Date Received: 2022-12-05
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: The issue I have is when I contact the office with a complaint, my payment doubles. It went from {$300.00} to {$600.00} to {$1200.00}. This caused me financial hardship. I had to pay overdrafts and it wiped out my savings. I had to pay other bills late which caused late payment penalties. I had my checks returned from my bank for other debts and this resulted in a disruption in my payment history with other debtors. I have tried to call Mohela who has my loans on many occasions. I am on hold for a long time and then I am disconnected once they answer. I tried to call them most recently on XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53212
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: All of this information is available in my account. I applied for Public Service Forgiveness on XX/XX/ with my employer verification. I am showing 120 qualified payments which should qualify me for discharge. I received a denial letter on XX/XX/ even though I met all requirements. I called on XXXX the lady I talked to saiid it was an erroneous letter and I was being sent for final approval which could take up to a month. It has been a month. I have sent Mohela three messages beginning in XXXX and received one form email that addressed none of the issues. Mohela has no capacity to answer the phone or messages.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Im in the process of getting my student loans forgiven ( PSLF ) through Mohela. During this process I noticed a five-year gap XXXX. When I inquired about this to Mohela reps I was told that since I filed for bankruptcy in 2012, those payments would not count toward forgiveness even though I continued to make payments during that five-year period. At the time of the bankruptcy filing, I was told that student loans could not be included and that I was still required to make regular payments which I did. It seems that the Department of Education automatically coded my student loans as XXXX and did not notify me that they had done so. All of the payments that I made ( around 60 months ) just disappeared when it comes to the Department of Educations loan forgiveness program.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On XX/XX/2022, I received an email from MOHELA telling me to expect to receive a welcome letter by mail within XXXX business days. To the best of my knowledge, I still have not received this letter as of XX/XX/2022. As noted in the email, I attempted to contact Mohela by calling them during their Saturday business hours at approx. XXXX ET ( or XXXX CT ) on XX/XX/2022 to discuss not receiving the welcome letter. Unfortunately, upon making it through the many announcements and menus, the system automatically disconnected and I was unable to speak to a representative and still do not have information regarding my welcome letter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credot reporting act XXXX Account # XXXX has voilated my right. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumjer reporting agency can not furnish a account without my writtien instructions. 15 USC 1666B : A creditor may not treat a payment an a credit account under an open end consumer credit plan as late for purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77034
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Im in the process of getting my student loans forgiven ( PSLF ) through Mohela. During this process I noticed a five-year gap XXXX. When I inquired about this to Mohela reps I was told that since I filed for bankruptcy in XXXX, those payments would not count toward forgiveness even though I continued to make payments during that five-year period. At the time of the bankruptcy filing, I was told that student loans could not be included and that I was still required to make regular payments which I did. It seems that the Department of Education automatically coded my student loans as XXXX and did not notify me that they had done so. All of the payments that I made ( around 60 months ) just disappeared when it comes to the Department of Educations loan forgiveness program.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On XX/XX/XXXX I submitted an employer certification form to Mohela. I have contacted them several times to try to get an updated estimate on when my payment counts will be updated due to a time sensitive issue with a loan repayment program I am participating in. They first told me that my form was not even acknowledge until XX/XX/XXXX and it would be 90 business days after that to get an updated payment count - even though it was marked processed before that date and I received a message on XX/XX/XXXX stated it could be up to 90 business days from XX/XX/XXXX. They are unwilling to be helpful in anyway to give an update on where the form is at in processing and unwilling to be able to expedite anything for a reasonable request. The student loan industry is in obvious upheaval, but over and over and over again we are all being told to wait wait wait and don't ask questions, there's no one else who can help you, etc.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I submitted my application for the Public Service Loan Forgiveness Temporary Waiver in XX/XX/XXXX. I obtained certification from both my employers for continuous PSLF and TEPSLF qualifying employment since XX/XX/XXXX. Under the waiver, I believe I now qualify for forgiveness. The first servicer XXXX acknowledged my application and notified me of missing information, which I supplied to them in XX/XX/XXXX, and never received any further information about processing of my loan. In XX/XX/XXXX, once the transition of the PSLF/TEPSLF servicing was transferred to MOHELA, I called to inquire about the status of my application and was told to wait until they reviewed my information. On XX/XX/XXXX, I checked the payment tracker and noticed that loan payments made between XX/XX/XXXX and XX/XX/XXXX were not reviewed or accounted for, and that some payments were listed as " no payment was due. '' When I called to inquire about this, I was advised that the employment certification forms sent to MOHELA from XXXX were truncated and difficult to read and I was advised to resubmit my employment certification forms. New employment certification forms from both of my previous employers were uploaded to the portal on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received multiple notices in the mail stating that my application for PSLF had been denied, and these forms indicated that my qualified employment dates had not been documented correctly. MOHELA had only documented as certified employment from XX/XX/XXXX- XX/XX/XXXX, when I have submitted certification documents from public service employers ( a city government and an academic XXXXXXXX XXXX XXXXXXXX ) continuously since XX/XX/XXXX. I called again on XX/XX/XXXX and was advised that there probably had been a systematic computer error when reviewing my application and a reprocessing request had been executed. At that time, I was advised to wait until XX/XX/XXXX to see if changes were made to my payment trackers indicating the application had been reprocessed, and if not, to call and request my application be referred to the escalation team. On XX/XX/XXXX, I checked my account and called to request my application be referred to the escalation team. At that time, I was told that I could not make that request and that I yet again had to wait until the application was processed. At that time, I requested to speak with a supervisor and have been on hold for over two hours. It is extremely frustrating and unacceptable that MOHELA continues to make errors when reviewing my application AND when I call to rectify the situation am repeatedly told my only recourse is to continue to wait.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am currently XXXX XXXX military and qualify for XXXX for my time working in public service. I have been on XXXX XXXX since 2008 and in repayment on my loans. I recently consolidated to take advantage of the XXXX waiver benefits. Erroneously Mohela my loan servicer is categorizing my employment as for profit. Ive spoke with representatives and keep getting that they admit the mistake but have not fixed it. The company has admitted the error on there part but still has not corrected it and i have been in a holding patter since XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have been attempting to speak with or communicate with Mohela Student loan about my loan forgiveness for XXXX. They refuse to provide any data or to process my application to XXXX despite repeated phone calls and messages requesting assistance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75110
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A