Date Received: 2023-01-07
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I had filed a complaint. Mohela responded saying that the public records had been corrected and my loans were forgiven so I closed the compliant but when I checked the databases my loans did. It show XXXX as the said they did. They are also trying to deny paying back all the months thats Ive been in forbearance as they stoped counting in XXXX and told me it would take too long to re certify and apply but there has been no break in employment this whole time for me and they know it. I have XXXX payments and they want to only count XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: According to 15 U.S. Code 1692g - Validation of debts I have to right to dispute this debt and within 30 days I should receive a reply I sent a letter verified mail in XX/XX/XXXX and verified that it was delivered and received on XX/XX/XXXX. I did not hear any word back or a letter responding to my dispute until XX/XX/XXXX. According to 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; Was not verified in timely manner Furthermore the promissory note should include the names of the borrower and lender, the dates of both the original note and the release, total debt that has been paid, and signature of the lender. The promissory note sent does not include the lender, the release or signature of lender. According to 34 CFR 674.31 - Promissory note, This promissory note has violated many sections According to UCC 3-302 the holder of the original promissory note is the only person/entity that can collect on the debt and this debt has been sold. This instrument ( the promissory note ) when issued or negotiated to the holder does not bear such apparent evidence of forgery or alteration or is not otherwise so irregular or incomplete as to call into question its authenticity ; According to 15 U.S. code 1692a the creditor does not include a person who receives a transfer of debt. The instrument has been rendered inaccurate/incomplete. According to federal law you have violated my rights. I want this item deleted/ removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I submitted an employment verification form for XXXX to XXXX XXXX ( XXXX ) on XX/XX/XXXX. The employer in question had previously been approved ; this application was for a new twelve-plus months worked. XXXX never verified this employment, but they didnt deny it, either. My loan was then transferred to MOHELA around XX/XX/XXXX. MOHELA also did not verify or deny my eligibility. I thought that perhaps the form had been lost or forgotten in the transition, so I re-submitted it to MOHELA on XX/XX/XXXX. When they did not respond in a timely manner, I inquired via email on XX/XX/XXXX. Several weeks later, MOHELA sent back a generic message asking me to call them instead, and that they were unable to reply to my message. I called and never could speak to a person. Today ( XX/XX/XXXX ) I went online to check my qualifying payment count, and it was still missing that period of payments. The re-submitted form from XX/XX/XXXX had been denied due to being a duplicate. The original form still has not been acted upon, and its now over 8 months old. My qualifying payment count remains inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80122
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MOHELA/DEPT OF ED is violating my consumer right by sharing my nonpublic personal information without my consent or providing me a proper notification of my right to opt out before doing so. This a violation on my customer right under the law. Account : XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I am working toward loan forgiveness through the Public Service Loan Forgiveness program. A few months ago, I received notification that DOE finally approved an employer that's been in question for over a year - XXXX XXXX XXXX XXXX. I had originally submitted the paperwork to XXXX in XXXX of XXXX and received notification that the employer was verified by DOE in XX/XX/XXXX. My loans were transferred to Mohela in XXXX XXXX XXXX and at that time I already had XXXX qualifying payments without the additional payments I was expecting from my time working at XXXX XXXX XXXX XXXX With the employment verification of XXXX XXXX XXXX XXXX XXXX that will add an additional XXXX qualifying payments. I also still work for a qualified employer and have submitted employment verification forms for XXXX XXXX XXXX which would only add more qualifying payments. From XXXX and now Mohela, I've been waiting over 14 months for my counts which would exceed XXXX at this point in time. I'm so frustrated. I've submitted all of the proper documentation to XXXX and now Mohela. Mohela has had all of my information for over XXXX days and still no action has taken place. I've made my XXXX payments, I've submitted all of the necessary documentation- I've done all that has been asked of me. Over the last 14 months, I have filed complaint after complaint, made phone calls, sent messages, reached out to local politicians, sent form after form. Now, I ask kindly, when will my loans be discharged?? I'm tired of waiting patiently
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 433XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I believe my loan servicer and/or school placed me in a school deferment when I was not attending school. On my student aid account, I am listed as being in school deferment from XX/XX/XXXX to XX/XX/XXXX. I was a parttime XXXX at XXXX XXXX XXXX from in XX/XX/XXXX then I transferred to XXXX University XX/XX/XXXX to complete a XXXX XXXX. I attended an XXXX XXXX at XXXX University from XX/XX/XXXX and finished XX/XX/XXXX. I did not return to school until XX/XX/XXXX ; however I am listed as being in school the entire time. I was XXXX full-time at a XXXX full-time this entire period as XXXX XXXX XXXX and then as an XXXX once I graduated in XXXX. The period from XXXX should count towards my XXXX forgiveness as I should not have been placed in deferment. I was XXXX full time at a qualifying employer the entire time. I also made payments during the times I was not in school. I had no idea at all I was placed on this until I applied for XXXX for the first time until I was alerted you could find your student aid form on XXXX website. I have tried to resolve this with XXXX without any response. I also tried to resolve this with XXXX XXXX, and XXXX XXXX. My loan servicer at that time was XXXX XXXX XXXX which has a very poor record keeping history and a bad servicer and has since closed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have been making payments on my student loans since XXXX to XXXX XXXX XXXXXXXX XXXX, prior to finally being told in XXXX ( after multiple calls with difficult customer service representatives ) that my loans needed to be be consolidated to receive credit for public service forgiveness, although I had made been making payments for XXXX years prior. Subsequent to consolidation, while working for the XXXX XXXX XXXX XXXX, I have continued making payments, all while making a minimum salary to help support my family which included XXXX kids in daycare. Additionally, after submitting documentation for XXXX in XX/XX/XXXX my status remains as " processing ''. I have called multiple times to inquire only to wait for hours on hold and then be hung up on by the representative. Poor customer service, avoidance tactics, and excessive processing times add to the financial burden of student loans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: My XXXX XXXX XXXX XXXX is supposed to be switching to MOHELA from XXXXXXXX XXXX XXXXXXXX. I never had an issue when it was them. I have been on the phone almost 3 hours this time and have many other calls to them to try to figure out what happened as my load went to XXXX. I have called XXXX many times as well and their answer is that MOHELA needs to request the loan. I submitted my form on XX/XX/22, it states it is processed, but they have never requested my loan from XXXX and can't tell me why. Today they said that they have the information but aren't sure why it isn't put through. I have five years of my ten required to get my loan forgiveness. As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for 20 years, this is by far the worst customer service I have ever seen. I need someone to help me resolve this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I received in the same day a denial saying that my PSLF discharge was denied because I was no longer employed by a government entity ( I am, and the form I submitted showed I still am employed. ) The SAME day I received the following message from MOHELA in writing that said " Thank you for contacting MOHELA, Congratulations! There is no further action that you need to take. We will notify you once the discharge is in process. Public Service Loan Forgiveness ( PSLF ) Discharges can take up to 90 business days from the notice to be complete. " When I called it took 10 times at least being on hold for hours and when I finally got through the girl was clueless and said she didn't know why my loan wasn't discharged and the denial " must have been a mistake '' and said it looked like I had done everything I need to do. When I hung up she resent a copy of the same denial. Their website currently has me with XXXX qualifying payments for pslf and they say on the phone and in writing that I've done everything I need to do, yet they STILL show a balance due and are still reporting this balance on my credit report. I can get NOBODY on the phone who can tell me why my loan hasn't been discharged and my credit is being negatively affected.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Mohela is my current servicer and they are refusing to reimburse me for all payments that I made after XX/XX/XXXX. When I made payments in XXXX, during the pandemic pause, my servicer was XXXX XXXX. Those payments in XXXX closed some of my loan accounts because they paid off my the balances. Since that time, my loans were transferred to XXXX and in XXXX, they were transferred to Mohela, who is now my current servicer. XX/XX/XXXX, XXXX from the XXXX XXXX XXXX, told me that while Mohela is my current servicer, they are not responsible for repaying the closed balances that were paid off in XXXX. That information is incorrect. They have the records of all the payments I made in XXXX and as the current servicer of my loan, they are responsible for repaying all payments that I made after XX/XX/XXXX ( {$35000.00} ). Although they are legally responsible for reimbursing me for those payments, they are refusing to do so. Attached is a document from XXXX that shows all the payments I made, including payments made after XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A