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: 7492692

Date Received: 2023-09-03

Issue: Struggling to repay your loan

Subissue: Problem with your payment plan

Consumer Complaint: The payment that they have me on I cant afford at all and when I was making nothing they had my payment high. XXXX I try to get the information from my taxes and my payment is to high and everything is high when you are trying to get a house and food and kids as well.

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

State: OH

Zip: 454XX

Submitted Via: Web

Date Sent: 2023-09-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7492185

Date Received: 2023-09-02

Issue: Struggling to repay your loan

Subissue: Problem with forgiveness, cancellation, or discharge

Consumer Complaint: I submitted my PSLF in XX/XX/XXXX to XXXX. I was told I had 4 months left to pay on my loans until forgiveness. I paid until XX/XX/XXXX and re-submitted my PSLF to XXXX. I gave them a month or XXXX but didn't hear anything about it so I tried calling them a few times. I was told 'another department handled those ' when calling and was transferred but either was hung up on somehow or no one answered at that number. I was then told MOHELA had my account. I did not want any confusion with the XXXX XXXX 's I turned in so I called and talked to a gentleman representative around XX/XX/XXXX and explained why I had XXXX XXXX submitted in XX/XX/XXXX and the other in XX/XX/XXXX. He put a note in so no one would get confused and knew why they were in there. He let me know my forgiveness would take XXXX business days. I waited XXXX business days and did not see any communication in my online account/portal with them so I had no clue where it was in the process. I called in XX/XX/XXXX and was told my XX/XX/XXXX XXXX had been marked as a duplicate despite the note the lady saw clearly in the system that states otherwise and had not been processed. I was told that even though it was their fault/mistake I had to wait ANOTHER XXXX business days and she put another note in there not to mark it as a duplicate. In XX/XX/XXXX I called about my PSLF again ( also no clear indication in my online account/portal that they were doing anything with my forgiveness or where it was in the process ) and was told by the same lady who took my call in XXXX that it was AGAIN marked as a duplicate and my forgiveness was again not processed. She told me they now had a XXXX business day policy to expedite the forgiveness when it is their fault. She assured me it would be completed in that time. It has been over 2 months and still no word about my forgiveness at all. I was sent a 'sorry we may have messed up your forgiveness here is XXXX for the inconvenience ' letter from XXXX but nothing from them since that. During all this time I had also sent messages through my online account to MOHELA trying to get answers but no answers or forgiveness ( plus they seem to have turned off my ability to send messages or hidden it really well since I last sent them since I no longer can do so ). I have also tried to complain to the department of education about this twice the first time they had told me the last XXXX form reported to them was in XXXX. I wrote back stating that both FedLoans and MOHELA stated they had both my XX/XX/XXXX and XX/XX/XXXX XXXX and I wasn't sure why either had not updated them with this information. I have yet to hear back from them on the 2nd email. Can someone please help me to get my PSLF from these companies that seem to be purposely denying it?

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

State: MI

Zip: 48198

Submitted Via: Web

Date Sent: 2023-09-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7491322

Date Received: 2023-09-03

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: I have been trying to get my XXXX XXXX XXXX XXXX count updated for my account for a few months. MOHELA has not been clear on deadlines nor dates about when this will happen. I have been told from them to call Department of Education. After talking to the Department of Education. I have been told that MOHELA is the ones to oversee this. This is completely unacceptable.

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

State: DC

Zip: 20017

Submitted Via: Web

Date Sent: 2023-09-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7490689

Date Received: 2023-09-02

Issue: Confusing or missing disclosures

Subissue:

Consumer Complaint: XX/XX/XXXX XXXX : payment made for principal {$2000.00} XX/XX/XXXX : payment made for principal {$2500.00} XXXXXXXX : student loan freeze. . . . XX/XX/XXXX : loan agency wants me to pay interest over the freeze period even though I have been paying down my principal or at least trying.

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

State: CA

Zip: 92203

Submitted Via: Web

Date Sent: 2023-09-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7490091

Date Received: 2023-09-02

Issue: Struggling to repay your loan

Subissue: Problem with forgiveness, cancellation, or discharge

Consumer Complaint: In XX/XX/XXXX, I enrolled at XXXX XXXX XXXX to begin my XXXX studies. I was repaying my student loans and did not request to be put into deferment when I began my XXXX studies. Unbeknownst to me, I was put into deferment without my consent. As soon as I realized my student loan payments were not being drafted from my bank account, I reached out to XXXX, the loan servicer at that time. However, XXXX was also shifting to XXXX so there was much confusion. When I contacted XXXX to request that I NOT be put into deferment, I was told I would have to contact the school. I did and have documentation to show that I asked the school ( XXXX XXXX XXXX ) to remove my deferment. I stated that I did not want to be in deferment and wanted to keep my payments because I was working toward PSLF. At that point, I had been repaying my student loans for several years. Despite my repeated attempts, it took 24+ months for my payments to begin again. I believe, in part, this was because XXXX was shifting to XXXX and possibly information was lost, requests were lost, etc. The loan providers would tell me to ask my school and my school was not responsive and/or would tell me to contact the loan providers. I could never get anyone to help me resolve the problem. Now, the loan provider is MOHELA. MOHELA has significantly better systems than XXXX and XXXX. With new improvements to PSLF, I have read on the fact sheet shared by the U.S. Department of Education that previous problems can be corrected, including with deferment and forbearance. On XX/XX/XXXX, I uploaded documents within my MOHELA account to request this problem I have with my student loans be corrected. In XX/XX/XXXX, I called MOHELA because I received a response I did not understand. The response did not seem relevant to the request I submitted. I have spoken with staff at MOHELA four different times. I have the dates and names of each person I spoke with but because the directions here state not to include names, I can submit them separately if needed. Because I have not been able to get the situation resolved, I have submitted PSLF reconsideration requests. My request, in my opinion, is simple. I was put into deferment without my permission. I have documentation to show I repeatedly asked to be taken out of deferment and allowed to continue making payments. That was not done for 24+ months, despite my attempts. I want to be able to repay the amount of payments I would have made during those 24+ months ( approximately 26 or 27 months ) and have those months count toward my PSLF payment count. I am currently at 89 or 90 payments ( waiting for documents to be processed with MOHELA ). I should be at approximately 116 or 117 out of 120 payments. Whether it is MOHELA, studentaid.gov/the Department of Education , I only want to be allowed to repay those months I was trying diligently to be taken out of the deferment I never requested, never consented to, and have documentation that I was repeatedly asking to have the deferment stopped and be allowed to return to payments. No one should be allowed to make financial decisions for me that affect me negatively without my consent and that is exactly what was done. I only request to fix it. I am not asking to be given those months spent in deferment. I am asking to be allowed to repay those months and have them count toward my PSLF payment count. Thank you.

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

State: NC

Zip: 28348

Submitted Via: Web

Date Sent: 2023-09-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7490055

Date Received: 2023-09-02

Issue: Dealing with your lender or servicer

Subissue: Problem with customer service

Consumer Complaint: On Monday, XX/XX/ at XXXX PDT I was calling my lender, Mohela XXXX to see if I can request for a refund credit for making payments during COVID-19. Since the financial aid website stated this may be possible, I wanted to contact my lenders customer service representative on this request. However, I have been on hold for over 4 hours with no one acknowledging my call. Since there is a time difference, the loan company was closed, and I was not able to request for it. This was Monday was the deadline to request for it.

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

State: CA

Zip: 92354

Submitted Via: Web

Date Sent: 2023-09-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7489465

Date Received: 2023-09-01

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: I applied with the Department of Education to switch from the PAYE IDR plan to the SAVE IDR plan on XX/XX/2023 via their online system ( see IncomeDrivenRepaymentApplication.pdf ). MOHELA confirmed they received the documents on XX/XX/2023 ( see MOHELA cancelled IDR app XXXX ). As repayment is quickly approaching, I wanted to check the status of my IDR application, so I called MOHELA on XX/XX/2023 at approx. XXXX XXXX. The automated system told me that I would receive an update on my pending IDR application within 14 business days. On the morning of XX/XX/XXXX, I received an email letting me know I had correspondence in my online account ( see Correspondence Processing Delay ). Upon logging in, I was able to view the new correspondence, which was actually a letter dated XX/XX/2023 stating that my request would take an additional 90 business days to process ( see XXXX MOHELA Letter.pdf ). I was particularly concerns about this because the Department of Education website stated " [ i ] f you apply for an IDR plan ( such as the SAVE Plan ) this summer, your application will be processed in time for your first payment due date '' ( see SAVE Repayment Plan Offers Lower Monthly Loan Payments | Federal Student Aid ). Being on the SAVE plan is critical to me because it would drop my previous monthly rate from {$220.00} ( see XXXX XXXX XXXX XXXX XXXX ) to approx. {$210.00} per month ( see Student Aid Calculator XXXX XXXX ). Wanting to check my IDR application status further, the MOHELA website indicated that my IDR application was cancelled when logging in on XX/XX/2023 ( see MOHELA cancelled IDR app XXXX ). Concerned about this, I called MOHELA on XX/XX/2023 at approx. XXXX am XXXX. After approx. 30 minutes on hold, I spoke with XXXX who was extremely helpful and told me that the website appeared to be showing an inaccurate status and that my IDR application was actually accepted and my payment should be approx. {$210.00} per month and that I would see this take effect for my XX/XX/2023 payment. Unfortunately, he also informed me it will take 3 business days for me to see anything different in my account. Given the discrepancies between what I can see and what XXXX can see, I would like written confirmation sent via my online account that I am a ) currently on the SAVE plan and b ) expected to only pay {$210.00} per month at this time.

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

State: GA

Zip: 30341

Submitted Via: Web

Date Sent: 2023-09-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7489254

Date Received: 2023-09-01

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: On XX/XX/2023 I submitted an IDR application that is still processing. Later, my account showed as on the REPAYE plan with a $ XXXX payment. Then, it was updated to a SAVE plan with a pending month payment. Then, my account was put on the level plan with an outrageous $ XXXX payment. Then, when I called, I was told that my payment under the SAVE plan would be {$260.00}. MOHELA is incompetent and is wasting my time and money processing my forms for months on end and they keep switching me back to a level plan even though I keep applying for IDR options and am on PSLF.

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

State: PA

Zip: 16602

Submitted Via: Web

Date Sent: 2023-09-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7488793

Date Received: 2023-09-01

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: I qualify for PSLF and the student loan servicer is Mohela. I waived my in school status and it was to be back dated from XXXX of 2020. This document shows as approved with Mohela. They updated my payment counts and loans 3, 4, and 5 are only showing 2 payments. I called MOHELA to get this corrected as they should be showing payments of around 30 for loan 3, 24 for loan 4 and 12 for loan 5. After being out put on hold several times, the individual confirmed with me that they will resend my payments through to get corrected and it should take 2-3 buisness days. This was on the XXXX XXXX XXXX that I called and my payment counts still have not been updated.

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

State: WI

Zip: 535XX

Submitted Via: Web

Date Sent: 2023-09-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7488160

Date Received: 2023-09-01

Issue: Dealing with your lender or servicer

Subissue: Don't agree with the fees charged

Consumer Complaint: Mohela will not provide an accurate accounting of what loans were consolidated and which paid off. I show an XXXX XXXX discrepancy in their total and my documented amounts. The interest rate ( 6.7 % ) is stated as {$110000.00} on XXXX. I have stayed on hold more than 4 hours to be disconnected as they don't want to answer these questions. This is multiple times.

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

State: GA

Zip: 30062

Submitted Via: Web

Date Sent: 2023-09-01

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.