Date Received: 2023-06-21
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My current loan servicer is Mohela. I have communicated through messages on the Mohela website as well as called their toll free number to determine why my monthly loan repayments are shown at {$820.00} but no representative at Mohela has been able to sufficiently answer my question. My Mohela account shows that my current principal is {$54000.00} with {$0.00} current interest and with a 5.31 % fixed interest rate and repayment remaining over 105 months. I am being told I owe {$820.00} monthly when my payment plan begins XX/XX/2023. This calculation would reflect the correct amount IF based on my original principal of {$70000.00}. My monthly repayment should resume at {$640.00} through my current loan repayment terms. Mohela is resetting my loan payment modifying only the number of payments and not the principal, as such they are charging me approximately an additional {$4000.00} over the life of the loan. They are likely doing this to many other consumers as well. As shown through the Department of Education 's loan webpage at studentaid.gov, " Your loan servicer would base your new payment amount on : 1 ) your current balance of principal and interest and 2 ) your remaining repayment period. Direct link below : https : //studentaid.gov/announcements-events/covid-19 Please see the amortization schedule attached for further details.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2023-06-21
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: Don't agree with the fees charged
Consumer Complaint: Since my last complaint against Mohela, I submitted my final ECF in XXXX for all of my five loans in total. My tracker got updated to 123 payments for two loans and 120 payments for the remaining three loans. The two loans got forgiven a month and half later. However, Mohela and the federal government failed to forgive the remaining three loans even though the loans are eligible for forgiveness. The three loans are still on my record. They were supposed to have been forgiven by now. I have submitted numerous complaints with the federal student aid 's website ( studentaid.gov ) - however, I have NOT had any response whatsoever. I'm including screenshots : the beginning date and case # of my complaint, as well as a screenshot of the latest dates with no response. Mohela has not communicated with me on the progress either. I'm entirely unable to reach both places ' customer service. This has been incredibly frustrating. Too long of a wait with zero responses or communication.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78744
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed a Mohela Department of ED on my Credit Report in which I am not familiar with
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am participating in the Public Service Loan Forgiveness program. My consolidated loans under this program are Serviced by MOHELA. Per MOHELAs website and repeated admission, my 120th and final payment was applied as the XX/XX/22 payment, qualifying the balance of my loan to be discharged in its entirety. It has been over 180 days and still MOHELA recognizes a balance and forecasts future payments due. I wish for MOHELA to follow the federal guidelines pertaint to my loan under the PSLF program and discharge my remaining balance at once.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I requested due to Covid-19 and being the only income for my home I couldnt get these late overdue payments removed from my credit. I tried to defer but as the only income MOHELA wont remove these. Id like them removed so I can improve my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I submitted my Public Service Loan Forgiveness application to MOHELA on XX/XX/XXXX. I waited patiently for the company to acknowledge receipt of my application, verify my ECFs, and transfer my loan from XXXX XXXX to MOHELA. I have never received communication from MOHELA directly notifying me of the status of my loan. MOHELA verified and accepted all of my ECFs on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX notified me by email that the XXXX XXXX XXXX had approved transfer of my loan to XXXX, since XXXX XXXX was ceasing operations. I immediately called MOHELA and XXXX XXXX to check if I needed to do anything. Both groups let me know that I was still in the XXXX day period for MOHELA to transfer my loans to them and that all I should do is wait patiently. My loans transferred from XXXX XXXX to XXXX on XX/XX/XXXX. Once I was in the XXXX day period from my ECFs being accepted, I began to reach out to MOHELA. Representatives from MOHELA told me that they had sent a request to the XXXX XXXX XXXX to have my loans moved to MOHELA. On XX/XX/XXXX, I reached out to the XXXX XXXX XXXX to try to get more information. The Department of Education told me they had no information on my loans- other than that they were currently held by XXXX. They had no information/documentation of a transfer request. The XXXX XXXX XXXX told me to reach out to XXXX. I followed up with XXXX who told me they had no record of a request to move my loan from XXXX to MOHELA. On XX/XX/XXXX, I was advised to file a complaint on studentaid.gov and to reach out to MOHELA. I filed my complaint on XX/XX/XXXX. When I followed up with MOHELA I was told that they would put in a manual transfer request to move my loan from XXXX to MOHELA. On XX/XX/XXXX, XXXX followed up on my studentaid.gov complaint and informed me again that there was no documentation of a request for my loan to transfer from XXXX to MOHELA. I immediately called MOHELA on XX/XX/XXXX to insist on documentation of my transfer request. I was then informed that it will take an additional XXXX days once the request actually clears to get my information into MOHELA 's system. I am far beyond any reasonable timeline for processing my student loans and have no recourse or support to get things processed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello- I believe I am missing months of repayment that should count towards forgiveness. Could you please review the following months? XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ; XX/XX/XXXX ). Also, I was placed in a school deferment when I was not in school and making payments. I graduated from XXXX school XX/XX/XXXX and returned to graduate school XX/XX/XXXX. During this period of time, I was working full time ( not in school ) at a qualifying employer. My employment certification for this time was submitted and accepted. Could you please review this record to that this time can be changed and added to my PSLF counts. I am unable to retrieve information from the service because they are closed ( direct loan servicing/acs ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been trying to get Mohela to process the recertification form for my XXXX student loan forgiveness since XXXX. I have 113 qualifying payments and 120 are needed for public student loan forgiveness. I would reach the 120 payments if Mohela would process my employment recertification form for calendar year XXXX that I mail in XXXX of XXXX and I also mailed a new form in XXXX of XXXX because my file was never updated. I have called and they tell me they will update my file with the form within 2 weeks and nothing is ever updated. Last time the representative XXXX XXXX is the only identification she would provide ) told me that they have missed processing the form because they are being marked as duplicated. I said why, they could not tell me why. When I have asked to speak to a supervisor they tell me it would be at least an hour. I think they are intentionally not processing my form to stop me from getting loan forgiveness. When I ask for a name of who is helping or a badge number for identification -- they will not give me any identifying information. This place is fraud. To be clear, I am not asking CFPB to weigh in on the legitimacy of my PSLF form ( I have worked at the same qualifying employer for over 17 years ) rather asking PSLF to make Mohela comply with the law and process client forms in a timely manner. Moreover, they should not be blocking legitimate PSLF applications from being processed for loan forgiveness. In the uploads I have attached a few things : XXXX. Webpage that shows I am 113 of 120 payments toward PSLF 2. Webpage showing uncertified payments in XXXX. 3. Employment Info shows they have my employment at XXXX XXXX XXXX XXXX through XXXX. XXXX. Documents Received : this shows the forms I have sent in any both marked duplicate. I would have attached the PSLF form, but it does have my SS # and other personal info.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been in the pslf program for years. Recently with the new limited waiver, I was able to have my payment counts update closer to forgiveness. I am now faced with them not looking into why some gaps are missing in my payment counts, as well as an ineligible payment listed that was covered by the limited waiver. I get a different answer why my account isnt being looked into every time I call. I am being told wrong information about my account. This lack of professional is leaving me with 4 months short of forgiveness close to when the payment pause will end. I have taught at a public school for almost 12 years. I know Ive qualified for well over my XXXX counts. I am a single mom of XXXX and will have {$900.00} a month in student loan payments when the payment pause ends if my account isnt updated in time. I am looking for some help, and mohela is giving none.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 71303
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: The school closed in XXXX. My parent loan was illegally charged and I couldn't pay my son 's last year, so he was not allowed to continue. They still added the amount to my account. We tried to resolved but the school closed down. My son has been denied transcripts and thus the opportunity to get degree.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A