Date Received: 2023-09-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have applied for PSLF program and with all of my employers and time certified, in calculating MOHELA has simply left out months so the 120 months are not reflected. I have been contacting them for almost a year and I can't get an explanation or reason why nothing is being done. Also don't know status bc even the most recent certifications are not increasing the number of months which now far exceeds 120. I just want an answer and someone to fix.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am in the Public Service Loan Forgiveness Program. I consolidated my loans to FedLoans per the guidance from the Public Service Loan Forgiveness program back in XXXX. This was prior to a payment tracker since the program was still in its infancy. All the years prior to consolidation are missing. I filed a complaint here and they responded that they didn't count because I was in deferment which is 100 % not true and I can prove it. In XXXX, the program moved the annual income based repayment application to the FSA website. In XXXX, I re-certified my annual IBR repayment plan on the FSA website. How could I re-certify my annual income based repayment plan if I was in forebearance?? Also, I filed a freedom of information act request to get my call records and it shows that I called, requested that I was not on forebearance, filled out the form to waive it and I entered repayment ( and verified I was on repayment in the call logs as well ). It is incredibly frustrating I have to go through all these hoops filing freedom of information act requests and pulling my entire income based repayment history just to prove what happened. I want those years added on my history that I have proven over and over that were 1 ) in repayment 2 ) in an eligible repayment plan and 3 ) are certified by my employer already. I enter repayment next month and if those months are added as they should be, I would be done with my 120 months ( I have XXXX and XXXX now ). Please make them do the right thing here. I attached proof I requested, entered and recertified my IBR eligible plan in XXXX and my calls logs going back prior to that waving forbearance and entering IBR. Maybe MOHELA is confused looking at the history because I was at $ XXXX monthly payment during that time period but it was not forbearance and my attachments prove it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been waiting on complete PSLF forgiveness under the temprary waiver since I consolidated by FFELP loans from XXXX to XXXX in XX/XX/XXXX and submitted PSLF employment certification in XX/XX/XXXX. I have been continuously employed by a qualified federal agency ( HUD ) since XX/XX/XXXX. I have also continuously made monthly loan payments to XXXX from XXXX through XX/XX/XXXX. Mohela is now the servicer. The records for both Student Aid.gov and Mohela show that I've been in repayment status since only XXXX. As a result, my qualifying payment counts were only counted from XX/XX/XXXX through XX/XX/XXXX ( XXXX payments ). I have resubmitted submitted my PSLF certification and XXXX payment history several times to XXXX, StudentAid.gov, and Mohela, but the payment counts have not updated. There are 11 years of missing payments ( XXXX ) that I've made that should count towards complete forgiveness ( 120-plus payments ) under the PSLF waiver. I have requested reconsideration from StudentAid and escalation to an Ombudsman without success.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I reached out to Mohella in the middle of XXXX requesting information on loan consolidation. I am a Public Employee who would qualify for PSLF however I need to know how to complete loan consolidation to ensure I have one payment and one loan to work with. However when I reached out, I received a response about the number of payments I have made. It had nothing to do with any information I requested. I reached out again and never received another response. As of today, I've yet to receive any information from Mohella.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX I submitted my income certification for an income driven repayment plan on studentaid.gov. This has resulted in a significant increase in my monthly payment to about {$1200.00}. I recently learned that I did not need to do this. In fact, no one needs to certify their income until about XX/XX/XXXX. When I did the certification there was no mention of this anywhere on the studentaid.gov website or Mohela. I also did not get prevented from doing this ( or receive any alerts during the process ) even though it was obviously not in my best interest. Had I known I did not need to certify, I obviously would not have. I called Mohela and requested that they remove the certification and use the prior one on file before the payment pause to recalculate my payment and they refused. It seems unfair that they will force me to use the certification although it is not mandatory to do so until XX/XX/XXXX. I've read online that it is definitely possible to rescind the income certification ( Mohela has done this for other customers ) so they were a bit untruthful about not being able to do so. Can you please help me with this? This payment is very burdensome and I should also get to go without certification until XX/XX/XXXX as everyone else.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been on income based repayment ( IBR ) since I consolidated my federal loans in XXXX. During the Covid-19 pandemic forbearance period, annual income recertification was paused. Per the Department of Education and Federal Student Aid office, income recertification was not required during the forbearance period and will not be required until XX/XX/XXXX at the earliest https : //studentaid.gov/announcements-events/covid-19/income-driven-repayment MOHELA notified me that because I did not recertify my income XX/XX/XXXX ( during the covid forbearance ), I would be removed from income based repayment and would be put on the standard repayment plan. MOHELA did offer to recertify my income XX/XX/XXXX and enroll me on SAVE and actually was pushing me to do this. However that is not a fair outcome. The fair outcome would be to keep me on my previous income based repayment plan and have me recertify XX/XX/XXXX as is the case for every other federal borrower.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78759
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Limited XXXX PSLF waiver for qualifiing payments could count paid on them or was on IDR those years and they wont count them as qualifying payments. They will only count my current employment of government from XXXX-current. They refuse to count any previous payment regardless of status it were in as it reads. Can you please help very misleading.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 264XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: I HAVE BEEN EMPLOYED WITH THE XXXX XXXX XXXX XXXX XXXX SINCE XX/XX/XXXX. I HAVE BEEN MAKING ON TIME PAYMENTS ON MY STUDENT LOANS SINCE XX/XX/XXXX. I RECENTLY SUBMITTED MY PSLF CERTIFICATION TO MOHELA AND WAS TOLD THAT MY PAYMENTS WERE INELIGIBLE SINCE I WAS IN DEFERMENT OR FORBEARANCE. I WAS NOT IN DEFERMENT OR FOREBEARANCE AND WAS MAKING ON TIME PAYMENTS EVERY MONTH. I NOW RECEIVED A LETTER FROM MOHELA DATED XX/XX/XXXX STATING THAT MY APPLICATION FOR IN SCHOOL DEFERMENT HAS BEEN APPROVED FOR XXXX TO XX/XX/XXXX AND XX/XX/XXXX TO XX/XX/XXXX : I NEVER APPLIED FOR IN SCHOOL DEFERMENT. I HAVE BEEN WORKING FULL TIME FOR THE XXXX XXXX XXXX XXXX XX/XX/XXXX AND MAKING ON TIME PAYMENTS! THE LETTER STATES THAT I HAVE BEEN APPROVED FOR IN SCHOOL DEFERMENT FOR SEVERAL PERIODS, INCLUDING XX/XX/XXXX TO XX/XX/XXXX AND XX/XX/XXXX TO XX/XX/XXXX. I WANT THESE DEFERMENTS TO BE REMOVED FROM MY ACCOUNT AS THEY ARE WRONG-I HAVE BEEN EMPLOYED FULL TIME AND MAKING ON TIME PAYMENTS DURING THOSE PERIODS OF TIME! I XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN XXXX XXXX XXXX XXXX XXXX SINCE XXXX AND MAKING ON TIME PAYMENTS FOR YEARS-THIS IS PREDATORY BEHAVIOR AND SIMPLY WRONG. PLEASE HAVE THEM REMOVE THESE DEFERMENTS AND HAVE MY LOANS CORRECTED TO BE IN REPAYMENT. I WOULD LIKE TO HAVE MY PSLF COUNT UPDATED FOR THESE PERIODS OF TIME AS WELL.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I submitted an application to change from XXXX plan to SAVE plan. I have been on XXXX since XXXX. I submitted an application to switch plans and included my income verification. This was XX/XX/XXXX. On XXXX XXXX, MOHELA denied my application stating I did not include income verification, which I did through the student aid website. The big issue is MOHELA took me off my original IDR plan, XXXX and placed me on Standard Plan with no explanation. I am in the PSLF program and I have 3 years left. I need to be on an IDR plan to qualify and theres no reason why I should have been taken off XXXX and moved the standard if my SAVE plan change was requested. I tried reaching out via calling and sending message on XXXX XXXX. I have not been able to get ahold of a representative. I need MOHELA to contact me back to fix my plan issue and verify how much I owe XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98387
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: I want to file a formal complaint about how MOHELA is refusing to discharge my loans in a timely manor after being notified by XXXX and myself that my loans were discharged as I am a class action member of the Sweets V. Cardona settlement. I have provided MOHELA with information the XXXX XXXX XXXX sent my Loan to you in error. I have provided MOHELA with the necessary information regarding my loans being discharged and I demand this be reflected with MOHELA and all loans from MOHELA be removed from my credit report. At this time MOHELA is well aware of the facts of my case as I've spoken to MOHELA and XXXX who sent the loans over in error. MOHELA is costing me thousands of dollars in interest and borrowing power by allowing loans to be on my credit report in error. Please remove these loans according to the information MOHELA can acquire from XXXX the loan servicer who has been notified by the Dept. of ED that my loans have been discharged. All relevant information has been uploaded to MOHELA. Once again MOHELA is violating my financial rights, and their obligation to have fair and accurate loan information be reflected on my credit report. Thank you for your time in this matter. Best, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94583
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A