Date Received: 2023-10-15
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have called MOHELA Several times and was not able to speak with anyone from the Loan Servicer the recording indicates there call volume is extremely high and is unable to take any calls at this time, I have been trying to confirm if they received my PSFL paperwork from my employer who is non-Profit for Public Student Loan Forgiveness. I have worked for almost XXXX. The recording for MOHELA indicates they have a high call volume and is unable to answer your call the wait time is XXXX XXXX and XXXX XXXX however that does not help when you are trying to speak with some-one about loans and no one is available, which is unacceptable.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a copy of the letter dated XX/XX/XXXX stating : " Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with MOHELA in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number o payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/XXXX. '' The letter also stated, " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' I checked with credit reporting agencies and found it had not been updated in XXXX. I called and spoke to a rep and requested that it be updated as the letter they sent stated that it would be. I checked again in XXXX and it still has not been updated. I have submitted disputes with the credit reporting agencies but they are also waiting on correspondence form MOHELA to verify the dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account number XXXX This a complaint against Moehla Department of Education. This agency is been trying to make business with me. On XXXX XXXX with tracking number XXXX delivered on the XXXX requesting to cease and desist this account due to insufficient information requested. After requesting to delete and to cease and desist this account, Moehla is still trying again to make business with me. I sent out another letter on XXXX XXXX with tracking number XXXX to cease and desist this account with my fee schedule. Once again Mohela Department of Education failed and wrote me an other mail. This an harassment towards me, and identity theft. 15USC1681q you are obtaining my information under false pretenses. 18usc1028 fraud and related activity in connection with identification documents authentication feature and information. I requested Moehla to eradicate anything related to my identity such ssn, dob, name, taxpayer identification number, driver license, address or transfer of a document by electronic, this department failed and retained my information. Delete my information anything what what issued by the government belongs to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/XXXX To whom it may concern, I am currently enrolled in Public Service Loan Forgiveness program offered by the US dpt of Education. I have been working as a XXXX part time employee at XXXX XXXX since XX/XX/XXXX and also a XXXX part time employee at XXXX XXXX XXXX XXXX since XX/XX/XXXX in order to be qualified as a full time employee according to PSLF application up until the recent PSLF changes. Both my employers are non-profit organizations and I am still working at the same facilities. The reason why I am writing to you is to file a complaint against MOHELA and to request help from your organization. My employment status for the month of XX/XX/XXXX is not being counted as an eligible payment for no valid reason. I have made numerous phone calls to MOHELA and spoken to many different representatives this year. I also have been sending them many emails along with documents showing proof of my employment, requesting correction. My first PSLF employment certificate for this year was sent on XX/XX/XXXX. Since then, I had to resend the PSLF employment certification forms on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as requested by MOHELA. Each time I contacted MOHELA about this issue of this year, they requested that I wait for XXXX, XXXX, and even XXXX days for them to re- process/review my employment certificates. This has been going on since XXXXXXXX XXXX XXXXXXXX, and it is now XX/XX/XXXX. So far, nothing has been corrected. I have been employed at the same hospitals since XXXX and XXXX. Nothing has changed with my employment status. Yet, MOHELA decided to not count my XX/XX/XXXX payment towards PSLF and has been ignoring my request to review. I would like to formally file a complaint against MOHELA and am asking for your help to rectify this ongoing issue with MOHELA. Please do not hesitate to contact me if you have any questions regarding this issue. Sincerely,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I received a letter from MOHELA stating that the Biden Administration paid off my stiudent loan in full. I decided to check my credit report 30 days later on XX/XX/XXXX with XXXX. The balance of {$36000.00} had not changed. I filed a dispute on XX/XX/XXXX, but when investigated, nothing changed. I then tried to see if my XXXX or XXXX account balances had changed- they did not. I filed a dispute with XXXX on XX/XX/XXXX, the report came back with the baance not changed. I filed another dispute on XX/XX/XXXX, but still nothing had changed. Keep in mind, I attached the PAID IN FULL letter from MOHELA each time. On XX/XX/XXXX, I filed a dispute with XXXX, but the results of the investigation were the same - no change in the balance. I am at the END of my rope. What can a consumer do when credit bureaus refuse to update? I have also contacted MOHELA by phone on XX/XX/XXXX, XXXX and XX/XX/XXXX -- and they claim they are sending the updated information to the bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01605
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/14 a payment of {$420.00} was taken from my account unbeknownst to me, XXXX had scheduled a payment from me that was half of my paycheck. They completely ignored my pending applications for XXXX and XXXX programs. I never authorized the amount they took. I was never informed of the amount. I received letters that my serviced had changed, but that was all.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84058
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I logged into my email this morning and saw that I was put into " Administrative Forbearance ''. After signing in and being the documentation, even though I am on the SAVE plan, the document shows that I will be responsible for the interest accrued. I didn't ask for a forbearance and under the SAVE plan interest is supposed to be waived. Not sure what is going on, but I just aXX/XX/XXXXXX/XX/XXXXchannel with many people saying the same thing happened to them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46322
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: Mohela processed my PSLF application and forgave a large portion of the loans, but not the final amounts {$2600.00} and {$2400.00}. They finally sent me a letter on XX/XX/XXXXXXXX stating that I had met all requirements of the PSLF program and the loans would be forgiven, but those final two amounts still have not been forgiven. I emailed them on XX/XX/XXXXXXXX about why the loans were still not fully discharged and they told me that even though I had made 174 payments and only 120 were required, they still hadn't completed their review and I would need to allow the review to complete as more months might be added ( even though I had already made 54 more qualifying payment than were required for forgiveness ). I contacted them again about the same issue on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On the last two emails I mentioned that the loans were showing in repayment status even though they were supposed to be forgiven. They did not reply. I now have a bill for {$300.00} due on XX/XX/XXXXXXXX for loans that are supposed to be forgiven. Also, when I originally applied for PSLF, I checked the box on the form that stated I believed I had made enough payments to qualify and wanted my loans to be in forbearance until the PSLF review had completed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: My loans are being serviced through Mohela. According to the agreement I have with them, I have XXXX general forebearance days to use. My loans became due on XXXX and I applied for forebearance on XXXX. I asked for 365 days of forebearance as I can not pay. I do not have the money to make the payments. In the past it took a few days. I got a letter that said it can take up to 90 days and I must pay the bills as they are due. Each bill is {$1300.00}. I can not pay that. They are not processing my application, unfairly, and I am concerned this will affect my credit. Conclusion : Mohela has not processed my request for forebearance and is saying I have to pay {$1300.00} per month, which is impossible. Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have a XXXX which makes me very prone to XXXX XXXX. As a result, every so often, I have to drop classes very early in the semester. When this happens the school has to manually fax the loan servicers with records of my school status because it's too early for the clearing house. Normally there isn't a problem because, per XXXX : " If you reenroll in school at least half-time before the end of your grace period, you will receive the full six-month grace period when you stop attending school or drop below half-time enrollment. '' The rule is that any time I fall below half-time ( which is 6 credit hours at my school ) the grace period starts and and time I return to half-time the grace period resets. In this case I was attending 7 credit hours, but had to drop on XX/XX/XXXX which is the date that I fell below 6 credit hours. Ordinarily this should result in my grace period being set to expire XX/XX/XXXX, but even though the school confirmed that they faxed both loan Servicers in XXXX one of them - Mohela- sent me a bill which I received today. The bill states that I owe {$610.00} as of XX/XX/XXXX. Since I should be in grace this bill should not exist. I am attaching to this complaint a copy of the document that the school faxed Mohela. In a previous year the same document was faxed to a previous loan servicer named " XXXX '' who was able to accurately apply such information, but Mohela isn't doing that as it should. I am also attaching a print out of the online bill showing what they allege that I owe. I attempted to call, but could not get through. I tried to contact online, but their website says they they are dealing with extremely large call volumes. I tried using their secure message system, but it keeps timing out forcing me to retype and I have no idea if it went through or not. Normally I would wait to complain, but in this case waiting could be disastrous since I am nearing the time that I need to apply for loans to attend the XXXX XXXX semester.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A