Date Received: 2023-10-17
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Mohela placed my loans into administrative forbearance without my permission and I can not get answers as to when my first payment is due, how much I owe, when my request to be placed into the SAVE plan will be complete, and whether my payment can be lowered because I lost my job.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My servicer, MOHELA, has given contradictory and inconsistent information regarding my repayment terms and is unresponsive. On XX/XX/XXXX I submitted a request via studentaid.gov to have my income-based repayment recalculated in reflection of a reduction in my income, on which I asked for whichever payment plan had the lowest monthly payment. The FSA website estimated my monthly payment would be {$0.00} on the SAVE plan or approx. {$120.00} on the PAYE plan. On XX/XX/XXXX I received an electronic document ( dated XX/XX/XXXX but not received until XX/XX/XXXX ) stating my loans were placed on an administrative " processing forbearance '' from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I was notified my request for IBR recalculation placed me on a SAVE plan with a monthly payment well above my ability to afford ( approx. 22 % of my " discretionary income '' as calculated based on federal poverty designations, and roughly 20 % of my actual total monthly net income ) with a due date of XX/XX/XXXX, in contradiction of the processing forbearance previously stated. I could not contact MOHELA by phone as calls were dropped and unanswered. I submitted a message via MOHELA 's website on XX/XX/XXXX stating my belief the payment calculation was in error and requesting resolution/recalculation. This message has not been acknowledged or replied to as of XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 68510
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was recently informed that I did not have to recertify my IDR through Mohela from my pre-pandemic COVID pause recertification date XXXX Tax Year. Twice I was misinformed that I had to recertify. The first time I was misleadto recertify was in XXXX of XXXX when I was mislead to submit an XXXX update for the XXXX Tax Year. The second time I was misinformed that I had to recertify was over the phone when I was attempting to gain information on my student loan on XX/XX/XXXX. I was again mislead to submit and XXXX update for the XXXX Tax Year. I was unaware of the benefit set out by the Department of Education given to every borrower and am dishearted that I was mislead not once, but twice by this company. I should also benefit from the rules set about by the Department of Education as every other borrower in the same situation I am in does. I request my XXXX calculation be returned to it's pre-pandemic COVID pause state, utilizing the XXXX Tax Year data as I should not have been allowed to recertify until the XXXX date indicated by the department of education.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11735
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I suddenly received a statement stating that I owe money for a student loan from XXXX years ago. This is the first time I am hearing of this. I do not believe I owe this loan and I'd like to see original documentation showing that I applied for this loan. After calling and writing the lending company they insist I owe this loan without sending me proof. they just sent me a statement and a notice that if I do not pay, they will report me to the credit Breau. In XXXX years, I have not seen a statement for this loan and suddenly now they want me to pay a loan. I am XXXX XXXX XXXX and do not have any school loans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I initially applied for an income driven plan when I graduated from medical school in XXXX of XXXX. At that time, my loan servicer was XXXX XXXX, they approved my application for an income driven repayment plan. In XXXX, I was transferred to Mohela for public service loan forgiveness and continued management of my loans. When I initially logged into the site, there was no indication that I had been switched to a standard repayment plan. Given that I was mandatorily transferred to Mohela for PSLF, and had only filled out government documentation indicative of this I assumed this would be correct. In XXXX when I noted my bill for {$1000.00} instead of the {$0.00} I had been previously quoted ( I did not have a job in medical school and did not yet qualify for recertification ), I immediately reapplied for income driven repayment through FAFSA which they then chose to process but refused to bill me for in XXXX. Currently, they're charging me {$1000.00} for a month of their standard repayment plan which I did not request instead of the {$200.00} IDR loan amount. They stated its because my prior servicer did not transfer over my payment plan ; however, they never made me aware of this issue. And quite frankly, I was transferred to them for PSLF so it does not make sense why I would be on a standard repayment plan which does not qualify. This seems like fraud and them taking advantage of an opportunity to make money on one bill.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: I worked for a 501c3 company from XX/XX/XXXX to XXXX : The XXXX XXXX XXXX XXXX, federal XXXX : XXXX. The school has been closed for several years. You can XXXX IRS documents that this school should qualify for these dates for XXXX. This school is currently identified as ineligible for all dates, even for when it was open. I have tried to submit complaints about this to XXXX and they just close the ticket after XXXX business days.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have sent messages to Mohela XX/XX/XXXX and called ( they have a very high call volume ). I have uploaded in-school deferment information on XXXX and sent another message XX/XX/XXXX when I received an email that same day saying that deferment was denied on XXXX of my federal loans with balances of approx $ XXXX. I called on XXXX and a representative said she would have it corrected and would submit information but since that date, all I've received is an email that XXXX loans are denied deferment. I don't know why. I logged on to Studentaid.gov and see my enrollment information is correct. It says Faulker Law, 4 years, Law School. I don't know why Mohela has XXXX loans in repayment. I also submitted a complaint through XXXX. I do not currently work due to full-time school. Some of my loans are in In-School Deferment, some are in Deferment, and 2 are in repayment. Shouldn't they all be in In-School Deferment?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Submitted paperwork for PSLF on XX/XX/XXXX - never processed Submitted paperwork for PSLF on XX/XX/XXXX - never processed I can not reach a person due to excessive wait times. I just want to know what the status of my loan is so that I can prepare for repayment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I contacted Mohela regarding my student loan forgiveness for public service. I was told by a customer service representative that my paperwork was received but she has no other information on status. Its been over two months and my paperwork has not been available on their website. This situation sucks because we are now in repayment phase and Mohela has been dragging it feet in processing borrowers paperwork. I don't understand why the Education Dept. doesn't allow the loan servicer borrowers are assign to handle loan forgiveness.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Transferred to MOHELA from XXXX. Payment listed are incorrect and have not been able to get correction via phone or email. Transition to SAVE was not performed despite recertification attempts. payment due listed on FSA differs from payment listed on MOHELA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A