Date Received: 2022-10-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: So I sent a letter on XX/XX/XXXX to remove personal information from my consumer report. According to the fair credit reporting act 12 USC 1681 ( read a then b ) I have the right to privacy. Also according to 15 USC 6802 ( b ) ( c ) No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights and you are causing harm to man
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I've recently received notification from the XXXX on behalf of the US Dept of Education that my application of Total & Permanent XXXX has been approved and my loan is completely forgiven/discharged. The notification was also sent to MOHELA on XX/XX/XXXX for it to process the student loans from it's servicing so that XXXX process the forgiveness/discharge of the student loans in the amount of {$140000.00}. With all of the confusion, administration back peddling, lawsuits filed by or on behalf of MOHELA challenging the student loan forgiveness programs, and recent CFPB announcement regarding the ill acts of loan servicers ; I would like MOHELA with this information to immediately zero out my loans, close the account, and report such to the credit bureaus as quickly and feasibly as possible. I filed a dispute with the 3 credit bureaus to expedite getting the inaccurate reporting off my credit reports ; MOHELA however verified that the $ XXXX balance was correct with at least one of the credit bureaus ; which is erroneous as of XX/XX/2022. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: already filed a complaint forgot to add the second attachment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: MOHELA is horrible. I sent in a message XX/XX/2022. Requesting a refund on the payments Ive made during forbearance. I instead decided to call and handle it quicker. I was on hold for XXXX minutes but was told Id be approved in XXXX days, and be refunded in XXXX days. I sent a message XX/XX/XXXX requesting an update. I sent another message XX/XX/XXXX. I sent a complaint message XX/XX/XXXX. I sent another complaint message XX/XX/XXXX. Ive never received a single reply from any of the messages sent. I have called every day at least once and at different times for the last XXXX weeks and there are XXXX minute wait times to speak to someone. Once you finally get someone on the line, they hang up on you. This is getting absolutely ridiculous. Again, MOHELA is horrible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My loans were transferred from XXXX XXXX to MOHELA on XX/XX/2022. Firstly, based upon information on the transfer page of their website, my account information should have been accurate as of XX/XX/2022 ( see attached document entitled " Servicer Transfer Status XXXX '' ). Secondly, based upon information previously viewable on my account page, my account information should have been accurate by no later than XX/XX/2022. Thirdly, based upon the explanation of the timeline of transfer, my account information should be visible ( see attached document " Welcome - Transfer to MOHELA '' ). Unfortunately, as of XX/XX/2022, my account information is currently inaccurate, showing good standing but a balance of {$0.00} ( see attached document " Mohela Account Home XXXX '' ). As I have not completely paid off my loans, my balance should not reflect {$0.00} and this information is incorrect. As a result, I attempted to call MOHELA on XX/XX/2022 about this discrepancy but the automated system informed me that they had no information about my account. Similarly, I can view no detailed information in my online account ( see attached document " Loan Detail Information MOHELA XXXX '' ). I do not understand why I am still unable to view accurate account information after being informed that my account should be up to date as of yesterday.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I started working for XXXX XXXX in XX/XX/XXXX. I tried to submit XXXX paperwork in XXXX to get my payment counts started, but learned my loans were not the correct type and a consolidation was necessary. This was completed in XX/XX/XXXX when my ffel loans were consolidated into direct loans. Fast-forward to XX/XX/XXXX and the temporary inclusion of ffel payments XXXX. I waited until XXXX XXXX ( apologies, I don't have the exact date written down ) before I called my servicer at the time, XXXX, to inquire why my account hadn't been closed out under the new terms. I was told that the department of Ed had not sent them payment information on prior loans so they couldn't do anything. I nosed around online and found payment information on my ffel loans and included screenshots ( not the best documentation, I know ) along with a fresh pslf form, hoping that would prod them into reviewing the account when it came up for review. This form was never processed and my account was transferred to MOHELA in XXXX ( at least XXXX additional calls had been made to FedLoan seeking status of the DOE XXXX, which I'm told was received, but there was no way to give me an estimate on when my specific data would be reviewed ). We are now 12 months later with an account that has had ZERO action by the servicers, that has a documented qualifying period between XX/XX/XXXX and XX/XX/XXXX. Given the existing qualifying range, this balance should be forgiven without any further paperwork required. I have included screenshots of my XXXX payments made on the ffel loans ( serviced by XXXX ) XXXX as well as screenshots from MOHELA records XXXX the beginning and end of the qualifying payments already recorded. All calls with MOHELA have had wait times in excess of 2 hours with no progress or concrete information available. I am not, and have not asked for much -- just a confirmation my ffel payments are on record and that the loan is scheduled for forgiveness before we enter another tax year. It blows my mind hearing people that had to consolidate their loans and submit pslf forms for the first time being forgiven and I can't get an account simply reviewed and forgiven off historical records. Any assistance in getting this done in XXXX would be much appreciated!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 68116
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Mohela received my loans over a month ago. My payments for PSLF transferred over. However, all of my months I was in forbearance did not transfer and are not showing. I should have 30 ( consecutive months that XXXX put me in forbearance ) XXXX ( cumulative months that XXXX XXXXXXXX put me in forbearance ) I do not show any of those. These are the months that once they finally apply the IDR Waiver will count. Mohela has not returned a message and I have sent 4 so far. The entire loan system is broken, people are being told wrong information. I will reflect back to XXXX when I was with Navient, they put me on extended graduate plan and never informed me about the IDR plan or PSLF. The lack of information cost me thousands of dollars and time I could of become eligible for forgiveness already. I began teaching in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have repeatedly emailed and messaged MOHELA for a month without any response. Their hold times for a phone call are in excess of XXXX hours. It is not possible to communicate with my loan provider to request a refund and forbearance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I messaged MOHELA on XX/XX/22 formally requesting a refund for payments made since the beginning of the COVID-19 payment pause ( https : XXXX ). I have yet to receive even an acknowledgment of my message, and their hotline gives you an incredibly long spiel then says they are not accepting any calls related to this matter when prompted to speak to a representative. Their XXXX says 10 business days for a response if I remember correctly. At this point, it's apparent that they're intentionally ignoring the request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/22, I requested refunds on all payments made towards the student loans during the payment pause phase covered by the Cares Act. Attempted to call and email numerous times since XX/XX/22, but haven't received any update.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A