Date Received: 2023-02-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been making qualifying payments on my student loans since XXXX. I was told the correct payment count was reflected on Mohela, but it is not reflecting the accurate payment count I have made to date. I am unable to reach them via email or phone in spite of numerous attempts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am writing because after a year of dealing with Mohela and their massive mistakes, I don't know where else to turn. As background : I graduated from XXXX school in XX/XX/XXXX and entered repayment on my student loans in XX/XX/XXXX. I have been a full-time XXXX XXXX since XX/XX/XXXX. I have worked for only two organizations in the last XXXX years : 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 is a nonprofit government-funded organization providing public defense services to indigent clients. The XXXX is a statutorily- and constitutionally-mandated governmental organization, part of the judicial branch of the Minnesota government. I have been on income-based repayment status since XX/XX/XXXX. I have never had a forbearance ( besides the universal COVID forbearance ). I have never missed a loan payment. I have never had a late loan payment. I completed 120 monthly payments as required in XX/XX/XXXX. In XX/XX/XXXX, I sent in my first Employment Certification Form ( " ECF '' ). In XXXX ( or thereabouts ) XXXX, the federal government said my employment qualified for PSLF. Because my loans were improperly consolidated in XX/XX/XXXX, I qualified for relief under T-PSLF. My loans were properly consolidated and transferred from XXXX to MOHELA in XX/XX/XXXX. In XX/XX/XXXX, MOHELA representatives told me they had not received my ECF from the federal government, and advised me to send in another ECF. In XX/XX/XXXX, I sent in another ECF. In XX/XX/XXXX, MOHELA sent me a notice that my employment was not eligible for PSLF because the State of Minnesota is a for-profit organization. I spent approximately five hours on the phone with MOHELA trying to convince them the State of Minnesota is, in fact, a state. In XX/XX/XXXX, MOHELA said I had no account with their system. After waiting on hold for three hours, the automated phone said, " goodbye '' and disconnected me. In XXXX or XX/XX/XXXX, I filed a complaint with the federal Ombudsman for student loan programs. I never received an answer. On XX/XX/XXXX, I spent several hours on hold. When I reached a representative, she confirmed my account exists. I confirmed the State of Minnesota XXXX is a state organization. The representative confirmed my current ECF would expire on XX/XX/XXXX. On XX/XX/XXXX, MOHELA sent me a loan summary indicating I had XXXX PSLF-eligible payments, 89 PSLF qualifying payments, and 31 payments remaining. On XX/XX/XXXX, I sent an updated ECF to MOHELA and checked the box indicating I qualify for debt relief and requesting any further payments be paused. On XX/XX/XXXX, MOHELA sent me a loan summary indicating I had 131 PSLF-eligible payments, 112 PSLF qualifying payments, and 8 payments remaining. On XX/XX/XXXX, MOHELA sent me a letter acknowledging receipt of my XX/XX/XXXX ECF. On XX/XX/XXXX, MOHELA sent me a loan summary indicating I had 132 PSLF-eligible payments, 9 PSLF qualifying payments, and 111 payments remaining. I received this letter on XX/XX/XXXX. On XX/XX/XXXX, I spent an hour on hold with MOHELA. When I spoke to a representative, she said their systems could not find my account. MOHELA is engaging in Olympics-level weaponized incompetence. This is ruining my life ; I have dedicated my blood, sweat, and tears to public service and have been counting on loan forgiveness to relieve the financial burden of being a XXXX XXXX What can you do to help me?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55811
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have worked for a XXXX XXXX XXXX for 20 years. I have been paying student loans since XXXX. XX/XX/XXXX I filed a complaint to recount my student loan payments. I was missing payment history from XXXX. I sent them my payment history going back to XXXX. I contacted the loan servicer and they told me to request a recount. XXXX XXXX replied and said they received my request. XX/XX/XXXX I received a letter stating my loans were forgiven and I had 120 payment. I was still missing 61 payments from XXXX. XX/XX/XXXX I received a letter that my loans were recounted and those changes were made to my Mohela account. I called Mohela and they have no record of changes. They told me to wait a few months. This is unacceptable. I have been waiting for over a year for my information to be corrected and continue to get passed back and forth between Mohela and the Department of Education who can not give me an answer. XX/XX/XXXX I called the Ombudsman. They told me those 5 years should be added and I should just keep waiting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80550
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I applied for PSLF forgiveness in XX/XX/2021. I requested my payments made during the COVID pause to be refunded to me from XXXX and MOHELA ( once I was transferred ). I did not receive the refund and am now being told I will not because my loans were forgiven. However, I made the request before the loans were forgiven. Also, they did not count my payments made to XXXX from XXXX, which would have given me 160+ payments and qualified me for a refund. XXXX had me listed as in school, which I was not, I was in repayment. When I asked for these to be fixed it was changed to Administrative forebearance. They are only listing me at 120 payments and not counting those years. The amount of money from the Covid refund alone is {$12000.00}. It is not insubstantial.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48864
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: MOHELA is not correctly applying the limited PSLF waiver in a timely fashion. I submitted my PSLF waiver in XX/XX/XXXX and they still have not properly adjusted my account for forgiveness correctly. They are showing 116 eligible and qualifying payments but denied 15 payments as not qualifying because no payment was due for those 15 payments or there was a forbearance period. That is completely false and even if it was true, those payments would still apply under the terms of the limited waiver. I think MOHELA is being fraudulent in their approach here intentionally to prevent loans from being forgiven because they lose interest and also lose accounts that they would have to service for the federal government. This is all about their bottom line and they are not honoring the intent of the limited PSLF waiver and the law. In addition, I have submitted another PSLF form to certify my employment since the last PSLF form was submitted and partially applied as this will take me to 120 qualifying payments, but they told me they won't process my form until XX/XX/XXXX. This is ridiculous and CFPB should know about this and warn consumers. Consumers should contact their congressional representatives and demand more. I will be writing my congressman and senator tomorrow, I've had enough and I am trying to buy a house but this student loan which should be forgiven and off of my credit report is preventing me from doing so. Please help! I've called MOHELA many times and they tell me to keep waiting. I started this process in XXXX, it's now almost XXXX. Thats 240 days, they said it should take 90 days. They lie!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Called on XX/XX/22 and requested refund of payments made during COVID pause. Balance was finally increased on XX/XX/22. Refund should have been in the amount of {$6100.00}, instead it was in the amount of {$5100.00}. Refund was short {$1000.00}. Still need refund of {$1000.00} that was made during COVID Payment pause.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Mohella student loan is reporting that they could not locate me. On XX/XX/30 they asked me to update my information. I promptly logged into the website and updated my information. last week, I received an email from credit journey and I called XXXX and they indicated that Mohella has flagged my account and stated I am unable to locate. This is all untrue, my score has dropped from a XXXX to a XXXX. I have never missed a payment and this is a student loan and all loans are currently on forbearance. Furthermore, regardless of if you can locate me or not, the only thing that should be reported is missed payments. I have contacted Mohella several times to get he run around, long hold times and as of yet it is still not corrected. They have confirmed that they have all the payments, yet they have done nothing further
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had received XXXX emails on XX/XX/XXXX regarding potentially negative activity on my credit report. After reviewing my credit alerts, my student loan lender, MOHELA, reported they had attempted to contact me and were unable to reach me. These seven reports brought my credit score down XXXX points. I contacted MOHELA explaining that I had not received a phone call, letter, or email from MOHELA. I was informed by MOHELA that they in fact did not attempt to contact me. I have no past dues and I am still on my grace period with this lender and therefore should not have been reported negatively. They admitted that they will send multiple credit alerts to ensure people will contact them. MOHELA 's use of false credit reporting has lowered my score as low as it has ever been. The alert mentions they were unable to contact me and had been attempting to when in fact they never had. If they had called, emailed, or sent a letter, I would have willingly cooperated. This hinders my ability to finance my car, pass credit screenings with employers, and continues to cause unnecessary distress. MOHELA will not remove the alerts and claims my score will " fix itself in time ''.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
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: First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. Secondly, MOHELA mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. I am demanding that MOHELA produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). What I am demanding right now is that you guys delete the MOHELA Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
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: First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. Secondly, MOHELA mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. According to case law, XXXX XXXX v XXXX, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. I am demanding that XXXX XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A