Date Received: 2022-10-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I can not get ahold of the company to varify that my loans qualify for PLSF
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: In XX/XX/XXXX I received a response from my loan servicer that my ICR plan application was denied due to the inclusion of Parent PLUS loans in my consolidation loan. Subsequently following that I received another response, that Direct Consolidation loans made prior to XX/XX/XXXX, that included Parent PLUS loans are ineligible for IDR plans. The FSA website AT THAT TIME stated that " parent borrowers may consolidate their Direct PLUS Loans or Federal PLUS Loans into a Direct Consolidation Loan and then repay the new consolidation loan under the ICR Plan ''. I have a Direct PLUS Consolidation Loan from XXXX. Although requested many times ( for purposes of obtaining a repayment plan that won't bankrupt me ), I have yet to receive an explanation as to the difference between a Direct Consolidation Loan and a Direct PLUS Consolidation Loan. For the most part, the Dept of Education 's website implies Direct Consolidation loans have an advantage in applying for certain programs, yet I still don't understand the difference. A consolidation loan is a consolidation loan. I would like an explanation as to why the discrepancy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I worked from XXXX for qualifying county agencies for Temporary Public Service Loan Forgiveness Waiver . I made close to XXXX dollars in payments over that time frame in lump payments. The servicer Mohela has sent me a letter saying. I only qualify for 3 payments made since they received my loan from XXXX in the past year. They have not counted any of the other qualifying payments and on the paperwork, they sent me it says they do not have the employment verification for some of the payments to count. I sent XXXX XXXX my PSLF form and employment verification for that time period and it was sent to MOHELA. So they are trying to disallow or disqualify the payments I made that can count towards forgiveness. I want this to be looked into because by my calculations I am very close or should have the loans forgiven.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93001
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2022 I submitted a Public Student Loan Forgiveness waiver to Mohela who is the new loan servicer for federal loans. I have not heard back from Mohela about my PSLF waiver and it is now XX/XX/2022 the final deadline for the PSLF waiver. I need to know the status of my PSLF waiver that I submitted on XX/XX/2022.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60804
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: There were XXXX loan fraudulently taken out in my name through Mohela/Dept of Ed XXXX MOHELA/DEPT OF ED XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX One taken out on XX/XX/22 for {$2100.00}. One taken out on XX/XX/22 for {$1100.00}. I did not take these loans out. They were taken out under my name fraudulently. I have tried to contact the company multiple times and hade been on hold over an hour only to be disconnected. Can you please help me with this before anymore loans are taken out in my name? Thank you so much! XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have some documents that I can upload now but have more significant documents but I can't take time off of work so it ' really complicated i'm sorry this is half a complaint but, the deal is XXXX has been adding capitalized interest to my student loan debt and then XXXX $ in XXXX and XXXX $ in XX/XX/XXXX. Also, I called XXXX in XX/XX/XXXX and spoke to an employee XXXX employee id # -well hopefully I can attach documents but, XXXX said I had to complete a idr/repay doc-i did-then XXXX replied, in letter, that i'd applied/recertified for my repaye/idr too early AND XXXX would or 'may ' apply a forbearance to my account... shortly after this letter XXXX, the capitalized balance of my debt increased XXXX XXXX Then XXXX transferred my loan/debt to mohela ( XXXX ). The ombudsman of the dept of ed assigned my PSFL account to a specialized finance unit -who did a fantastic audit of my qualifying time XXXX XXXX of XXXX. Then my loan was sent to a special unit that was supposed to complete my loan. ... this is when my student loan/psfl went into the ether, until I spoke with XXXX who said i. I could NOT get qualifying months for XXXX, XXXX, XXXX & XXXX or XXXX b/c I'd had a personal bankruptcy. Those YEARS I only obtained 2 months of qualifying months for my psfl even though I was working a pre-approved 'certified " employer. Although I am no longer working for that employer, they were kind enough to provide me with a recent 're-certification ' document FOR ALL THE YEARS I WORKED THERE. I worked for the XXXX of XXXX a qualified govt agency ... full time in XXXX, XXXX, XXXX, XXXX, and early XXXX. Those years should all have been XXXX m onths of qualifying time for each years, instead, I got odd 2 months of 'qualifying months ' at different times. ... It has been hellish looking for the recertification forms required by all agencies i finally found some and have forwarded them to my employer for them to do their part but I can't get mohela to answer the phone and the fedloan tele # we used to call got sold to a marketing agency. Anyway, What I need is for Mohela or the dept of XXXX or somebody to correct my qualifying months.I 'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX normally. I work XXXX hours per week on my feet as a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX providerXXXX XXXXdept of ed/student aid.gov/ & soon mohela will tell you I have XXXX more months to complete. The other thing is, I work 12 months/year. Since XXXX XXXX I have worked for XXXX XXXX XXXX XXXX XXXX time-yet the certifiers of my qualifying months over at fed loan have never given me full credit i.e., XXXX I only got 7 months of qualifying time... In one form or another I've been in an icr/ibr/idr/repaye since XXXX. Somebody has to think about USCode XXXX XXXX on employment law in this country, THE book on federal, state & local employment law, the first line in the book says : The agent is the representative of the principal. I believe if we are working for a XXXX for a XXXX XXXX XXXX, those months should be qualifying months for the psfl, idr, icr, XXXX, repaye b/c if you look at the irs tax code to determine who is an employee and who is not an employee XXXX used classrooms, work pages, school provided computers, school provided learning software, educational XXXX, fidgets, rulers pencils etal to do all the primary duties of my job. ... any other kind of employment i'd be considered an employee ... people are XXXX, the growing number of senior citizens living as debt slaves under this student loan debt is ridiculous. Anyhow, I think my student loan debt has been exploited, mishandled and abused and I want all my qualifying months now. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: The accounts with MOHELA that are parent plus loans were XXXX in federal court in 2009. The company refuses to follow the order by a federal judge to stop collecting or reporting after 10 years. I am asking them to be charged with a crime.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72113
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been trying to get a clear answer about old XXXX loans and loan forgiveness for MONTHS. I talked to MOHELA initially, and they told me that I might be eligible, but I'd have to consolidate, but they couldn't tell me for sure, and they couldn't tell me if I'd lose all the time I've been paying ( XXXX years ). So I tried studentaid.gov, but it's unclear on my specific situation. Now, I can't get through to a real person at either MOHELA or Studentaid.gov. The information is conflicting, and I don't know whether I need to consolidate to take advantage of debt relief or not. I think the deadline to consolidate my type of loan might have already passed, or is about to pass, and I STILL don't know whether I should consolidate. I can't figure out whether I will lose all my years of repayment if I consolidate into the types of loans it is offering. After almost 20 years of repayment and still owing more than half, I think I deserve a chance for debt relief. But I don't want to start over on the number of years I've been paying unless it will really help. By my calculations, if I consolidate and I end up not being eligible, then I will pay thousands more than if I just continue on my current path. However, I'm not 100 % sure, because I can't get a report that shows me how much I've already paid, total, in 18 years. The report only goes back to XXXX Further, it looks like the only loan I could consolidate into would more than triple my current payment. I can't pay {$1500.00} a month on the hopes that my loans will be forgiven. So frustrated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 65721
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I am filing a complaint against Mohela because I have submitted my PSLF Loan Forgiveness paperwork and PSLF limited waiver on XX/XX/XXXX via fax to XXXX. My servicer was then, and still is now, XXXX. However, when I contact XXXX now and I ask them about the status of my PSLF application they confirm they have recieved it but say can give me no other information. I am told by XXXX to contact Mohela. Yet when I call Mohela I am directed back to XXXX by both their phone agents and their phone greeting. I am told they can give me no information. So there is this back and forth that makes no sense and I have complained to both companies that I have been sent in circles and neither company has cared to address why this is happening. There is also utter confusion about the student loan pslf form and who to submit it to. Back in XXXX the PSLF and Limited Waiver Form stated on the form to send the completed form to the U.S. Department of Education at fax number XXXX which Is where I sent the completed form. Now I am being advised on the XXXX website and by XXXX agents to contact Mohela and Mohela says they do not have my PSLF form. It's been 9 months since the form was faxed to student aid and there should be no reason mohela is saying they do not have it when XXXX has confirmed they have recieved it. And why am I having to deal with three different entities on this issue with each referring me back to the other. XXXX has also been horrible. They have yet to give me any information about anything. All their agents give me is phone numbers to other places. They can't answer anything about the PSLF waiver or status or processing or anything. Today I went to Mohela 's website to try and upload the completed pslf form to them although the other agencies, XXXX and XXXX have the form, and I get an error that the back button or bookmarks can not be used to upload any document and it refuses my XXXX upload. I even tried to upload XXXX images which the site says it accepts and it rejected them too. I recieved the same error message from both my phone and my laptop computer. Mohela is not letting me upload any documents. Is this by design? Is this company playing games with students by making it impossible to submit our documents online and by refusing to acknowledge documents which were sent off and recieved 9 months ago? I am aware that a federal civil suit has been filed by the AG of XXXX on behalf of this agency to stop student loan relief saying they will lose money. Is this an action taken by the company to confound the loan forgiveness process? I started calling student aid, XXXX, and later mohela months ago to get answers. Months have passed and I still have no answers other than XXXX pointing out that they have the PSLF form yet directing me, again, to Mohela who directs me right back to XXXX. I need confirmation from Mohela that they have my form. It's in the XXXX.XXXX website too because Mohela links students to this website. I need them to pull the form and process it. The U.S. claims to be the most powerful and this entire student loan forgiveness process has been a royal sh.. show. We have submarines roaming the depths of the oceans and state of the art XXXX yet the Federal Government and Mohela can't figure out a way to share documents with each other. Although they can link to each other 's websites. I need some information on my PSLF. It's a shame I have to file this complaint to get it. And just for information. I have {$120000.00} in outstanding student loans. Over a decade ago I consolidated about {$50000.00} of my loans with the Federal Government. I eventually went to XXXX school ( I completed my XXXX in XX/XX/XXXX ) and these loans are not consolidated. So I have many loans I know qualify for loan forgiveness. It is possible I have some that do not. When in XXXX college I recieved the pell grants although for some reasons on the student aid website they only show one pellgrant. This is not correct. I recieved several. Although one is still good enough to qualify me for the {$20000.00} loan forgiveness. I was the XXXX child of XXXX children from XXXX XXXX XXXXXXXX ( the XXXX region on America ) and my mother made around {$8.00} an hr or so working for the XXXXXXXX XXXX XXXX XXXX XXXX Although she had been out there since I was born I do not believe they recieved raises. They also never recieved XXXX being paid with Time Off hours. We were so poor. So yes I qualified for every grant there was and I know I should have recieved far more than one grant. Please answer all of my questions about the PSLF form I submitted. Please Confirm reciept of my PSLF and Limited Waiver paperwork. If Mohela does not have it I want them to pull it from XXXX which is where they linked me. Please confirm processing and provide status updates. Please assign me with an indidvial who will be my main point of contact as well. Please get er done. I've attached my PSLF document as well to this complaint so Mohela should have no excuse. None whatsoever.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75240
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have one student loan remaining and it incorrectly shows that I was in forbearance for a period of 2 years. I was not in nor did I request to be in forbearance for one loan during this time period. I requested and received a complete record via a Dept of Ed FOIA request and it and it listed all payments were made to the account during that time. I've submitted complaints and requests for re-review but the review has been stalled for months. For reference, my other two loans that were paid at the same time and in one payment were already discharged but this one was somehow left out. The loan was transferred from XXXX to XXXX and then to Mohela, however the error occurred before this when the loans were held by XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A