Date Received: 2022-02-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Mohela keeps placing my loan in forebearance although I specifically contacted them and told them not to. They are not applying interest hoping to capitalize my interest. They are also posting payments late.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Back in XX/XX/2021 I received correspondence from MOHELA, a department of Education Servicer stating welcome to Mohela. I sent over a certified letter requesting validation which has my signature in wet ink. Mohela sent over correspondence stating my request is in process. Today I received another correspondence stating that they enclosed information that I requested. As you can view as well. Mohela failed to provide me with the Validation that I request. In the documents that they sent over it states that the following documents are under separate cover : Payment History and Master Promissory Note which is not what I ask for. This does not show Validation. 15 U.S.C 1692g Sec .809 ( b ). I also would like to bring up the inaccuracies reporting on my credit report from this creditor. XXXX I have no student loans debts. XXXX is reporting a different creditor which I have to deal with as well. This creditors just places an items on my credit report without validation or verification of debt. As a Consumer I have rights.. 15 U.S.C 1681q,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: My loan servicer, MOHELA, offers a Teacher Loan Forgiveness program for teachers who have accumulated at least 5 years of teaching experience at qualifying Title I schools. When I learned about this opportunity, I discovered that the schools I've taught at for the last 8 years are all listed as a qualifying school under their " Annual Directory of Designated Low-Income Schools for Teacher Cancellation Benefits '', and as a XXXX XXXX XXXX I am eligible for {$5000.00} forgiveness. I sent my application to my XXXX XXXX to have their CAOs XXXX XXXX XXXX, then submitted my completed application to MOHELA through their online platform on XX/XX/2022. On XX/XX/2022 I logged into my MOHELA account to check on the status of my application and saw that it was denied. There were no details provided indicating why the application was denied or if there would be further communication about it. I called their customer service line to determine why my application was rejected in order to reapply after making corrections. The representative I spoke with told me that the note left on my denial was not clear, and that she could not determine their reasoning from the information provided. She went through my application line by line, but was unable ascertain why it was denied. After putting me on hold to look into it further, her best guess was that my current school 's name was listed incorrectly, but she could still not be sure that was the issue. I reached back out to the head of HR at my current school, who informed me that the name and address they listed was the one used for all teacher loan forgiveness applications, and that they'd never experienced this issue with an application before. At this point I'm unsure of how to proceed to utilize this forgiveness program that I appear to meet all qualifications for.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14217
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XXXX Loan Request ID # XXXX dated XXXX event in time XXXX XXXX given from the company its self that was MOHEILA, That was approved directly after joining the school college university of XXXX XXXX,. I contacted the lender several times over and over and all i got was customer service reps that agreed that i shouldnt have to pay for the loan since i only recived partly payment and it was due to the countless issues with the id theift that occured while attending college, which ironically i found out that a previous student and employee their named XXXX XXXX who ironically was appart of the student services payroll during my admission at the college back in XXXX of XXXX and then again pops up for acquiring a degree for fininancial bussiness degree. In which i even contacted the dean during XXXX of XXXX when starting my second set of third set of classes only problem was that i could not even my power bill but i kept pushing and XXXX that was back in XXXX. XXXX and i found out due to several in accurate responses left on my credit breaura score that i was suffering underneath several breeches starting with XXXX breech in XXXX that i was never informed or confirmed with the individual banking agency and loan companies located in states that ive never ve been informed their were applications that were postivie in using my information along ids and i even was instructed though the college its self in order to enroll properly that i would need id verification and drivers lic and ssn number with affadavits filled out by local banking members at the same local branches that i was frauded at when received the transfer or depoist of money for school and then watching all my familys patience and hard work evaperate down the drain. they told me oh go to XXXX and XXXX wow like really and also to try fatca act facra act one or the other and then XXXX dodds act to be filed attempted all those no such luck with getting lawyer assit. even though the dept of justice which was a total bomb in the first XXXX place. also attempted to contacting XXXX and dot for assiting with the ongoing fraud cases. cfpb has been told the bank of XXXX XXXX about the confirmed id theift that was followed through with 2 forms of id theift within the state of nc and sc and tn state as well and XXXX, XXXX XXXX as well, and tx, mn, ks, lastly az state and ca.The XXXX XXXX XXXX banking account that were compremised completley. with also impersonation dddthat happens though job verification while the irs is still understanding and computing all their data and such im stuck not able to receiving any loans or transcripts needing to contuine my education, current XXXX physically and well to be frank soon i fear that i will have exhausted all funding i am able to get without reciveing one dime and yet the stress mounting up the caliber of great heartache, i fear i will be tramatized for life for the trouble that these imposters have caused i mean its one thing when the ftc cant handle their own feild but now the federal laws are begin broken, dont get me started on the civil rights, how am i even consider a us citizin of the united states if i cant vote, read write or act as a us woman in this day and age of today.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28150
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was in contact with Mohela to discuss my loan consolidation. They explained that the loan repayment is higher due to interest added to the consolidation. I asked if I could cancel the consolidation. The representative stated yes she could and that it would need to go for approval. I asked if they could send the information to me via postal service. They sent me the consolidation letter again, stating my repayment date is in XXXX. When Biden stated the repayment will begin in XX/XX/2022. They are trying to ruin my credit and I no longer want to be in the loan consolidation program. They did not follow through on their promise. Mohels acted fraudulently.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Mohela contacted me XX/XX/XXXX informing me they are now servicing my student loan. I paid in full to XXXX XXXX on this loan already with paid in full notification XX/XX/XXXX. I called mohela and XXXX a phone supervisor said fedloan made mistakes and i emailed my proof of payment to him.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80206
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was recently transferred to Mohela for XXXX servicing. Mohela will not allow me to set up additional payments under auto-pay that target a specific loan. i.e. base payment is {$220.00}, but I want to pay {$250.00} a month and make sure that the extra 30 hits a specific loan. They instead take the {$30.00} and split it equally across all of the loans. Their solution was that I need to call in every month to make the extra payment on a specific account. This is not a complicated process for them to implement online and every other bank in the world can handle this simple request. The ONLY reason not to do it is because they know over the long run they will make more money in interest this way. This is intentionally making the process of paying off debt sooner more tedious. This is one of the deceptive practices that should be rooted out immediately. Plenty of documentation if available online over consumer psychology that shows people will forget to call in because its extra steps. They know it and are using it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 66061
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My account was just purchased by another lender. I had documented on my previous account all my payments and payoffs but now none of that is available online. The account originally is through XXXX and recently just transferred to XXXX. There is no payment history and my payoff seems a lot higher than it was originally about a year ago. I am very displeased with my payoff, even my father was trying to sell some property to help with this debt and was in shock when he heard my payoff, mentioning it was a lot higher than it should be the last time he has asked when he was selling some assets, which we couldn't attempt due to my vehicle kept having issues and some other hardship at the time. I was making payments timely after school, but I had a difficult time initially after school with finding a job that was not just one to subdue at a lower paying income in order to pay bills raising 3 children without child support while I searched and supported them. I did get married for a few years but he never was at a higher income reporting that could get everything back to normal as he was not contributing as he should and his business income suffered regularly from what he reported. I also have to pay for 4 children now single without child support, working as a state government employee and was interested in loan forgiveness and seeing what new options I have, and I am soon about to change careers along with considering re-entering into school for masters degree, but I am now figuring out I may just be growing a large monster bill- and will it be worth it to struggle afterwards as well as I remain in the percentile considered " middle income '' which in reality for me is poverty level since I would be paying my student loans with high payments, all my bills for mortgage, utilities, child care, and have little to eat on from a current {$43000.00} income at the State of TN XXXX pay scale Administrative Manager position, then going to masters degree raising it to.. what $ 10,000- {$20000.00}? Obviously I would have to leave the Government position to find alternatives to survive it seems. I am really interested in finding out what I am capable of doing about my missing payment history and what on earth can i do moving forward with an advisor financially seeing that I have concerns with the current lenders who swapped hands with my account. I understand that XXXX XXXX also isnt to better yourself for post graduate degrees? WHY? What on earth .... is this a plan someone to keep poor people poor or is this also incorrect information? Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37379
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Not able to repay loan with all the interest that accumulated over the years. I can not pay and keep a roof over my head.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A