Date Received: 2022-12-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loan was transferred to Mohela loan servicing recently. So far, what is listed on my account is incorrect. They have not accounted for all the payments that should be credited toward PLSF. If I want more credited, I would need to provide further proof however, the payments not credited were in the middle of the time that I worked at the qualifying company and can be verified by the employer or through my tax history yet, from what the site says, I need to collect this infomation and provide to them. I should not have to do this, they have access to my tax records and they should be able to verify through that. Additionally, there were instances during this 12 year period I worked for the qualified employer where I made more than my monthly payment + I made some lump sum payments of {$1000.00} to {$5000.00} each toward my loan and those were counted as 1 single payment vs multiple payments to the 120 qualifying payments. I have not yet been on a call with this company as each time I have tried to reach out, the wait time has been over an hour to speak with someone. I do not have time during my workday to sit on the phone on hold for over an hour. There is no way to contact them via their website either- you can make selections but their site doesn't allow you to complete sending a secure message unless you are uploading a form to them. This is not the XXXX century! They are limiting how customers can contact them and they have not staffed appropriately in order to handle the call volume which is causing undue hardship on it's customers. While the government payment relief is not available and is on pause at this time, the government has extended the payment pause and this is not reflected on my account either- it is still showing that I am in XXXX through XX/XX/22 and does not show the new XXXX timeline. The site shows me in XXXX however, this is a government mandated XXXX, not a XXXX I placed on myself, that should be updated as well. The student loan changes are a nightmare and companies who took the outsourced loans for servicing need to do better as they are only adding fuel to the fire along with unneccessary hardship on their customers!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: YOUR COMPLAINT I closed the account because the credit card company can not validate the debt. I am the original creditor as a result, I have been contacting the merchant to provide the following documentation. certificate accounting statement they have so far went delinquent In this matter. I have sent past due invoices for them to pay my company for the following charges U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, A PROPER BILL. {$1500.00} per page. It is my understanding that if no dispute, rebuttal or contest of this NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND REQUEST FOR A PROPER BILL AND LAWFUL CONTRACT AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, Notice of Lien Notice Of Lien, Truth and lending violation, Mail Fraud and XXXX, falsifying records, deceptive and misleading representation, violation of Fair Debt Collection Practices Act. Title 15 USC .1601 ; Title 15 USC 1692 15 USC 1692 ( g ) ( 8 ) ; USC Title 18 2071 and 2073 ; USC Title 18 471, 472, 473, and/or 513 ; Title 18 USC 1341- 1842 Eads v. Marks 249 P. 2d 257 and 260 Title 28 USC 1746 ( 1 ) I am asking for the CFPB to contact them to have my account settled, discharged and close with a zero balance and my invoice paid. Thank you any question call me XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XXXX. Mohela is charging interest on my student loans despite the loans being in COVID forbearance and should not be accruing interest. I have heard from others this has been occurring with their loans managed by Mohela. XXXX. I also believe that Mohela is delaying application of credit for months in forbearance towards loan forgiveness despite the periods of employment having been approved as eligible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19010
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have made over XXXX payments on my student loans and have been employed in nonprofit ( public schools & state universities ) for over 25 years. I have detailed records of being advised against XXXXXXXX XXXX. Once in the XXXXXXXX XXXX I had forbearances added to my account without my knowledge because I took graduate classes ( this automatically prompts the system to add a forbearance ) so I have payments that were made that will never be counted against my loan. After 25 years I still owe over {$10000.00} and have only XXXX payments count as qualifying for the loan program despite making many more payments. The current provider ( Mohela ) has several inaccurate things on my account which I have been unable to correct. These include saying that the loans are waiting to be consolidation ( have been consolidated over 5 years ), saying they are waiting for employment certification ( I have records of submitting the appropriate documentation ) and they sent me a letter that my account was being processed and my request for discharge would be answered in XXXX business days. It has been over 70 days and I have no correspondence. They have no mechanism to talk with an account XXXX. I have waited on hold for hours, been cut off several times and have had customer service agents run me in circles and then hang up. I have detailed notes on everything and am often reduced to tears because of the situation. I don't know where to turn or who could help me. My loans just keep rising due to being from the early 1990 's and having high interest.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 546XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Issue : My PSLF applications were faxed to MOHELA on XX/XX/2022 with all 3 employer forms signed/completed. I received a qualifying payment update letter dated XX/XX/2022 certifying 2/3 employers, but did not include my employment with the Department of Justice. I never received a denial letter for any of my forms. MOHELA 's website reflects that it was cancelled because it was a duplicate request. There isnt a duplicate application for the Department of Justice, or at least not an approved one, so this pushes the processing time even further due to their mistake. Please note, even though my personal identifiers have been redacted from the attached documents, they were present when the forms were submitted to Mohela
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have submitted a dispute on student loan in XXXX with XXXX for the late payments in XXXX and XXXX. They removed the XXXX one because I told them I was struggling to pay it off as being a resident during the covid time. Now I'm settled as a XXXX, I can pay the loans. They had removed the one in XXXX but not the one in XXXX. I tried calling the XXXX mohela and 3 times they told they'll call back with issue. Three times they told the supervise will all me back but they haven't reached back to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Myself XXXX XXXX ( XXXX ). and my husband XXXX XXXX ( XXXX ) both have loans with Mohela. On XX/XX/XXXX they received a discharge list with our names for XXXX. Our loans are not being updated. They are sitting there. After several attempts we get the same response or a clueless response. It will take XXXX days to process. On one occasion we are told they need to send the list to Department of Education for review. However, this is false. The Department of Education sent our names in a file to them on XX/XX/XXXX. I have an Obudsman from the Department that contacted us the day our file was sent for discharge. I was told it would take a couple of weeks. Nothing has been done and it is over a month. This nightmare has gone on far too long.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello, I am writing a complaint with MOHELA and XXXX regarding the handling of XXXX XXXX XXXX I have been a long time customer with MOHELA for my Federal Student Loans. I originally submitted by XXXX application last XX/XX/XXXX. I had my loans transferred to XXXX shortly thereafter in XXXX of XXXX. I received correspondence from XXXX that my XXXX XXXX XXXX XXXX for XXXX in XXXX of XXXX. I did not hear anything further regarding my XXXX XXXX until I followed up with XXXX in XX/XX/XXXX. It turns out that my application was rejected because I didn't notate that I worked " full time ''. I selected that I worked " part time '' because I always worked XXXX hours per week. I never On XX/XX/XXXX resubmitted only the first page of my application ( it was not told me that I should resend the entire packet pages XXXX & XXXX ) notating that I work " full time ''. On XX/XX/XXXX, I submitted page XXXX of my XXXX application. On XX/XX/XXXX I confirmed with a XXXX representative that the XXXX pages could be combined if they were submitted within 90 days of XXXX another. On XX/XX/XXXX and XX/XX/XXXX I received information from XXXX that my XXXXXXXX XXXX was missing information. On XX/XX/XXXX I again spoke with a representative from XXXX who assured me that my application would be combined and there should be no problem. After speaking to multiple people at XXXX and not being able to confirm I had a complete and accurate XXXX XXXX I chose to submit a new application on XX/XX/XXXX. I received confirmation of receipt for this application from XXXX and my loans were transferred back to MOHELA on XX/XX/XXXX. I have made multiple calls to MOHELA to check on the status of my XXXX XXXX since returning back to MOHELA in XX/XX/XXXX. At times my wait times have been over XXXX hours to speak with a representative. Each time I have spoken to a representative they assure me that I have an application, but are unable to provide information regarding a time frame for possible forgiveness.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am currently a XXXX XXXX XXXX enrolled at XXXX XXXX XXXX. As verified by my XXXX from the XXXX school year. I transferred from XXXX XXXX in XXXX. I have continued to call and try to talk to someone as my loan is showing a payment coming due. Just because this is a XXXX XXXX, does that mean you can never find anyone to assist? I have spent hours on the phone trying to get through only to be looped into a message and the system hanging up. I find this to be an unfair practice when I am a student in college and payments coming due create a hardship since I am not working enough to pay them. Furthermore, I can not start out with late payments on my credit bureau. I need assistance. Once the interest capitalizes will this cause me more harm than if this loan was being handled correctly?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: XX/XX/XXXX XXXX XXXX submitted XX/XX/XXXX App results : despite stating that signed HR forms were not required to submit for XXXX, my app was declined because I could not get it signed. XX/XX/XXXX spent months tracking down the info requested and re-submitted XXXX XXXX. XX/XX/XXXX Consolidation application submitted XX/XX/XXXX Consolidation completed XX/XX/XXXX XXXX XXXX application as suggested XX/XX/XXXX Requested information due to name change from marriage. Submitted all requested info. XX/XX/XXXX Had to resubmit XXXX AGAIN at their request. XX/XX/XXXX XXXX payment counts up to XXXX payments ( the only movement since XX/XX/XXXX ) XX/XX/XXXX Notice of loans transferring to another servicer. XX/XX/XXXX Loans transferred to Mohela Called to speak with them and chatted via their website, was told my loans were " direct to discharge '' on XXXX. I have a screenshot of this. I have no other correspondence regarding my payments or proof of discharge. I'm told that the people answering the phone do not have specifics for me and I just need to keep waiting. I worked at a hospital full time from XXXX, worked at another hospital from XXXX and worked as a teacher from XXXX. I have more than enough months to count toward forgiveness and I feel like my account is stuck on hold and isn't being looked at. I've done everything they have asked and lack any proof of my account being looked at since XX/XX/XXXX ... 6 months ago. Please help me figure out why my account is stalled.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98008
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A