Date Received: 2023-06-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This is my 2nd complaint... the issue has still not been resolved since I filed the first complaint. I keep getting told it is being worked on and will be updated soon .... I initially applied for public service loan forgiveness back in XXXX of XXXX when the designated lender was XXXX. After multiple months of back and forth with them on the processing of my application I finally received confirmation that I had met the necessary threshold for forgiveness however I was notified that given the ending of their contract with the Department of Education that my application would be forwarded over to MOHELA for completion. Since that has taken place many months ago I still have not received any notification from MOHELA on the status of my loan forgiveness. In fact the information that they have noted on my payments is incorrect and I have contacted them on multiple occasions via phone and email to indicate such. I even resubmitted my public service loan forgiveness application and certifications to them again so they could see the discrepancies and all they did was cancel my duplicate application. Every time I have made attempts to contact them to gather information on the status I keep being informed that they have an influx of applications and it's going to take a long time to process. I'm told it'll take 30 days, then 60 days, then 90 days by now it has been practically 10+ months since MOHELA has had my application and I still have heard nothing about correction to my payments nor whether my loan has been forgiven. I have emailed them about this on the following dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called them on at least 5 occasions but unfortunately I have not taken down those exact dates.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91010
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: My student loans were consolidated under the company XXXX and I submitted a completed application for PSLF with qualifying payments. The customer service rep at XXXX XXXX assured me payment counts just needed to be updated and I would actually be receiving a refund for overpayment. THENmy loans were transferred to MOHELA. I resubmitted the same paperwork for the PSLF waiver and have contacted them via email and phone. My payment counts moved a bit, but not nearly what I have paid. Ive been a XXXX for 20 years at the SAME place of employment. Employee is verified. I feel that MOHELA is overwhelmed and they are not really looking at my history. The payments are to resume in XXXX and I should be waived for overpayment. Im struggling with how yo proceed. Please help a desperate XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have tried for several months to have late payment reporting on 11 student loan accounts that Mohela then XXXX XXXX XXXX hold. There are a total of 99 late payments on my credit report from XXXX through XX/XX/2018. It has caused tremendous damage to my score. I have disputed this with Mohela, and all credit reporting agencies and it continues to be seen as accurate. It is not, I requested information on forberance and deferment history from Mohela and it shows that I was in forberance at the time of late payments. They still failed to update or remove information and report it as valid, the credit bureaus has done the same, even though I've sent information showing it wasn't correct. I have requested valid paper work, from Mohela showing that I wasn't on a deferment or forbarbance before late payment started, that would have caused it to be past due and seen as accurate but nothing, stating that XXXX XXXX correspondence is something that they do not have. I just do not believe that I would have let 99 late payments hit my account, affecting me in this way. So I requested proof from Mohela, and was emailed though there portal a generic email from a case supervisor stating that after deferment supposedly ended I let it almost go in default and a administrative forberance was placed back dating Loan and the late payments remained valid and they don't do good will credits. Unbelievable I would never, and what good does it satisfy, my credit is worst if not the same from late reporting. It hard going against Mohela using their information that shows different with history report. But they can't furnish the history on administration forberance that I agreed to during that time. Only saying that's what happened with XXXX XXXX and it'll remain.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 42101
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPTARMENT OF ED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied and had payment counts. I was told to combine my other loans which for some reason were not combined by XXXX. Mohela told me XXXX of my XXXX schools did not count and gave XXXX counts. It shows XXXX count in the website and I had way more prior to this consolidation. Also, I can not find my original payment information anywhere. Had access to all of that when I was with XXXX. I am not getting clear information and am currently in the phone with a trainee who is very dismissive, keeps me on hold so I can not talk to someone who is more experienced, and is giving me wrong information. Prior to consolidation of my formerly consolidated loanseverything was clear. Now theyre telling me XXXX. I can not get any straight information. I can not even see my original counts and am told I barely gave any when Ive been paying on these for almost 20 years!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: MOHELA continues to report my student loans as multiple separate loans with varying amounts and dates- all under the same account number - rather than a single account. They have incorrectly reported delinquency days- for example, in one instance it shows 90 days delinquent in XXXX of XXXX but XXXX, XXXX and XXXX are not delinquent. So how can there be a 90 day delinquency? MOHELA has refused to recognize my category XXXX XXXX status as determined by the XXXX XXXX XXXX despite being provided with the information of determination. All three NCRAs are showing 7 delinquent accounts on my credit report but without displaying any actual negative or delinquent account. The only exception is these incorrectly reported MOHELA accounts. I have made previous disputes with the NCRAs and it has not been fixed. As of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( my bank ) sent me an alert because XXXX dropped my credit score by more than 50 points in a single day. It would appear that either the NCRAs or MOHELA ( or both ) are getting ahead of the Supreme Court decision and publishing ruinous and incorrect information related to student loans as all other accounts are in good standing and paid on time. XXXX has a product it uses with banks, and rarely reflects the same as their other products. They are also the flagship that the other two, XXXX and XXXX, follow for reporting. Attached you can see where my score was dropped by XXXX points with no explanation. It also lists my payment history as a " D '' grade but with no actual negative information attached as I DO NOT have ANY delinquent accounts. Which is confirmed in all three NCRA reports, though all three NCRA agencies are also reporting " 7 delinquent accounts ''.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: During the COVID-19 forbearance, my direct federal student loans were transferred from XXXX XXXX to MOHELA for servicing. Prior to the federal student loan pause, I was on the PAYE IDR plan at XXXX XXXX with a monthly payment of around {$200.00}. Federal Student Aid/U.S. Department of Education is extremely clear about what happens after the federal student loan payment pause ends if you were on an IDR plan prior to the pause. Directly from the FSA/studentaid.gov website, in multiple places : " If you were on an IDR plan before the payment pause began, heres how youre affected : Your paused payments will count toward IDR forgiveness. Youll stay on the same IDR plan when payments restart ( unless youve changed repayment plans during the pause ). You dont have to recertify before payments restart and for six months after the payment pause ends. '' " You won't be required to recertify before payments restart, and the earliest you could be required to recertify is six months after the payment pause ends. '' Since my federal loans have transferred, MOHELA is stating my payments once they resume will be {$1000.00} monthly. I spoke with several MOHELA representatives on XX/XX/2023, who are stating that I missed my IDR recertification in XX/XX/2023, so I need to recertify now in order to get back on PAYE IDR plan. This is incorrect. Under the rule of FSA/U.S. Department of Education, I was absolutely not required to recertify at any time during the pause, therefore, I could not have missed my recertification date or have been required to recertify in XX/XX/2023. The earliest I can be required to recertify my IDR plan is 6 months after the payment pause ends. Also under the rule of FSA/U.S. Department of Education, my payment once payments resume should be the amount/plan they were prior to the federal student loan pause, which is around $ 207 monthly on the PAYE IDR .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Apparently they sold my student loans to another company which doubled what I owed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A