Date Received: 2023-04-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am not receiving credit for payments made on my loans from XX/XX/XXXX - XX/XX/XXXX. My loans were originally placed on an In School Deferment for this time period, but I submitted a School Deferment Waiver form to XXXX XXXX to have this deferment removed from my account. XXXX XXXX approved this request and I have attached these documents to my complaint. During this deferment period I made several payments on my loans and have attached a copy of my payment history from my servicer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Mohela keeps you on customer service calls and doesnt answer the phone. I've been on 3 calls waiting for 2-3 hours to only be hung up on. Mohela does not have an email address. I have not received any help with my loans and they are not providing me with any information about my loan payment history or how to add to my payment of my loan
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93003
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
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 filed a complaint with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX seems to think that my complaint is with Mohela so here goes. I have two student loans still on my credit report ( {$3400.00} and {$850.00} ) after my original student loans were forgiven by public loan forgiveness in XX/XX/2022. The Dept of Ed says I have a {$0.00} balance and that is reflected on my student account. The National student loan database says I have a {$0.00} reflected in their database and Federal Student Aid has written a letter that I will attach to this complaint that also says I have a XXXX balance. XXXX however believes differently and has taken it upon themselves to dispute my request to erase the two balances from my credit report. Instead they said that two multi million dollar companies tasked with the responsibility of transferring my student loans from one location to another was so incompetent in doing so that it is somehow my issue to solve and have left it up to me to fight for myself. Instead of looking at the evidence they are blaming you MOHELA for not successfully transferring my loans. I have also attached a letter from XXXX XXXX XXXX that says that my loans were transferred but XXXX knows better than anyone, obviously. I have also attached a document with what I believe are the two loans in questions. Next to them you will see it says they belong to the DEPT of ED and not XXXX XXXX XXXX XXXX XXXX XXXX XXXX still reporting them? I have tried unsuccessfully to contact someone at XXXX. I have tried unsuccessfully to dispute these accounts with the CFPB and both credit unions because XXXX decided to write a letter claiming the loans are valid. I have included their response here. " Company 's Response The Office of Consumer Advocacy ( ~~OCA~~ ) at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received your recent correspondence through the Consumer Financial Protection Bureau ( ~~CFPB~~ ) portal regarding the status of your student loan account serviced by XXXX XXXX. Please Note : XXXX conducts its student loan servicing operations for federally owned loans as XXXX XXXX on behalf of the U.S. Department of Education ( the Department ). In your inquiry, you requested that your XXXX XXXX account either be removed or updated to report accurately to the consumer reporting agencies since your account was transferred to MOHELA. XXXX performed a comprehensive review of your account. This investigation included the review of all relevant account history and documentation, including any information you provided to us. Based on this review, we determined the information reported is accurate. Credit reporting is valid. The Department advised XXXX XXXX to report the loans as normal using the previous transmission prior to the transferring to MOHELA on XX/XX/2022. MOHELA will have to complete the merge of the tradelines in order for XXXX XXXX to no longer report the loans. '' Please assist me in removing these two loans from my credit report. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43082
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I turned in my Public Service Loan Forgiveness information early last year and had to consolidate with XXXX. XXXX moved to Mohela. I have been working for the XXXX XXXX since XXXX of XXXX constant employment. Prior to having to consolidate for the loan forgiveness waiver, I only had 1 servicer which was XXXX which I paid and have history on payment since XXXX ( before PSLF even started ). Between Dept of Education and Mohela, nobody is processing the remaining payments I have and it's been nearly a year. BOTH the DoEd and Mohela should have my entire file and payment history, my employment has been certified already and my payment tracker has been stuck at XXXX since before mid XXXX. I do not get responses beyond they are working it, I have had complaints with the dept of ed that were closed without resolution and supposedly I had to file a reconsideration ( which I shouldn't have had to do ) but Dept of Ed approved that and said they adjusted something that I have never seen. On the flip side, on a XXXXXXXX page for this topic, multiple times a day there are people posting hundreds of thousands of dollars worth of loan forgiveness for themselves in files that were submitted much longer after mine with me having no resolution. I do not know if Mohela is incentivized to process large value loans first ( I have $ XXXX ) but there is no reason I should not have been processed yet. One employer, one payment history back to XXXX with the entire XXXX payment history uploaded to XXXX and dept of education who has a hand in this. I should not be a year later and still waiting on my payments to post and have forgiveness when I am over payment and over the time period required for forgiveness. Please help. It was stated early on that those of us in the public servant arena with the 120 payment already done would be processed first, yet a year later, no forgiveness and no status, DoEd closes complaints without resolution and supposedly nobody knows anything about my file. I am either being ignored since I filed complaints or I am because I do not have over 100K in debt to forgive. Either way, please help. I put in my time, I should have been easy, I had no issues and always paid
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MOHELA/DEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2017 an 90 day late was reported on my credit report I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing i was late to support your inaccurate reporting on my account, if you can not supply this, please delete this alleged late payment from my credit report for reasons that it is not a invalid late payment the FCRA allows 30 days for this to be rectified
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48382
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am writing you today for assistance with Mohela regarding my Public Service Loan Forgiveness ( PSLF ) application. I have worked for non-profit organizations my entire career. This includes working with homeless teens, at a residential treatment center for young women in crisis, to now, working in higher education. In order to meet promotion requirements, I have had to complete both a XXXX and XXXX degree, which required me to take out student loans. In fall, XXXX, I consolidated my loans and applied for Public Service Loan Forgiveness ( PSLF ) with FedLoan. In XXXX, XXXX, my application was transferred to Mohela. I have XXXX eligible payments, but only XXXX have been confirmed and qualified. The other payments are from when I worked for XXXX XXXX XXXX ( EIN XXXX ) in XXXX, Colorado, from XXXX. XXXX was a 501 ( c ) ( 3 ) and completed IRS tax form 990 up until closing in XXXX ( see supporting documentation ). Under Employment Eligibility for PSLF, it states that the employer must be, A not-for-profit, tax-exempt organization under Section 501 ( c ) ( 3 ) of the Internal Revenue Code ( includes most not-for-profit private schools, colleges, and universities ). XXXX XXXX XXXX ( EIN XXXX ) was a 501 ( c ) ( 3 ) providing residential, therapeutic, and school services to young women in crisis. Mohela states that XXXX XXXX XXXX is undetermined as a qualifying employer with PSLF. This means that none of my payments made while employed at XXXX currently qualify for PSLF. This will not change until Federal Student Aid has changed XXXX status to a qualified employer. I have reached out to Mohela, asking what supporting documentation is required to change this determination, for over a year. They have not been able to provide me with a list of documents and can not explain why it is still under review, years after the Public Service Loan Forgiveness program begun. I have had to guess which documents will meet their requirements and wait for them to be processed to determine if they are sufficient. I recently spoke with a PSLF Specialist at Mohela. They need to determine if XXXX is a qualifying employer, which she said will take an additional six to twelve months. If they determine XXXX is a qualified employer, it will take an additional 90 business days to qualify my payments. Best case scenario, I am looking at an additional year before being approved and my loans forgiven, and then another 90 days for them to be discharged. If they require additional documents, it could mean even more months of waiting and guessing, probably end of XXXXbeginning of XXXX. This means at the very least, it will take almost two and half years from PSLF application to discharge of my loans, possibly more. For privacy reasons, I have included the Tax form 990 from XXXX the XXXX XXXX XXXX filed, along with a XXXX XXXX article with this complaint. I can send additional documentation, if needed. I have given the above documents to Mohela, along with W-2s, IRS tax transcripts, an employment certification form signed by the XXXX XXXX, and SSA income earnings statement, all from XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 99362
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I entered repayment of my student loans in XX/XX/XXXX. Until XX/XX/XXXX, the loan servicer was XXXX XXXX XXXX XXXX XXXX XXXX ). I consolidated my loans with XXXX with my first payment to them in XX/XX/XXXX. My loans were transferred to Mohela in XX/XX/XXXX. I have attempted without success to get documentation of my student loan payments made from XX/XX/XXXX to XX/XX/XXXX from XXXX and Mohela but XXXX and Mohela do not have a record of these payments. I was informed by Mohela to contact studentaid.gov ( Department of Education ) which has informed me to contact my student loan servicer, then informed me to contact XXXX XXXX XXXX XXXX XXXX XXXX ), the prior servicer. As I have paid on this student loan since XXXX and have never been in default, I believe would be eligible for forgiveness under the XXXX year student loan forgiveness program in XXXX. I was hoping to retire that same year as I will be XXXX XXXX XXXX. As I am unable to find a way to contacXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am missing XXXX years of student loan payments in my payment history with no way to verify the payments. Thank you for your assistance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2023, I submitted my final Public Service Loan Forgiveness ( PSLF ) Employment Certification Form ( ECF ) and forgiveness application that should have resulted in discharge of my student loans. This form was received by Mohela the same day. On XX/XX/2023, when I called to check the status of my application, I was told that I had to resubmit the final employment certification form because of an error on Mohela 's end that resulted in a " duplicate form ''. If I resubmit, it will result it me losing my place in line and having to wait an additional 30 days on top of the 75 days I have already waited. On XX/XX/2023, I submitted a XXXX complaint. On XX/XX/2023 I received a response to the XXXX complaint that didn't address my concern. They stated that I should submit another ECF form if I want my employment certified. I shouldn't need to because the XX/XX/2023 form is my final Employment Certification Form that should have resulted in me getting forgiveness. On XX/XX/2023 I am submitting this CFPB Complaint where I am requesting an expedited re-review/audit of the XX/XX/2023 PSLF ECF form that I submitted and Mohela received. When Mohela reviews it, they will find that my payment counts will be updated to over 120 qualifying me for forgiveness.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97124
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Mohela is not correctly processing my PSLF application. They denied my application, mentioning that section 3 of the form was not completed. After further review my PSLF application was filled out correctly, and the denial is incorrect.The PSLF applications I submitted on XX/XX/2023 were for Women & Infants Hospital and The XXXX XXXX . When I resubmitted the application it came back as being denied as a duplicate form. The denial also mentions there is no end date on either application which is also false. Both have either an end date or they are listed as my current employer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: RI
Zip: 02906
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX, I submitted a form to update my Public Service Loan Forgiveness Payment count. I had worked full-time for a non-profit University from XX/XX/XXXX to XX/XX/XXXX, and was eligible to have these payments count towards my payment count using the using the Temporary Waiver. Unfortunately, my lender, Mohela, has not updated the payment count for these months. I contacted them a few months ago, and they said that it should take 90 days for the payment count to update. I contacted them again today, and they said the loans were conditional, even though the signed forms that I submitted showed that I worked more than 35 hours a week. My account number is XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A