Date Received: 2023-04-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48127
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My federal student loan servicer Mohela sent me a notice dated XX/XX/2023 that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On or about XX/XX/XXXX, the US Dept of Education completely discharged my student loan through the Total & Permanent Disability process. It has come to my attention that XXXX XXXX is reporting MOHELA as reporting two ( 2 ) tradelines in which both states the student loans were zeroed out because they were transferred. On the latest tradeline, it is reported that I was severely late in paying MOHELA even though I had been on an IBR with XXXX XXXX monthly repayment. The latest tradeline was also initially reported by XXXX XXXX as being supplied by XXXX XXXX. Thus XXXX was named defendant in a lawsuit along with XXXX XXXX. This complaint is being sent to you in response to a tradeline/credit item that is listed on my XXXX XXXX consumer disclosure sent to me on XX/XX/XXXX. This notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), and debt validation is requested. See Attachment This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that any student loans serviced by your company have been transferred to another and not 100 % paid off through discharge. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, legal action has or will be brought against for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character Injurious Tort and other damages. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will remedy this with any and all legal options. Any listing of any information to a credit reporting repository that could be inaccurate or invalidated should be immediately removed. If your office fails to respond to this debt validation request, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. Best Regards, XXXX XXXX SSN XXXX DOB XXXX Student Loan # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Mohela/Dofed has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX, I submitted my " final '' PSLF application that should have resulted in discharge of my student loans. I have had XXXX of XXXX payments since XXXX XXXX, on XX/XX/XXXX, after no fewer than XXXX phone calls over the last XXXX months, I learned I had to resubmit because of an error. This is after being told previously by Mohela reps that everything was " fine '' and it was just a matter of " time. '' Now, they expect it to be at least another XXXX business days to even process the application, and then another XXXX days to discharge, putting me to at least XX/XX/XXXX before this is over. I asked for an expedited review since they told me previously that my application was good, and was informed they do not do that, even though I've had it done before. Now, my qualifying employer is about to eliminate my position, which is a huge problem considering, to qualify for discharge, I need to be employed there. Mohela has told me " it's fine ; you can leave. We don't call to check. '' I have XXXX different phone calls recorded confirming this, which is legal in my state, and it is indicated in my personal file at Mohela, per XXXX conversation with a rep. However, given the inconsistent advice and, at times, outright lies ( as to not doing expedited reviews ), how can I trust this statement? At this rate, it will take almost a year for me to get my loans forgiven, which is horrific customer service. Had this system operated the way it was intended, I would not be in the terrible position of being about to lose my qualifying job without forgiveness. I fully understand that many people are impatient, but this is a potentially massive problem for me, through no fault of my own, if Mohela does not expedite this review to correct their misinformation shared with me. At this point, the amount of XXXX XXXX XXXX XXXX and XXXX XXXX I've acquired during the last XXXX months in wholly unreasonable, and I simply want this fixed. The financial consequences for me if this is not done are significant and feel like a slap in the face after XXXX years of government and non-profit work.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55372
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Public Service Loan Forgiveness -- Refund Owed for Overpayment beyond the 120 qualifying payments My loans were forgiven on XX/XX/XXXX. The account showed XXXX qualifying payments. I paid from XX/XX/XXXX ( while employed for qualifying employer for over 20 years ) until XX/XX/XXXX. There were XXXX excess payments. XXXX of which were actual payments made beyond my forgiveness date of XX/XX/XXXX. I have all the payment information for Mohela showing all amounts paid each month from XXXX until XXXX.I should received a refund for more that {$6000.00}. My letter from Mohela shows full forgiveness for all loans ( XXXX XXXX ) but no credit for the overpayment.This was a mistake. I called Mohela several times and spoke to someone and they said that they could not help me. They referred me to Department of Education. I waited on hold for over 2 hours. It finally disconnected. I have tried the Ombudsman and not heard back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95476
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have 50 total payments missing from my payment counts for PSLF forgiveness. If the payments were added as they should be, my loans would be forgiven. I had a total of 4 loans, all with the same issue. 3 of the 4 were forgiven in XXXX XXXX. One is left with no explanation. I have taught at the same location since XXXX, and my payment period is certified. I have opened a case with Student Aid and it is still pending. Missing Months include: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28056
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I've made several attempts to contact MOHELA, the lender overseeing the PSLF program ( Note : I don't have an account with them because my loans were forgiven with XXXX but all reconsideration cases for PSLF are assigned to them, so someone there is looking at my cases ). My contact involved the previous lender XXXX as well. When the PSLF waiver came to be, they processed my qualifying employment but discharged my loan BEFORE my old employer was added to my qualifying count. I had consolidated my loans in XX/XX/XXXX, before the waiver came to be. Per my documentation, my loans were discharged on XX/XX/XXXX when they should have been discharged on XX/XX/XXXX. Look at the estimated eligibility dates on the letters from XXXX from XXXX and XXXX of last year. Because I was in the correct loan type and had qualifying employment, I am owed a refund for overpayments from XXXX. I've put in several reconsideration requests, and after a significantly long wait, they all gave me generic responses of 'congrats, your loan is forgiven. ' They didn't look into my case, account, or any documentation I sent them. Here is a timeline : XXXX - XX/XX/XXXX I consolidated my loans to the correct, qualifying IDR payment and direct loan type and transferred loans from XXXX to be serviced by XXXX to be able to start qualifying for PSLF several years before the waiver came to be. I recertified my employment and IDR annually from this point. I never missed a payment throughout my student loan, ever. XX/XX/XXXX This is the date that I KNOW my loan should have been discharged because of my employment records with the updated waiver and the PSLF Notification letter dated XX/XX/XXXX. o Based on my records and in consult with two separate loan provider customer support and several ombudsmen, I am owed a refund of 30 payments from XXXX XXXX XX/XX/XXXX, totaling approximately {$7.00}, XXXX XX/XX/XXXX This is the date that is listed as my account being closed on the Federal Student Loan website I *believe* this is because of a letter dated XX/XX/XXXX, from XXXX updating my payment count to XXXX and the estimated eligibility date as XX/XX/XXXX. XX/XX/XXXX I submitted employment certification information to XXXX the day after the announcement. A qualifying employer has gainfully employed me since the inception of the PSLF program ( XXXX XXXX ). One didnt count before the waiver, so I re-filed a PSLF application on this date with the updated employer information. XX/XX/XXXX, XXXX I spoke with XXXX to follow up on my account ; they resubmitted my former employer for review they saw at the time that my current employer had only been counted. Advised to do a PSLF Reconsideration Request. XX/XX/XXXX - Filed PSLF Reconsideration Request XX/XX/XXXX Received PSLF Notification Update counts and Estimated Eligibility Date for PSLF is listed as XX/XX/XXXX XX/XX/XXXX Received PSLF Notification Update counts and Estimated Eligibility Date for PSLF is listed as XX/XX/XXXX XX/XX/XXXX Student Loans are forgiven due to PSLF waiver under XXXX XXXX XX/XX/XXXX Spoke with XXXX and was advised to do a reconsideration request on studentaid.gov if I didnt see something in a couple of weeks XX/XX/XXXX Filed PSLF Reconsideration Request XX/XX/XXXX Filed a complaint with the Federal Student Aid office. XX/XX/XXXX XXXX office closed my complaint and responded with a generic response about the PSLF program. o I responded to the email as it said I could. I never got a response. XX/XX/XXXX Spoke with an ombudsman at Federal Student Aid. Agreed with me that I should get a refund and advised me to do a reconsideration request. Told the loan servicer to determine the reconsideration request ), and that XXXX was transitioning all PSLF accounts to MOHELA. Sees that the reconsideration request is under review with MOHELA. Advised to contact them if they dont finalize and to reach out under the current reconsideration request. XX/XX/XXXX Spoke with XXXX contact. Stated it was complicated now because of the MOHELA transfer of PSLF program. My account history is with XXXX. I should add information to my reconsideration request ( i.e. the correct discharge date and # of qualifying payments XXXX and that Federal Student Aid used the XX/XX/XXXX discharge date incorrectly. XX/XX/XXXX - Filed PSLF Reconsideration Request, with updated information from the phone call documented above. XX/XX/XXXX Spoke with XXXX at MOHELA, then XXXX with a customer advocacy team transfer. I was told that XXXX XXXX should be responsible to do the refund because they had my account at the time and advised that the Department of Education has to tell the lender. That I should call and speak with a supervisor at XXXX XXXX and it takes 30-60 days typical processing time. XX/XX/XXXX I spoke with an agent at XXXX and was disconnected from them after a 2 hour wait time, they never called back. XX/XX/XXXX Emailed the FSA ombudsman account never got a response. XX/XX/XXXX Called FedLoan back and spoke with XXXX ( a supervisor ). She agreed with me and my case with the number of qualifying payments. She looked at my account on the National Student Loan Data Center and stated that I had pristine account payments since XXXX and SHOULD BE ELIGIBLE FOR A REFUND based on the 169 eligible payments and employment certification. And that the Federal Student Aid office should be reviewed sometime in the next month and asked that I be patient. XX/XX/XXXX - Received a notification in concerns to PSLF Reconsideration Request ( filed on XX/XX/XXXX ) that At this time, we do not have an estimated completion time for your request. Many factors impact our response time, including the complexity of your request, the location of your historical records, and the number of requests we receive. XX/XX/XXXX Received a notification in concerns to PSLF Reconsideration Request, ( filed on XX/XX/XXXX ) that At this time, we do not have an estimated completion time for your request. Many factors impact our response time, including the complexity of your request, the location of your historical records, and the number of requests we receive. XX/XX/XXXX Responded to my email to the FSA ombudsman account dated XX/XX/XXXX never got a response. XX/XX/XXXX - Received a notification in concerns to PSLF Reconsideration Request ( filed on XX/XX/XXXX ) that At this time, we do not have an estimated completion time for your request. Many factors impact our response time, including the complexity of your request, the location of your historical records, and the number of requests we receive. XX/XX/XXXX Called FSA Ombudsman advised again that the case is with MOHELA now and in their queue and I should call them. Also told that my account was apparently transferred/assigned to XXXX on XX/XX/XXXX with no notification whatsoever. o I called MOHELA and couldnt get through their phone line because it requires an account with them ( It wasnt recognizing my SSN or DoB ). I searched the website for another way to contact them. I tried signing up for an account. I tried calling their direct loan XXXX XXXX I couldnt get through in any way to talk to a real, live person. o I tried setting up an account on XXXX and couldnt I tried with my DoB and SSN, but am guessing since I have a XXXX balance with them. I submitted a form email to them this day. o I called back and spoke to another FSA ombudsman who transferred me to the Loan Discharge Forgiveness department. The gentlemen there advised me to upload documentation ( I cant do that because I dont have an account ), that I should e-mail ( I cant theres nothing listed on the MOHELA website ). And I should fax or write a letter because its XXXX. o I tried calling back to MOHELA and did all the normal tricks of an automated system nothing worked. I visited their social media outlets and there is no way to direct message them or leave a comment or feedback. XX/XX/XXXX received a response from XXXX email : Thank you for contacting XXXX. The Social Security Number, Name, and Date of Birth referenced in your e-mail does not match any accounts XXXX currently has on file. Please follow the instructions below to access your federal student loan information on the Federal Students website. You will need your FSA ID. You will have access to more information about all your loans held by the Department of Education here including access to your Master Promissory Note. XX/XX/XXXX submitted Reconsideration Request with all documentation. XX/XX/XXXX received an update to PSLF reconsideration request ( from XX/XX/XXXX ). They didnt review anything from it : Thank you for submitting a Public Service Loan Forgiveness ( PSLF ) and Temporary Expanded PSLF ( TEPSLF ) Reconsideration request. We have reviewed your account. Congratulations! You have received Public Service Loan Forgiveness. Check your online portal at https : //www.mohela.com for information on your student loans. If you are signing into your MOHELA online portal for the first time, you will need to create an online account with MOHELA. Your online portal displays your discharge information, including your qualifying payments and months eligible to become a qualifying payment with qualifying employment. For any additional information on PSLF or TEPSLF contact MOHELA at XXXX. This reconsideration review is closed. Sincerely, Federal Student Aid - I faxed MOHELA a letter on XX/XX/XXXX ( attached ) I haven't heard back from them. - I filed another reconsideration request on XX/XX/XXXX with literally every piece of documentation I have. Haven't heard back yet.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WY
Zip: 820XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I work for a nonprofit and have twice submitted my employer 's cerfication to MOHELA and gotten rejected. This same employer has been approved for most of my past payment periods. The one payment period that was not certified was recently reviewed by XXXX and found to have been denied in error. I uploaded a copy of this letter to MOHELA via the app and they deleted the record. That omitted period alone is the difference between my loans being forgiven with the 120 qualifying payments. The reason why MOHELA says I do not qualify foe forgiveness is incorrect. " You are not eligible yet, as you have not yet made the required 120 qualifying payments necessary to be eligible for PSLF. To qualify for PSLF, you must make 120 qualifying payments. In addition to making 120 qualifying payments, you must also be working full-time for a qualifying employer at the time you apply for and receive forgiveness under PSLF. '' I have both made 120 qualifying payments ( actually, more under the XXXXSLF rules ) and also work for a qualifying employer with a nonprofit status. My employment has not changed in 7 years. See below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | TAX-EXEMPT SINCE XX/XX/2009 EIN : XXXX Classification ( NTEE ) Primary, Elementary Schools ( Educational Institutions and Related Activities ) Nonprofit Tax Code Designation : 501 ( c ) ( 3 ) Defined as : Organizations for any of the following purposes : religious, educational, charitable, scientific, literary, testing for public safety, fostering national or international amateur sports competition ( as long as it doesnt provide athletic facilities or equipment ), or the prevention of cruelty to children or animals.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91702
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/23, as per Mohela 's instructions, I sent a secured message instructing them how to apply an incoming payment sent electronically from my XXXX XXXX XXXX award account. I included the required information such as the loan number and account number to which the payment should be applied and specified to apply it to the principal of the loan. Despite following Mohela 's instructions for payment handling directions, the payment was applied to the interest portion of the loan and not the principal. On XX/XX/23, I finally received a response back from my message indicating that the payment was applied to the account and told that XXXX payment history reflected this. But this was incorrect, as the payment history specifically showed the payment being applied to the interest and NOT the principal, as per my instructions. Mohela intentionally ignored my specific instructions for handling payments even when provided with the information they require.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A