Date Received: 2023-05-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: It is MOHELAs duty to be reporting correct and accurate information to XXXX on my credit report and file, however, they are NOT. MOHELA is reporting payment terms of 999 months to XXXX on my credit report. This is incorrect and makes my credit report appear inferior. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A student loan payment constitutes a transaction. With that said, the reporting of the inaccurate payment terms results in MOHELA & XXXX violating my federally protected consumer rights. To add to this, I did NOT give MOHELA XXXX XXXX written instruction/permission to furnish these inaccurate payment terms on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). Also 15 U.S. Code 1692e, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. It is clear that MOHELA & XXXX have violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Mohela is the servicer of my student loans that are on the PSLF track. They have miscounted a 9 month time period in XXXX that should be eligible as time that counts towards my student loan forgivness. I have worked for over a decade, full time, at my current non profit. I have had XXXX breaks in employment. Mohela has verified that my employer qualifies for loan forgiveness and in all aspects I should be eligible for loan forgiveness. Because they have miscounted a time period, my loans have not been able to forgiven. This process has been going on since XXXX. I have called Mohela several times and I get different answers and false promises. At this point I am not sure when they will fix my loan counts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97217
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was a co-signer on this loan with a relative. While scanning my credit report I noticed that there is a discrepancy/ incorrect information regarding this account. XX/XX/2019 XXXX reported this account as paid and XXXX reports the account as 90 days delinquent on XX/XX/. Due to this error in reporting between both bureaus and the Fair Credit Reporting Act I am asking you guys to please remove this derogatory account from my credit report. It would be tremendously appreciated. I am a military veteran that is trying to make grave changes in my life for me and my family. Thank you for your time.
Company Response: Company can't verify or dispute the facts in the complaint
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted Mohela. They said they can not remove student loan as a negative item. When I first got done with school I had no way to pay it. Due to not having income. Ive been making my payments. Its in forbearances.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I returned to school from XXXX. I was on an IBR with {$0.00} payments. I specifically asked XXXX XXXX to remove the in-school deferment because I was working towards PSLF. XXXX XXXX did not remove the deferment causing me to lose 2 years of payments. I worked full-time 40 hours per week in an extremely difficult public service position while attending school. Being that my payments were {$0.00} on IBR prior to this automatic deferment that I never asked for and furthermore asked to be taken off why would this happen. PSLF states 10-years of public service. I dont think as someone who has read and kept up with PSLF guidelines & done my part should be punished for improper handling of my request by the servicer. I have been trying hard to get this fixed and I have a complaint that has been in review with student aid for about a year. My payments were {$0.00}, I think its highly unethical that I was placed in an automatic deferment to begin with. Then they make all these changes and exclude in-school deferments after the servicers didnt properly do their job. Ive been trying to get his fixed for years, and for years I have been getting the run around.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 66109
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I had student loans with XXXX in 2019, at some point the company changed to Mohela. My monthly payment changed from $ XXXX to $ XXXX. My payment changed in XXXX with no warning. I contacted the company and they told me there was nothing they could do about the payment amount and told me to find another lender to refinance with.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 735XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am under a Public Service Student Loan Forgiveness program with MOHELA. As of last week I have 99 qualifying payments with my current employer, XXXX XXXX. On XX/XX/2023 I submitted IRS W2 Wage and Tax Transcripts for years XXXX proving 24 months of previous qualifying employment. As my former employer is no longer in business, I sent MOHELA W2 documentation from the IRS, but MOHELA is not counting the W2 transcript towards my loan forgiveness. The two years provided would have me above the 120 payments required for forgiveness. I have multiple correspondences via message on their site and phone calls. I attempted to ask why they would not accept the IRS documentation multiple times ( most recently XXXX and XXXX ) and received this response : " We apologize for any inconvenience. If youre unable to obtain a signature from an employer for your XXXX XXXX XXXX XXXX ( XXXX ) application, you must check mark the box on the bottom of page XXXX that indicates that you can not obtain verification. Once that box is checked, your employer will not need to fill out section 4 on page 2 of the application. However, in place of the signatures in section 4, you must submit both W-2s and paystubs along with the PSLF application. '' " If youre unable to provide both W-2s and paystubs, we can accept either the W-2 form ( s ) for each calendar year or paystubs/deposit records for each month of employment. Please note the IRS Form 1040 or tax transcripts that dont include W-2 information are not acceptable proofs of employment. '' " If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday 7 a.m. to 8 p.m., Tuesday and Wednesday 7 a.m. to 7 p.m., Thursday and Friday 7 a.m. to 5 p.m. CT. '' Thank you, MOHELA '' It has been 6 days since I pointed out that the form I sent has the W2 information on it ( not a 1040 ) directly from the IRS and I have no response from them. I am currently awaiting more transcripts from the IRS for my previous employer for the years XXXX. I fully respect and appreciate the PSLF program, but I feel it is unnecessary to be punished to pay more just because my previous employer doesn't exist and can't sign off on my employment. Thank you for your consideration.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44511
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This account was previously with XXXX XXXX, I disputed two inaccurate late payments with them numerous times. Recently, the account was transferred to Mohela and they are reporting the two late payments that are inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98059
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am filing a complaint against MOHELA and the Department of Education for granting me partial PSLF loan forgiveness when I am entitled to full forgiveness under the waiver. I have worked very hard to benefit as much as I can from the PSLF program for more than a decade. I made sure all of my employers starting with my first job in XXXX qualified for non-profit status and that I was on a qualifying payment plan. I submitted employment certifications on a regular basis, and followed every program stipulation including not consolidating my loans in order to prevent my loan payment count from resetting to zero. In a letter from MOHELA dated XX/XX/XXXX, I was surprised to learn that two of my older federal student loans with the highest payment counts were being forgiven during an account adjustment under the Public Service Loan Forgiveness ( PSLF ) waiver. On XX/XX/XXXX, I read a news article covering clarifications made that day by the Department of Education in the FAQ section of the IDR announcement webpage. It stated that borrowers like me with direct loans of differing payment counts are eligible under the PSLF waiver to consolidate their loans and receive the higher PSLF payment counts of the underlying loans. MOHELA and the Department of Education never announced or clarified this extremely relevant section of the waiver directly with borrowers in any form of communication. I have since discovered that this section of the waiver was circulating for some time amongst borrowers in student loan-focused social media groups, all the while MOHELA was advising borrowers like me not to consolidate. Tens of thousands of people have learned through these social media groups about consolidating their loans under the waiver and are receiving full loan forgiveness daily. Other eligible borrowers will be able to continue to have higher payment counts applied to consolidated loans throughout XXXX. However, for those of us that had forgiveness of only the higher count loans before we had the chance to consolidate, we are left with no direct recourse to have full forgiveness applied to our accounts. I called Federal Student Aid ( FSA ) immediately after I learned about the new potential benefit for consolidation for individuals like myself. I was advised to contact MOHELA and submit a new consolidation request. I contacted MOHELA, and the first agent I spoke with again told me inaccurate advice regarding the possibility of payment counts resetting with consolidation. I submitted a complaint with MOHELA, and their response was to have me speak to a customer advocacy specialist. Once I spoke to the specialist, she stated there was nothing she could do to fix this problem but suggested I submit a reconsideration request with FSA. Since then I have received no response, therefore, I have also submitted a complaint with FSA that is under review but with no estimated date it will be completed by. If the complaint is not resolved, I am then advised to contact the FSA ombudsman directly. Furthermore, on XX/XX/XXXX I received a letter from XXXX regarding my student loan consolidation, which incorrectly states that any consolidations done after XX/XX/XXXX would reset my PSLF loan count. There continues to be inaccurate information and poor advice given to borrowers, which unfortunately has significant financial consequences for decades. Some individuals with these hanging loans have been able to get their remaining loans forgiven after an extensive process of filing of complaints with various agencies and getting assistance from their congressional representatives. Others have spent countless hours unsuccessfully advocating for their cases with MOHELA and the Dept. of Education for over a year and a half with no end in sight. The Dept. of Education and MOHELA have failed to apply the benefits of the waiver equitably and consistently to all eligible borrowers. The stress and psychological burden on borrowers who have been left behind can not be understated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33703
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I applied for the Public Service Loan Forgiveness Program ( PSLF ) XX/XX/XXXX. As I sat waiting for any sort of response regarding my application I learned that I could apply for a refund of student loan payments I made after XX/XX/XXXX, when Student loan payments were put into forebearance. In XX/XX/XXXX, per instructions posted on the StudentAid.gov webpage, I contacted XXXX ( my provider at the time ) via phone and requested a refund of {$3900.00}. The customer service representative knew exactly what I needed and even confirmed the amount to which I had paid and expected a refund off. In addition, at the time of the initial request I mentioned having previously applied for PSLF and had recently been notified that my loans would soon be transferred to Mohela. The customer service representative assured me that the loan transfer from XXXX to Mohela would not affect the fact that I was due a refund since payment would be coming from Treasury. However, I was left in the dark with no confirmation of the request via email, phone, or mail. Subsequent calls in to XXXX to check the status of my refund verified that no such confirmation will be provided, and that I just had to wait. Shortly after I made the refund request, in XX/XX/XXXX, my loans were transferred to Mohela. By XX/XX/XXXX I still had not received a refund so I called XXXX to follow up. They said to call Mohela as Mohela is my current service provider. I Called Mohela, to which they found no record of my request from XX/XX/XXXX. I again submitted my refund request, confirming the amount of XXXX, and again left in the dark with no confirmation. However they did give me a timeframe, up to 90 days to process. So again, I waited. In XX/XX/XXXX, I called Mohela to check on my refund status. I was told it was being processed and I should expect the refund XXXX XXXX. End of XX/XX/XXXX, no refund yet. I called Mohela, and they said its on hold because the calculations take longer when the payments were made to another student loan service provider. Again, I was told, could be up to 90 days to process. So, waiting again. XX/XX/XXXX I received a check from Treasury for {$200.00}, the smallest fraction of the amount I expected to receive. I Called Mohela and they confirmed they refunded only what they have record of since my loans were transferred In XX/XX/XXXX. I found this strange since I havent made a student loan payment since XXXX. I was also told thats really all they could do for me because they dont have any data prior to my transfer. I then called XXXX to explain my situation and timeframes. They said I needed to call StudentAid.gov and gave me a phone number. Studentaid.gov insisted they couldnt help me, but a supervisor suggested I call XXXX XXXX XXXX. When I called I ended up at the Pennsylvania State offices ( I am in Nebraska ). Dead End. I called XXXX, again, who ultimately said they cant help me because they are not my service loan provider any longer and that I have to contact Mohela for my request for refund. I am now stuck in this never ending loophole where the one provider is pointing to the other and neither are any help. I am at a loss and where to go and who to contact for my refund!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A