Date Received: 2023-07-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have qualified for 10-year Public Service Loan Forgiveness since XX/XX/XXXX. I submitted the proper applications and PSLF Forms to my loan servicer XXXX in XX/XX/XXXX. XXXX notified me that I meet the threshold for forgiveness and they are awaiting approval from the Federal Student Aid Bureau. In XX/XX/XXXX my loan servicer was transferred from XXXX to Mohela. I have yet to have my loans properly discharged. I contacted Mohela in XX/XX/XXXX and XX/XX/XXXX and they advised me that they were waiting for a response from FSA and to wait XXXX business days. I contacted Mohela again in XX/XX/XXXX. They escalated my issue to a Mohela supervisor who sent an additional request to FSA and advised me to follow up in 30 days. I followed up today and they still have not received a response from FSA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 12065
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: During the Covid pause up until XX/XX/XXXX, I have made payments for my student loans. I requested in XX/XX/XXXX to be refunded for those payments I made during the Covid pause period. The servicer told me to allow 90 days to receive a refund. I have not received a refund. I have called numerous times to get a clear answer and to obtain my refund with no reliable information. One representative told me they havent process the refund. One told me they are waiting on information. I dont know what to do at this point.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I can not get a clear answer on PSLF timeline from Mohela or the Dept of Ed. Mohela and I agree that my last ECF was processed in XX/XX/2022, a year ago, putting me over the 120 required payments to qualify. My account accurately reflects the payment count and I've received a letter that I qualify. Mohela says it's a 90 day process, but it's been a year and my loan has not been discharged. I called about discharge for months, and they claim it will take another 90 business days each time. Every time I call I get a new date for the start date of the 90 days, and no one can tell me why it's been a year.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76123
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loans were discharged through the XXXX program. The loans were transferred to MOHELA because they became the servicer of all XXXX loans in XXXX. My loan was discharged under XXXX with XXXX payments as of XX/XX/XXXX. I was notified of the discharge on XX/XX/XXXX. I made 23 payments after XX/XX/XXXX. I have not been refunded these payments. I made these payments to XXXX XXXX XXXX XXXX but these consolidated loans were transferred to Mohela as the new servicer and they claim because I never made any payments to them, they have nothing to refund. I talked to the ombuds who sent me to XXXX. I complained twice to them with this specifc information and they just said " your loans have been discharged '' I paid 23 payments of approximately {$10000.00} over the XXXX required by the law and am owed a refund that has been lost by the servicer ( MOHELA ) not acknowledged by the prior servicers ( XXXX XXXX XXXX XXXX ) and is being ignored by the federal agency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92065
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My name is XXXX XXXX, I am a soon-to-be ( XX/XX/XXXX ) XXXX old single, XXXX citizen. Due to XXXX XXXX conditions ( XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), I plan to retire effective XX/XX/XXXX, after serving the State government for over 18 years. At that time, my income will be decreased by more than 60 %. Therefore, it is really important to me to know exactly how much loan forgiveness I am eligible to receive. At the urging of my employer, I applied for the Public Service Loan Forgiveness waiver. I completed the application and on XX/XX/XXXX, my employer verified by employment and faxed my application to the US Department of Education, XXXX XXXX. Following is a timeline of events, correspondence and conversations I have had with XXXX and Mohela : XX/XX/XXXX PSLF application faxed by employer to XXXX XXXX XX/XX/XXXX Received a letter from XXXX acknowledging receipt of my PSLF waiver application. The letter also stated that XXXX would reach out to my loan servicer XXXX XXXX XXXXXXXX XXXX to request a transfer of my owed loans XX/XX/XXXX Received a letter from XXXX advising that over the next couple of months, action will be taken on my account XX/XX/XXXX I reached out to XXXX for a status of my account and was informed by XXXX that Mohela would be the processor for my PSLF waiver application. I contact Mohela on that same day and was told that Mohela does not have my PSLF waiver application XX/XX/XXXX - I uploaded my PSLF waiver application to Mohelas XXXX XXXXXX/XX/XXXX XX/XX/XXXX During this period I called Mohela to ask about the progress of my PSLF waiver application. I would get an array of responses, ie. there is no record of my account, they received the upload of my completed application, however, it takes 30 60 days to process. I did not push too much because I was aware of the lawsuit filed by XXXXi on behalf of Mohela, to the Supreme Court, so I figured the organization was in disarray and I that I would contact them again when things settled down XX/XX/XXXX I contacted Mohela and spoke with XXXX. XXXX advised me of the following : o Mohela processed my faxed documents in XX/XX/XXXX o Mohela approved by employer as of XX/XX/XXXX o Mohela should have received the transfer from XXXX XXXX 60 90 days from XX/XX/XXXX o XX/XX/XXXX, XXXX at Mohela would request a manual transfer of my loans from XXXX XXXX o I informed XXXX that I received an email from XXXX XXXX on XX/XX/XXXX, stating that XXXX would be my new loan servicer as of XX/XX/XXXX o XXXX informed me that they have just requested the transfer from XXXX XXXX today! It will take 30-60 days for Mohela to receive the XXXX and that I should call back then. XX/XX/XXXX I called Mohela and spoke to XXXX. XXXX told me that the transfer from XXXX XXXX was still in progress ; it takes 30-60 days to receive and that I should check back in XXXX XX/XX/XXXX I called Mohela ( did not get the name of the person I spoke with ). However, I was told that the loans had been transferred from XXXX XXXX but the loan information has not yet been added to my account ; that it takes up to 20 days for the information to appear in my account and that I should call back after 20 days. XX/XX/XXXX I called Mohela and spoke with XXXX XXXX XXXX XXXX. She told me that Mohela has not received the transfer from XXXX XXXX and that they may have to do a manual transfer. I told her that Mohela told me that the transfer was completed in XXXX by XXXX of Mohela. After approximately XXXX minutes on the phone with XXXX, she told me that she spoke with her supervisor and that they would expedite my situation to upper management. At that point, I was so frustrated that I asked to speak with a supervisor. She transferred my call to XXXXXXXX XXXX XXXX XXXX, a Customer Service Supervisor. XXXX told me that they had received the transfer and was checking as to why it was taking so long to show in my account. After approximately XXXX minutes on the phone with XXXX, she told me that they never requested the transfer from XXXX XXXX and that they would now have to request a transfer from XXXX. The transfer from XXXX would take 30-60 days. It is my plea that someone can assist me immediately. I do not want to spend my XXXX XXXX XXXX XXXX XXXXXXXX and worried that my social security and/or pension may be garnished because I may have to make the choice between feeding and providing shelter for myself or paying this debt! This system is supposed to work ; why not for me! Thank you for your consideration, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I previously filed a complaint back in XXXX, which has now closed. The complaint ID is XXXX. It was closed on the grounds of monetary relief of {$23000.00}, however, my accounts all increased but I have yet to receive the payment and it's been 2 months. So as of right now, my accounts all increased, but I never received my refund.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55024
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have federal student loans that are handled by MOHELA. Account XXXX XXXX XXXX and XXXX XXXX ) Misinformation Concerning Loan Consolidation There are two sets of loans some from XXXX and others from XXXX. I was told by a XXXX worker that if I consolidated my loans from XXXX with the loans from XXXX I could lose some of the loan payment counts. I was scared of risking my loan count of 120 payments so I did not consolidate by XX/XX/XXXX. The XXXX loans were forgiven. If I had consolidated I am learning the XXXX loans would have been forgiven as well. I now have XXXX in loans left to pay starting XXXX of this year. I have written MOHELA about this mistake and have gotten NO response. I am asking that you require MOHELA to a ) all me to consolidate the loans and forgive them or b ) simply forgive them as if I had consolidated them. 2 ) Student Loan Deferment and Payment on Loans not counted I was working at a public interest service corporation and paying off student loans when I was put into deferment against my will due to going back to school in XXXX. I made payments in XXXX XXXX XXXX XXXX and XXXX of XXXX. I believe I should get credit for those payments. I have no idea why I am not getting credit for XX/XX/XXXX. If I was in deferment it was certainly due to hardship.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My problem lies with the counts on my account. I have received different information each time that I called. It seemed that I just needed to wait and then while waiting someone told me that I needed to update my current employment. Not one person mentioned this during the time that I was supposed to simply wait. I then uploaded my documents and someone stated that they would be processed quickly and this was not the case. I have been waiting for quite some time and I think that Mohela should let me know how many counts I actually have in a timely manner. I should be close to forgiveness and I want this to be solved prior to when a payment is due. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2023 I filed a disputed through XXXX in reference to an account that has been placed on my credit account with out my authorization. I also informed XXXX that this debt or loan agency I did not authorize and that It was not mines. XXXX did send me a letter stating that this information is accurate which it is not. I have also filed another dispute in reference to this account that I did not authorize, MOHELA dept today. Date of XX/XX/2023 I, XXXX XXXX XXXX certify that I served my complaint documents to the appropriate addressee by depositing the same in the United States with proper postage prepaid and properly addresses or by email in accordance with the Administrative Procedure Act, 5 ILCS 100/10-25, Section 10-75, on XX/XX/2023 Thank you, Best and kind regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Ive been working for months to get my complete transaction history of my loans from start date of repayment. To date Ive been sent the same document over and over and it fails to include my loan balances. I just want to be able to see how my balance has gone down as payments have been made and Mohela continues to disregard my request and only sends a document that has payments and what was applied to principal or interest leaving me completely out of the loop on my beginning balance, and how balance has gone done against payments made. Idk what more I can do to clearly state what I need from them. Acct # : XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72762
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A