Date Received: 2023-03-23
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 am submitting this complaint to express my frustration and disappointment with the way my account has been handled by XXXX XXXXXXXX and MOHELA/DEPT OF ED. Despite never being late on any payment and diligently communicating with the creditor and the credit bureaus, my credit report contains inaccurate and damaging information that has affected my ability to obtain credit and loans at reasonable rates. Specifically, my credit report shows that I have been late on payments or have not paid my account, which is not true. I have always made payments on time and have evidence to support that, including bank statements and payment receipts. Moreover, I have sent multiple letters to the credit bureaus and the creditor, disputing the inaccurate information and requesting that it be removed or corrected. However, to date, no action has been taken to rectify the situation, and my credit report continues to reflect false information. This situation has caused me significant stress and inconvenience, as I have been denied credit and have had to pay higher interest rates due to the inaccurate information on my credit report. I believe that the creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations, and I request that the CFPB investigate this matter and take appropriate enforcement action to ensure that the creditor complies with the law. I appreciate your attention to this matter and look forward to your prompt response. Please let me know if you need any additional information or documentation to support my complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act ( FCRA ) MOHELA/Dept. of ED, XXXX XXXX and XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. MOHELA/Dept. of ED : XXXX. {$3900.00} ( XX/XX/XXXX ) XXXX. {$3300.00} ( XX/XX/XXXX ) XXXX. {$5000.00} ( XX/XX/XXXX ) XXXX. {$3100.00} ( XX/XX/XXXX ) XXXX. {$2500.00} ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. {$6800.00} ( XX/XX/XXXX ) XXXX. {$5100.00} ( XX/XX/XXXX ) XXXX. {$1200.00} ( XX/XX/XXXX ) XXXX. {$3900.00} ( XX/XX/XXXX ) XXXX. {$3000.00} ( XX/XX/XXXX ) XXXX XXXX : XXXX. {$2800.00} ( XX/XX/XXXX ) XXXX XXXX XXXX : XXXX. {$1000.00} ( XX/XX/XXXX )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I work for the XXXX XXXX XXXX XXXX and have my student loans in the PSLF and certify my employment yearly toward loan forgiveness. They received my certification in XX/XX/XXXX twice and still have not applied it and updated my payment count toward my loan forgiveness for the year ending XX/XX/XXXX. I have attached the certification and data showing they show it processed but have not updated my payment count, which should be 60 payments not 48 that I have made!! On top of this I have also been paying on the loans for 26 years on a income based repayment plan, since XXXX, so they should have all already been forgiven anyway as the law states they end after 25 years! As well I also worked for the federal and count government for a total of three years and these payments were never applied to the count either!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously denied and/or processed my XXXX application incorrectly. Mohela is not even processing my XXXX application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake. The attached employment certification form has been sent to XXXX and MOHELA on multiple occasions with no results. The most recent form was sent in XXXX and is still processing, however since the form was sent in XXXX and XXXX and was closed with no adjustment, I do not have confidence that it will finally be processed. I've attached copies of the forms. My SSN and DOB have been redacted for my security, however they are present on the forms that were submitted to XXXX and MOHELA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 12309
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: they are incompetent and are not processing my PSLF applications correctly. I worked at XXXXXXXX XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX and they missed the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the form covered from XXXX to XX/XX/XXXX. I also turned in a form from XXXX that covers XXXX and XX/XX/XXXX and next month I will turn in for XX/XX/XXXX and I qualify for forgiveness. Some incompetent closed all my forms out except for 1 and I had two forms for two different agencies that has to be processed. They left XX/XX/XXXX form open and now the 90 days starts over I had to submit two more forms today. If they can not properly handle student loans they don't need that contract.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Per Mohela document dated XX/XX/23 from I have credit for XXXX payments via PSLF ( Public Service Loan Forgiveness Program ). My credit report is not reflecting the payments being reported. The creditreport is still showing a balance of {$8100.00} and per the same attached letter from Mohela my principal balance is {$7900.00}. Deducting XXXX monthly payments at {$80.00} per month as shown in the attached document from the {$8100.00} on my credit report my balance should show $ XXXXIf we usetheprincipal balance applying the PSLF payments I should a balance of {$3800.00} ( $ XXXX $ XXXX {$3800.00} ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have reached out several times to Mohela regarding the status of my student loans. I inquired about receiving a refund for what I paid during the COVID 19 Pandemic and have not received a straight answer. My loans were originally with XXXX and recently transferred to Mohela. My first contact with Mohela was through their messaging portal on their website on XX/XX/XXXX, XX/XX/XXXX, and XXXX. I received a generic FAQ and not an answer to my question on XX/XX/XXXX. As a result I filed two claims with the XXXX XXXX XXXX that were closed because the company made promises to contact me. I finally received a letter in the mail in XX/XX/XXXX that stated my request was received and that I would receive a check from the US Treasury. I sent a message to Mohela on XX/XX/XXXX and was told that the US Treasury would send the refund within 60 days of receiving the letter. On XX/XX/XXXX I sent another message after not receiving a refund and was told that they could not verify a maximum time to receive the refund on behalf of the US Treasury. I chatted with a Mohela representative XX/XX/XXXX and was told that I had not received a refund because Mohela was working with my previous servicer ( XXXX ) to obtain my payment history. I would like a straight answer at this point as I have waited over 5 months since my initial request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My previous loan servicer verified that my employment at XXXX XXXX applied to my PSLF. However, this loan servicer, Mohela, is now stating that they have that on hold. My loan was just recently transferred to Mohela. I have been on the phone for over 2 hours, and I have been hung up on by the supervisor, who was to call me back. However, the supervisor never called me back. It is clear that they do not want to assist me. I am not sure why my student loan was transferred to them. I never had any issues with my previous loan servicer. Moehla does not have the right to reassess a finding of PSLF forgiveness qualification. It seems like a conflict of interest for them to be managing my loan, as they are the ones who are suing to stop the debt forgiveness given that they want loans to continue thereby allowing them to collect the high interest rates that make paying these loans almost impossible based on the low salaries we are paid at non-profits. See https : XXXX I am very upset at having to rehash something that was already settled. Being in this PSLF and having to work for 10 years for no money is already tantamount to indentured servitude. Must I also be harassed and stressed out having to argue about documentation already provided and approved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been paying student loans for the past 10+ years and have worked in non-profit/government positions throughout, qualifying me for public service loan forgiveness. My student loans have been bounced around multiple times throughout the past 10 years to various servicers. I applied for a consolidation of loans in XX/XX/2022 after my Direct loans had been transferred to MOHELA, and it took until XX/XX/2022 for it to process, which is an excessively long time. I take part in a forum where many people discussed the process taking about a month or two at most. Every process with MOHELA takes an extremely long time, longer than any other company I have ever dealt with. They are reporting that they need 90 BUSINESS days to process a form verifying employment. This process would take a few weeks with my prior servicer. I have also been told after following up regarding getting updated payment counts on my PSLF tracker that they need 90 business days to obtain past payment history for my consolidation loan. I have waited since XX/XX/2022 with no result, but I believe that 90 business days is unreasonable and unacceptable. I am currently eligible for loan forgiveness but I am stuck in a waiting hold. And then from my understanding, it will take an ADDITIONAL 90 business days once they verify I am eligible, for the forgiveness to actually be processed. This time frame is absolutely unacceptable and is holding me up financially as my loans remain on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. I am writing you today to inform you that I am excercising my right to OPT out of having my private public Information shared with the consumer reporting agencies. I am opting out which Is full in my right. Please honor this and immediately delete and remove my Information from being reported to consumer reporting agencies immediately. OPT OUT!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A