Date Received: 2023-10-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I began researching forgiveness options through XXXX once XXXX of my loans reached XXXX payments. I applied for forgiveness for those XXXX loans but during that process, I learned that if I had consolidated, I would have all XXXX of my loans forgiven with that same payment count. I did not learn this from my loan provider nor the student financial aid website. I learned this through XXXX. I did research and found out. This is actually true, but the information is not put out there. I attempted to consolidate all XXXX loans prior to the forgiveness going through on the XXXX loans, unfortunately my XXXX loans were forgiven before the consolidation was completed. Now I am left with XXXX loans that could have been forgiven in XXXX with all the others. They now still have XXXX years left on them. This is unfair because right now borrowers are constantly steered away from consolidating if they are on the XXXX program. We are told that our payment counts would start over and the student financial aid website even gives a huge disclaimer warning when consolidating. If XXXX XXXX misled, I would have forgiveness and no more paying student loans. This is very unfair. After reading the article posted by consumer finance, I realize I am in XXXX of many who are facing the same situation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 47630
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Applied {$4300.00} on XX/XX/XXXX in order to pay off ALL outstanding accrued interest. Only {$2700.00} was applied to the interest, {$1600.00} was applied to the principal. I have attempted to call MOHELA XXXX times since the payment posted on XX/XX/XXXX. The wait times are ridiculous and when I did manage to get a live person to pick up on XX/XX/XXXX at XXXXXXXX XXXX. they said they could not hear me and HUNG UP. I can not get a live representative on the line to attempt to re-apply my onetime payment that is the FULL AMOUNT of my outstanding interest.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I retired from the XXXX XXXX and used my XX/XX/XXXX XXXX XXXX XXXX of {$80000.00} at XXXX XXXX in XXXX and graduated in XXXX. In XXXX of XXXX I was contacted by an origination named MOHELA. MOHELA stated that the forgiveness period for student loan forgives was over and that I owed the whole amount for college. I contacted MOHELA and ask them why I hadn't made a payment in almost XXXX years and who did I take the loan out through. They stated that they didn't know what the XXXX XX/XX/XXXX XXXX XXXX XXXX was and that they had no data, only that I owed for the whole amount. I requested copies of the original paperwork with my signature and dates on it. They have refused to provide anything and are causing me sever distress. I am XXXX and have XXXX XXXX due to my XXXX in the XXXX and can not pay a debt I do not owe again. I contacted XXXX XXXX XXXX, and they have no outstanding debt owed to them by me. Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Was previously on REPAY ( form of XXXX ) and was informed on the FSA site that if you were already on this play you would be automatically switched to the SAVE plan. More time passed and it never switched over. I submitted an application for the SAVE plan and was informed yesterday by MOHELA that this was under review so my loan payment is due now without adjusting my plan. Even though I followed the advice displayed by the FSA site and MOHELA. I am not sure why I was never switched over to the SAVE plan like the site said I would be.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 498XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello, On XX/XX/XXXX, I made a payment on my student loan serviced by MOHELA. I received a confirmation and my payment left my bank account via electronic transfer that same day. Today it is XX/XX/XXXX and the payment has still not posted to my account. The account shows a past due balance even though I paid the amount in full and they took the money out of my account. Guidance says the payments usually post in 3 days, but we are now seven days past the payment and it still is not posted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My loans were forgiven in full in XXXX. I show that the credit card companies have received info from Mohela, but it still shows my loans are active and in repayment with the full balance listed as owed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97233
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loans were services by FedLoans for the PSLF program. I started working a qualifying employer in XXXX but them switched an began working for a state government agency in XX/XX/XXXX consistently. At that time I had finished my XXXX XXXX XXXX degree and was starting my XXXX program. I spoke with FedLoan regarding the process for the PSLF program and if I would begin making payments on my loan at the time I started working for the state would those payments count. I spoke with 2 different representatives and both informed me that my payments would not count because I would have to consolidate all of my loans prior to starting my PSLF. So they kept my payments in in-school deferrment while I attained my XXXX. I continued to work for State Agencies throughout that time and finished my XXXX program in XXXX. I then consolidaeted my loans and began my PSLF program. Each year since XXXX, I have submitted my PSLF certification and it reflects my time from XXXX but none of the time counts due to it not being in payment status even though I asked repeatedly if this time would count and was given false information. I also have inquired about the months of XX/XX/XXXX and XX/XX/XXXX, as these payment were not counted towards my forgiveness time even though I made payments these month. For XX/XX/XXXX, it states no bill was due at that time, but there was and I made my payment that month. For XX/XX/XXXX, On the system it reflects that my employment was not certified even though they have the applications and have approved my employment during his time period.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: MOHELA has been absolutely disgraceful in handling the resumption of student loan payments. My ( and my wife 's ) monthly loan repayment was calculated incorrectly after I was switched to the SAVE plan. I spent hours on hold and talking to representatives trying to get this corrected. It took escalating to a supervisor ( and many more hours on hold ) to get this problem addressed on XX/XX/23. I was told it would take XXXX business days for this to be fixed, 7 days at most. It is now XX/XX/23 and both my and my wife 's monthly payment has not been recalculated. Furthermore, 4 out of my 8 loans were put on an administrative forbearance while this is being figured out, but the other 4 inexplicably were not and my account is listing an ( incorrect ) payment that is due XX/XX/23. I have been patient waiting for MOHELA to figure this out, however after waiting for an hour on hold today ( XX/XX/23 ), I was redirected to a survey of " how are we doing '' and then was hung up on. Best believe I left an incredulous answer to this survey. This has been extremely frustrating to deal with a company that has had three years to prepare for payments restarting, yet somehow is acting as if they were told last week.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received a letter from Mohela on XX/XX/2023 stating that my student loans were forgiven and that changes would be made to my account within 90 business days. That would have been on or around XXXX XXXX. That date has long come and past with no resolution. I have called Mohela at least a half a dozen times and get varying and unhelpful answers. They tell me that they are waiting on the Dept. of Education and there is nothing they can do, but when I call the Dept. of Ed., they tell me I have to call Mohela and have to work with my loan servicer. It is a completely frustrating circle of dysfunction. Meanwhile, student loan payments have restarted, and I am now incurring interest on loans that were supposed to be forgiven. I also originally received a bill that included the forgiven loans. I called Mohela about that and they placed those loans on an " administrative forbearance. '' I think received a letter from Mohela stating that such a forbearance can negatively impact my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46530
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In preparation for student loan repayments restarting I loggined into my Mohela account in XXXX. I have been on a REPAYE plan because I need Income Driven Payments to qualify for PSLF. At that time my monthly payment was listed as {$75.00}, but there was a note stating REPAYE plans were being auotmatically moved to SAVE. On XX/XX/23 I received a letter stating my monthly payment was going to be {$820.00} due on XX/XX/23. Contrary to what i had been told they had not placed my loans on a SAVE plan but on a LEVEL plan, the highest possible monthly payment. At that time I recertified my income and asked for forbearance while that was being process. On XX/XX/23 I logged in and my payment was now listed as {$67.00}. This appeared to be a more appropriate payment amount per my income and I paid that amount. However, a few days later I logged in and my payment amount was {$810.00} with no due date listed. At that time I tried to contact MOHELA customer service and was on hold for 2 hours and unable to speak to a customer service representative. I submitted a complaint in writing as well. On XX/XX/23 I recevied a letter backdated to XX/XX/23 stating that I was being placed on Administrative Forbeance from XX/XX/23 to XX/XX/23 while my IDR application was being processed. However, when I logged on on Tuesday XX/XX/23 my account now says that I am past due {$750.00} which was due on XX/XX/23. This is the first time I am seeing this amount and as of last week no due date was listed. According to my received documents my IDR application has been successfully processed and I have what appears to be my new monthly payment. But according to the home page I am still past due. I tried again to speak to a customer service agent and when I called my account is showing delinquent per the automated message, but I was still unable to speak to a person after an hour on hold. I submitted another written complaint through Mohela. I am still not certain if I am acutally in forbearance, if my payment has been fixed, or if this supposed past due amount ( listed after the due date ) will count against me becuase I can not speak to an actual person.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A