Date Received: 2023-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have loans attached to my account. My name is XXXX XXXX XXXX and there is a name attached to my account of someone with the name XXXX XXXX XXXX which is not me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent the company a certified letter back on XX/XX/, and it was received on XXXX XXXX XXXX but I never got any response in regards to what I was asking for.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I sent an application for Public Service Loan Forgiveness to the U.S. Department of Education, MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. Mohela received this application well before the XX/XX/2022 deadline. I have proof of delivery via a signed receipt. I have provided Mohela with documentation of my eligibility through employment from four different employers. The first employer alone shows I have well over 10 years of qualified employment. The fourth employer, a hospital, stated to me that their policy requires employment verification through a third party. I submitted that documentation along with the application form and a note clearly stating " see attached '' for the fourth employer. Mohela sent me a notice threatening to deny my application because the fourth employer did not fill out the form. They completely ignored the proof of employment from three employers. Mohela has these forms, and I know they do because I kept a copy of my application along with proof of delivery. Mohela is not acting in good faith. They want to deny my application because of one technicality which is not even reasonable. They are trying to come up with any excuse they can to delay doing what the US Department of Education hired them to do.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX XXXX XXXX my student loans were with XXXX when I requested a refund of the voluntary payments I made during the pandemic freeze. This refund amounts to roughly {$8000.00}. In XXXX of XXXX, I received the first {$2100.00} through XXXX but then my loans were transferred to Mohela. Where my refund has been stalled. Mohela said they couldn't see the refund request and that I needed to resubmit it, which I did. This was frustrating since I could see the full amount of {$8000.00} already back on my student loan balance. In XXXX of XXXX, I called Mohela for an update on my refund where they had trouble locating my refund request. After over an hour on the phone and multiple transfers, they located my refund request and said it would take 90 days to process and that it's under investigation. In XXXX of XXXX, I called Mohela back which is after the 90 day wait, and I spoke with a supervisor who said she only sees a refund of {$5800.00} in the system and isn't sure if this amount is in addition to the refund I already received ( {$2100.00} ) or is the total, which would mean now they don't see the refund amount of {$8000.00} that I requested. So I asked for a payment history which they responded would take XXXX days to just receive that information. They also said they are expediting my refund request which would take another XXXX days. I have called Mohela dozens of times over the last 6 months and every time I ask for an update on my refund, they keep pushing back the request by XXXX days. This is unacceptable since the {$8000.00} I requested back is already showing back on my student loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I submitted my PSLF Certification before the XX/XX/2022 deadline to take advantage of the PSLF Limited Waiver Program. Mohela calculated that I had a total of XXXX qualifying payments. Nevertheless, Mohela attached a letter sent via secure message stating I was " not eligible '' for forgiveness despite exceeding the threshold of XXXX qualifying payments. I do not know how many other consumers have received erroneous letters from Mohela. I believe these letters are deceptive under Federal law and request an investigation or examination into the matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: My story is long but I've been trying to get PSLF approval from Mohela since XXXX of XXXX. Their customer service is HORRIBLE. They put you on hold for hours... yes, hours... then disconnect. When you do reach a rep, they are clueless. If I ask for corporates number, no one can find it. When I faxed important documentation to them ... THREE TIMES ... they claim they never got it. They said my PSLF was denied because they don't have my employer proven start date for employment, but I faxed it and got a verification of sent document back on XXXX XXXX XXXX. I've sent dozens of emails but their secure messaging site is a mess. It won't allow me to upload documents, most importantly being this document they say they haven't received by text. I could go on forever but here is the most recent diatribe from me to them. As you can see, their response to my complaint is ridiculous considering my entire issue dealt with their lack of customer service and I noted ( as you'll see ) that the reps know little and can't even get me the info from a supervisor. They said to file a complaint, send a secure message, which I did. In fact, I sent several. This happened today XX/XX/XXXX. So I send the following emails to them ( I've only included two of them here ) but then they turn me around in circles and tell me to call when the rep when I DID call told me to email my complaint. Thank you ... XXXX XXXX XXXX correspondence sent XXXX XXXX First one : XX/XX/XXXX XXXX XXXX Body : Your Question : Listen, per your message I called the number and the rep claims you never received my employer 's fax to you confirming my start date and my employer even received a " fax received '' message so I know it at least got to Mohela. Then I sent the email in this string to confirm you received it and all you guys stated was that I should call in. So, that's what I did only to learn no one got it and bc of that, my pslf was denied. I faxed the employer document, tried to email you guys, and did this well within the 60 day limit ( it still hasn't been 60 days since the notice ). So, I ask, " Who receives these faxes? '' Your rep didn't know... nor did your rep even have access to or knowledge of the phone number/contact info to the corporate office in MO. She's looking right now and I've been on hold forever. I am deeply frustrated with Mohela 's lack of follow through and organizational skills. I've done everything you asked... I even checked up on the fax to ensure you received it which I shouldn't have needed to do! The rep said to fax it again, but what good will that do when you clearly don't do your part after I've sent it? I now have a photo of the letter, too, that confirms my start date of XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHERE EXACTLY do I send the photo to prove my start date??! This message system doesn't allow me to attach anything, and when I go to UPLOAD DOCUMENTS your XXXX system won't allow it ... it says " Back button or bookmark actions may not be used to access this page. Please return to the Account Summary page and restart your activity. '' So, I went back and did this several times and it keeps giving me this message! Listen, I have been actively pursuing this initiative since XX/XX/XXXX of last year! How do I ENSURE that you all receive proof of my start date? This is absolute nonsense. Tell me an exact email address with an exact name and the ability to upload photos so I can prove my employer start date with you all. I am NOT losing out on thousands of dollars of loan forgiveness because your system and organizational skills are embarrassing. Next email today ( same day ) : To follow up on the missive I just sent you about the lack of organization regarding you not receiving my fax in XXXX verifying my start date from my employer, your site here is impossible to navigate. You literally go in circles half the time. Consider the following statement : If you have already contacted MOHELA Customer Service and are not satisfied, please file your complaint via secure message or one of the other available contact us methods. There are NO OTHER CONTACT METHODS in which to file a complaint. Believe me, I tried to file one with one of your reps by phone. They direct me back to the " message us '' option on the website. So, there is ONE place and only ONE place where you can actually " file '' a complaint in writing. Your site has lousy instructions. How can a site not even give contact info for the CORPORATE location of the company?! I guess you all may get a lot of complaints so corporate employees are in hiding or something? Who knows... not I NOR any Mohela reps. In fact, I sent you a secure message after my employer faxed my proof of start date to make sure you all received it to add to my file. Instead of answering that direct question, someone emailed back that I should call in. WHAT??! Is there a reason you can not answer the simple question, " Did your or did you NOT receive the fax my employer sent you? '' Reps are not " well-informed '' as you claim on your site, nor are you providing " quality service. '' Your website kicks me off every XXXX minutes where I have to log back on constantly. Your site won't allow me to upload documents giving me the message I mentioned to you in my email right before this one. In fact, you've processed my loan and are now my servicer ( I dread the thought ) yet I can't even see ANY of my loan info on your site. Mind you, I've been pursuing the PSLF since XXXX of last year! I've done my part, now you do yours. Find my fax, please. XXXX XXXX MOHELA 's Response : Dear XXXX XXXX, Thank you for contacting Mohela. Please give us a call for further assistant at XXXX. Sincerely, XXXX XXXX XXXX Next email today : Mohela is a JOKE. CLEARLY YOU DIDNT READ ANY OF MY MESSAGE! BLANKET ANSWERS TO BORROWERs legitimate concerns dont some problems, Mohela XXXX What a waste of my logging on to my secure message. No one can even file a complaint per your reps instructions. Oh, instead, Ive filed a complaint with the XXXX my senators, representatives, and other entities. If you are just going to reply with call us then dont bother. I did. Over and over and over againproving you run people in circles to evade responsibility. Sincerely, XXXX XXXX P.S. I bet you get XXXX when someone constantly gives you the runaround too. Next email today : XX/XX/XXXX XXXXXXXX XXXX Body : Your Question : Oh, and finally, your last email reply to me where you didn't even answer my question said a loan counselor would be calling me to discuss. NO ONE EVER CALLED ME. Great system you have going on there. Ugh. Soooo frustrating. Next email today : Sent Date : XX/XX/XXXX XXXX XXXX Body : Your Question : Then again, I guess maybe you forgave my loan since no balance shows in my account. I guess Ill ignore any future money you demand just like youve ignored thousands of your borrowers. ++++++++++++++++ I might as well send you other emails I sent to them. This one is from XXXX XXXX on their secure messaging site ( no counselor ever called me... that was the second time they said someone would call me ) : This one was sent on XXXX XXXX, XXXX after my employer had faxed them proof of my employment start date. I wanted to make sure they received it but they wouldn't give me a yes or no answer. And, yes, I tried multiple times to call them after this. I've called dozens of times since XXXX of XXXX. Sent Date : XX/XX/XXXX XXXXXXXX XXXX XXXXody : Your Question : Hi, You requested that my employer send my exact start date. My business office faxed it Friday but it doesn't show on my submitted documents. Can I confirm that you received it? Please call me at your convenience if you are able. Thank you, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MOHELA 's Response : Thank you for contacting MOHELA, A request has been submitted on your behalf to have a Student Loan Counselor reach out to you shortly. In the event that we do not reach you, please contact us toll free at XXXX and we would be happy to assist you. If you have any additional questions, please contact us toll free at XXXX MondaXXXX XXXX XXXX XXXX XXXX XXXX, Tuesday through Friday XXXX XXXX XXXX XXXX XXXX., and Saturday XXXX XXXX XXXX XXXX XXXX CT. Thank you, MOHELA Phone XXXX Fax XXXX TDD Dial XXXX XXXX XXXX XXXX T-F, & XXXX Sat. CT. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This message, from a debt collector, is an attempt to collect a debt and any information obtained will be used for that purpose. California residents : The state XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX. or after XXXX XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov If you do not want to receive future information of this nature, please unsubscribe or contact customer service at XXXX. This one was sent on : XX/XX/XXXX XXXX XXXX Body : Your Question : I've been calling and emailing about when my approval for my XXXX will go into effect. The last phone conversation I had said to wait to hear from Mohela by the end of XXXX. Mohela still hasn't contacted me about whether or not I'm approved and when my loans will be forgiven and you received my transfer this past XXXX. First it said to wait 10 days after the transfer for more info and now it says it can be up to 30 days before hearing back. I'm now going on 120 days waiting for information from you all. What gives? Please advise on the status of my application ( and yes, I know you've received it and it's been on file since XXXX... I even sent another one thinking you misplaced the first one since I wasn't hearing back from anyone... I've literally checked in with you guys more than a dozen times ). Thank you, XXXX XXXX XXXX MOHELA 's Response : In order to provide exemplary service, we want to make sure that we are addressing your questions and concerns accurately. Due to the complex nature of your Public Service Loan Forgiveness ( PSLF ) inquiry, we need you to speak with a Public Service Loan Forgiveness ( PSLF ) Specialist. Please call us toll free at XXXX. Monday XXXX XXXX XXXX XXXX XXXX., Tuesday through Friday XXXX XXXX XXXX XXXX XXXX., and Saturday XXXX XXXX XXXX XXXX XXXX. CT. Phone XXXX Fax XXXX TDD Dial XXXX XXXXXXXX XXXX, XXXX T-F, & XXXX Sat. CT. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. This message, from a debt collector, is an attempt to collect a debt and any information obtained will be used for that purpose. California residents : The state XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX or after XXXX XXXX They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43212
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: -Submitted for XXXX XX/XX/XXXX with XXXX XXXX was moved to MOHELA XX/XX/XXXX -MOHELA still has not processed for the years XXXX -Had a full application with signatures and dates, but required an updated employment verification for current job, sent on XX/XX/XXXX -Notified today XX/XX/XXXX that signatures were missing on forms. No signatures were missing.-Contacted them XX/XX/XXXX they said the entire application needed to be resubmitted and showed they had no other forms from me. -Notification while on hold with MOHELA says they will only process applications submitted by to XX/XX/XXXX. It appears resubmitting will be outside the window and cause the application to be denied. -Contacted MOHELA numerous times to get clarification, told multiple times it would be another 90 days. It has been 1 year and 2 months trying to get them to count the payments. My wife submitted her application at the same date and time and her application was processed by XXXX and forgiven in XXXX of XXXX. -MOHELA was contacted on XXXX XXXX XXXX XXXX XXXX and multiple times on XX/XX/XXXX -How do I get them to count my payments on my original application before the window closes on the XXXX? This process has so far taken over 14 months.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80504
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am a public servant who qualifies for the Public Student Loan Forgiveness program. I consolidated all of my federal student loans into one loan after I finished graduate school back in XXXX. Under the limited time PSLF program I applied for forgiveness directly to my lender, MOHELA. MOHELA 's website shows that they processed my paperwork on XXXX. On XXXX I called MOHELA because I had not heard anything back from MOHELA on my account status. The customer service agent said that my loan forgiveness, although eligible for forgiveness was denied because I never consolidated my federal student loans. There are two issues here : 1. ) I consolidated my loans in XXXX and MOHELA 's website shows this. I have included a screenshot of my consolidated loans on MOHELA 's website. 2. ) I never received email notification on MOHELA website portal communication about forgiveness denial, even though I am signed up to receive all communication electronically. The customer service agent went on to review my file ; she stated she did see my eligible employment paperwork in the MOHELA system and my loans have been consolidated since XXXX. She said a computer reviewed my documents and improperly denied my forgiveness ; therefore, she was going to resubmit my documents that same day ( XXXX ) for reprocessing by a human and it would take 60-90 days. I was able to confirm in my MOHELA account she did resubmit my documents for processing. That same day, I filed a complaint with MOHELA 's ombudsman by certified mail. I never received communication back from the MOHELA ombudsman about the failed electronic communication delivery or the forgiveness denial. I have attached a screenshot of the letter with the USPS postage on it. While I waited for a human to properly review my forgiveness application I received two updates in my MOHELA account. The first was on XXXX that stated my account reflects I have made XXXX PSLF eligible payments of that 15 are qualifying payments; leaving me with XXXX payments left to make. My paperwork submitted shows that I've made more than XXXX eligible payments, yet MOHELA has failed to align the payments with my employment verification showing those payments were made during eligible public service employment. I have uploaded a screenshot of this MOHELA communication. The second communication was received on XXXX that stated my account now reflects I have made XXXX PSLF eligible payments of that XXXX are qualifying payments; leaving me with XXXX payments left to make. My payment history shows that my eligible payments made ( XXXX ) far exceed the XXXX needed for forgiveness but they are still failing to properly count all of the qualifying payments and align them with my employment verification documentation dating back to XXXX. I have added a screenshot of this MOHELA communication. I can produce all of the public service employment verification documents I've submitted to MOHELA, but the site says not to include personal information. MOHELA obviously has it because they've recognized it in my online account as processed on XXXX ; it has also been discussed by phone with MOHELA multiple times, so I don't understand why they aren't utilizing it. I have followed all paperwork processes and met all deadlines, yet MOHELA fails to properly process my eligible payments and eligible public service employment documents. I am in my seventh month on this journey and I need your help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The last representative from MOHELA that I spoke with was on XX/XX/XXXX. She was very kind and informed me on the recorded call that the total debt I owe is {$4400.00}. However, on my credit reports, MOHELA states I owe {$9200.00}. I experienced this issue last year, XXXX, and the student loan servicer XXXX removed the debt because it was paid in full. Please see the attached receipts. To add, the Department of Education and XXXX also states this debt is paid in full with a XXXX balance. After the phone conversation today with the kind MOHELA representative, I believe this company has no idea how to approach this situation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loans were transferred to Mohela from Fed Loan servicing. On XX/XX/XXXX I submitted an XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX. After waiting XXXX months Mohela marked this form incorrectly as a duplicate. On XX/XX/XXXX I called and spoke with the XXXX She gets back on the phone and states oh there are XXXX payments missing I sent a request to have them applied. I responded there are XXXX years of payments missing. Her response was oh I made a mistake. It has now been sent back to review with another XXXX day time frame. Mohela is mishandling forms left and right. I should be at XXXX necessary payments and my loans should be in the process of PSLF forgiveness. Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A