Date Received: 2023-03-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Reporting late payments on my credit report when i have never been on a payment plan with them because i am still enrolled in school they are reporting 90 days past due and this is not right or true at all the late payment for denefits needs to be removed as well the late payments for credit acceptance needs to be removed as well
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48091
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am eligible for loan forgiveness through the Public Service Loan Forgiveness program that grants student loan forgiveness at 120 qualifying payments. I have been submitting PSLF employment verification forms for many years. With the current changes to how payment credit is being given and with the waivers being given, I have over 140 months of verified employment and qualifying payments. However, Mohela is only giving me credit for 112 qualifying payments. For some reason mistakes on Mohela 's part that I have pointed out with customer service representatives on five or more occasions are not being corrected. Also, I am not getting credit for verified employment prior to the year 2011. I have inquired about this on XXXX or more occasions but have not been given an answer as to why this is the case. Because of these issue, I am not receiving loan forgiveness that I have a right to under the Public Service Loan Forgiveness program.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Per requirements for PSLF program, I used the federal self help tool prior to XX/XX/2022. I have worked over combined 41 months for XXXX agencies, most of those months included payments to two separate loan providers, one payment each, until consolidating with MOHELA in fall 2022. MOHELA has finally processed my PSLF application and has listed only 1 of 119 qualifying payments. This is impossible. I have a credit score of XXXX. I would love some advocacy if possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XX/XX/XXXX, I spoke with Mohela regarding PSLF. I was in the process of consolidating my loans to Direct Loans, so that I could apply for PSLF. I was told I could send in my PSLF application as my loans were being processed for consolidation and did so. On XX/XX/XXXX, I used the PSLF tool to find out if my employers were qualifying employers and they were. I obtained the signatures required from all three employers and submitted my PSLF application. -- -- -- -- -- -- - On XX/XX/XXXX, Mohela indicates in my account that my application was received. -- -- -- -- -- -- On XX/XX/XXXX, Mohela indicated that my loans consolidated. I was told in XXXX to give them 30 days to process my PSLF application. In a letter dated XX/XX/XXXX, received a formal letter from Mohela that my PSLF application was received, but my Mohela account says XX/XX/XXXX and I communicated this to Mohela. -- -- -- -- -- - In a letter dated XX/XX/XXXX, I received a letter stating that I did not have enough payment counts to qualify for PSLF with only my current employer listed. They did not have my other 2 employers that I submitted in my application for XX/XX/XXXX included. I called them XX/XX/XXXX when I received this incorrect letter. The Mohela rep pulled my application and verified that I did indeed have all three employers on my application. I was then told to give them 90 days from XX/XX/XXXX to finish processing my form and approve my other 2 employers, which I did not understand as I had the appropriate forms and signatures, and they were considered approved employers on the help tool. I was told that I could have provided false documentation, which is why they need to be approved. I followed up again in early XXXX, but was told the Department of Education had my application and everything was out of their hands and to wait the 90 days. As 90 days from XX/XX/XXXX was XXXX time, I decided I would wait until the new year to call again. -- -- -- -- -- -- I contacted Mohela on XX/XX/XXXX. The rep put me on hold several times to locate my application. The rep came back and told me that the Department of Ed approved my employers in late XXXX, and he was now sending my file to be reprocessed to obtain my payment counts. I asked him how this worked, and he said don't worry, they have the ability to obtain all of my student loan payments made from the Department of Education. He told me to give them another 90 days to get the payment counts, then it might be another 90 days to get the loan officially forgiven after the counts. I told him that as they did not update my employer approval in XXXX without him having to now search for it in XXXX, I would call sooner than 90 days. -- -- -- -- -- -- - Now it is XX/XX/XXXX, I called Mohela and spoke to XXXX, and he tells me that my application was sent back to the Dept of Education to be reprocessed to approve my employers, not to get my payment counts. I told him that on XX/XX/XXXX, I was informed that my employers were approved, and my application was being reprocessed to get my payment counts. He said " no, my employers weren't approved employers at the time of my application ''. I told him this is incorrect, as I used the PSLF tool on studentaid.gov in XXXX prior to submitting my application, and the tool verified my employers as approved. -- -- -- -- -- -- - I asked XXXX for a supervisor and was forwarded to XXXX. I talked to XXXX the supervisor at Mohela, XX/XX/XXXX. She found that as of XX/XX/XXXX, Advantage supposedly submitted my consolidation paperwork wrong, and Mohela had to recreate my Mohela account with the correct information and loan amount. XXXX stated that as a result of this, my PSLF had to be put on hold until my account was corrected. I have now been told to give it 60-90 days from XX/XX/XXXX to have my payment counts updated. XXXX assured me that my PSLF is not being reprocessed all over again, my employers are approved, and they are waiting on Studentaid.gov to update the payment counts. I let XXXX know that what happened is unacceptable, as I did not receive any correspondence that there was an issue with my account or that it was being updated. I instead found out there was a change in my account from an XXXX credit update. At this point, it had been almost 7 months since I submitted my PSLF application XX/XX/XXXX. Also, I am very concerned that it would take Mohela 5 months to detect a problem with my loan consolidated on XX/XX/XXXX in order to receive my PSLF. -- -- -- -- -- -- - On XX/XX/XXXX, I submitted this very complaint to Federal Student Aid and given case # XXXX. I never received any answers from Federal Student Aid. I logged in today, XX/XX/XXXX to find they simply closed this complaint. They did not try to contact me or give any explanation of where my application is. I completed a survey stating I was very dissatisfied with closing my case and not even contacting me, as it has been 7+ months with no resolution. I have done everything appropriately on my end and have even been told that I have done everything appropriately. -- -- -- -- -- -- XXXX XXXX Mohela told me that I have done everything correctly and nothing is my fault. She confirmed that my PSLF is not on hold due to the XXXX lawsuit, as that is a different forgiveness program. She even apologized for previous reps who stated that my employers had to be verified because they had to prove I did not provide false documentation. She assured me that my employers are approved, my payment counts are being worked on, and gave me the following number to contact her : ( XXXX ) XXXX ext XXXX. I tried to call today, XX/XX/XXXX, and I am not given an option for this extension. I keep getting the run around from the automated system. -- -- -- -- -- -- - At this point, XXXX will be 8 months of submitting everything correctly! I should have a dedicated contact with Mohela with direct contact information. I should also have a resolution, as it seems I have been given the run around for almost 8 months now.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60803
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am having difficulty getting my PSLF payment count updated with Mohela. I currently have 12 student loans with Mohela. They were transferred from XXXX XXXX in XXXX of XXXX. When they were transferred to Mohela, Mohela told me in a on their website not to resubmit any PSLF documents since they would receive them from XXXX XXXX and process them accordingly. XXXX XXXX had already processed them. After waiting months for the documents to be processed, I called Mohela and I was informed that while they did in fact have the documents, it would be beneficial for me to resubmit them with additional documents showing my employment during that period. I resubmitted the documents with additional employment information in XXXX of XXXX. On XX/XX/XXXX, I logged in to the Mohela website to see that they cancelled the processing of my PSLF documents without emailing me, sending me a letter in the mail, or calling me. I spoke to Mohela on XX/XX/XXXX. The customer service agent told me that she would put in a request to resubmit the PSLF application but that if I did not see the application updated and the PSLF tracker updated by the time payments are scheduled to resume in XXXX of XXXX that I should submit a forbearance request. This would be in Mohela 's favor and would mean that it would take longer for my PSLF application to be accepted because I would not be making qualifying payments that count towards forgiveness while it's in forbearance. Additionally, if they were processed in XXXX of XXXX, that would have been an entire year of waiting for documents to be processed. It has been 8 months since Mohela has received the documents to process my PSLF application. It should not take this long to process PSLF and I don't appreciate not being informed that my documents have been cancelled. I am being told that it can take a long time, and while I understand that and am being patient, it is almost time for me to recertify and resubmit documents for the next year. I would like to get my documents approved and the payment count tracker updated before payments resume and I have to recertify for my next year 's employment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: It is my belief, The Department of Education, MOHELA, XXXX, XXXX and XXXX d/b/a the UNITED STATES XXXX are all voluntarily , knowingly and intentionally, individually, and personally undeniable aware of criminal acts of mis-administration and malfeasance. Approximately on or around XX/XX/2023 and XX/XX/2023. I sent certified receipt letter to the corporation to remedy and recourse regarding this matter and of course no action were taken by the company as of yet.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I qualified for the PSLF program in XXXX of 2022. I have not received forgiveness despite waiting the 90 business day. There has been limited communication about my status or a possible discharge date.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94510
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied for forgiveness under the Limited PSLF Waiver program. The loan services provider that I am dealing with is Mohela. I submitted documentation on time during the window for forgiveness. I have worked at eligible employers, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the XXXX XXXX XXXX during the eligible period, from XXXX to present. Both employers confirmed my employment and I submitted supporting documentation. My application was submitted in XX/XX/XXXX ( prior to deadline of XX/XX/XXXX ). I consolidated my loans as required and they have been in forbearance since then waiting for a final determination on my forgiveness application. Just recently I received notification that said I was not eligible because I didn't not have any PSLF qualifying payments. But they based that determination by ignoring the last 13 years that I worked for the XXXX ( i.e. federal government ). I made all required qualifying payments. I have tried calling a number of times and am put on hold or given unhelpful responses that do not address the underlying issues. I qualify for the Limited PSLF Waiver based on the eligibility criteria that was provided through the Department of Education materials and website.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/XXXX : I filed a compliant through CFPB due to incorrect payment count with Mohela. COMPLAINT ID XXXX XX/XX/XXXX : Mohela responded to CFPB compliant with 104 payments qualifying payments. I should currently have 111 qualifying payments based on current employment certification through XX/XX/XXXX that has been uploaded to Mohela 's system. They did not accurately add all of my payments that have employment certification documented on the response sheet to CFPB. When I looked at the payment tracker on Mohela 's website, they do not list the dates of XXXX ( 5 payments ). In addition, the math does not correctly add up. The response shows I have qualifying employment certification from XXXX ; XXXX. This should be 111 qualifying payments ( 9 years and 2 months ). I will have an additional 5 current qualifying through XX/XX/XXXX to total 116. Will upload most recent certification to Mohela when HR signs it. Therefore, my loans should be forgiven in XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: My federal student loan was in my credit report owned by the us department of education for XXXX and was in good sranding the loan was then transferred to mohela for the same purpose student loan thaf is still in good standing. My credit score dropped XXXX points because my loan was on my report then went off and was put back on what is the reasoning for this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A