Date Received: 2023-02-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Good afternoon, I have been requesting that this erroneous information to be removed for almost 3 years. MOEHLA has NOT responded, and XXXX says its up to MOEHLA to remove the information. I need assistance to be heard in the midst of an ongoing financial hardship for me. Please see attached dispute requests to all 3 bureaus and MOEHLA. 4 ) XX/XX/XXXX Request to DELETE inaccurate information Update credit report XXXX XXXX XXXX XXXX XXXX XXXX, PA. XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA. XXXX RE : ss # - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Request to Delete and correct information that is being reported inaccurately on my credit report that includes my being declined by the SBA / XXXX XXXX XXXX because of various security breaches, and possible tampering with the information that has negatively impacted my credit scores, history, and overall rating. Please review the information, and please re-send information to the 2 creditors that ( may have ) received information that is inaccurate and or erroneous if not just wrong in reference to my fair credit reporting bill of rights. Thank You Respectfully, XXXX XXXX XXXX aka XXXX XXXX https : XXXX Description of Loss or Money Spent and Supporting Documents I have attached the DECLINE letter from SBA. Due to the ( shared ), and inaccurate reporting of your agency ( s ), I was turned down for my SBA Disaster Relief Loan request # XXXX in the amount of : ( XXXX ). I have experienced major financial devastation because of this INACCURATE information being reported. My credit rating is continuing to suffer because the inaccurate information has not been DELETED from my credit history, to allow for a review by the SBA XXXX. Thank You. Respectfully, XXXX. XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS # XXXX / XXXX XXXX Please be advised. I have attached 4 pages that are TRUE copies of my current credit report, that includes the summary of the student loans that were DELETED from my credit report on XXXX, XXXX, XXXX. As to date your agency is still reporting INACCURATE information to the credit bureaus including XXXX ( see attached page ( 4/orange ) and XXXX ( see attached 3 pages/pink ). I have been requesting that this INACCURATE information be corrected as it is continuing to cause financial hardships for me in terms of ERRONEOUS information being provided publically, that is MISREPRESENTATIVE of my otherwise pristine payment history. Please refer to the attached pages : NOTE : It is impossible to have a total debt of : XXXX AFTER 11 accounts have been XXXX out as XXXX BALANCE / XXXX PAYMENT I am AGAIN asking the source of this erroneous, misleading, and inaccurate information to correct AND remove the XXXX, balance owed and correct to information to reflect XXXX BALANCE OWED/ XXXX PAYMENTS DUE from ALL THREE reporting agencies. These NEGATIVE listings must be removed within 30 days according to : Section 611, ( 15U.S.C. 1681i ) of the FAIR CREDIT REPORTING ACT, paragraph 2 Section ( A ). If this matter has not been resolved in this time frame, I will have no option but to take the necessary steps to act in my own best interests. Thank You Respectfully, XXXX XXXX XXXX XXXX ). XXXX MOHELA again Credit Limit Decrease : Student Loan MOHELA/DEPT OF ED lowered your credit limit. Financial Yesterday MOHELA/DEPT OF ED lowered your Credit Limit to {$45000.00}. Source : XXXX XXXX : MOHELA/DEPT OF ED Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : ( XXXX ) XXXX Activity : Education Previous Limit : {$45000.00} New Limit : {$45000.00} XXXX ) RE : ss # - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Request to Delete and correct information that is being reported inaccurately on my credit report that includes my being declined by the SBA / XXXX XXXX XXXX because of various security breaches, and possible tampering with the information that has negatively impacted my credit scores, history, and overall rating. Please review the information, and please re-send information to the 2 creditors that ( may have ) received information that is inaccurate and or erroneous if not just wrong in reference to my fair credit reporting bill of rights. Thank You XXXX XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Please be advised, I am hereby making a formal complaint about the inaccuracies that your agency, recently reported to XXXX XXXX XXXXXXXX XXXX The inaccuracies begin with : 1. The collection accounts : are in fact NOT collections and are covered under the Covid:19 PAUSE from the US Government XXXX 2. The collection accounts that your agency is inaccurately reporting were consolidated in XXXXXX/XX/XXXX. Utilization of credit ( percentage ) The inaccuracy here is that your agency falsely Reported that I was utilizing 95 % of my credit line which is NOT true. On XX/XX/XXXX, my credit usage was below 55 % of my available credit. On XX/XX/XXXX your agency inaccurately reported my credit score to XXXX XXXX XXXX to be : XXXX when your agency on the same day rated my score as : XXXX on XXXX which is your company affiliate. Nothing in your reporting of my credit history is accurate, as well the denial from XXXX XXXX XXXX has caused a drop in my credit scores, I have an inquiry that did NOT result in a NEW line of credit, based on the inaccuracies and obsolete information that your agency is reporting on my Credit report/history. Because of this DENIAL OF CREDIT I would like to receive a FREE copy of my full credit report. I have attached a copy of the original letter of denial AND a copy of a utility to verify my residential address. Please DO NOT make excuses for delaying the process of correcting and DELETING the negative and inaccurate information that your agency is currently reporting that is causing financial harm and undue damage to the establishment of a solid financial base. Thank you for your time and attention dedicated to the resolution and updates to my credit report. I look forward to receiving my FREE credit report. Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93619
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: PSLF forms were mailed to Mohela on XX/XX/XXXX and I had applied for consolidation. US Department of Education instructed us to send Employment Verification for PSLF to Mohela even if they were not our current servicer. Mohela processed that form on XX/XX/XXXX but because my consolidation hadn't been approved or they didn't have my account yet, nothing happened. I reloaded my employment form and they processed it XX/XX/XXXX and it wasn't approved until XX/XX/XXXX. What happened between XXXX and XX/XX/XXXX? As of XX/XX/XXXX, there is still no tracker on my account showing how my prior payments were credited. What was " processed? '' Correspondence from Mohela on or about XX/XX/XXXX, I was told 30-45 days after the application was processed I'd see a tracker. We're now nearly 60 days and nothing. All responses to inquiries are generic and trying to call them requires hours of time and then calls disconnected. Help!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Public Service Loan Forgiveness I submitted a certification form PSLF forms to MOHELA on the following dates : XX/XX/XXXX - Civilian XX/XX/XXXX - Military - XXXX XXXXXX/XX/XXXX - Civilian employment XX/XX/XXXX forms cover my XXXX XXXX and military service. My XXXX XXXX went from was from XXXX. After review I have not been credit for military service time or my XXXX XXXX. I made payments during this time and if public service is credited I would have completed 120 months and be eligible for loan forgiveness. XX/XX/XXXX additional dates at my current XXXX XXXX job. I am requested that this time be counted. MOHELA continues to not credit my public service to reach loan forgiveness. I am requesting that MOHELA review and credit my public service.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I submitted an employment certification form on XX/XX/2023. My PSLF payments have still not been updated. They say to allow for up to XXXX BUSINESS DAYS!!! to process. That is an unreasonable and undue amount of time to wait for payment counts to be updated. They should be updated within a month.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 61832
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I received the attached three notices from MOHELA stating I do not qualify for any PSLF payments or work credits. You will also find attached the fax that was sent to MOHELA after XXXX XXXX transferred my account to MOHELA, causing additional issues, with XXXX XXXX directing me to call MOHELA and MOHELA directing me back to XXXX XXXX regarding my initial and follow up PSLF applications. I have worked for non-profits since I graduated in XXXX. I have worked for my states XXXX XXXX, XXXX, for the past five years alone. I served as one of the first federal navigators under the Affordable Care Act. Every job I worked qualified on the PSLF Help Tool towards PSLF forgiveness. You will find in the attached fax all non-profit/government agency employers for which I worked completed and signed the proof of employment PSLF forms, which have been submitted to XXXX XXXX and MOHELA multiple times. Yet, MOHELA does not show any credits at all for me towards PSLF forgiveness? I consolidated to a DLSCNS Loan at the advisement of XXXX XXXX in XXXX. However, if MOHELA is documenting that I do not have student loan payments to consider because of a XXXX DLSCNS, this is incorrect according to the U.S. Department of Educations website that outlines the limited waiver policy. Policy : Payments prior to a Direct Loan consolidation are also covered by this waiver, so it will benefit those who consolidated their Direct Loans and lost progress toward PSLF as a result. Go to US Dept. of Education PSLF Fact Sheet Even if MOHELA begins counting payments on the XX/XX/XXXX DLSCNS disbursement date, why do I not have any work payment credits from that date to XX/XX/XXXX, when suspended payments began counting towards PSLF credits? Since suspended payments count towards PSLF, that alone should reflect 31 payments. Is MOHELA stating that public service employees who have not accumulated the 120 payments do not qualify for the 31 payment credits during the suspended payment period? Other public service employees received these suspended payment credits to help them accumulate the required 120 payment credits needed for PSLF approval. This suspended payment credit alone would reduce me to roughly five remaining years of student loan payments, rather than seven ( if you count payments starting with XXXX DLSCNS alone ). Policy : Paused payments count toward PSLF and TEPSLF as long as you meet all other qualifications. You will get credit as though you made monthly payments. To see these qualifying payments, show up in your account, you must submit a PSLF form certifying your employment for the payment pause time period. Your count of qualifying payments toward PSLF updates only when you certify your employment. I submitted EMPLOY EE SIGNED PSLF forms certifying employme nt THREE TIMES NOW. MOHELA is never available by phone ( after they write for me to call MOHELA ). Pl ease note on the attached fax the screensh ot documenting my wait time on the phone of over 1.5 hours for just one of multiple call attempts. No one ever answers. XXXX this. Complaint after complaint and multiple news articles regarding MOHELA never having a representative available to speak with student loan borrowers as well as other customer service issues regarding the PSLF program. How is this possible when you have a government contract for student loan servicing? Are they meeting contract measures? Now, I can not get out of MOHELAs automated options to even attempt another wait time to have my questions answered.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I submitted a complaint on Saturday XX/XX/XXXX regarding this issue with the DOE but I called MOHELA to discuss -- once again -- being given the wrong information and instructions. XXXX or XXXX with Mohela told me to go to the FSA site on XXXX XX/XX/XXXX and complete an add a loan form to combine the direct loans they received from XXXX XXXX. I received notification from Mohela regarding the transfer on Saturday XX/XX/XXXX! I knew they transferred because I received notification from XXXX XXXX and went on Mohela 's site and saw they were there. The add a loan form says you can only add a direct loan to a consolidation loan within 180 days. My consolidation loan was processed on XX/XX/XXXX. 180 days would have been XX/XX/XXXX! Mohela didn't even have possession of the loans for me to request they add the loans! I've been begging Mohela to obtain the direct loans from XXXX XXXX since this past summer. They only recently requested them and we had to get a supervisor to get that done! Is it my fault that they didn't receive them until after the 180 day cut off date? They knew about the direct loans at XXXX XXXX for months and did nothing! I called today and discussed with the first MOHELA agent who spoke with a supervisor and said she tried to advocate for me but the supervisor said " there is nothing they can do. '' Really? I am beyond frustrated! I'm sick and tired of being given the incorrect information and having set backs as a result. I know there is someone who has the authority to overturn this terrible decision. I recently spoke with an Aid-Vantage representative XXXX on XX/XX/XXXX who sent a message to, I believe she said XXXX. I had XXXX a supervisor with Mohela on the phone with me and she has opened a case at Mohela as well as DOE. Ive sent XXXX XXXX complaints. XXXX explained that I could have filled out the add a loan form while the direct loans were still at XXXX XXXX, but the only way I found that out is by asking today. I was wrongly instructed by Mohela when inquiring about having the direct loans from XXXX XXXX transferred over that I didnt have to worry about it that they would request them and that the loans could be added together to reflect them same counts. Its not my fault that I inquired about it when I noticed that they were not combined and was told to still complete an add a loan form last Friday, only to see on the form I had 180 days from XX/XX/XXXX. It would have been impossible to know, as I didnt even get notice from Mohela until last Saturday. It was already too late. Its almost like they do it on purpose. I actually had the Mohela XXXX tell me she was advocating for me in XXXX breath, then basically telling me DOE didnt give instructions to add direct consolidation loans together ; probably because they do not want us to be able to get the earliest counts with more recent loans, however, I know it couldve been done had MOHELA not given me inaccurate information..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Per Mohela this complaint should go to the U.S. Department of Education. As the loan servicer Mohela I have already applied for borrowers defense and my application has not been reviewed. Mohela is the servicer for my student loans which means they have the ability to review and forgive the debt that occurred as a result of predatory lending. My loan balance is currently inaccurate. All the loans for XXXX XXXX XXXX amounting to {$33000.00} should be forgiven. I informed the U.S. Department of Labor/Mohela through Borrower defense XXXX case # XXXX regarding this and nothing was done to resolve the matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My credit was damaged by a lender who denied me online access to my daughters account. In 2018, I cosigned for a private student loan for my daughter. I spoke with a representative in early 2018 because I could not gain access to the online account. The representative advised me at that time that, as a parental co-signer, I was not allowed online access to her account. The loan is now in repayment and my daughter has been late on some payments, from what I understand over 30 days, but I did not have online access to confirm. I called them recently regarding a notice in the mail that said we are trying to reach me. When I called, I was informed of the status of the account. I explained and was only then advised I could set up an online account. Within a few days of my call, the lender reported negatively on my credit and I went from over 800 score for years to dropping XXXX points. How can a lender report someone to the credit bureau when they deny access to the very account? I've emailed them and have in writing where at first they said I had access from the beginning. When I wrote back to check their records and said exactly what I was told, they replied 30 days later, that a system update was done in the Fall of 2018, which then allowed access. I never received notice of this. I thought this whole time I could not see my daughters account. Even though I've asked them to respectfully remove the negative report, they say they have made several attempts to call and the account was in fact past due. I've never received a voicemail if they have called, but they have no intention of removing the negative report. I do not think this is fair debt collection practices. I was refused access to this account, never told I could gain access and ave been negatively affected by this lender and I wish only for the negative report to disappear. Thank you for any assistance you may be able to provide.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I submitted an application for Public Service Loan Forgiveness to Mohela in XX/XX/XXXX. I received confirmation over the phone that my application was received and processed on XX/XX/XXXX. I was also provided information to log into my newly created Mohela account. I was able to log into the account and noticed that my last name was spelled incorrectly. To be clear, my name is spelled correctly on my application but Mohela spelled it incorrectly on my account. I called Mohela and spoke to XXXX ( Customer Relations Supervisor ) on XX/XX/XXXX and she indicated that she will send an email to the department that handles the name corrections. I logged into my account again today and the name has not been corrected. I called back and was put on hold to speak with a supervisor, I was on hold for two hours and no one picked up the phone until the call dropped. I called back and once again i was put on hold to speak with a supervisor until the call dropped.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Applied for XXXX before XX/XX/XXXX to be sure I would be eligible for the temporary program relief. Submitted proof of public service from employers of 10+ years. In XXXX I went in to some sort of repayment, forbearance, deferment or hardship all at the guidance of the loan servicer at the time. Never in default. In XXXX by the guidance of the loan servicer I was directed to consolidate my loans, not understanding or be educated that I would be put back at " XXXX '' in regards to payment counts towardXXXX XXXX. Now I'm told after 10+ years of repayment, forbearance, deferment and economic hardship, I only have 17 qualified payments. Servicers never allowed my forbearance to go 12 months consecutively, and was denied any type of forbearance or deferment when I off work duty to on the job injury for 12 months. Put me on a payment plan that I don't even get credit for even though I was still employed. Therefore it appears none of my forbearance, deferment will apply to my account. This is such a hardship for those who should and do qualify but were mis led with wrong information over and over again, and it appears, still are. Those who do work at public service jobs don't have time to sit on the phone for 5 to 9 hours to talk to someone who has no answers. Paperwork is lost and no indication that real help is on the way. The only thing I can get a clear answer on is what my future payment is and that does not look like relief. This situation is a mess. I expect my country to do what was offered and not make XXXX a hardship in its self.This is such a fight. It should be something good.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98682
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A