Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am currently in school at XXXX for a XXXX program. I started in the XXXX term of XXXX I was able to get financial aid for the XXXX term XXXX. However, now for the XXXX XXXX there seem to be a fraudulent bankruptcy that has placed on the account. My loans were recently transferred from XXXX XXXX to Mohela. I have never had any documents or emails about this status sent to me prior to the bankruptcy being placed on my account. I have only found out after the bankruptcy has been placed on the account. How I found out about the bankruptcy : I had applied to more than XXXX school, upon checking the status for the summer term for Florida XXXX XXXX XXXX, for the Spring term XXXX I was awarded financial aid. I did not accept as I decided to go to XXXX. Upon checking my financial aid account, it shows that the loans are in bankruptcy. The issue : I have never filed for bankruptcy, so I believe this is a huge error. Also, by good credit of almost XXXX not too long ago will most likely be impacted severely. In addition, I am only able to continue going to school on a grade plus loan which is contingent on credit. I am usure the basis for the bankruptcy being placed on the account. I have tried calling several times and I am placed on hold for more than an hour each time with no resolution. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) In addition to not ever being in bankruptcy, I have had no chance to rectify the situation prior to the bankruptcy being placed on my account. I have had no emails or any correspondence stating this would happen prior to the bankruptcy happening. I also can not get anyone on the phone at Mohela to help me with this matter. In addition, I am currently in school in my XXXX week for the summer with pending financial aid to pay for my semester. This is very negligent on the servicers part. They need to ensure they are properly reporting correct information, and if it is incorrect, they need to fix this immediately. They should fix the issue with the credit reporting agencies as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello I am requesting help with getting my student loan payments during the pandemic pause refunded as provided for under the CARES act. I recently had my loans consolidated and transferred to MOHELA for PSLF. Before doing that I requested with my previous servicer, XXXX, to claim the refund for the voluntary payments I made on my federal student loans during XXXX. They did not process the refund before the loans transferred to MOHELA. I then contacted MOHELA after they were servicing my loans and made the same request, knowing that I was eligible for forgiveness soon. Now MOHELA has XXXX my loans but I still have not received the refund for the covid payments. I requested the refund multiple times with both servicers prior to discharge and prior to any consolidation and have really been getting the runaround. I know that in the CARES act if a person requests their COVID voluntary payments on valid federal loans that they are entitled to those payments back. In my case it is a lot of money because I paid into the loans heavily during the pandemic pause since there was no interest and I was not sure if the PSLF process would actually work. It is something around XXXX XXXX dollars that I am entitled to under the CARES act for all the payments I made from XXXX to XXXX. That is not a small amount of money and I just want the benefit of the CARES act as provided by law. I filed a dispute case with the ombudsman for federal student aid on XX/XX/XXXX and after waiting over three months for a response I still have not been contacted by anyone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90815
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have called MOHELA many times trying to get an update on my payments for public loan forgiveness. When my loan was transferred to them over a year ago, I had 98 payments. I have payments that under the temporary waiver count towards loan forgiveness and have not been updated or applied. My payments have almost a year that have not been updated on their systems. A few months is understandable, but over a year is unacceptable. I have enough payments if they count the payments that have not been counted to get my loans forgiven under the public service program. I have been working as a XXXX for 13 years. The lack of accountability on their part has cause me a lot of stress and is affecting my mental health. These payments should have been counted a long time ago. Calling them on the phone is a nightmare.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I consolidated my subsidized and unsubsidized loans in XXXX and XXXX. I believe I was under XXXX at that time. My consolidation went through and I was placed on an XXXX because I was working in XXXX XXXX This year, I reached XXXX out of XXXX payments on my unsubsidized and subsidized loans. I contacted Mohela because my loans all have different counts. Mohela stated that all of them were different loans so the counts wouldn't be updated. I was a little confused because I consolidated. Last week, I contacted Student Aid.gov because it didn't feel right. Student Aid.gov said they see my processed consolidation loan applications and that XXXX didn't mark some of loans as paid in full through consolidation. They instructed me to contact Mohela and have them update the database. Mohela stated that they just administer the loans, they don't make corrections.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My federal loans with MOHELA were consolidated on XX/XX/22. Shortly after consolidation the loans were separated into " subsidized '' and " unsubsidized '' with different qualifying numbers of payments for each. As a consolidated loan each portion should have the same number of qualifying payments, which is currently listed correctly for the " unsubsidized '' portion ( 106 payments ). The " subsidized '' portion is incorrectly listed as 90 payments. MOHELA representatives by phone tell me it's an error for the two portions to have different payment counts and they indicate the subsidized number will be updated to the same, higher number displayed for the unsubsidized portion. However, I am not told this in writing and the representatives do not indicate when this will happen. In response to a payment recount I requested through the CFPB ( complaint ID XXXX ), MOHELA reiterated the same incorrect information that is currently displayed on my profile -- the " subsidized '' portion is listed as 90 payments and the " unsubsidized '' portion is listed as 106 payments. The company 's response provides no justification as to why the consolidated loan has two different qualifying payments count. I contend that a payment count was not done and that the company simply responded with the current, incorrect information listed in my profile. I am requesting another recount. The consolidated loan should have one qualifying payment number of 106 payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/23 I called XXXX to request a refund of payments made toward my student loans during Covid forbearance under the CARES Act. Two separate reps said they would handle that request for me before disconnecting my call. The third rep said I needed to put that request in through Mohela. Mohela submitted the request and twice since XX/XX/23 I have been told they requested payment information from my previous servicer ( XXXX ) and when I ask XXXX about it, they say theyve not received a request from Mohela. At one point a Mohela rep said my request was put on hold because they had to review my NSLDS info since they claim XXXX is not cooperating with them about my payment info. It has now been more than 60 days and more than 45 business days with no movement on this request. I also cant get a clear picture of the status of my request as each Mohela rep tells me something different. I need those payments refunded and I even sent a PDF of the payments from XXXX to Mohela earlier this month to try to help the process and nothing is helping.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My loans have an error in them regarding payments on-time, I've emailed/disputed to the XXXX XXXX and I either get nothing or a VERY vague " itemized '' ( in the most barest of forms ) statement that does not answer my question or provide me with any information as to why the loan went into a derogatory status as it's representing a missed or failure of payment. The thing is, I haven't even had a chance to begin or startup a payment plan yet ..or to speak with a loan XXXX of any sort to start and figure this out. Therefore, how would I be late or missing a payment that was never scheduled let alone made in the first place? Either I need clarification on the issue or this error needs to be fixed asap because given the previous XXXX scenarios- regardless, it's ridiculous to put me on the back burner while my credit report/score burns in a hypothetical dumpster fire. I either need knowledge or a solution to this error, if you could help me out I'd greatly appreciate it. Thank you for your time and efforts!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I submitted my Temporarily Expanded Public Service Loan Forgiveness application to Federal Student Aid on XX/XX/XXXX, more than a full calendar year ago. In XX/XX/XXXX I was notified by FSA that my loans and employer were eligible, and that MOHELA would be my new servicer to complete the public service loan forgiveness process. Not hearing anything from MOHELA for 4 months after that, in XX/XX/XXXX I called MOHELA and was told my case was " on the cusp '' of being resolved. In subsequent exchanges with MOHELA, they say that they have not yet received my loans. I emailed FSA to inquire about this twice, once on XX/XX/XXXX and again on XX/XX/XXXX. Both of those email inquiries remain in review. Meanwhile, in checking the MOHELA web site, I am unable to upload documents related to my case and I have received no direct answer to my emails informing MOHELA that their site contains this crucial glitch, making it impossible to submit updated documents electronically. I understand that there is a historic volume of loan forgiveness requests, but this has been going on for well over a year and at this point I dont even know the current status of my loans/TEPSLF application. I am anxious to get this resolved because every month this continues, I am docked another loan payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 54601
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I qualified for XXXX XXXX XXXX XXXX almost 2 years ago, and my loans have still not been forgiven. The threshold for forgiveness is XXXX payments, and Mohela currently has my account listed as having made XXXX qualifying payments towards loan forgiveness. I contacted Mohela ( the loan servicer ) today, and no one could give me any concrete information on my account status. I have completed all of the necessary forms and continue to update my employment via the XXXX employment certification forms, but no one can tell me when or if my loans will be forgiven. My account is now 22 months past the date that I should have been forgiven, and during that time my loans continue to sit on my credit report and limit my ability to receive financing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: XXXX XXXX XXXX XX/XX/XXXX Address address XXXX XXXX XXXX XXXX XXXX XXXX until XX/XX/XXXX Mohela XX/XX/XXXX Loan # XXXX Loan # XXXX XXXX XXXX XXXX requesting refund for loan paid off to XXXX XXXX XXXXx My name is XXXX XXXX , I became aware of the Lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX in the summer of XXXX. At that point I had paid off the lesser loan with the XXXX It was somewhere around {$2000.00}. I have filed w/ the Dept of edu ( XXXX XXXX to repayment ) in XXXX of XXXX, At that point, one of the XXXX XXXX XXXX loans had been paid off in the amount of XXXX This was a XXXX Loan. In addition, and in addition I was approved under PSLF finally in XXXX of XXXX According to Mohela , and the PSLF department I hit the 120 day count in XXXX XXXX XXXX However according to that department, I would not receive a refund for the paid of XXXX XXXX XXXX loan, because it was paid in full in XXXX.- I also as to date have not had my credit bureau corrected with XXXX, XXXX or XXXX in accordance with the settlement. I have called XXXX, MOHELA, XXXX XXXX, and everyone I can think of to get this straightened out. Per the XXXX XXXX XXXXXXXX Settlement, any funds paid to these loans that existed would be refunded, So, therefore even though the loans I had in total were forgiven under the PSLF program, the date that those met the standard was XX/XX/XXXX. Any funds toward XXXX XXXX XXXXXXXX paid prior to that should be refunded. Here is an excerpt from that letter. provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ). I recently checked my credit reports, which still show derogatory reporting in XXXX another condition of this settlement. I have contacted XXXX, Mohela, XXXX XXXX to repayment with no resolution. Please advise what if any steps need to be taken to receive this refund. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48080
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A