Date Received: 2023-09-20
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My student loans are in the process of being discharged. I have approval with Sweet vs. Cardona and {$40000.00} has already been discharged. I have another {$20000.00} remaining. AS soon as the $ XXXX was removed they kicked me back into repayment and wont fix it. Per the terms of the agreement I am to be on administrative forbearance. I am getting the run around from Mohela and Dept of Education. I am now paying interest and have a payment due on loans that are being discharged. This need to be fixed. I clearly states that my loans are to remain in Forbearance until discharge. I provided Mohela copies of these documents in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XX/XX/XXXX I was transferred from XXXX to MOHELA. I have been on income based repayment plans since I started repaying my loans in XXXX. In XX/XX/XXXX, I was placed on PAYE. In XXXX of XXXX, I updated my income for PAYE through MOHELA and was approved for a payment of XXXX. I recently applied for the SAVE plan. While applying, I noticed they placed my account on the standard LEVEL plan, and my payment is set to be XXXX. They did not inform me of this change. I called, they are not sure why this happened and claim they are unable to put me back on the plan that they approved me for in XXXX of XXXX. They now claim I am in forbearance until the SAVE application is approved, but I was not informed of this, nor did I request this. I still have no evidence that I am in forbearance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27609
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I've been asking for a status update on my XXXX applications since last year and have not received XXXX. I submitted my temporary XXXX waiver in XXXX of 2022 and consolidated my loans at the direction of the student loan provider, but I have not received any updates on my applications. My eligible payment count has been at XXXX since the consolidation in XXXX of last year. I've worked at eligible employers ( nonprofit and academia ) for almost 14 years, so I believe I've reached forgiveness for most of my student loans. I've asked Mohela to put my loans in forbearance while I wait on them to process my application but I was told I can only receive a forbearance if I've made XXXX qualifying payments, however, on the XXXX application it clearly states that while your application is being processed you can request a forbearance, it does not have any language about a XXXX payment requirement. Also, if I've already made XXXX qualifying payments, I wouldn't need a forbearance because my loans would be forgiven. Not allowing me to receive a forbearance when the application states I can receive a forbearance while waiting on my application to be processed is unethical and unjust. If student aid gov or Mohela is inundated with XXXX applications and behind schedule with counting eligible payments they should put my loans in forbearance while they catch up on calculations. I don't understand why my loans weren't updated last year while things were paused for student loans. Mohela has contacted me to make payments for the last couple of months, but they have not contacted me about student forgiveness in over a year.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 802 of the Fair Credit Reporting Act states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy ''. XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I, the consumer, have the right to make sure my privacy information isn't shared which is backed by 15 USC 6801, stating, " It is the policy of the Congress that each financial institute has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers ' nonpublic personal information ''. Mohela/Dept of Ed is a financial institutions by definition under that title. Also, 15 USC 1681 Section 401 Section A ( 2 ) states, " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates ''. The financial institution Mohela/Dept of Ed and the consumer reporting agencies XXXX, XXXX, and XXXX do NOT have my consent to furnish ANY information in regards to ANY items they are furnishing on my report and they surely do NOT have my written consent either. Any and all consent to XXXX, XXXX, XXXX, and Mohela/Dept of Ed- whether it be verbal, non-verbal, written, implied or otherwise- is REVOKED. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. I was never informed of my rights to exercise my nondisclosure options by Mohela/Dept of Ed . Furthermore, 20 USC 1232g ( b ) - The Family Educational Rights and Privacy Act of 1974 additional supports that Mohela/Dept of Ed id violating my rights under this act by sharing my education records without my consent. Not only that- 15 USC 1681c ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ''. The Mohela/Dept of Ed accounts reporting are all adverse action accounts reporting without my permission- which is clearly against the law. 15 USC 1681s-2 ( A ) ( 1 ) states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at ANY time ''. This is your notice that I am opting out of ALL of your reporting services.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92129
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Struggling to repay your loan
Subissue: Problem with your payment plan
Consumer Complaint: I applied via student loans.gov in mid XX/XX/XXXX for the REPAYE income based repayment plan after the Biden administration said to do so to automatically be added to the SAVe repayment plan in XXXX. My loan servicer Mohela approved this request in XXXX. Randomly in early XX/XX/XXXX the new IDR status was issued as denied and I received no reason or clarification, only a letter that my repayment terms were changed to the Level repayment plan- which would require me to pay my entire rent every month?! Ive submitted new requests including my XXXX tax return ( even though the administration says I dont need to do submit documentation to certify income ) but have heard nothing. This is absurd.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Mohela is the new provider for public loan forgivenss loans. I consolidated my loans, and before the consolidation, 90 % of my loans were under the XXXX plan. After consolidating, MOHELA dropped my plan to the " level '' plan and is currently charging daily interest. Had they left my loans in the XXXX plan, I would not have an interest rate added. They told me, that my request to be put back on the XXXX plan was placed on XX/XX/XXXX, and the interest rate was being charged starting XX/XX/XXXX. They said, after approving my request, the interest amount would stay in my account. I asked why, and they said that there is nothing they could do. I think this is an illegal practice to collect money for themselves, after having taken over as the provider for public service loans. The reason why I have qualified for this loan, is my 21 years in the military. I feel robbed and taken advantage of, and I hope that the XXXX will take care of this complaint
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60490
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I submitted my PSLF information a few months ago, along with my application to actually have my loans forgiven, and the decision has been held up due to clerical errors on the part of the lenders ( currently MOHELA as well as the former provider ). My employer of the last 9 years has been incorrectly named in their files and the issue is causing my employment to not count for certification. I am a XXXX XXXX in a XXXX XXXX XXXX, and am in my XXXX year at the XXXX XXXX. I was in other schools previous to this one.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: I sent MOHELA as well as studentaid.gov proof of public service for the State of Arkansas in hopes that they would forgive my loans. I have never been in a position to repay the loans and I have always worked for the State of Arkansas and made less than {$40000.00} per year. I have had to file bankruptcy twice due to caring for a XXXXXXXX XXXX and being terminated because I had to be off work due to his illness. I was told that I could not add the loans in bankruptcy. I would like the loans forgiven. I had provided proof of service.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72015
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, my student loan was forgiven per MOHELA and XXXX. Yet, MOHELA still reports this account as open, in fact, on XX/XX/XXXX, MOHELA reported to credit reporting agency XXXX that the account is still open. This is not correct information and reporting the account as open when it is not, is harming my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98310
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: In XXXX of XXXX, I submitted an application for an income driven repayment plan on XXXX while my loans were being serviced by XXXX XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX stating I was approved for an IDR plan and my payment would be {$0.00}. In XXXX of XXXX, I submitted a PSLF application to MOHELA and began the process of getting my loans transferred to MOHELA so I could begin PSLF qualifying payment tracking. My loans were subsequently moved to MOHELA several months later. During the period of waiting to be transferred, I was assured by Great Lakes and MOHELA that information on my IDR plan would be transferred to MOHELA. At the time of getting approved for the IDR plan in XXXX of XXXX, I was told by XXXX XXXX that there was and is a federal waiver that would allow me not to have to recertify my IDR plan until XX/XX/XXXX. I would like MOHELA to review the attached letter from XXXX XXXX stating my approval for the IDR plan and my repayment amount, so that I do not have to recertify until XX/XX/XXXX. I ultimately would like my approval for IDR plan to be moved to MOHELA and my repayment to be on an IDR plan that I was approved for by XXXX XXXX and studentaid.gov once payments resume in XX/XX/XXXX. I would like to continue my deferment until the federal government resumes payments for all. I submitted the above statement to MOHELA on XX/XX/XXXX and XX/XX/XXXX. It took over 14 days for them to deny me. They provided no explanation why I was denied. I called the customer service line and waited over 1 hour to speak to the representative. The representative spoke to several supervisors who said the form was denied due to not submitting my XXXX taxes. This form was approved on my XXXX taxes by XXXX XXXX and has nothing to do with my XXXX taxes. The form as several dates throughout which indicate this, but that was their only explanation. The representative added several comments to my account, stating that I could just recertify. The problem with this is that my XXXX income is significantly greater than my XXXX income. Eventually the customer service representative resubmitted my form with comments, I asked if I should submit my XXXX taxes too and she said no because the forms should be honored with the attached XXXX approval letter from XXXX XXXX and no further documentation would be needed. She said a different department deals with the processing of the IDR applications and it would take up to 7 business days to process. The forms were resubmitted by the customer service representative on XX/XX/XXXX and up until today XX/XX/XXXX I saw no change in my account. Upon logging in today almost 30 days after the representative resubmitted the form, XX/XX/XXXX. I see " duplicate form '' under the documents received tab. I see no explanation and no change in my payment plan. I did everything that was suggested to me by MOHELA and XXXXXXXX XXXX and they are negatively impacting my ability to pay my student loans, by engaging in providing false information and predatory tactics.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55904
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A