Date Received: 2022-08-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loans formerly serviced by direct loans have been transferred to Moela and not only do they stall and refuse to process my application for PSLF, TEPSLF ( loan forgiveness ) but did many years my three years of services in XXXX XXXX back in 2009 onward was not processed as qualifying payments and tge servicer is trying to beat me from qualifying from TEPSLF when I was inform gym. One their reps on the phone ( which I may be able to obtain transcript of conversation ) that when moela acquired my loan from direct loans the did not receive sufficient or accurate paperwork from prior servicer which that servicer has a lengthy history of being disgraced by other consumers and plagued with legal issues.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Date Reported XX/XX/2022 A student loan by Mohela/ Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been in Public Service my entire life. My student loans have been serviced by XXXX XXXX XXXX XXXX, XXXX, US ED. Recently I had looked into the PSLF waiver as being a potential option for obtaining loan forgiveness. I used the tool which led me to the consolidation application. I went through obtaining all the necessary signatures from XXXX different schools, cooperative services and public agency where I currently work. These are loans that I have been paying since XXXX. Granted I was in and out of forbearance, because my starting teaching salary was just under XXXX a year at a private school which bumped up to XXXX when I went public. I went to the studentaid.gov website and started to investigate the potential... It is NOT clear what applies to the waiver and what doesn't. You are not sure if the information had been updated. The waiver callouts make it difficult to know what is applicable and what isn't. I did a lot of searching as the fragmented bullets of what makes you eligible does not sufficiently explain how those pieces work together. The website tells you to consolidate your FFEL and direct student loans. It was not clear that they shouldn't be consolidated together. When using the application it lumped them both into the application. While it does say are you sure that these are the loans that need to be included, it doesn't provide an explanation that existing direct loans should not be included. I had two. The bulk of my loans were FFEL loans. Additionally, The website says, " Time-limited changes to Public Service Loan Forgiveness ( PSLF ) Program rules allow borrowers to receive credit for past periods of repayment that would otherwise not qualify for PSLF. The changes end on XXXX XXXX, XXXX. '' What it does not say is... ON DIRECT LOANS ONLY. This led me to believe that any payment you had made prior on " any plan '' ( also NOT any plan under a direct loan '' ) that you had had could qualify you for loan forgiveness. but you have to consolidate into a direct loan to be eligible for the waiver. Ultimately I applied for the consolidation and took a significant amount of time in gather the employment verification to complete the process. After a couple of weeks I called MOHELA the serving company to call because I was already listed as denied that was dated ( XX/XX/XXXX ) before even sending in all the verification. There was no link, So I couldn't click to see any application or what had actually been denied. Which confused me because I had gotten an email confirmation that stated they had just received my " request '' ( XX/XX/XXXX ). On XX/XX/XXXX. I received an email about a process delay. Because of this confusion, I called MOHELA and got the automated voice... wound up then calling some other loan services, which had no record of my application. They suggested I call MOHELA back and talk to them, because these were different agencies. I then called MOHELA back and went through numerous automated messages that did not apply to me to get to a human being. She reviewed with me the emails that I had gotten and I felt satisfied to wait. However, still in being confused about previous payments that would not otherwise qualify, I had asked what people are denied for as specifically asked her about two remaining questions .... Did my previous payments need to be on a direct loan specifically? As well as the reimbursement on anything above 120 payments. Even though I did not get was a complete direct answer, to those questions. Nothing left me believing otherwise, I left that conversation positive and confident that I would qualify. Also left me back at the website trying to understand all the information and piece it together. I found an answer that FFEL was not eligible for reimbursement. Yesterday XX/XX/XXXX I received 5 identical letters saying that I was denied PSLF as not having 120 qualifying payments. Also that all the loans had been consolidated and direct loans that I had been paying for payments started over at 0 qualifying payments. Not only that, when I received the terms of my loan, they were consolidated into the highest interest rate, over the course of a new 180 payments. Also, not made clear anywhere " how '' how they would be consolidated. Which means that I will STILL be paying this into retirement, if I don't make additional payments to try and get it paid off early. I am an uncoupled individual, I pay all of my own expenses. I was paying nearly XXXX a month already on students loans prior to this consolidation. Not knowing how all the information comes together can lead people to understand differently given background knowledge, life experience and matching that up with information presented. Even the application says, " I believe '' that I qualify now. I didn't qualify for teacher forgiveness even though that has been my soul professional all my life and in a low income school. I don't qualify for public service loan forgiveness either. I had considered consolidating into XXXXXXXX XXXX in XXXX, but it would have been a 10 year plan so qualifying payments would not really mattered as compared to the life of the loan. I couldn't afford the payment switch to that consolidated loan with my salary at the time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53590
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am a victim of predatory lending by XXXX XXXX XXXX currently oweing {$40000.00} in student loan debt. I informed the U.S. Department of LaborXXXX XXXX XXXX defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Often times the class was lead by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower.
Company Response:
State: AL
Zip: 35020
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello. I consolidated my federal loans in XXXX and have been participating in the Public Service Loan Forgiveness program since that time. I currently have 120 qualifying payments. I have worked full time/40 hours at a non-profit since XXXX. My loan server has been fedloans during this time. I applied for PSLF through XXXX in XX/XX/XXXX. I waited 3 months for a response and then received a denial letter stating reason is not being employed full time. I have worked full time since XXXX. When I spoke with the XXXX rep, they stated they thought there was a scanning error and " 40 hours '' looked like " 10 hours. '' I disagree and think it looks like 40 hours. Nevertheless, I re-submitted a PSLF application to fedloans. Shortly thereafter, my loans began a transfer process to Mohela that took two weeks. I went ahead and submitted my PSLF application to Mohela. I additionally submitted old employment certification forms from previous employers to Mohela. I spoke with the Mohela rep who tells me it could be mid XXXX before anyone gets around to looking at my application. I have been getting the run-around for 6 months now. I qualify for PSLF and would like my application reviewed so my loan and move forward with discharge. I have been participating in this program for over 10 years and should be prioritized above other borrowers who now only qualify under the new rules.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Ive been with XXXX student loan services since 2019. Financial hardships have caused me to not be able to pay some of my loans in a timely matter so I asked for a forebearance. I even consulted with an employee who warned me about the possibility of getting rejected because 1 tiny detail may be wrong. Sure enough, I was rejected a third time and when I asked why, I waa told the information didnt show enough despite me consulting with a member of XXXX XXXXXXXX XXXXNT on getting it looked at! Its clear these guys are practicing predatory loaning and they need to be shut down IMMEDIATELY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I made a call to what I thought was my student loan lender of XXXX, it however ended up not being the true XXXX. The customer service provider attained my social security number and tried to " sell '' me a buy in to student loan forgiveness for {$3000.00} at this point I knew this wasn't the XXXX that I was trying to contact. I have reported to student loan services.gov. They advised me to report this experience here too. This company hacked my password and log in info to my federal student loans and reset my information. This happened on XX/XX/2022 at approximately XXXX. I have since reset and secured my student loan log in.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45420
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In XX/XX/2022, after XXXX university has been brought up on charges, I came forward to my complaint with the school. I applied for the loan forgiveness program based on the fact that my high school diploma was not a credited diploma. I got the diploma online at XXXX XXXX XXXX XXXX which i found out later was a fraudulent school. XXXX university knew this because while applying for the loans, this issue came up. However, the school still allowed me to attend anyways which destroyed my life! The school also forced me into signing up that day. Said if i didn't, I would not get their deals and promotions or a guaranteed seat in the classrooms. I had 2 different applications in 1 for borrower of defense which i applied because they pressured me into signing up, and also told me my grants would cover the cost of my tuition which was a lie! I struggled to pass my courses because of a learning XXXX i had all my life. If you look at my transcripts, you will see i attempted to retake failed courses which ended up raking up my tuition. My second application which is the one i am complaining more about is the False certification ability to benefit application. Since my high school diploma was fake, my loans by law should be dismissed due to XXXX university overlooking the fact that i had no credited high school diploma at the time of signing up which is illegal! By law, you can not enroll in school without a credited high school diploma. Mohela is refusing to properly process my application! They keep shutting me down with no explanation whatsoever! They keep denying my application the day they receive it telling me they did no investigation whatsoever on their part and is just denying it for no reason! I have just as many rights to have my loans forgiven like any other students did. The fact is that XXXX did me wrong and is not fair to me to make me suffer for the rest of my life for their mistakes! I think the laws are also unfair where you can't file bankruptcy on a student loan that is more than 10 years old! This is not fair either. I have no intentions of ever finishing school. I ended up resigning without a degree of anytime due to my learning XXXX i have. By law, these loans should be forgiven due to the fact that i never had any kind of credited high school diploma. I submitted the application to mohela twice, and they keep refusing to do any kind of investigations on it! Keep signaling me out. I will take this to court and sue Mohela for violating my rights as a student! This is not fair to me that i was mis treated at XXXX and should not have to pay for their mistakes. I just reapplied for the loan forgiveness in XXXX, and again never investigated it just denied it for no good reason. I have a good case and will take this to court if i have to. I'm also planning to file charges against XXXX as well for fraud!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60172
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92008
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am writing because of difficulties accessing the Public Service Loan Forgiveness program. I am currently a post-doc at XXXX and have been since XXXX. In XXXX, I sent in a PSLF verification form but received no response. In addition, my loans were not transferred from XXXX XXXX to XXXX as required. This year, in early XXXX, I again sent in my PSLF verification, both by fax and by letter. I have again received no response. The PSLF form is correctly filled out : it was filled out by XXXX, whose HR department knows the requirements and explicitly confirmed in email she properly signed the document. I worry the continuing non-response will jeopardize my ability to participate in the program. Without being part of XXXX or MOHELA, I can not track the status of my PSLF applications or receive feedback concerning whether they have been accepted. I have other, older PSLF forms ready from earlier in my career but I do not want to fax and mail more documents that get me no closer to my goal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A