MOHELA


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"Products" offered by MOHELA with at least one, but usually more complaints:

Checking or savings account - Checking account
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical debt
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Private student loan debt
Debt or credit management - Student loan debt relief
Mortgage - Other type of mortgage
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan

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Complaint ID: 8198575

Date Received: 2024-01-22

Issue: Unable to get your credit report or credit score

Subissue: Other problem getting your report or credit score

Consumer Complaint: Mohela has as of XX/XX/23 XXXX out my students loans, however they are still showing on my credit report. The credit report shows that Mohela last reported to credit reporting agencies on XX/XX/23. No updates have been show on the credit report as far as the XXXX balance.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: PA

Zip: 168XX

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8198430

Date Received: 2024-01-22

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: I applied for the save plan, was put in administrative forbearance because they had delayed processing. My monthly payment was wrong two times, and therefore due to their processing times and incorrect payment amount I was in forbearance form XXXX to XXXX. They are now telling me these months wont count for PSLF, but I was in forbearance due to their errors. I asked for this in writing that these months wont count, they stated it will be 90 days. I am reporting because these months should count due to their errors and correspondence time. Also, my payment on save is {$0.00} due to my income and I would not have to had pay anything for those months anyway.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: MI

Zip: 49506

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8198282

Date Received: 2024-01-22

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: My student loans were transferred from XXXX to Mohela XX/XX/XXXXXXXX and ultimately forgiven as part of PSLF/XXXX I've received confirmation lettters and XXXX balance across all accounts ( Mohela, Department of Education, XXXX ) XX/XX/XXXX. On my credit report, however, it is showing my student loans are doubled -- BOTH XXXX and MOHELA are showing my student loan debt so it appears I actually have double the amount of student loans which is a sizeable amount. This is unacceptable -- I have not had a balance with XXXX for almost a year, and it has been almost four months since my loans were forgiven under PSLF/XXXX. This has negatively impacted my credit score, my debt to income ratio, and is prohibiting me from buying a second house and car. Please address this as soon as possible and remove these balances from my credit report.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: KY

Zip: 40503

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8198063

Date Received: 2024-01-22

Issue: Dealing with your lender or servicer

Subissue: Problem with customer service

Consumer Complaint: On XXXX XXXX XXXX I asked MOHELA to please forebear my student loan account until my SAVE application was processed. They said they would forebear it until the end of XXXX and that it should be enough time to process the application for SAVE I submitted back in XXXX XXXX XXXX I have had to wait over 40 minutes at the least for an answer to their customer service line and I keep getting bills for amounts that I can not afford. Then when I only pay the amount I applied for, I am told that the ful amount is past due and could be sent to collections. It's stressful to think I could be sent to collections when I am doing everything I can to get this situated with little to no response from the servicer 's end.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: NE

Zip: 68105

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8198058

Date Received: 2024-01-22

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: MOHELA has NOT placed me on the income based repayment plan I requested months ago, despite me REuploading information. Now I'm receiving UNAFFORDABLE loan repayment bills. MOHELA also did NOT calculate my previous loan payments correctly for PSLF.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: NC

Zip: 27707

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8197711

Date Received: 2024-01-22

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: On XX/XX/XXXX, XXXX money orders and a Payoff Detail loan letter were mailed to Mohela with the intention of paying off one of my loans to close that account. The money orders consisted of XXXX {$1000.00}, a {$620.00}, and a {$500.00} to pay off my loan totaling {$4100.00}. My requested pay off date was for XX/XX/XXXX, and this loan was disbursed to me on XX/XX/XXXX. Only XXXX of these money orders were applied to my loan payment, but all money orders were cashed on the same day, XXXX XXXX XXXX. In XXXX, I noticed that only one payment was applied to my account for {$620.00}, and it wasn't even applied to the intended loan. So 4 of my 5 money orders are currently missing, I asked to submit an investigation to get it sorted out, but after months of calling in to check for a status, there has been no updates and every time I had to give information again and again, it felt as if none of my information was being recorded or being kept track of. The last representative I spoke with, I kept asking to escalate me and she did not ever let me, I don't even think she was doing anything to check on the account until I asked to speak with a higher up. She put me on hold multiple times, probably waiting for me to get tired and hang up, it took a long while. I tried calling back today and now they just hung up on my call, and the wait time is ridiculous to keep calling back over and over again. As of right now I don't know if the matter has been looked into or if they care to check on my account. I don't know what information they are keeping recorded, I submitted images of my paystubs with information on dates, which loan, and when it was supposed to be cashed.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: TX

Zip: 773XX

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8197579

Date Received: 2024-01-22

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: My student loan was forgave in XX/XX/scrub>XXXX I have request multiple time with Mohela close out my student loan and record a XXXX balance withe the 3 credit bureaus. I have called them, sent them online messages with no resolve. I have disputed with credit bureaus. Student.gov says contact Mohela. Just going in circles. Mohela told me it would be updated in 90 days and it has not. I need this student loan debt to reflect being closed and reflect the XXXX balance on my credit reports. This is keeping me from buying a house.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: TX

Zip: 797XX

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8197499

Date Received: 2024-01-22

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: loan serviced by Mohela - late XXXX - amount of repayment amount is too high for my current income level {$440.00} - submitted recertification for income-driven repayment plan on XX/XX/XXXX - email message from Mohela on XX/XX/XXXX, subject " Correspondence Processing Delay '', stating that the recent request had been received and is expected to be processed within the next 10 business days. - I sent the following message within the Mohela site on XX/XX/XXXX : " I submitted an application to be considered/recalculated repayment through the SAVE program in XXXX for lower payments than what I am currently expected to pay. The status of the application on my end appears to be " processing. '' I have since received a notification that my next payment will be due within the next two weeks. What are my options for submitting lower payments, while I wait for my application to be processed? Thank you. '' - paid {$440.00} on XX/XX/XXXX - submitted recertification for income-driven repayment plan on XX/XX/XXXX - called Mohela on XX/XX/XXXX to get movement on processing of recertification ; still no response to my message from XX/XX/XXXX ; awaiting call back from Mohela after being on hold 40 minutes

Company Response: Company believes it acted appropriately as authorized by contract or law

State: DE

Zip: 199XX

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8197468

Date Received: 2024-01-22

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I received a letter from MOHELA on behalf of XXXX XXXX XXXX on XX/XX/XXXX stating the balance of my two loans with XXXX. of XXXX ( XXXX and XXXX ) were at ZERO balance and that my XXXX XXXX XXXX XXXX application was processed and approved. After waiting 90 days, I checked my credit report ( s ) and my reports are still showing an open account with a balance of {$48000.00} as of XX/XX/XXXX. This error from XXXX XXXX XXXX is affecting my credit report negatively and may unfairly disqualify me for future financial exchanges. I request XXXX XXXX XXXX immediately notify ALL credit reporting agencies to accurately reflect the balance and status of my student loan account, account number XXXX.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: WA

Zip: 98229

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8197092

Date Received: 2024-01-21

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: Why is this payment not entered into my payments on my account? What did you do with it? The bank did not reverse it and this caused me to have higher interest and more to pay so I just sent a XXXX payment that I did not owe as interest. You need to get this fixed now and stop cheating me. Payment Confirmation Thank you for your payment. This email confirms that your payment request was submitted to MOHELA for processing. Payment made on : XX/XX/2024 Confirmation # : XXXX Payment Amount : XXXX Payment Effective Date : XX/XX/2024 This email confirms a payment has been scheduled and is not confirmation that your payment has successfully processed. It may take 2-3 business days from the Payment Effective Date to post to your account. Please visit mohela.com to confirm the status of your payment or manage your account. If you have any questions regarding your account, please contact us. Sincerely, MOHELA

Company Response: Company believes it acted appropriately as authorized by contract or law

State: ID

Zip: 83854

Submitted Via: Web

Date Sent: 2024-01-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.