Date Received: 2019-10-12
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Constant getting called while I work Monday -Friday early morning I am in the process of building my credit but I do not know where to start. Left school for a little bit the loan went into default I went back to school to finish. And recently graduated not even a month after I get crazy calls. It really getting annoyed with this.i would like to figure out a way to pay it but Im still in my grace period.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: RI
Zip: 02904
Submitted Via: Web
Date Sent: 2019-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I'm XX/XX/XXXX Mohela and XXXX. XXXX XXXX XXXX spoke with the Unites State Bankruptcy Court regarding his student loan debt being discharge in his bankruptcy after proper notice was sent to the Department of Education. The clerk of the court inform Mohela and XXXX. XXXX that the debt was discharge and that the department of education was a given notice of the bankruptcy discharge order concerning the amount in the attached document in schedule F. The department of education didn't file a objective or appear in court regarding the debt and due to XXXX. XXXX hardship due to his former employee going bankruptcy the student loan was included in the amount listed in docket entry number 12 which is the chapter XXXX trustee report of the amount that was discharge. Mohela hasn't review the court bankruptcy petition nor has reach out to the department of education general counsel to verify the debt under the fair credit report act. XXXX. XXXX has spoken with multiple employee at the clerk office and was told that the department of education was given notice of the bankruptcy discharge of the debt in schedule F. Due to XXXX. XXXX race Mohela has signed a document stated that they need court document which are included in pacer.gov which they can review. Mohela can also reach out to the chapter XXXX trustee regarding XXXX. XXXX hardship in connection with documents entry 12. XXXX a employee from mohela was on the phone at all time when the clerk information her and XXXX. XXXX that the debt was discharge and notice was given to the department of education who didn't file an objective. Therefore no adversary proceeding was need when the credit did show up or object to the debt As a matter of face the department of education has given XXXX. XXXX permission to amend his complaint to include Mohela as a defendant. This consent was given by the United States Attorney General XXXX XXXX.See XXXX XXXX v. new york state higher education services corp., 831 f.2d 395 ( 2d cir. 1987 ) regarding hardship.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The balance included in the student loan is incorrect. Over XXXX was discharge in a bankruptcy in 2012.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I have copied and pasted this information from my email conversation that MOHELA already has in their database : Account number is XXXX Thank you, XXXX. XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX XXXX XXXX Subject : RE : XXXX university student/URGENT MESSAGE missing docume [ EXTERNAL ] : XXXX The credit card portion I. Will get back to you within the week because I switch banks during that period ... Thank you Sent from XXXX XXXX on XXXX On Tue, XX/XX/XXXX at XXXX XXXX, XXXX, XXXX @ XXXX XXXX wrote : In addition, were you able to obtain any credit card/ bank statements showing your payments made to XXXX? I am working on getting these payments reimbursed to you, however, management is requesting statements directly from the credit card company. The payments from the ledger you provided are listed here : Registration Fee {$25.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Thank you. Best Regards, XXXX XXXX XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : XXXX university student/URGENT MESSAGE missing documents Thank you for sending these, XXXX. As for your GI Bill, our agency will send a reimbursement check for the amount that was used for your tuition at XXXX. From the ledger you provided, the amount came out to around {$14000.00}. We have no control over any reinstatement of your GI benefit. The best place to find out is to ask the VA representative if they will reinstate the benefit if the previous benefit was reimbursed. XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX, XXXX @ XXXX XXXX ; XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : Fw : XXXX university student/URGENT MESSAGE missing documents Inline image Hello and good morning. I have done my homework with the student loan department, and uploaded the following documents including the written and signed off letter " request in writing a payoff amount for XX/XX/XXXX '' into their web site. I also included a screen shot of the confirmation. I also included your point of contact and some emails regarding the payment plan of this loan. To my dismay, the student loan web site block any email contact to reach them, and only allow them selves to be reached by phone, or fax. Look forward to your email reply to move on with the payment process. Further more, will I expect the G.I. Bill reinstatement? V/R, XXXX XXXX XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX, XXXX @ XXXX XXXX To : XXXX XXXX Sent : Monday, XX/XX/XXXX, XXXX XXXX PDT Subject : RE : XXXX university student/URGENT MESSAGE missing documents Thank you, XXXX. XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX Subject : RE : XXXX university student/URGENT MESSAGE missing documents [ EXTERNAL ] : XXXX Thank you ... will have this amount in the letter by this week Sent from XXXX XXXX on XXXX On Mon, XX/XX/XXXX at XXXX XXXX, XXXX, XXXX @ XXXX XXXX wrote : Thank you for contacting them. All that I need is the total amount that will be due so that the check we send would be sufficient enough to close the account. If there are any other outstanding loan servicers that you obtained loans from, I would need the same documents from them as well. XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX Subject : RE : XXXX university student/URGENT MESSAGE missing documents [ EXTERNAL ] : XXXX Hello. Thank you for the follow up ... I called the student loan department mohela. They can send me a letter or can be downloaded from their web site. However the loan will be in default by that time per their statement. For clarification on the letter, is there any other information I should include in the document. V/R, XXXX XXXX XXXX XXXX Sent from XXXX XXXX on XXXX On Mon, XX/XX/XXXX at XXXX XXXX, XXXX, XXXX @ XXXX XXXX wrote : Hello XXXX, I am currently calculating your loan amount to be paid off. Will you please contact Mohela and request in writing a payoff amount for XX/XX/XXXX. We want to confirm that the amount of the check will cover all principal and interest by the time it is sent to them. Once you receive the statement, please forward it to me. Thank you! Best Regards, XXXX XXXX XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : XXXX university student/URGENT MESSAGE missing docume [ EXTERNAL ] : XXXX The amount is correct. I have not been able to meet their demands. All per verbal statements on the phone they explain that making partial payments would still reflect negatively on my record and to my credit. Very unwilling to lower the price despite the financial hardship. Sent from XXXX XXXX on XXXX On Mon, XX/XX/XXXX at XXXX XXXX, XXXX, XXXX @ XXXX XXXX wrote : Hello XXXX, I am currently calculating and sorting all the payments that were made from your loans, grants, and VA benefits. According to the student statement you provided, here is the breakdown : CC - {$1500.00} VA Benefit - {$14000.00} Loans - {$30000.00} Pell Grant - {$5700.00} Please confirm these amounts as well. We also request the you provide any receipts of payment towards the loans or the institution as well as provide back up documentation such as bank/ credit card statements verifying these payments. We always encourage all students to keep up with their loan payments if they are able. Restoring your credit may take a long time. Thank you. Best Regards, XXXX XXXX XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : XXXX university student/URGENT MESSAGE missing documents [ EXTERNAL ] : XXXX Hello and Good day ; Just following up on case number XXXX ... The student loan department has been going through their process of payment not fully received and hurting my credit score which will reflect on my security clearance for the job I hold in the XXXX XXXX ... and become undeployable thus be discharged or discipline for the incident ... I'm seeking to resolve this before end of this year. Please reply back to update status. Thank you and V/R, XXXX XXXX XXXX Sent from XXXX XXXX on XXXX On Thu, XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX wrote XXXX Hello and good day. I spoke to Mrs XXXX XXXX just to follow up with status of the case number XXXX. I have included a screen shot of my mohela student loan amount and other details so to include it in the document files. I look forward to your reply. cid : XXXX Sent from XXXX XXXX on XXXX On Mon, XX/XX/XXXX at XXXX XXXX, XXXX, XXXX @ XXXX XXXX wrote : Hello XXXX, Management has requested for me to provide with an update on your claim. At the moment, the military leave documents you provided are in the verification process. We aim to have this process completed by the end of this week. I will reach out to you with an update at that time. Thank you again for your patience. Best Regards, XXXX XXXX XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX @ XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX, XXXX @ XXXX XXXX ; XXXX , XXXX @ XXXX XXXX Subject : RE : XXXX university student ... missing documents XXXX, Our management team is currently seeking a method to approve your claim. Please allow us time to do so. As of now, your last date of attendance was XX/XX/XXXX the school closed XX/XX/XXXX you were not in attendance at the time of school closure which makes you ineligible for STRF reimbursement. Our office is aware you were on military leave therefore ; we attempting to find a way to approve your claim. STRF regulations state the student must be an active student at the time of school closure or enroll within 120 days of school closure to receive STRF reimbursement. Once again, we are reviewing your claim please allow us additional time to seek an approval method. XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX @ XXXX XXXX ; XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : Fw : XXXX university student ... missing documents [ EXTERNAL ] : XXXX Hello ... I have not received a reply from you about the claim number = XXXX ... I have submitted documents to update the process ... I'm very skeptical it takes 1-2 years to review documentation ... As explained before ... Student loans still want their money from ripped off students as you are well aware of these events ... Please reply back of this approval process ... and dont let students like myself hanging -- -- - Forwarded Message -- -- - From : XXXX, XXXX @ XXXX XXXX To : XXXX XXXX XXXX XXXX : Tuesday, XX/XX/XXXX, XXXX XXXX PDT Subject : RE : XXXX university student ... missing documents Will you please send me the information. XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX XXXX XXXX Subject : Re : XXXX university student ... missing documents [ EXTERNAL ] : XXXX Its included in the email sent to mrs XXXX, mr XXXX XXXX, and mrs XXXX ... On Tuesday, XX/XX/XXXX, XXXX XXXX PDT, XXXX, XXXX @ XXXX XXXX wrote : XXXX XXXX Your last email stated your last date of attendance was XX/XX/XXXX due to military leave. Can you provide proof of military leave? XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX @ XXXX XXXX ; XXXX, XXXX @ XXXX XXXX Subject : Re : XXXX university student ... missing documents [ EXTERNAL ] : XXXX XXXX mrs XXXX XXXX XXXX Following up on the STFR application status for approval. XXXX XXXX Case number : XXXX XXXX On Wednesday, XX/XX/XXXX, XXXX XXXX PDT, XXXX, XXXX @ XXXX XXXX wrote : XXXX , I received a voice message from you in regards to your STRF claim. Your claim is in the review process. Our office will contact you if further information is needed. XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX @ XXXX XXXX ; XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : Re : XXXX university student ... missing documents Good afternoon , This is XXXX XXXX. case number=XXXX Recalling the conversation during this morning around XXXX ... ish. 1. ) I have attached the missing documents that will assist in the application process for your department. I included 11 documents total which explains the time sequence I attended school and events that took place. 2. ) The first four are named " image 1-4 ''. This time frame covers the school attendance for last quarter of XXXX. It's an email print out conversation I had with the school counselors that used to work there regarding the last course I needed to graduate. I dropped the course because of paternity leave ( new born on XX/XX/XXXX XXXX during military duty, and it explains that I would be on " SAP '' student academic probation program for dropping the course " W '' or failing grade " F ''. 3. ) The 5th document " Reinstatement '' application for the " SAP '' was completed, but not attached on this email ( still looking for it ), but this is what it looked like empty. 4. ) On the " Loan discharge document '' the transcripts are included starting on page ( XXXX ). 5. ) the last 5 pages are all military leave orders for XXXX highlighted in yellow on the second page of each attachment : 1st set I was gone on XXXX XXXX set I in processed back on XXXX XXXX set returned to duty on XXXX 4th set I left the states and came back XXXX 5th set I reinstated on XXXX. Hence, please note that during my military leave I was never informed that the school was shutting down. It was only until I saw the news a week before at home on my daily morning routine that I found out about the school closure. I look forward to your reply, and thank you too much for reaching out to me this morning. V/R & SINCERELY, XXXX XXXX XXXX XXXX XXXX On Friday, XX/XX/XXXX, XXXX XXXX PDT, XXXX, XXXX @ XXXX XXXX wrote : Hi XXXX, I hope you received the voicemail I left for you. I do have a few follow-up questions regarding your below email. When you reached out to the U.S. Department of Education ( USDOE ), did you specifically request a loan discharge due to the schools impending closure? With a discharge, your loan is cancelled so Im confused as to why they referenced affordable payments. If you arent eligible to have your loans discharged, we will need written confirmation from the USDOE to process your STRF application if you request to be reimbursed for your federal student loans taken out for XXXX. Also, depending on your overall eligibility for the Student Tuition Recovery Fund ( STRF ), we may be able to help you receive educational credits ( to help fund your education at another school ) for your GI Bill benefits if you used them while at XXXX. Please have the Department of Veterans Affairs send you a letter, confirming whether you are eligible to have your GI Bill benefits reinstated/reset. Again, if you indeed arent eligible to have your G.I. Bill benefits reset or your federal loans discharged, we will need that proof in writing if you apply for STRF reimbursement. Feel free to give me a call if you have any further questions or would like my staff to conference call with the USDOE or Department of Veterans Affairs. Unfortunately, we can not reach out to either department on your behalf without formal, written authorization. Thank you. _______________________________________________________________________________ XXXX XXXX XXXX Manager Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX Subject : XXXX university student Hello, I'm XXXX XXXX XXXX student at XXXX university in XXXX XXXX, ca XXXX . My student ID was XXXX. C:XXXX I was in your meeting this Monday XX/XX/XXXX at noon regarding school closing. I was the only Male with XXXX kids with me in the room. I spoke by phone with my federal student lender mohela to apply for student loan discharge. They said I would not qualify for it because of payments I could not afford. Furthermore, the loss of credits when transferring will be the same or worse investment because less than 60 % will be accented ; thus sinking me more in debt. In addition, I was on military duty every time I tried to return to finish my last class as an XXXX XXXX XXXX. ( Prior XXXX ) I need your help to get this approved. Their phone number is XXXX. Account number = XXXX. Hence, my VA GIBIL was depleted in that school. I can attach any documents in the next email for your review. Sent from XXXX XXXX on XXXX Show less
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92139
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The students loan amount is not correct information. Over {$5000.00} was discharge in a bankruptcy case. The amount is incorrect and was discharge in 2013 and the amount was consolidated in a loan with XXXX and pass on to mohelda
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Mohela recieved notice and proof of my XXXX and my inability to repay loans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2019-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: As a note - I didn't realize there was anything I could do about the issue I had with Mohela until recently. I figured they were just big bank getting away with all sorts of things - until I heard some news stories saying these loan servicers were involved in giant lawsuits. Originally, I had a government college loan ( unsubsidized ). As part of the agreement, if I made a certain number of on-time payments, my interest rate would be reduced. At one point, Mohela took over as the loan collector ( I don't have the exact dates of this, as the information is no longer available in my Mohela account because I paid off my student loan - several years early ). Mohela informed me that one of my payments wasn't on time, so I wasn't eligible for the reduced interest rate. When I called to inquire how this was possible as I had setup automatic payments - they told me that one payment wasn't on time - and came from a bank account that wasn't my own. When I asked how that is possible - they said they weren't at liberty to tell me. And they couldn't tell me who the other payer was. Up to that point in my life - I had one bank account. So this was impossible. My guess was that when Mohela took over, the payment for that transition month was routed through the previous lender. The person who took my call clearly didn't care - and enjoyed the interaction from what I recall. They offered no assistance and refused to help in any way. When I asked to speak to the agent 's supervisor - she refused.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2019-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: False Certification - Ability To Benefit Application - Denied - XX/XX/2019
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: MOHELA lied to and misled me so that they could benefit from a substantial interest re-capitlization that occurred during my XXXX re-certification period. MOHELA explicitly assured me, BOTH in writing, and verbally, that I had until XX/XX/XXXX to finish my XXXX re-certification- which I DID do. And yet, they still recapitalized over {$40000.00} in interest to benefit themselves and harm me. In addition, they applied a forbearance I did NOT request, and when I called to terminate it, [ MOHELA REQUIRED a call instead of an email, no doubt to obscure their unfair practices ] thy AGAIN assured me that no interest recapitalization would occur if I paid them then the full {$1200.00} payment for the month. In addition, it was like pulling teeth with them to find it IF the recpaitlization would or would not occur- all the literature said MAY occur, until I finally got someone to admit that NO, it actually WOULD occur UNLESS I re-certified BY XX/XX/XXXX! ( which I did ). Here is some of our correspondence : On XX/XX/XXXX : " Your Question : Hello, I am writing about my IBR RE-CERTIFICATION. I just completed the process on the StudentLoans.gov, BUT, I have to print and mail in documentation. My re-certification deadline is XX/XX/XXXX. I wanted to make sure that MOHELA knew I completed the re-certification within the time frame, AND, I was wondering what the deadline is now to mail in the forms? I was also curious as to when the NEW PAYMENT would be ascertained and billed? Thank You, XXXX XXXX MOHELA 's Response : Thank you for contacting MOHELA, Please provide us with your documentation before your XX/XX/XXXX due date. If you do not recertify your repayment plan, your new installment will be {$1200.00} due XX/XX/XXXX. If we recieve your application before your XX/XX/XXXX due date, your new installment should begin for your XX/XX/XXXX due date .... '' [ AS YOU CAN SEE THE ANSWER TO MY QUESTION WAS XX/XX/XXXX, " PLEASE PROVIDE US WITH YOUR DOCUMENTATION BEFORE YOUR XX/XX/XXXX DUE DATE '' ] XX/XX/XXXX " Your Question : I see that Mohela has processed my XXXX re-certification ... but I also see a Forbearance for XXXX. I didn't request forbearance and I don't want to be in Forbearance if the interest is going to be re-capitalized. The documentation all says that it MAY be re-capitalized. Can you please confirm or deny whether or not the interest will or will not be recapitalized? If YES, recapitalized, please remove the Forbearance and I will pay the new amount in XXXX. If no, not recapitalized, then OK, and my new payment amount may be withdrawn automatically next month in XXXX. THANK YOU. MOHELA 's Response : Thank you for contacting MOHELA, Interest does capitalize when an account leaves a forbearance. To request the removal of your forbearance, please call and speak with a Student Loan Counselor. Please call toll free at XXXX. Monday-Thursday XXXX XXXX.to XXXX XXXX., Friday XXXX XXXX. to XXXX XXXX. CT. Thank You, MOHELA '' [ TO CONCLUDE, THEY PROVIDED AN XX/XX/XXXX DUE DATE " YOUR XX/XX/XXXX DUE DATE '' AND THEN WENT AHEAD AND RECAPILIZED MY INTEREST ANYWAY IN A MOST UNFAIR AND DECEPTIVE MANNER. HAD THEY SIMPLY SAID MY DUE DATE WAS XX/XX/XXXX, I WOULD HAVE COMPLETED THE PROCESS BY XXXX NATURALLY, AS I HAD BEGUN TIMELY IN XXXX! ]
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33903
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I started XXXX XXXX XXXX in XXXX XXXX, Oklahoma on XX/XX/2018. I was there until XX/XX/2018. During those 3 months I was hit with 6 marks on my credit score. Ive tried calling Mohela and they say theyre not able to take it off because its my fault I was gone and joined the military. In basic training you do not have access to the outside world for almost 3 months. There was no way for me to pay it. So now Im here at my duty station with a terrible credit score that cant get me any loan to get a vehicle I need to get around base. I am constantly asking for rides. My credit can not recover and I can not get a car without it being removed which they refuse to do.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78028
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A