Date Received: 2022-09-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Ideas on my credit report that's still appear on there when it should be removed such as a old account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hi, a while ago I contacted Mohela to request my deferment be removed. I was told that I could not do that because I was still in schoool. Mohela gave me the runaround multiple times so I moved to XXXX XXXX. Now Mohela is handling PSLF so I have no choice but to use them as my servicer. I am trying to remove deferment retroactively to XX/XX/XXXX. Payments were paused around that date and since that point payments were {$0.00}. Mohela gave me bad information and I have since learned that XXXX WAS allowing PSFL eligible people to retroactively remove deferment for this reason. I didn't take out more loans since before XXXX, so I wasn't adding to my loan balance. I want to get credit for the payment pause toward PSLF as I had asked previously. Mohela is also not showing my dates correctly now -- all of my loans show as XXXX but I stopped needing to take out money to pay for graduate school much earlier than that. My old messages are gone from Mohela as it shows they delete messages after 12 months. But I DID contact them with this request. Also, they sent me a tax statement claiming I had paid over $ XXXX in interest last year which I had not done. All I had done was move to XXXX XXXX. I know these are multiple issues, but the one I'm most concerned with is why they claimed I couldn't take deferment away while still enrolled in graduate school to take advantage of the {$0.00} payments counting toward PSLF. I do have record of correspondence with Mohela dating back to XXXX wanting to update my status, but do not have the emails since Mohela deletes them and they don't send the content of e-mails in their notice of a new message. Please feel free to contact me with questions. I really hope I can get credit for those payments since I did ask them to remove it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have requested several to have documentation about what my student loan payment. I have been on an XXXX plan for 8 years and because it is showing as XXXX on the credit report the mortgage company doesnt believe that I have a payment plan. The mortgage company is trying to come up with their own payment which is placing me out of debt to income ratio. I called several times requesting a statement from XXXX and have yet to receive anything. The mortgage lender is assuming that XXXX is there because of the Covid forbearance which I was not on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Ive sent two emails in Mohlea system with no response One was sent on XX/XX/XXXX and the other on XX/XX/XXXX. This group is quickly becoming worse than my last servicer. The XXXX on XX/XX/XXXX was asking about the XXXX process and when Id know about the waiver I submitted in XXXX. The reason I have the questions is Im concerned about what will happen if the application is not processed by the XXXX cut off date.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45324
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: When my loans were transferred from XXXX to Mohela the history of my past payments were not transferred. I am on the Income Based Repayment Plan, and I need all of the past payments I have made to count so that I can eventually reach the total amount of qualifying payments. A photo of the limited payment history that Mohela is showing is attached.
Company Response: Company believes the complaint is the result of a misunderstanding
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: MOHELA/DEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, XXXX or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. MOHELA has failed to provide with the actual contract. Mohela has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I've tried everything. I borrowed $ XXXX in student loans between XXXX. My loan was sold and they tripled what I owed. I've been told by so many that it isn't their problem. Wrong! It is. Because government has not regulated those that buy these loans, you let them charge astronomical interest rates, they can change your loan amount. I now owe over $ XXXX, granted some is in interest but when payments exceed what you can afford and no one wanted to lift a finger to fix all this- you can collect it from no one when I die. Because I'm it. There will be no one.. So why don't we try actually fixing the problem with mine and others- because you can't tell me you didn't know there was a problem. XXXX, just got sold again to Mohela. Think they'll fix any issues? XXXX no- not their problem. Not the state 's problem where you got the loan, not the federal government 's banking problem, not the Department of Education 's problem. So honestly, who's frickin ' problem is it? When you show seriousness I will provide you with my student loan paperwork. Not going to waste my time if you're just going to waste mine. My loans were not up for sale to the highest bidder yet State and Federal Government allowed my student loans to be sold to the highest bidder. I trust the government like a hole in the head, because you have all just passed the buck. Fix it!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made a student loan payment on XX/XX/XXXX through Mohela, my student loan provider. I called Mohela on XX/XX/XXXX and requested a refund for this payment. I was informed by the servicer that I would not receive this refund for many months. I was also informed that I would not receive a confirmation that the refund request was processed. Mohela said my loan balance will not be reinstated with the refunded amount until I receive my refund, which they said was going to take a very long time. I am concerned that I will not receive my refund before XX/XX/XXXX, which is the government deadline to submit a loan forgiveness application in order to not accrue interest starting on XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60004
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: MOHELA | XXXX XXXX XXXX XXXX has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been paid by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit B ) MOHELA | XXXX XXXX XXXX XXXX has violated 15 U.S. Code 1892b ( 2 ) by trying to collect an alleged debt from me outside of my state. ( Exhibit B ) MOHELA | XXXX XXXX XXXX XXXX has violated 15 U.S. Code 1692B ( 5 ) by violating my privacy so that everyone can assume I owe something when I don't. ( Exhibit A ) MOHELA | XXXX XXXX XXXX XXXX has violated 15 U.S. Code 1692B ( 2 ) by stating I owe a debt.. ( Exhibit B )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XX/XX/XXXX I received correspondence from Mohela, student loan servicer for the U.S. Dept. of Education, stating that my existing consolidated student loans in the amount of {$36000.00} would be transferred FROM XXXX to Mohela effective XX/XX/XXXX. The exact language from Mohela stated : " This change in servicer will NOT impact the existing terms, conditions, INTEREST RATE, or available repayment plans on your federal student loans. '' ( Direct Subsidized Consolidated Loan : {$16000.00} + Direct Unsubsidized Consolidated Loan : {$18000.00} minus accrued interest prior to the federal pandemic repayment freeze ) My current student loan interest rate with XXXX was 6.0 %. Upon accessing my account information with Mohela I discovered that my interest rate WENT UP to 6.125 %. THIS IS PREDATORY.
According to StudentAid.gov : " A Direct Consolidation Loan has a fixed interest rate for the life of the loan. The fixed rate is the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of one percent. There is no cap on the interest rate of a Direct Consolidation Loan. '' From Company Response: Company believes the complaint is the result of a misunderstanding State: CT Zip: 062XX Submitted Via: Web Date Sent: 2022-08-31 Company Response to Consumer: Closed with explanation Timely Response: Yes Consumer Disputed: N/A
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