Date Received: 2023-08-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed for XXXX XXXX bankruptcy last year. While other debts reflected this in my credit report immediately, my balance with MOHELA was unchanged until the bankruptcy was discharged. At this point, MOHELA updated their listing on my credit report showing that the balance had been discharged, although never made any changes to my account. When I reached out to them, they confirmed that the loan was discharged and said they were waiting for verification and asked for a copy of the bankruptcy discharge. I sent it to them. At that point, they reinstated the balance on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80631
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XX/XX/XXXX, I submitted a Public Loan Forgiveness form for a previous employer, The XXXX XXXX, who owns a number of charter schools in the state of Michigan. I worked for this employer as XXXX XXXX XXXX from XXXX to XXXX in a charter school owned by them, XXXX XXXX. The organization was not approved as an eligible employer even though their business lies in public education. I have many qualifying payments during this time of employment for PSLF, however, since MOHELA and the Department of Education are not deeming The XXXX XXXX as eligible as a qualifying employer, these payments are not counting towards my forgiveness. If they did I would have over the 120 qualifying payments to be forgiven. To add to this situation, I have asked MOHELA for a review of the employer and supplied additional documentation to them on how XXXX XXXX, owned by XXXX, is a public not-for-profit. I do not believe they read through any of it and still denied the approval because XXXX writes the paychecks. Lastly, I filed for a reconsideration request in order to get XXXX approved as an eligible employer so my payments would count. I did this through the Federal Student Aid website on XX/XX/XXXX. Today, XX/XX/XXXX, I spoke to two different individuals from Federal Student Aid who were not able to access this reconsideration request and could not tell me anything about it. I am beyond frustrated as MOHELA and Federal Student Aid/Department of Education have made this so hard for me when I have been teaching in public education since XXXX and should have my student loans forgiven.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48420
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/2023 I requested a student loan payment refund in the amount of {$1300.00} from Mohela under the XXXX XXXX payment pause. On XX/XX/XXXX, I checked my account with Mohela and my balance had increased by the refund amount. I previously filed a complaint with CFPB and received a response from Mohela on XX/XX/2023 regarding my refund. In the response, Mohela stated that they would manually request the refund and I should see the refund sometime in XX/XX/2023. In XXXX, I still had not received the refund and I reached out to Mohela about it. I was told to wait another 30 days. It has now been 6 months and I still do not have my refund, yet Mohela continues to show my balance as if the refund was sent to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am working toward XXXX XXXX XXXX XXXX ( XXXX ). In XXXX of XXXX my student loans were automatically transferred to XXXX XXXX XXXX. When XXXX XXXX became the servicer of my loans an error occurred during the process. My status was erroneously changed to " In School '' despite me not being enrolled in any educational program during that period. This incorrect status remained in effect from XX/XX/XXXX to XX/XX/XXXX. Throughout this time, I continued making monthly loan payments while working full-time for a qualified non-profit employer, with the sincere belief that I was on track to qualify for XXXX. Due to this status error, my eligibility for XXXX has been severely delayed. I should have been eligible for loan forgiveness in XXXX of XXXX, having met the crucial criteria of making XXXX payments and fulfilling the employment requirements for XXXX. However, this status error has hindered my progress, and I find myself unable to qualify for XXXX on the timeline I rightfully should be eligible for. I have made diligent efforts to resolve this issue with written communication and documentation provided to XXXX, Mohela, and XXXX. None of these actions has resulted in a resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX after graduating college, I am the process of consolidating my loans totaling approx {$160000.00} for the PSFL. At that time Fedloan guided me in the process. I also had a small parent loan approx {$1800.00}. Fedloan advices me to roll it in with the rest and assured me that it would not impact my ability to qualify for any IDR repayment plan not impact my public service loan forgiveness goal in any way. I specifically asked them and they assured me I would qualify for the repay pay as you earn IDR plan. I was placed on that plan for 1 year at which time they contacted me stating they made a mistake and I now only qualified for the ICR plan at 20 % off my income because I included a small XXXX XXXX in my consolidation. I made attempts to fix the situation and was told there was nothing I could do. I have talked to them, XXXX and the federal student aid office with no avail. Today I talked to someone at the federal student aid office who told me their understanding was that once a parent loan is consolidated it is no longer a parent loan and qualifies for all repayment plans. She stated she has been guiding people in this process for years and had no idea this was happening instead. I have filled multiple complaints and basically told too bad. I was lied to and misguided in the beginning and would absolutely never have added that small loan to my consolidation of I had known the effects. It has destroyed my life, caused severe XXXX and XXXX and XXXX, financial stress and feeling hopeless as I will never be able to pay the loan off and the financial hardship is devastating due to their mistake and misleading information. I filed a complaint in XX/XX/XXXX and XX/XX/XXXX to the federal student aid center and was told that Fedloan did not put me on the repeat program and that I had been in the ICR the entire time which is not accurate. I know for a fact what repayment plan I was on and even they informed me of their error my payment amount tripled and my income has not changed. Im not sure what FedLoan did to make. It look like I hadnt ever been on that program but I was and I have a witness who was sitting there with me doing all of this. Please help me. This is my last resort before I file a lawsuit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Mohela initially did not provide me with my financial/payment history as I requested repeatedly. On XX/XX/XXXX a Mohela customer service representative told me that I was in deferment or a forbearance for much of XXXX and XXXX when in fact I was not and was making payments and was in repayment status. Mohela was my loan servicer in XXXX, XXXX, and XXXX. Finally, after several months, the company finally sent me the requested payment history information on XX/XX/XXXX via their online portal. Mohela keeps sending me responses saying that I have XXXX qualifying payments toward Public Service Loan Forgiveness. However, these XXXX qualifying payments do not include all the payments I made in XXXX and payments I made in XXXX and XXXX according to their payment tracker and according to the payment history report dated XX/XX/XXXX which I note now includes all of my payment history. The report provided on XX/XX/XXXX yields a qualifying payment count of more than XXXX. My qualifying payment count is missing approximately XXXX qualifying payments made in XXXX, XXXX, and XXXX. Mohela says that the payment tracker is updated upon confirmation from Federal Student Aid. However, due to Mohela 's handling of my requests and inaccurate reporting ( via a customer service rep ) of my payment status in XXXX and XXXX when they handled my loan, I don't have faith that Mohela has sent over accurate payment information to the Dept of Education/FSA .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94602
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: To Whom It May Concern, I am on an IDR plan ( REPAYE ) for my federal loans. I was with Great Lakes before COVID pause, then with XXXX XXXX, and now with MOHELA ( account number XXXX ). My loans was transferred from XXXX to MOHELA in XXXX. When I was with XXXX, I received emails instructing me to recertify my income in order to continue being on IDR plan although no income recertification was required during COVID forbearance period. Following misinformation by XXXX, I recertified my income on XX/XX/XXXX and the recertification was approved on XX/XX/XXXX. The recertification resulted in much higher payment compared to my payment right before COVID forbearance in XX/XX/XXXX. It is due to XXXX 's misinformation that I am now punished for trying to follow my loan servicer. I should had had the same benefits as everyone else because we were not required to recertify income during COVID forbearance. I have tried to have this fixed by calling MOHELA and but the conversations have not been fruitful. They told me they could not undo the recertification even though from researching online and discussing with others who were in the same situation, they were able to get their recertification undone. Attached documents include : 1. My recertification application on XX/XX/XXXX XXXX. Proof of my monthly payment with XXXX XXXX right before COVID forbearance ( the last email for monthly payment due on XX/XX/XXXX ) 3. My recertification receipt on XX/XX/XXXX ( when I was falsely asked by XXXX to recertify despite being on COVID forbearance )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have made several attempts to get my student loan written off and closed on all three of my credit reports as this is a debt consolidation loan with Fed Loans which was for my XXXX and XXXX XXXX! I started repayment of my XXXX XXXX in XXXX when I graduated then returned to college to finish my XXXX and consolidated my loans with XXXX XXXX, then went to work for the XXXX XXXX IL and XXXX XXXX took them over now Mohela has taken the same loan over from XXXX XXXX!! It is the governments job and responsibility as well as their services to update all accurately, to track all loans when consolidated accurately and to follow the laws and write off student loan debt that has been paid on for 20-25 years but is not yet paid off!!!!!!! I started into repayment in XXXX and this is XXXX so have been paying on mine XXXX yrs!!! I want these loans written off and all information showing correctly in ALL of my credit reports, also their responsibility and job!! I then want my documents mailed and emailed to me showing all has been done and my corrected credit reports mailed to me!!!! I have tried to correct with the Dept of EmploymenXXXX twice, The credit reporting agencies numerous times one is attached which shows they did NOT remove it as they claimed and I want it written off not removed it should show XXXX balance the law states student loan balances are to be written off after 20-25 yrs of payments, it has been XXXX yrs!!! I also have tried to fix with Mohela numerous times and no one has fixed it!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I stopped going to my flight school ( XXXX XXXX XXXX ) and had them return the remained of the loan to Meritize. Meritize was notified on XX/XX/2023 that the remaining balance was being returned and the loan was going to be canceled. Meritize cashed the check, according to the flight school 's bank records, on XX/XX/2023. The money has not posted to my account as of today, XX/XX/2023. The company says the process takes 30-45 days, which I am past now, and I also believe to be fraud. No lender should take 45 days to post a payment while still collecting interest on that money. After I told the company that I thought it was fraud they said the the interest on the returned money would be refunded, however, they would not tell me how much money I still owed. Because of this I am not able to pay off the remaining balance and am therefor still paying interest on the remaining balance. I believe that they are doing this on purpose to defraud me of money. I have called several times and have been contacted several times by email, and they keep telling me that they are going to help me, but nothing seems to ever happen, and I just keep getting charged interest.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 81401
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My Federal loans were transferred to Moehla recently. During the process, my Public Loan Forgiveness payments got lost in the shuffle so i went about rectifying them them. Once I d collected the certifications, I called Moehla because it looked like 2 of 3 loans were ripe for discharge just leaving about 60 payments left on a loan that was never consolidated- the amount of that loan was around $ XXXX. During that call, the representative told me consolidating the $ XXXX loan into the others would be a back door and an extra boost towards XXXX. Please note the consolidation advice was in the call logs when I called back at a later date. Excited, I immediately consolidated the third loan into the other two. Somewhere along the line, I read or heard that consolidation would set the counter to zero. I absolutely panicked, called Moehla who confirmed the notes reflected they told me to do consolidate and after some backpedaling the Mohela rep said it would only temporarily set the XXXX payment to zero qualifying payments and then Id be pushed over the qualifying payment minimum ( XXXX ) to forgiveness. Nonetheless, between XXXX and XX/XX/XXXX, I sent frantic emails asking studntaid.gov and to XXXX to cancel the consolidation as I was in mortal fear Id lose a $ XXXX discharge. I received one responsive email on XX/XX/XXXX at XXXX PM : Hello XXXX, Please accept our heartfelt gratitude for all you do to protect our freedoms and know that your time, commitment, and service are truly appreciated. I called on Friday and left a message on your voicemail. We were able to pull this information from XXXX. We believe this may be what Mohela is suggesting. How does this work if I consolidate loans with different amounts of time in repayment? Assuming your repayment history overlaps for each loan, the consolidation loan will be credited with the longest amount of time in repayment of the loans that were consolidated. For example, say you had 50 months of time in repayment on one XXXX XXXX XXXX and 100 months of time in repayment on another XXXX XXXX XXXX. If you consolidated those loans, you would receive credit for 100 months of payments on the new Direct Consolidation Loan. If your repayment history does not overlap for each loan, the consolidation loan may be credited with more time in repayment than the loan with the longest amount of time in repayment. Using the same example above, if the loan with 50 months of time in repayment included XX/XX/XXXX in repayment status but the loan with 100 months did not, the resulting consolidation loan might be credited with 101 months of payments. This can occur where borrowers relied on different repayment, forbearance, or deferment options on different loans for the same period. We will start processing loans that are eligible for forgiveness later this year. If you have loans with different counts and one of those loans qualifies for forgiveness, you may benefit from consolidating in order to get all of your loans forgiven at the same time. If you do, you would receive forgiveness because the consolidation loan will be credited with the longest amount of time in repayment. Why do I have to apply to consolidate by the end of XXXX? The adjustment will be applied to most borrowers~~ accounts in XXXX. It will be applied only to XXXX and XXXX XXXX loans held by XXXX. If you have commercially held XXXX or any XXXX or XXXX loans, you will need to consolidate them before the end of XXXX to benefit from the account adjustment. Keep in mind that you can locate a listing of military benefits at aidvantage.com/military-benefits. Visiting aidvantage.com will also help you to manage your education loans from anywhere, at any time. You are welcome to call our specialized XXXX XXXX team toll free at XXXX for your XXXX XXXX questions. Were here to help you Monday XXXX to XXXX, Tuesday & Wednesday XXXX to XXXX, Thursday & Friday XXXX to XXXX, XXXX. We truly thank you for your service to our country. Thank you, XXXX XXXXXXXX Military Benefits Phone : XXXX Email : XXXX I then logged in and saw a zero balance in studentaid.gov and Mohela. I emailed Mohela and they responded - that I am starting at zero and have to start all over again. I called this military benefits section again and was advised that they emailed me at XXXX pm on the day the cancellation of the consolidation was due ( XX/XX/XXXX ) at XXXX. The problem with that is twofold : the email i have a copy of says no such thing AND I submitted a complaint on this platform asking it be cancelled on XXXX. I emailed EVERYONE who would listen. Theres an official case stamp about it in here. This is not the intent of the administration- to saddle a borrower with $ XXXX that was paid off a week ago. When I originally called XXXX and they told me to consolidate CONSOLIDATION WASN'T EVER ON MY RADAR. I am distraught. Obviously, I did not put myself in a situation to pay 10 more years on almost XXXX. I did so at the instruction of the representative. Further, I continue to get contradictory information from XXXX, XXXX and Mohela about what is happening. I just spoke with Mohela again who told me that i will get all payments credited even though in writing from their email portal it says differently. I need this corrected, permanently. Moehla, aidvantge and studentaid should not be allowed to process any action that puts a borrower further from discharge than they were originally. Its predatory. Im asking that both my situation be personally remedied and that Mohela be on notice that this behavior will be sanctions. More screenshots and documents available on request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21146
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A