Date Received: 2024-01-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Not only is the information being reported to the consumer reporting agencies inaccurate but also I have the right to privacy under 15 USC 1681a ( 4 ). There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Violating these laws makes you civilly liable should I be forced to resort to legal action.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34476
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: All my student loans should be on XXXX. I applied for XXXX in XXXX but Mohela only put some of my loans on XXXX because some loans had a grace period and some loans didn't have a grace period. Some loans are from before XXXX school and some loans are from XXXX school. Some loans had been in repayment before and some loans hadn't. Mohela has no process for automatically applying XXXX to loans after grace periods end. Instead they just put loans that fall off grace period on LEVEL. They force me to apply for XXXX a second time with all the same information as the first application. This hasn't been processed since XXXX, it is now the middle of XXXX. I have called so many times. Just recently I was on hold for over an hour and never got to a human. Despite talking to a supervisor a couple months go that put me on admin forbearance they still didn't fix my loans. The supervisor said that my loans should have automatically all been put on XXXX and that Mohela messed them up. She told me that they would put me on forbearance until XXXX and get it sorted out. My forbearance is now ending in two weeks and my loans are still not fixed. They are accumulating interest that shouldn't be accumulating. They say I owe {$1700.00} a month on my LEVEL loans and {$30.00} a month on my XXXX loans. ALL MY LOANS SHOULD BE ON XXXX! They are stealing {$1700.00} from me this month and thousands $ $ $ of interest is accumulating all because they can't do what they are supposed to do. How many thousands $ $ $ are you going to let them steal from me? I can't get the forbearance extending because I can't get through to a human. I'm a XXXX XXXX. Do you think I have time to sit on the phone all day long while I'm supposed to work XXXX hours a week seeing patients? Does this country just want me to default on these loans? Do you just want to steal more money from me after already making me pay hundreds of thousands to become a XXXX. Should I just let patients die while I try calling Mohela for hours and hours, month after month. They will not answer. They will not fix anything. I have sent them almost 100 messages through their website. They never respond. They never fix anything. PUT ALL MY LOANS ON XXXX!!!! XXXX XXXX XXXX JUST FIX THIS XXXX XXXX YOU ARE STEALING THOUSANDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FROM ME!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: XX/XX/XXXX to XX/XX/XXXX I have argued this situation from the beginning of time I found out about Myself XXXX XXXX XXXX XXXX when l was in middle school I was rewarded a chance to receive a XXXX year scholarship from XXXX XXXX if I completed high school which I did and received My scholarship and chose to go to XXXX school to work and XXXX XXXX XXXX XXXX XXXX I never filled for a student aid assistance or a loan if it happen I was unaware and wouldn't have authorized any type of signing on My behalf or My parents I was not informed or My Parents informed of a student loan public or private it doesn't meet compliance standards per CFPB USC.15.6802 My personal and private information has been Breached due to the sharing of My consumer reports it is a negative and derogatory item that prevents Me from gain personal and financial gain to credit or financial stability and I ask it be investigated and removed immediately from My consumer reports on this date of XX/XX/XXXX I opt out of any of My personal or private information be shared with any creditors and also financial institutions and services that don't provide Me with a XXXX number and offering lines of credit or credit and authorized by Myself XXXX XXXX XXXX be considered unauthorized and fraudulent and should be verified by Myself XX/XX/XXXX My personal and private information is all over the dark web due to third party entitys sharing My information unauthorized and I demand it stop and alerts be put ony name consumer reports social security numbers personal and private accounts please any assistance towards My situation would be and truly gratefully appreciated Thank You
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46208
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The PSLF application was completed and certified by my employer. I received a letter from Mohela indicating my form was incomplete because it wasnt certified by my employer. I called and the representative reviewed my form and agreed that it was completed and certified by my employer. She said she would escalate so that the mistake could be corrected. Today, I received a message indicating that they couldnt certify my application because it was signed in XX/XX/2023 and I would need to submit a new application. Thats crazy. I replied to their email that they should approve for the timeframe indicated on the form! Ill resubmit for the next time period of my employment-XXXX XXXX onward. Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have submitted my loan forgiveness XXXX ago and was told my company was approved and to finish submitting my paperwork. I submitted it over XXXX XXXX ago and not have heard anything back at all. In addition to that I have not been able to get statements from company, when I do get a statement it says that I have leas than XXXX XXXX to pay the bill.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: To Whom It May Concern, I am writing this letter as explanation that I was billed in error by MOHELA for the month of XXXX in excess of {$490.00}. Attached with this letter to my account, are documents from XXXX XXXX prior to my loan servicer switching to MOHELA as well as a screenshot of the XXXX website. Upon reviewing the documentation as well as the laws and regulations during the XXXX student loan pause, my student loans were in a PAYE ( type of XXXX ) plan and were not transferred over to MOHELA as such. Instead as I have recently discovered through phone calls with MOHELA, that I was not placed on an XXXX plan and instead a level plan. Per the laws and regulations clearly stated on the XXXX website as well as my XXXX XXXX communications, I did NOT have to renew my XXXX plan during the pandemic pause. I was remaining on the XXXX plan. Legally, MOHELA nor XXXX XXXX has the right to switch me off of my IDR plan and request additional money from me. As a matter of fact, when I received communication from MOHELA on XX/XX/XXXX, I noticed that some of my loans were still listed as in school status so I called MOHELA over the spring/summer to have this corrected as I did not want to get penalized for having the incorrect information on my account. As a result, MOHELA told me to call my school directly who would make the adjustment on their end and it would flow over. I did not receive any other communication from MOHELA until XX/XX/XXXX with a very long list of each of my loans status change and a summary stating that my enrollment status was changed to Graduated on XXXX I then received subsequent documentation from MOHELA stating that my total payment would be XXXX starting in XXXX XXXX XXXX Then when I logged into the MOHELA website in late XXXX, I found my payment was now listed at {$1500.00} instead of the XXXX I was originally told by MOHELA. At this time I tried calling a total of XXXX times to MOHELA on different days and times between XXXX and XXXX. Due to the lack of staffing and preparedness by MOHELA for the XXXX pause end, I was left on hold for hours on and then hung up on without connecting to a person. I was without answers and forced to pay an exorbitantly high payment or else my credit would suffer. In XXXX, I was finally able to connect with someone and switch my plan back onto XXXX, which I should have been on in the first place. I filled out the needed paperwork and then was told that my loans for XXXX and XXXX would be put into administrative forbearance and I asked for a refund on my XXXX prior payments since they were in error. This now leaves my XXXX payment left because my administrative forbearance did not cover the first incorrect payment that was made. I am requesting that you either put my XXXX payment under the administrative forbearance or that you correct the payment total to be equivalent to my current monthly payment of {$1000.00} due to administrative errors and hardship caused on my account. If you request further documentation or have further questions please contact me directly at XXXX. I will be sending a copy of this letter to the State of Massachusetts where I reside as well as the Consumer Finance Protection Bureau. Thank you, XXXX XXXX Account : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02138
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Struggling to repay your loan
Subissue: Problem with your payment plan
Consumer Complaint: I have not had a chance to reach them to request information. Mohela is so confusing and they are never available within the hours they have posted online. When repayment restarted, the payment was lower. My income has not changed since repayment started, but now they are saying that my payment has changed. It was {$380.00}. Now on two different pages on my account show two different amounts. My " Home Page Payment Information '' shows that starting XX/XX/XXXX, I have to pay {$800.00} a month. I absolutely can not afford that. Then when I go to my " Account Overview, '' it shows that my monthly payment amount is XXXX. I don't understand and I'm scared. Mohela is the worst company who has ever had my loans and it feels like they want to make the payments unreasonable so they can charge late fees, which will add interest and give them more money. '' I don't know what to do. I am going to try to call again over the next several days, but it's either extremely long hold times and then your call gets " accidentally '' hung up or long hold times and then they say they are closed even though I called within the hours posted that they are open. I feel like I will die and these loans will still not be repaid. I'm scared!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have requested a refund of my payments made in XXXX, XXXX and XXXX, per email sent to me from Mohela, below. They have not refunded me and have not provided me with a response. " Your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XX/XX/XXXX, through XX/XX/XXXX. You are not required to make a payment until XX/XX/XXXX and your account will not be considered delinquent. Be on the lookout for your next billing statement.. You may also, instead, contact us to request a refund for any payment made during this time. If you are enrolled in XXXX Debit, monthly payments will continue to be withdrawn for your regular amount due each month plus any additional recurring amount you have requested. This will occur even after any payments you made for a due date in XXXX through XXXX have been applied toward your future payment ( s ). ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: MOHELA became my loan servicer during the COVID payment pause. I would call and no one would pick up. Eventually payments resumed for XX/XX/XXXX. Since MOHELA didn't send my statement in time, I was placed on admin forebearance until XX/XX/XXXX. I applied for SAVE/REPAYE on XX/XX/XXXX, and spoke to a phone represetative for MOHELA on XX/XX/XXXX. The phone representative told me it would take 30 days to process. On XX/XX/XXXX I had a payment due. My SAVE/REPAYE had not processed. I attempted several times to call MOHELA but the hold times were over 30 minutes and I was not able to get someone on the phone. I had been sending several emails a month through MOHELA 's website portal, but every email had an automated response that either said " You spoke to someone on the phone, we will consider your inquiry handled '' or it would say " Please allow 15 business days for us to respond ''. These automated responses would come weeks after the initial email, and then no one would ever respond. I finally got another representative on the phone on XX/XX/XXXX after being on hold for 10 minutes, who told me she couldn't help me and I needed to speak to the " Advanced Team ''. I was transferred to the " Advanced Team '' representative XXXX XXXX employee XXXX. We discussed the following : XXXX XXXX XXXX MOHELA Advanced Team Submitted a letter asking to remove me from deferment on the MOHELA website, so that I have to specifically request a deferment in order for it to process. Confirmed receipt and was told by MOHELA phone rep that this means they will never put my loans in deferment unless I request via phone or email to put my loans in deferment. I had already submitted this request previously, but the MOHELA phone rep told me that she couldn't find this request and some, but not all of my loans showed in deferment. She issues a request to expedite my SAVE/REPAYE application. She advises it would take up to 15 business days to process from XXXX XX/XX/XXXX. She issues a request to put my loans in processing forebearance. Reports takes about a week to process. She initially states no interest will accrue during this time, but later when she reads the disclosure she states interest WILL accrue. I confirm that interest WILL accrue. She states it will postone payment until XX/XX/XXXX. She states there will be no interest rate reduction on autodebit, and no PSLF or benefits for loan forgiveness will be issued during this time it's in processing forebearance. I was told I could use buyback on processing forbearance once my SAVE/REPAYE processes, and there is no limit for how many months I could buy back. I asked why my forebearance is until XX/XX/XXXX if it takes 15 days to process. She said that's if it takes longer than 15 days to process. She sends request sent to accounting department to have my interest and capitalization removed and not applied to my account until the SAVE is approved. She sends request sent to the IDR department to have my loans amounts put back to XX/XX/XXXX where no interest, capitlization, fees, or other charges, and that amount will be used when SAVE repay processes. She states she doubts they will do this, and initially refuses to send request. I explain that I have no way of communicating with the IDR or accounting department except through her, and given all the issues I have had with MOHELA up to this point, I think this is fair for them to do. Currently interest and capitization are applied to my account, and I explain to her my understanding is that every month I am in forebearance, th e {$1600.00} payment MOHELA says I owe each month is going to get tacked on the end of my loan as principle, and will be used to calculate interest. So every month my loans are growing by {$1600.00}, plus the 5-7 % interest on top of that. So if MOHELA takes 6 or 8 months to process my SAVE/REPAYE, my loans will have grown by tens of thousands of dollars for no other reason than MOHELA can't process a form. That is not fair to me. She has no response to that other than to try to wrap up the call. At present I am waiting for MOHELA to process my requests, and I am not hopeful this will occur in any timely fashion. They have had 90+ days to process my SAVE/REPAYE, and my loans have grown by several thousand dollars in that time from what I understand from documents on my account on the MOHELA website.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ME
Zip: 039XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: The student loan company, Mohela, is required to send a billing notice at least 21 days in advance of the payment. My payment is due XXXX and the billing statement was sent on XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A