Date Received: 2022-08-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I took student loans to attend XXXX XXXX, in which later I refinanced with XXXX because I could not afford monthy payments. XXXX has a law suit for fraudulent claims. I then refinanced again with XXXX because of high interest rates and now I do not qualify for any loan forgiveness which I was not aware, that I would be giving up so much help with student debt. I now have contract with XXXX, and make payments to Mohela, which is confusing. People who attended college, refinanced with XXXX received forgiveness and now I am with XXXX I don't get anything. Is there any hope for me?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I believe I am currently eligible for Public Service Loan Forgiveness ( PSLF ) under the limited waiver. I have submitted multiple ECF forms and PSLF applications, including in XXXX, XXXX, and XX/XX/XXXX. I am trying to understand what my current payment count is. I consolidated my federal direct loans in XX/XX/XXXX and my account was transferred from XXXX to MOHELA. Since that time, MOHELA has failed to give me payment count that includes any of my work from XXXX XXXX. I have been employed continuously by either the state or federal government in qualifying loan forgiveness programs since XXXX ( which both XXXX AND MOHELA have confirmed ) and yet I have NO payment count and NO estimated forgiveness date. Can I please have someone who knows what they are doing call me and tell me : What is my current payment count, from XXXX to the present? This should not be hard. I have worked for either the state or federal government my entire legal career and submitted my ECF forms dutifully at least annually. Please do the bare minimum and get MOHELA to process my payment information from either the Department of Ed or XXXX. I believe I am currently eligible for forgiveness and they are deliberately delaying processing my forms so as to avoid having to give me the PSLF forgiveness I am eligible for under the waiver. It's been so long and the delays and excuses are exhausting. Please get MOHELA to do their job.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02140
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXXXXXX Account my rights have been violated 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have requested a refund of all payments made during the COVID-19 pandemic forbearance. Thus far, I have received a small portion of payments made. I have multiple attempts to contact MOHELA regarding this. I am unable to get ahold of anyone my telephone and have received no response through the web messenger. The only response I have received is that XXXX XXXX has to process the request as my account was transferred from them. I have contacted XXXX XXXX and they have said that all inquiries must be directed to you. I am again requesting a full refund of all payments made to both MOHELA and XXXX XXXX during the COVID-19 pandemic forbearance. Respectfully, I demand that MOHELA fulfills its new responsibilities as the servicer of this loan, and properly coordinates with XXXX XXXX to expeditiously facilitate the processing of this request as soon as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: It seems like when my student loan transferred from XXXX XXXX XXXX XXXX before transfer {$5500.00} on XX/XX/XXXX ) to Mohela ( Original Balance XXXX / Current Balance {$11000.00} XX/XX/XXXX ) the amount was increased significantly. I have documents supporting my claim. I called Mohela about this and was told it was a mistake on their part, this was around XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76708
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello, Thank you for reading this. I applied for XXXX with XXXX in XXXX of 2022. I have been getting denial letters. I then applied for mohela, but can't get a loan count from them. I don't know what to do next. Most recently, fed loan sent me a letter saying that I have to resubmit my paperwork because my employment start date is after my employment end date. This is not true, my paperwork is fine. I tried calling mohela, but they said they don't have my loans yet, and they are not sure if my paperwork is correct or not. Initially, they said the paperwork was fine, but then they said it all had to be resubmitted because the signatures were too old. Can someone help me with both XXXX XXXX and mohela. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2022, I submitted my Limited PSLF Waiver application to XXXX XXXX. I called in XXXX of XXXX to check on my application status and was told I needed to wait 30-90 days. At the 90 days mark, XXXX of XXXX ( longer than 90 days ), I was notified through my account that my application was denied due to missing information. I called to clarify what was missing. I was told the missing information was my employment verification form. I immediately resubmitted my application, as the employment verification form was included in my original application. In XXXX of XXXX I called again to check the status of my application. At this time I was transferred to a supervisor who told me that the XX/XX/2022 application DID contain my employment verification form, but it was misplaced by XXXX personnel. The supervisor informed me that because the application was submitted as a " new '' application in XXXX, not a review, the entire application process " started over '' at the 30-90 day count. On XX/XX/2022, I received written communication from XXXX XXXX servicing that my application was missing information and the employment verification section had inconsistent information. I immediately called XXXX. I was told that my employer put " current '' for the end date and also checked a box below that stated " still employed ''. The representative I spoke with said they would put the application in for review, because they found this technicality redundant but not cause for application denial. I was told to call back in 5-7 business days, as well as, encouraged to file a complaint with Borrower Defense . I attempted to call back after 5-7 business days and after waiting on hold for 45 minutes, I was unable to get through. On XX/XX/2022, I waited on hold for two hours and spoke with a representative who said that my application was in the process of being transferred to Mohela, the new servicer. However, in this call, she also stated that a notification went out to all XXXX representatives this day stating they are to not transfer any applications that they have already started. It has now been nearly 180 days from my application and there is no resolve. The representative on today 's call said she would put in a request for another review and that the decision regarding the clerical error of redundancy was " petty ''. I was told, yet again, that it will take 7-10 business days for a review ( a review that was supposed to happen back on XX/XX/XXXX. I was told I will not be notified of this decision for another 3-4 weeks after the decision has been made, and Mohela will be notifying me. I am beyond frustrated and feel that there has been a lot of finger pointing with little inaction or solution. Moreover, based on the conduct of this process, I have little faith that my application will be adequately reviewed, nor considered at this time. I am hoping for an honest consideration, as I believe I have met the requirements of the " Limited PSLF Waiver '' opportunity. I am an educator who will not have the time to sit on two hour holds to check to see if my application is being processed in a fair and time guaranteed manner. Any help you can provide would be greatly appreciated. I am also hoping that this could provide some accountability to help those in very similar situations as myself.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97302
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I recently consolidated all of my students loans to apply for Public Service Loan Forgiveness ( PSLF ). When I did so, my credit score dropped by XXXX points, apparently because the individual student loans were closed to consolidate them into one large loan to qualify for PSLF. This is bogus and I'm wondering why this is and whether this is legal or not. It appears to be retaliation for applying for a federally-authorized program, for which loan consolidation is required.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I recently ( XX/XX/2022 ) had my student loans transferred from XXXX to Mohela. The process has been awful and difficult. I have been attempting to track my payments online and to see detailed information about payments I have made towards the Public Service Loan forgiveness program. First, XXXX kept declining my requests to count payments ( form was submitted in XX/XX/2022 and XX/XX/2022 and again in XXXX 2022 ) after it was denied multiple times ( even though the form had been completed accurately ). XXXX just would say that the form was denied but they couldnt explain why. They suggested I resend it and I did. It was then declined again. After not getting a response, I finally gave up and my loans were moved to Mohela. The tracking since moving to Mohela has been terrible. I have called them on multiple occasions to inquire about when I could anticipate an updated payment count only to be told that the XXXX data was kept in a way that would not be accepted and tracked in their system. The person I spoke to said that they have had to get new software and to be patient with them. This conversation occurred in XX/XX/2022 about this and still dont have clarity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01040
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I received an email from MOHELA stating that the processing of my student loan forgiveness forms is being delayed. I was told to sign in to receive information ; however, when I attempt to sign in, I am told that they have no record of my accounts, so I need to register with a new account. When I attempt to register with a new account, I am told that they already have someone under my ssn. I tried to call and was hung up on several times by the automatic system. My loan was transferred on XX/XX/XXXX and I very close to loan forgiveness and now I am getting the run around by this company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A