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: 7244419

Date Received: 2023-07-13

Issue: Dealing with your lender or servicer

Subissue: Need information about your loan balance or loan terms

Consumer Complaint: Filed for XXXX in XX/XX/XXXX. My student loan was consolidated and transferred to Mohela in XX/XX/XXXX ( processed in XXXX ). I currently have 89 payments confirmed that qualify for the XXXX ( from XX/XX/XXXX to XX/XX/XXXX ). I have contacted Mohela ( XX/XX/XXXX ) to see why the rest of my loan payments from XXXX and XXXX have not been applied, they said they did not receive information from XXXX XXXX. I contacted XXXX XXXX ( XX/XX/XXXX ) and they said they sent information and Mohela has information. I contacted XXXX and they are sending my records ( did in XXXX, but called XX/XX/XXXX and they are resending to me ). I made a complaint with XXXX XXXX to inquire why my loans are not coming thru to be counted as I have been employed with an approved employer since XX/XX/XXXX. Each time I call either servicer they give the standard it takes time. We are approaching a year. No one seems to know who is responsible or how to obtain the records. Each time I call or try and contact them it is a 30 to 1 wait with no help. I want to know that they have the information and timeline for processing ( reasonable timeline ). I will have made 10 years of payments plus over that which should be refunded to me and I know there will be issue with that as well.

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

State: TX

Zip: 763XX

Submitted Via: Web

Date Sent: 2023-07-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7244200

Date Received: 2023-07-13

Issue: Dealing with your lender or servicer

Subissue: Need information about your loan balance or loan terms

Consumer Complaint: I have reached XXXX out of the XXXX payments needed for XXXX. I asked ( via telephone ) Mohela to describe the next steps in writing and they stated they refuse to document this process in writing and I am also " not allowed '' to confirm the next steps with the Department of Education. ( e.g. I can not contact the DOE to confirm that Mohela has sent my case to the DOE to confirm my counts ). Additionally, I was told to wait the XXXX business days before any progress can be confirmed. Yet again another example of Mohela purposely stalling this process.

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

State: CT

Zip: 068XX

Submitted Via: Web

Date Sent: 2023-07-13

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7243738

Date Received: 2023-07-12

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: Requested loan refund in XX/XX/XXXX. FULL loan balance was restored and I received a PARTIAL refund in XX/XX/XXXX. {$9300.00} refund is still missing. Allegedly, check was issued by treasury department but lost in the mail. Requested check to be cancelled and re-issued in XXXX of XXXX and was initially assured that it would take approximately 2 weeks. Called to follow up countless times since ( at LEAST once per month but often more ) and have been assured each time that the refund is being worked on. Eventually, in XX/XX/XXXX, I was told that nobody at Mohela ever submitted the request but that it was done at that time and would take UP TO 90 days for me to receive a refund check. I was told that my loan balance could not be accurately updated since the refund process was started even though I have not received the money back. It is now XX/XX/XXXX ( past the 90 day mark ) and I have not received a check. I called Mohela XX/XX/XXXX and was told the check has NOT been re-issued still. Mohela still refuses to update my loan balance. My credit rating has been affected by this inaccurate debt-to-income ratio as well. It has now been approximately 11 months since I first requested a refund and 5 months since I requested the re-issued check and for my loan balance to be corrected. Mohela has only ever responded to messages by stating that they need more time to look into my issue and that they have up to 15 days to respond but have NEVER reached out to follow-up.

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

State: CA

Zip: 958XX

Submitted Via: Web

Date Sent: 2023-07-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7243550

Date Received: 2023-07-12

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: MOHELA/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX

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

State: OK

Zip: 73159

Submitted Via: Web

Date Sent: 2023-07-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7240550

Date Received: 2023-07-13

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: On XX/XX/XXXX, XXXX a MOHELA representative refused to acknowledge XXXX as a past federal loan servicer. MOHELA refused to acknowledge payment plans and certifications regarding loan forgiveness prior to 2019. These documents should have been transferred by XXXX to XXXX XXXX however- it seems that documents were purged and not transferred.

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

State: NY

Zip: 130XX

Submitted Via: Web

Date Sent: 2023-07-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7239308

Date Received: 2023-07-12

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: While my student loans were discharged through the PSLF program, my payment count was not correct and has not been corrected in the last year that I've been asking for help. I had an additional 22+ payments ( roughly $ XXXX {$14000.00} worth ) that were never applied. I have made dozens of calls to MOHELA and the Dept. of Ed. to try to get help and resolve the issue. I have filed complaints, reconsideration forms, talked to dozens of customer service reps, and have seen no resolution. XXXX was my original servicer. Apparently I reached XXXX qualifying payments in XX/XX/2021, during the time XXXX was my servicer, and prior to being transferred to MOHELA. I'm not sure if that is where the problem lays, but these three agencies don't seem to be able to work together to resolve this issue!

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

State: NC

Zip: 28401

Submitted Via: Web

Date Sent: 2023-07-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7238879

Date Received: 2023-07-12

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: Good morning, I hope this letter finds you well. I am writing to file a formal complaint against XXXX XXXX regarding their mishandling of my loan refinancing and subsequent disqualification from the Public Service Loan Forgiveness ( PSLF ) program. Despite my repeated attempts to rectify this issue with XXXX XXXX, they have failed to take any action, and I believe that their negligence has caused significant harm to my financial future. To provide some background, I am an individual who has been actively participating in the PSLF program with the aim of having a portion of my student loans forgiven after making a decade of qualifying payments while working in public service. I initially reached out to XXXX XXXX to explore refinancing options for my existing private student loans with the expectation that my eligibility for the PSLF program would not be affected, as I was not refinancing my federal student loans. However, it has come to my attention that XXXX XXXX incorrectly refinanced my loans, leading to my disqualification from the PSLF program for all of my federal loans. Upon discovering this error, I immediately contacted XXXX XXXX and requested that they reverse the loan refinancing to reinstate my eligibility for the PSLF program. I provided them with all the necessary documentation to support my case, including evidence of my prior participation in the program and proof of qualifying employment. Despite multiple communications and assurances from their customer service representatives that the matter would be addressed, no action has been taken by XXXX XXXX to rectify this situation. The consequences of XXXX XXXX 's mishandling of my loan refinancing and subsequent disqualification from the PSLF program have been severe. Not only have I lost the opportunity to have a significant portion of my federal loans forgiven under the PSLF program, but I have also incurred additional financial burden due to the higher interest rates and repayment terms associated with the refinanced loans. This situation has caused me undue stress and financial hardship, jeopardizing my ability to meet my financial obligations and plan for my future. This goes directly against their mission to " help people get their money right and have the tools they need to take control of their financial futures. '' I am writing to request the intervention and assistance in resolving this matter. I kindly ask that you investigate the actions of XXXX XXXX in mishandling my private loan refinancing and failing to address my concerns despite my repeated attempts. I do have a case opened with them, and I filed a complaint with the department of education. I also request that appropriate action be taken against XXXX XXXX to rectify the situation, including reversing the loan refinancing and reinstating my eligibility for the PSLF program. I am more than willing to provide any additional information or cooperate with your investigation as needed. I greatly appreciate your attention to this matter and your efforts to hold XXXX XXXX accountable for their actions. I trust that your organization will ensure a fair resolution in this case, and I hope that my experience will help prevent similar situations from occurring in the future. Thank you for your prompt attention to this matter. I look forward to hearing from you soon.

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

State: MD

Zip: 212XX

Submitted Via: Web

Date Sent: 2023-07-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7238488

Date Received: 2023-07-12

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: I have had incomplete loan information on my payment tracker since the transfer from XXXX to Mohela. I consolidated my loans in XX/XX/XXXX and had a momentary reset of payments to XXXX which was expected. Then when my payments counts and trackers were updated they still had 23 payments missing which was similar to the missing payment counts before the consolidation. They are periods in which I was working for an eligible employer. They are not listed as eligible or ineligble. They are simply missing. I have had many different explanations given to me to include " we are not required to update that information '' in my last call. I have filed 2 complaints now through Federal Student Aid Ombudsman office. It took them nearly 9 months to respond to the first complaint. I had attached XXXX sheet tracking of all payments and a note from XXXX XXXX via email where they had agreed to waive an in school deferment but failed to do so. None of this information was reviewed and I was sent a form letter response that did not address the 23 missing payments at all nor has my payment tracker been updated to show their status on the Mohela side. Additionally, XXXX closed the complaint with no option to reply or appeal. Subsequently, I had to start a new complaint that will likely take another 9 months to resolve so I can be sent another form letter that does not address the issue at all. I am detailing the 23 missing payments below for an immediate response. I will go through my congressional channels if this is not resolved swiftly. XX/XX/XXXX Unknown Status/Likely Unrequested Admin Forbearance XX/XX/XXXX Unknown Status/Likely Unrequested Admin Forbearance XX/XX/XXXX Unknown Status/Likely Unrequested Admin Forbearance XX/XX/XXXX Unknown Status/Likely Unrequested Admin Forbearance XX/XX/XXXX Unknown Status/Likely Admin Forbearance for Teacher Forgiveness Application XX/XX/XXXX Unknown Status/Likely Admin Forbearance for Teacher Forgiveness Application XX/XX/XXXX Unknown Status/Likely Admin Forbearance for Teacher Forgiveness Application XX/XX/XXXX Unknown Status/Likely Admin Forbearance for Teacher Forgiveness Application XX/XX/XXXX Unknown Status/Likely Admin Forbearance for Teacher Forgiveness Application XX/XX/XXXX Unknown Status/Likely Admin Forbearance for Teacher Forgiveness Application **Request was made to make these excessive admin forbearance periods, specifically for the processing of teacher loan forgiveness eligible for Public Service Loan Forgiveness ( PSLF ) counts. I believe that 6 months to process this application, placing my account on forbearance without my permission was excessive and unnecessary. ** XX/XX/XXXX to XX/XX/XXXX **I believe this was an in school deferment that I requested be waived via XXXX XXXX XXXX I have sent to both Mohela and XXXX documentation were this request was both acknowledge and accepted by XXXX, but they did not follow through on taking the deferment off. ** XX/XX/XXXX Unknown Status/Likely Unrequested Admin Forbearance **It should be noted that XX/XX/XXXX was counted as a payment toward PSLF on my tracker before this unrequested admin forbearance showed up for XX/XX/XXXX and subsequently I was already in repayment status. **

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

State: AP

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-07-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7237448

Date Received: 2023-07-11

Issue: Dealing with your lender or servicer

Subissue: Need information about your loan balance or loan terms

Consumer Complaint: Federal student loan has not applied limited waiver to 4 months of my 10 year service thus requiring me to work for 4 extra months as part of a ten year agreement.

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

State: KY

Zip: 40741

Submitted Via: Web

Date Sent: 2023-07-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7236153

Date Received: 2023-07-11

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: My loan was transferred from XXXX to MOHELA a few months ago. My payment amount on MOHELA changed from my amount I have been paying for 20 years. I did not request or authorize a change in my loan terms. It changed from $ XXXX to $ XXXX with the same interest rate of 3.5 %. This means my loan would not be paid off in XXXX, as planned, however in XXXX at that new payment amount, in addition to extra interest I would have had to pay. The extra interest would have been at least $ XXXX at the end of paying it at the lower $ 206 monthly payment. I contacted MOHELA on XX/XX/2023. They were able to change my payment back to my amount of {$310.00}, however did not have an explanation as to why the change occurred. I explained to them did not ask for or authorize any payment changes or changes to my loan terms. I am concerned this XXXX have happened to other borrowers and that they will end up paying more money for their student loans, then they also had originally agreed upon and without their permission. I would request an inquiry into the loans recently transferred over to MOHELA, to see if this is a larger issue or only specific to my case.

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

State: CA

Zip: 93455

Submitted Via: Web

Date Sent: 2023-07-11

Company Response to Consumer: Closed with non-monetary relief

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.