Date Received: 2023-01-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have two student loans that were originally with XXXX XXXX that were recently transferred to MOHELA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and am trying to qualify for XXXX. On XX/XX/XXXX I made a large bulk payment of {$27000.00} to XXXX XXXX which was split between my two loans in the amounts of {$14000.00} and {$12000.00}. At the time I did not anticipate continuing to XXXX XXXX XXXX XXXX, so was trying to do the right thing and pay my loans early. The bulk payment was in addition to my regular monthly payments. The bulk payment put me into paid ahead status and I was paid forward many years. Unfortunately, since being transferred to MOHELA my payment history is inaccessible so I do not know the exact paid ahead date. Because I was paid ahead I should have exceeded the XXXX payment for PSLF by a large number. In addition to the bulk payments, I have now been with my employer for > 12 years and have made additional monthly payments that exceed XXXX. I contacted MOHELA in XXXX, XXXX, and then XXXX of XXXX via email to inquire about this paid ahead status and finally was able to speak to someone on the phone in XX/XX/XXXX. The representative said I could simply request to have the bulk payment refunded, I just needed to tell them the amount and date of the payments. The representative said she did not have access to my payment history and I needed to request it. I did, and received my full payment history a few weeks later ( on MOHELA letterhead, which is strange since they said they had no access to it ). I then contacted MOHELA again on XX/XX/XXXX and requested that the bulk payment of {$27000.00} on XX/XX/XXXX ( split between two loans of {$14000.00} and {$12000.00} ) be refunded. The representative said no problem, processed the request and sent in on through and said I should receive a refund in XXXX weeks and I could call back to check in XXXX weeks. Yesterday, XX/XX/XXXX, I called back to check on my request and was told by a different representative that my bulk payment would likely NOT be refunded, though I was told by XXXX other MOHELA representatives that it should be no problem. I inquired about the paid ahead status and the representative said he did not have information on that. In addition to the above, I returned to school from XX/XX/XXXX through XX/XX/XXXX to obtain a XXXX at which time the my loans automatically went into an in-school deferment. I was not asked if I wanted the deferment, it was automatic. I continued to make my monthly payments, again doing the right thing by trying to pay off my loans. Because of this deferment, those payments from XX/XX/XXXX through XX/XX/XXXX are not being counted towards XXXX. I was told by MOHELA in an email on XX/XX/XXXX that they would request the deferment be removed for that period of time and that any payments I made during that period would then count towards XXXX and it would take 2-3 days to process. As of today, XX/XX/XXXX, the deferment is still in place and the payments not counting towards my PSLF. Additionally, it is taking months to certify my employment when I sent in the certification from my employer. I began this process in XXXX of XXXX and now over a year later I am still dealing with MOHELA to try to sort this out, but am being told different things by different representatives and the timeline keeps getting stretched.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am a XXXX XXXX and have been since XX/XX/2004. I have enrolled in the TEPSLF and PSLF programs. I have provided my employment information more than three times -- certified by my employing agency, the XXXX XXXX XXXX. My loan was transferred from XXXX to MOHELA, the company currently suing the XXXX XXXX over student loan forgiveness. In XXXX, a rule regarding periods of forbearance was promulgated. I have asked, even though my Senator 's Office ( XXXX XXXX ) to explain why my forbearance periods are not being applied and why my employment verification is not being accepted ( see attachments for both )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93401
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX, MO XXXX Dear, MOHELA/DEPT OF ED FINAL NOTICE I agree to pay the following financial obligation regarding account number XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance send certified mail return receipt requested you deliver to me the following : provide a validation of the debt, that, production of account and the general ledger statement. Verification of your claim against XXXX XXXX, that is, a signed Invoice. A copy of the Contract binding both MOHELA/DEPT OF ED AND 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 CUSIP 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 Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Hello, I am employed in public service and eligible for public service loan forgiveness ( PSLF ). My student loan servicer is MOHELA. My current loan balance is {$99000.00}, all in federal direct consolidation loans eligible for XXXX. I submitted an employment certification form XXXX XXXX ) / application for XXXX on XX/XX/XXXX. My employer was determined not eligible. This was acknowledged as erroneous over the phone with MOHELA support and a supervisor on XX/XX/XXXX, at which point the wait time to speak with support was 2 hours and 12 minutes. Notably, my employer appeared in the list of eligible employers on the studentaid.gov site, I had documentation of their eligibility, and hundreds of people at my employer had already received forgiveness. I was told that I would need to submit the XXXX application again to be reprocessed correctly. I did this on XX/XX/XXXX. A few weeks later, I obtained an updated form from my employer ( with documentation of employment through XXXX ) and submitted it on XX/XX/XXXX. Again, this was produced using the XXXX tool on the federal student aid website and confirmed an eligible employer. This morning, just over 3 months after my form submission on XX/XX/XXXX and 5 months after my initial submission, both forms were marked duplicate and cancelled by MOHELA rather than processed. I should have qualified for XXXX at the time of my initial form submission 5 months ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I consolidated my student loans and once my loans completely processed and posted on Mohela website I turned in my PSLF form as directed on XX/XX/2022. I then got notification from Mohela that my form had been processed. I go to look and noticed that nothing had been process as it had XXXX counts. I called Mohela on XX/XX/2022 of which the rep advised me for some reason the system overlooked my application and did not process it so she was resubmitting for processing again and it would take 90 days. I go to call for Status in mid XXXX to check status only to find that they still have not fully processed and that the temporary waiver had yet been applied I spoke with a supervisor after waiting on hold for 5 hours and she assured me that my account would be resolved by XX/XX/2022. I then go to check status on my online account with Mohela only to see that they had marked my form as duplicate even though they never fully processed the original one that was filed. I called again to Mohela and spoke with a rep who looked up my account and stated that it has not got processed and she has never seen this before. The temporary waiver nor have the regular pslf been fully applied. She advised that she will resubmit again for processing but also advised me to do a reconsideration request as this keep; happening. I am frusterated, depressed by this, no out come no resolve, I have tried all the normal procedures on reaching out to Mohela and nobody is working to resolve my issue and properly apply the temporary waiver for the pslf form. They have none of my regular forbearance, Covid Payments forbearance and all my payments when I was in repayment. I also contacted them on messages in the portal XX/XX/2022 and they sent a blank response 3 months later, please please help
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95382
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: For the past XXXX years, I have been a special education teacher in XXXX XXXX schools. My dates are as follows : XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX, MI XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX, XXXX XXXX, MI XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX to present at XXXX XXXX XXXX, XXXX, MI All schools are verifiable in the database. At all times I was a highly qualified special education teacher. They are denying me relief under the XXXX XXXX XXXX XXXX ( NOT PSLF ) because of XXXX and XX/XX/XXXX. I gave my last day as XX/XX/XXXX to spare my district from paying me for XXXX, which was an asynchronous day and no one would have shown up anyway. I also could have taken a paid sick day. Instead, I was honest and gave my last day as the XXXX so as to save my severely underfunded district money. I originally was going to start on XX/XX/XXXX in XXXX XXXX but they said I couldn't start until the XXXX because they only did new orientation via XXXX on Tuesdays. I was literally precluded from starting before then. Before I took ANY job, I always made sure it was in this database to qualify for forgiveness. I could have worked at a private school, a wealthy school, or gone back to practicing law ( previous profession ) but instead I relied in good faith on the XXXX XXXX XXXX XXXX. They are literally denying me my relief because of XXXX days. This is a slap in the face to all hard working teachers and the original drafters of this federal legislation. I welcome any help available. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I submitted PSLF paperwork in XX/XX/2022. It has been over 90 days now, and 2 of my submissions still have not been updated. I have called numerous times to get an update on my paperwork, but can not get through. I stay on hold for multiple hours, and never get through. I have yet to actually speak with a real person. You have to wait at least 4 minutes before even being put in a queue which I find very frustrating. It should not be this hard to get information. I did not have this problem from my previous lender. Feels like multiple hurdles are being put up to prevent borrowers ability to talk with a customer representative. I did not have a choice in who my loans went to, but this is not acceptable.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97477
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Mohela has been reporting that I have not paid my student loan and that it has been late. Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. I am requesting that Mohela corrects this mistake immediately. I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/22 I requested a refund from MOHELA on all payments made during the COVID payment pause. The total amount owed was originally {$1500.00}. After weeks of conflicting customer service information and misleading timelines I filed a CFPB complaint ( case number XXXX ). In XXXX a refund for {$260.00} was received ( and added to my balance ) however customer service representatives were unable to explain why I had not received my full refund. MOHELAs CFPB response did not address this difference despite it being outlined in my original request. Attached is a record of payments made during XXXX to XXXX, my original servicer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Department of Education is not refunding me my XXXX payments even though I requested it as they stated on their website that I could request it. My loans were being serviced by XXXX and I had requested in the beginning of XXXX for payments made during the Covid pause be refunded. They said I would received confirmation of the request in 30 days. In the beginning of XXXX, my loans had then been transferred to Mohela for the XXXX program. I submitted a case on XXXX on XX/XX/XXXX requesting confirmation of my request. They ignored me for a month and then I asked for an update on XX/XX/XXXX ( Feedback Case # XXXX ), they closed the case not giving me an answer to my question. I then submitted another case on XX/XX/XXXX ( Feedback Case # XXXX ) asking for them to respond to my inquiry and was once again, not given an answer. I still have an open case from XX/XX/XXXX asking for an Ombudsman and a request for confirmation of the refund request ( Feedback Case # XXXX ) I followed with Mohela and they said I would get the Covid refund after my loans were closed out. I was on the Direct to Discharge list as of XX/XX/XXXX. On XXXX, my loans had been forgiven and I reached out to Mohela about the XXXX refund. They said I'd be getting {$100.00} back. I made payments on XXXX/XXXX/XXXX of {$320.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$250.00} and XX/XX/XXXX {$200.00}. This totals {$2400.00}. Now I'm being given a run around and I don't see the Department of Education actually doing anything now that my loans have been closed out. They said they escalated it to an Ombudsman but I don't have any hope of this being resolved. They ignored my request and now I feel will tell me it's too late. I did what I was supposed to do and they ignored me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46368
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A