XXXX had not been qualified by Mohela for PSLF and I continued to request the correction for 2 years. In XX/XX/XXXX ; I was told they couldn't qualify the employer although it was the same employer since XXXX. Remind you, payments resume the following month in XXXX and if Mohela didnt make the PSLF corrections-the current balance will be incorrect and my payments will be high. In XX/XX/XXXX, My spouse and I submitted our IDR ( SAVE ) application. My spouse gave his income and I have no income as of XX/XX/XXXX, due to unemployment from multiple surgeries caused by COVID 19. After submitting our application we both get placed on Administrative Forbearance in XX/XX/XXXX when my payment of {$900.00} is due XX/XX/XXXX and his {$1100.00} on XX/XX/XXXX. On XXXX I receive a notice, " unable to grant our request ... ... ... .based on the reduction in your family size and/or an increase in income your payments will increase. This was not true. We reported the opposite of an increase in family size and decrease in income. They made an error. We called Mohela for the 4th time and talked to an advance representative and we shared everything again about my XXXX, our PSLF status not updated and my IDR being corrected. In conclusion, as of XX/XX/XXXX my account remains in forbearance, my PSLF for XXXX to XXXX finally got qualified but my ACCOUNT BALANCE is not recalculated from qualifying my employment for the PSLF and my IDR is still in processing mode. On the other hand, this doesn't make sense when my spouse IDR has been APPROVED to a lower amount of {$750.00} -starting XXXX XXXX they haven't recalculated his balance based on the 14 PSLF that have been certify by Student Aid on XX/XX/XXXX, but they choose to keep those 14 payments in processing mode. ***Mohela is corrupt and need to be replaced with another agency. Mohela is putting people in Administrative Forbearance, delaying approvals, not qualifying employers that have been certified by Student Aid and not recalculating account balances that will render lower payments for their borrowers. ****
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
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: Don't agree with the fees charged
Consumer Complaint: I was enrolled in the XXXX plan with my first payment planned for XXXX. Mohela in mid XXXX put me on administrative forbearance for no reason, and I called and they could not tell me why. I asked them to remove it so I could benefit from the XXXX plan and they said they had done so, but it takes a couple days to go through. They also stated that if was delayed going through, to just make my monthly payment and interest would not accrue. 12 days later, I am still in admin forbearance and they charged me {$1500.00} of interest. This number would be {$0.00} if the XXXX plan were applied like it was supposed to be. I am a borrower who is not working toward forgiveness, but to pay off my loan in full. This one month mistake could cost me tens of thousands of dollars over the life of this loan if not corrected. Their business is either a scam or they are completely incompetent. Either way, borrowers such as my self are bearing the brunt of this injustice and it needs to be resolved. Thank you for your help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46077
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My husband has been paying on our XXXX XXXX loans via Mohela and they have not posted. Yet, interest continues to accrue. We were put on administrative forbearance and yet interest continues to accrue and was told it wouldn't due to Mohela 's error in sending out statements. . We also applied for the XXXX XXXX in XX/XX/2023 and it is still processing. Incredibly long wait times on phone waiting for customer service at Mohela. Email responses to questions are " canned '' and do not answer my questions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A