Date Received: 2022-11-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Dealing with XXXX XX/XX/2022 I reached XXXX payments ( my form had been canceled ) XXXX I called multiple times and submitted another form and was told I would not transfer to Mohela. XX/XX/XXXX my 124 approved payments transferred. I called Mohela in XXXX and was told all was good and it would be discharged in a couple weeks. Its been 3 months and nothing has happened. Its next to impossible to speak to anybody there now. This process has been going on for 7 months. Another person went this route and suddenly the got a forgiveness letter from Mohela. Trying this because I dont know what else to do anymore.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My servicer changed from XXXX to Mohela early this year. They were supposed to have everything transferred over. I need proof of payment going back further than the transfer date. I need this for tax purposes. If I don't get it, I will have to pay back a significant sum for the tax credit I received. I've made all payments on time, even during the COVID deferment period. The statements prior to the transfer date are not made available online, so I called Mohela to request them, as it says we can do. XXXX XXXX also told me I had to call Mohela for those statements. The representative told me they would be mailed to me within 30 days. That was three months ago. I have received nothing. I don't know what to do about it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21811
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of XXXX amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.
Company Response: Company can't verify or dispute the facts in the complaint
State: NM
Zip: 88101
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: MOHELA is my student loan servicer. I have sent them a message and I've tried to call them to inquire about my income driven repayment plan recertification date. My account says the recert date is XX/XX/2023 but the student aid.gov website has mandated that recertifications are pushed out until at least XX/XX/2023. I've tried calling them many times but there is a complicated convoluted phone tree and I am unable to be able to get through to an agent to discuss the situation. I've also had my phone call dropped numerous times when I tried to recall them. The automated system states that my income driven repayment date is XXXX XXXX and that if I don't recertify then my payment will jump up to {$1400.00}. I am terrified because I would be unable to afford that.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 61832
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have called XXXX separate times in XXXX weeks and also chatted with a representative and received XXXX different answers. MOHELA has constantly changed the answers and information given to me. They refuse to clarify the process or expedite my concerns. I have met requirements for loan forgiveness at XXXX payments and the same approved employer. I was first told I was on a discharge list to be discharged within a few weeks, then told I was not on a list at all, then told on the list but 120 days. I need help please and to be told accurate information. I am eligible for immediate discharge and I do not deserve to keep getting different information and no help on this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I stayed on the line for almost an hour for someone to even pickup so I can discuss my account and what terrible and UNPROFESSIONAL customer service. The rep had no idea how to address any of my questions and started to just LIE to provide answers. How am I supposed to receive any clear answers when Mohela 's reps are this unprofessional and not even trained for this role. SUCH a SHAME. I need clarification for my public service loan forgiveness and I do not know how to even have any of my questions addressed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60645
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with XXXX XXXX XXXX and XXXX. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX XXXX, XXXX ) will not block these fraudulent accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Student loans were consolidated and transferred from XXXX to MOHELA with a completion date of XX/XX/22. Public student loan forgiveness tracking is still not updated. Spoken on the phone and with multiple representatives through the MOHELA chat feature and receive different information each time. It has been over 90 days since the transfer was complete and today I was told by a representative that I need to wait up to another 90 days for my payment tracker to be updated for a potential total of over 180 days.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95624
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am seeking loan forgiveness under the PSLF and TEPSLF. I originally applied in XXXX. The following year, I tried to submit an updated form to verify employment. It was never processed and I was denied access under XXXX. With the new and temporary changes, I applied again. However, right in the middle of the process, my loans were transferred from XXXX to Mohela. All of my information was not properly transferred, which includes the form I submitted. The form verifies all of the information required. I have been employed with the same qualifying employer since XXXX. My count towards loan forgiveness does not include all of my time which makes me ineligible when I should be. I keep getting the run around. I would like for my information to be updated including using the IDR waiver. It would place me well over the required XXXX payments. In addition, I submitted a new form ( XX/XX/XXXX ) before the XX/XX/XXXX deadline. I was told they were waiting on that form to process. I stated to them, prior to my loans being transferred on the XX/XX/XXXX, I had an approved form in XXXX XXXX XXXXXXXX from XXXX and why weren't they using that. It's not fair I have to wait an additional 90 days. The transfer left me in this unforgiving holding pattern. Please help if you can.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11542
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have recently contacted XXXX, Mohela, XXXX, and XXXX. I recently had a student loan XXXX because I am XXXX and XXXX XXXX. XXXX and XXXX has this loan as XXXX. That's good. My question, and problem, is that they keep reporting late payments from about 5 years ago. I'm XXXX, have XXXX XXXX XXXX XXXX, as well as other XXXX XXXX problems, and it will do no good for me to have the loan XXXX and carry the late payments, which are under dispute. I say under dispute because I received a forbearance or deferment during those times, my income never went up, and thus should've been in forebearance or deferment. That is proveable as I get income from XXXX XXXX and XXXX. Besides that, each of the XXXX entities above claim that the other is the one to delete the " late payments. '' So who would be responsible for doing that and who does what next? This is very troubling and confusing. You simply can not get XXXX on the phone... they've set their phone menu up to direct you to their website in EVERY CASE. Mohela is so busy that in practicality you can't reach them. Only XXXX can be reached on the phone. Otherwise I send messages and they refer to the other party. Now tell me that this isn't a common occurence. People need to know the solution to it, rather than wringing their hands. I'd like to get this resolved before I die ... surely my last words wouldn't be that I had late payments on this initial {$15000.00} student loan, that was supposed to be taken off after teacher service at a low income school. This loan was taken out 35 years ago, and I've suffered enough, with a balance of over {$200000.00} until recently. So, which entity starts the process? Who finalizes it? Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84790
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A