Date Received: 2023-01-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I attended XXXX or XXXX XXXXXXXX XXXX from XXXX. I can't ever get a person whenever I call Mohela. On a side note, I was denied the XXXX because I didn't have my govt. loans in a " direct loan '' for the whole 10 years.? Anyway, when I refinanced my home, in XXXX or XXXX. I took about XXXX grand of equity out and I paid off the rest of my direct loans from XXXX XXXX, a XXXX XXXX. I shouldn't have done that! My friends are getting refunded money paid towards their loans from the Corinthian lawsuit and their loans forgiven, but I never got a refund or a letter. I don't have any more loans from attending XXXX so is this why? How do I get reimbursed? I'd love to put this back in to my home or help to assist my XXXX with his college. This is XXXX grand that I really need as a single parent. If others are getting their loans forgiven and getting their money back that they paid towards their loans, I should as well. I don't know how to go about it though. Since I don't owe money for these old loans, maybe it's not automatic in the system. How do I get them pulled up so I can get refunded. I can't understand how I wouldn't be eligible for a refund by being responsible and paying them off ( only about 4 or so years ago when others have not made any or little payments! I didn't have the money, but I refinanced to get rid of them. I can really use this money. Please please help! I called the department of education, and they said I needed to contact Mohela for the Corinthian lawsuit loan refund, but they don't answer. Not as important at the moment, but I'm also waiting on a refund from the money I paid during covid on my newer loans. I was told it would take up to 90 days. It's been way longer. I really appreciate your help with these issues. I am lost on what to do. Sincerely, XXXX XXXX last XXXX of ss # XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been eligible for XXXX XXXX XXXX XXXX since XX/XX/2022. Mohela and Dept of Education have not processed my application. It has been almost 6 months of waiting with no answers. Mohela stated they are unable to give me a timeframe for forgiveness due to Dept of Education dragging their feet. After serving in public service for 10 years, I have earned student loan forgiveness. I am stuck in administrative limbo and my loan servicer cant provide any information because of the Department of Education. When I call for updates, I am told to be patient and that no information can be provided regarding an actual discharge date. Something is seriously wrong with the XXXX process.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85641
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Mohela is my loan service provider after being transferred from XXXX this past summer. I am in the XXXX program and have been diligently filing my employment certifications since XX/XX/. After lengthy delays and no communication from Mohela, waiting on hold for hours or attempting to access the chat feature that pops up randomly and with no logical pattern, and speaking to multiple different reps on chat or via phone yet getting no consistent or clear information, I am now at XXXX payments and thus qualify for forgiveness. What is even more upsetting, aside from the difficulties mentioned above, is that Mohela can provide no clear or logical process about when I can expect loan forgiveness, whether I need to do anything more, or whether they have even processed my account to be marked for forgiveness. It feels as though they are doing what they can to delay this as much as possible. While i can only speculate, i suspect it COULD be due to wanting to keep things pending so folks end up having to make payments once the pause is over - regardless of whether they are eligible for forgiveness or not. I was told, during my last call, that i do not need to do anything further now that Ive met the payment threshold of XXXX, but my fear is this might not be true and somehow, because of that, my forgiveness will be delayed or somehow skipped over because of missing information from me. I know Im not alone in my frustration and concerns. Filing a complaint against this company feels like the only thing within my power that I can do, so here I am. I do understand they have been inundated since the changes to the program have been implemented and they have had high turn over and are short staffed. I have empathy there. But if they are hiring and training people all the time, what I cant understand is why there is such broad inconsistency in what the reps say. Further, why isnt there a transparent and clear process about how XXXX works?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55407
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Hello, The reason I am writing is due to not receiving timely updates from my loan servicer, MOHELA, regarding XXXX XXXX XXXX XXXX documents I continue to upload for the Dept of XXXX. I resubmitted my XXXX XXXX multiple times, after learning that there was missing information on XX/XX/XXXX. It was resubmitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been in the XXXX program for a number of years now, and have uploaded the same Employment Certification many times, but never had issues with " missing information '' when XXXX serviced the loans. Since the loans have been turned over to MOHELA, I am unable to receive any updates or information about my XXXX qualifying payment count. MOHELA continues to provide this same response, but no further information : " As of this writing our records indicate that we received your XXXX applications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please allow XXXX business days for processing. Once a decision has been made you will receive notification of approval or denial. No additional steps are required of you at this time. We will continue to process your manually submitted XXXX form using the date an authorized official from your employer signed your XXXX form. To receive benefits of the limited XXXX waiver, the employer 's signature and date on your XXXX form must be on or before XXXX XXXX, XXXX, even if you submitted your form at a later date. '' When I last spoke to a MOHELA representative, they told me to reach out and check on my qualifying payments IF my Employment Recertification was not processed by XXXX. I messaged MOHELA today because if I call, it gets me nowhere ( same lack of info from the representatives ) but I do spend A LOT of time waiting on the phone.So after months of waiting, I still do not know what my current XXXX count is. The XXXX count is critical to planning for my future career move, so it is urgent that I receive the most up to date count as soon as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44281
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loan servicer, Mohela, is supposed to accept Public Service Loan Forgiveness ( PSLF ) certifications. They state that they will take XXXX days to process PSLF certifications. I submitted a certification on XX/XX/XXXX. That request was canceled without my consent by Mohela. I called and they acknowledged their error. It was re-submitted for processing on XX/XX/XXXX. It was then canceled again without my consent by Mohela. I called again and it was then re-submitted in XX/XX/XXXX. The resolution of this certification is now over XXXX months delayed with no end in sight. In addition to unfairly cancelling PSLF certifications, Mohela never alerts me to it so I am left trying to find out on my own whether they are doing their job or not.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My name is XXXX XXXX and I am a XXXX XXXX XXXX. I have been in repayment since XX/XX/XXXX, from at least XXXX through XXXX, I was with XXXX. I consolidated to XXXX in XX/XX/XXXX to take advantage of the Public Student Loan Forgiveness Waiver since I have always been a local government employee since I graduated in XX/XX/XXXX, but was previously in wrong loan type for forgiveness. I submitted my forgiveness application in XX/XX/XXXX to XXXX. All of my employment was certified from XX/XX/XXXX to XX/XX/XXXX as eligible. However, they only credited XX/XX/XXXX and XX/XX/XXXX and then no other payments until XX/XX/XXXX ( covid forbearance ). When I asked why, I was told that my account was designated as being " in-school deferment '' for the period of XX/XX/XXXX to XX/XX/XXXX ( when I consolidated ). I was told by XXXX that only XXXX could fix the problem. I called XXXX and they said XXXX had to fix the problem. I was not in-school at any point since XX/XX/XXXX. I have proof of regular standard payments made to XXXX going back to XXXX demonstrating that I was on repayment status. ( as far back as their records went ). I also managed to locate bank records from XXXX which show my regular on-time automatic monthly payments for that year. I have form XXXX 's from XXXX and XXXX that demonstrate I made payments those years on my loans. I filed a complaint with the ombusdman too, but they say that my student loan account reflect I entered repayment in XX/XX/XXXX, which it does, so why are my payments not being counted? ( the account also shows that the status was not changed to " in repayment '' until I consolidated in XX/XX/XXXX ). My loans were transfered to Mohela in XX/XX/XXXX and I submitted all of my paperwork to them, including the proof of payments for all the months I had for XXXX and XXXX, and they marked it as a duplicate application and kept the count the had been submitted by XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I currently have federal student loans that were transferred to MOHELA. They are federal loans that qualify under the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. I have beee enrolled in this program for over XXXX years at this point. My XXXX qualifying payments ( XXXX years ) have been completed as of XX/XX/XXXX. Prior to that I submitted a XXXX form on XX/XX/XXXX to update my payment counts. This should have updated my count to XXXX. However, almost XXXX months later it still registers as XXXX ( last updated XXXX of XXXX ). I also sent a form in on XX/XX/XXXX that has not been updated either. The most recent form I sent in was on XX/XX/XXXX. This form was to indicate that I have completed the XXXX program ( XXXX qualifying payments ), and to discharge me from the program by waiving my federal loans. As of today, XX/XX/XXXX, my paperwork has not been processed, dating all the way back to XX/XX/XXXX. According to MOHELA I have not fulfilled my end of the XXXX program, when in reality I have. This lack of updating, not current information, and subsequent delay in waiving of my federal loans is preventing me from seeking better paying employment. This is putting an undue hardship on my life and budget. I am effectively trapped in this low paying job until further notice. Currently I am struggling to make ends meet, and am only remaining in this job because as part of the XXXX program I am required to continue working at my current position until they finish processing my paperwork for waiving my loans. I have fulfilled my end of the XXXX program and now it is time for MOHELA, and the XXXX XXXX XXXXXXXX to uphold their end as well and waive my loans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have submitted my Public Service Loan Forgiveness form for the period of XX/XX/XXXX through XX/XX/XXXX three times. The first time, MOHELA counted XX/XX/XXXX through XX/XX/XXXX, five months, and ignored XX/XX/XXXX through XXXX XXXX 17 months. The second and third times I submitted this form, they marked it as duplicate. I have been provided no explanation as to why they are not counting 17 months of payments. I have all my tax records from those years demonstrating I paid my student loans. They send no official communication. There is no appeals process I can locate. They do not accept emails. I have waited on the phone 9+ hours and never got through. This has been going on for eight months!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOHELA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It whom it may concern, I agree to pay the following financial obligation regarding account number XXXX and which I might lawfully owe on XXXX condition : Within 15 days of the date of this Conditional Acceptance sent certified mail receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. Verification of your claim against XXXX XXXX XXXX XXXX, that is, a signed Invoice. A copy of the Contract binding both MOHELA AND XXXX XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. The XXXX number under which my loan was securitized to. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301. Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. Thank you, XXXX XXXX : XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been traveling outside of the country for some years now. And for some reason I checked up my credit and its been a lots of negative in there, Which I did not commit. I believe my name has been use in fraudulent activities, I want to get my credit back on track so I can organize my life. It has been a disaster for me to get anything under my name because of my credit. Student Loans, Credit cards and etc. I wonder how I can get some help please.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A