Date Received: 2023-09-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have submitted an application for XXXX through XXXX. I have loans serviced by MOHELA ( XXXX loans ) and Aidvantage ( XXXX loan ). MOHELA sent me a letter dated XX/XX/2023 saying I am now in an income-driven repayment ( XXXX ) plan for XXXX of my loans. They say the monthly payment is {$78.00}. That monthly payment relates to a loan I have with XXXX, not with MOHELA. Neither of my monthly MOHELA payments is {$78.00}, nor do they add up to {$78.00}. XXXX ) Why is XXXX sending me letters regarding loans they do not service? How did they get that information? XXXX ) Are either or both of my MOHELA loans in an income-driven repayment ( XXXX ) plan? XXXX ) Why is MOHELA not communicating with me about the loans I have with them? The end of the student loan repayment freeze has been a financial and emotional hardship. MOHELA, XXXX, XXXX, and CFPB have refused/ been unable to communicate clearly or effectively. They are mixing up accounts. Cancel my debt please.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company can't verify or dispute the facts in the complaint
State: FL
Zip: 33173
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: I submitted for XXXX through Mohela on XX/XX/XXXX. I found out that I needed to transfer my loans from my previous loan servicer to XXXX XXXX which then transferred them to Mohela in XXXX of XXXX. In XXXX or XXXX of XXXX, I was told that XXXX payments had been accepted for PSLF forgiveness. When I contacted Mohela to find out why only payments between XXXX and XXXX were accepted, I was told that they were waiting for more information from the Feds. I contacted Mohela at XXXX on XX/XX/XXXX to find out why only payments from XXXX were considered in my forgiveness count when I have verified employment from before XXXX. The representative I spoke with could not figure out why that was either. He told me he was going to put in a request to figure out why no payments before XXXX were considered. He told me to wait XXXX weeks before calling back to check on the status of this request. On XX/XX/XXXX, I received a letter from Mohela ( even though I've requested electronic correspondence many times ) essentially informing me that I do indeed have an account with them and that I can check my XXXX progress on the website. On XX/XX/XXXX I called to follow up on my original request since it was NOT addressed in the letter I was sent. I was told to be patient and that some XXXX requests would be fully processed in XXXX and others not until XXXX. I have tried to contact Mohela in XXXX and XXXX of this year and have not been able to reach them because of high call volume. They are not a very user friendly company. My complaint is that I've submitted all the appropriate paperwork and am still waiting for forgiveness after 18 months. No one seems to be able to answer my questions. I've been paying on my loans since XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85713
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I haven't applied for any educational training. I think someone is using my name.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I, XXXX XXXX XXXX, am writing to formally register a complaint and seek redress regarding my participation in the Sweet vs. Cardona Borrowers Defense Class Action Settlement ( Application Number # XXXX - XXXX XXXX XXXX [ XXXX ] ). I believe my case merits special attention due to the following facts : I am addressing the inclusion of the following tradeline on my credit report : - Account Name : MOHELA/DEPT OF ED - Account Number : XXXX - Loan Award ID : XXXX - {$4800.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$13000.00} - Loan Award ID : XXXX - {$20000.00} I believe this tradeline violates the terms of the settlement agreement and consumer protection laws under the Fair Credit Reporting Act ( FCRA ). As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application ( s ), as specified in the settlement terms. I request that the credit reporting agencies promptly investigate this matter to ensure that my credit report accurately reflects my status as a borrower defense applicant in administrative forbearance. The FCRA and the settlement agreement require that my credit reports accurately represent my financial obligations and rights under the law. As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application : XXXX, as specified in the settlement terms. I understand that the Sweet vs. Cardona Borrowers Defense Class Action Settlement is designed to address cases where borrowers have been subject to unjust treatment related to their student loans. Given the circumstances of my case, I believe it falls within the scope of this settlement. I have reviewed the terms of the Sweet vs. Cardona Borrowers Defense Class Action Settlement, and I believe that my situation is directly related to the objectives and provisions outlined in the settlement. Therefore, I request a thorough review of my case to determine if I am eligible for reimbursement and restitution under the settlement terms. Enclosed with this complaint, you will find supporting documentation : 1. Copy of Dispute Statement 2. Copy of Request for Enforcement of Settlement Rights to Privacy and Accuracy of Information ( Dept. of Education Letter ) 3. Copy of Borrowers Defense Class member participation and eligibility for administrative forbearance. 4. XXXX XXXX XXXX Misconduct, Misrepresentations, and Breach of Contract and Fiduciary responsibility claim evidence and copies of email correspondence. 5. Copy of your drivers license ( Proof of Identity ) 6. Copy of Bank Statement ( Proof of Address ) 7. Loan Details - Copies of XXXX XXXX credit report highlighting discrepancies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 022XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Struggling to repay your loan
Subissue: Problem with your payment plan
Consumer Complaint: I went to XXXX XXXX in the fall of XXXX, I finished the program and the externship with the promise of getting a job by the school at said externship, and how easy it would be to get a job. Before I finished my externship my mom sadly passed away in XXXX of XXXX, I let my school know and also let them know I had to quit my job to be a le to do the externship so I wouldn't have money to be able to pay any fees and they said it was not their problem. I was doing the externship full time XXXX everyday. While grieving the loss of my XXXX. Once I finished they held my diploma and I won't get it till the full {$9500.00} is paid. I find it ridiculous that I earned my diploma working hard, studying, and doing everything I was told. But apparently I have to " buy '' my diploma. This whole thing is ridiculous, I have a job now but not in the field I went to school for because they said and I quote " the school I went to doesn't count for enough job experience ''. I spent money, time, and effort for no reason, I feel cheated and lied to.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. XXXX - {$2500.00} XXXX XXXX MOHELA/DEPT OF ED XXXX - {$3600.00} XX/XX/XXXX MOHELA/DEPT OF ED XXXX - {$3500.00} XX/XX/XXXX MOHELA/DEPT OF ED The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been working towards PSLF and as of XX/XX/2022, had XXXX qualifying payments and got the " trophies '' saying I would be forgiven. I talked with a Customer service rep ( at that time, loans were managed through XXXX XXXX XXXX ) who said I would be forgiven in 30-60 days. Instead, my loans were transferred to Mohela in XX/XX/2022 and I have been told monthly by their CSR that I would be forgiven in 30-90 days, but it has never happpened. It has now been more than a year since I qualified. I have filed complaints with Mohela directly, with Federal Student Aid, with my state Attorney General, with my State senator XXXX XXXX, with the Ombudsman ( although I got the feeling that that CSR didn't actually do anything. there was some communication barrier, it was odd ). I have now been recommended to make a complaint with CFPB. I'm desperately hoping you can advocate on my behalf. The psychological burden of this debt is significant and it is maddening to know I qualified for forgiveness over a year ago and still am wasting HOURS every month trying to talk with Mohela just to be told the same thing every time -- " Just wait! You're all set ''. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55406
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am a third year XXXX resident with XXXX K in debt and make less than federal minimum wage for the hours I work which is XXXX hours a week. I am being penalized despite 8 weeks ago reaching out to my loan servicer to know what to do. Essentially I was under XXXX, my estimated payment was {$220.00} for month. I couldnt afford it so I called the rep what to do. She said to consolidate my loans and re certify with my 2022 W2. Thats what I did. Flash forward a month and Im on XXXX refreshing to see if with recert my payment is XXXX. Wait a minute all loans are gone now? Looks like someone made a payment. Called my parents so confused to see if they had XXXX laying around randomly paid. Mom said looks like loans got transferred. I was never notified and would have never known unless I checked XXXX. I call them they said my money is at XXXX. This is after being on hold for 3 hours twice a day. The apologized for misleading me, and giving wrong info but they can no longer help as they money is not with them. I call XXXX who says XXXX is my loan servicer. Then im on hold with XXXX for hours, also saying the money is not with them. The narrative switches after hours on hold that my new provider is Mohela. That they processed a direct consolidation loan and bc I didnt respond in 10 days ( NEVER RECIEVED A NOTICE OR WHAT TO DO!! ) theyre consolidated and unsure what the interest rate or monthly payment will be. So XXXX bc thats not what I wanted to do! XXXX led me astray. Now I call mohela, they see that they are my servicer but dont have my info or money. My money is now in transit so where with no one so no one can process my app or give me a quote. Mohela said in this time period nothing to pay. I am so stressed out bc I took the time to try to figure this out 8 weeks before now they have completely XXXX XXXX and my life because of the misinformation. I worked too hard for this to affect my lifeZ I am afraid something will go wrong. I am so stressed and unsure what to do here. How is this ethical or legal? Any advice will be appreciated. Im afraid and unsure if my SAVE application will transfer over. Seems like XXXX cancelled it and just consolidated it with est payment of over 1grand which is what Im afraid will carry over. If anyone has been in this position please reach out at XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: MOHELA has failed to do the following items as of today, XXXX Auto enroll my account in XXXX Provide an accurate total payment amount of the next due payment Accurately count XXXX qualifying payments Process employment certification and other documents in a timely fashion I do not have a clear idea of my PSLF progress or my total due payment after XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A