Date Received: 2018-11-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I make a payment every month and because it is within 120 days I request that it is applied to the principal. Every month they do not apply it to the principal and I have to call and for them to reapply the payment just to the principal. My 2nd to last payment was made on XX/XX/18. I requested that the payment be applied to principal only for the same reason ( within 120 days ). I've called 3 times for them to do this and it is not being completed. It is now a full month. Calling is not resolving the issues.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2018-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was awarded student loan repayment as part of the HRSA Nursing Loan Repayment Program. In XXXX, I made the regularly scheduled payment of XXXX online. I then sent a separate check in the amount of XXXX dollars and requested in my letter that the entire amount be applied to the principal balance of my student loan. The website is confusing and I inadvertently sent the payment to the wrong address. MOHELA ( my lender ) sent the payment to the correct address as a courtesy, but the entire amount was sent to the interest owed on the loan. I sent them a message and they assured me they would correct the oversight. Instead, they applied XXXX to the principal and XXXX to interest. This was done after TWO messages ( a letter and an online request ) to the contrary and even though the monthly payment ( for interest and principal ) was satisfied. The MOHELA online payment option does NOT allow for application of additional payment distribution and requires letters to be sent via mail -- an antiquated approach given this is 2018! I have paid thousands of dollars to my student loans and still owe more than I originally borrowed. To refuse to apply the funds a directed is consumer fraud and usury.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2018-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Mohela Department of education Opened XX/XX/15 Amounts. {$2300.00} Sent letter explaining that I never took this loan, someone has my identity information. XX/XX/15 Amounts. {$1200.00} XX/XX/2015 Amounts. {$2500.00} XX/XX/2015 Amounts. {$3800.00} Sent letters and made phone calls explaining. I never took out a student loan. This is affecting my credit and my score. Please find the person that is doing this. I am still getting bills and collection from Mohela.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2018-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below on my student loan which i thought were already taken care of. XXXX / XX/XX/2017 - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: They said they removed the loan from my account but its still showing on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2018-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This complaint is in regards to inaccurate advice regarding the public service loan forgiveness program from loan servicer Mohela. I have worked for a qualified employer for the program since XX/XX/XXXX. I have never missed a payment, to my knowledge since XX/XX/XXXX. When discussing payment plans with the loan servicer in XX/XX/XXXX I was under the impression that the payment plan was " income based ''. In XX/XX/XXXX I learned of the PSLF program and inquired with Mohela if I qualified. This interaction was via phone and I have no written record of the conversation, however their on-hold message did mention that the calls " may be recorded '' and there may be evidence of this conversation with Mohela. During that call the representative informed me that my payment plan did not qualify because I was in fact on an " income based-extended '' payment plan. I, naturally, was frustrated as I had missed seven years of what I thought were " qualifying '' payments. At that time I asked the attendant to modify my payment plan to a qualifying plan. I do have an email from Mohela with an attached application for PSLF, but based on their statement that I would not qualify, I did not apply. In XX/XX/XXXX I learned of the Temporary Expanded Public Service Loan Forgiveness program ( TEPSLF ). It seemed to address the concerns that I had regarding the misleading payment plan options. I then inquired with Mohela again in XX/XX/XXXX regarding the TEPSLF to confirm that I could qualify because I had made qualifying payments for at least 12 months and have paid on the loans for 10 years. When I spoke with the attendant I was informed that my payment plan did not qualify because it was some sort of hybrid income-based plan. Needless to say I was furious as I thought I could trust the advice from the loan servicer not once, but twice and I was misled. I also learned that I needed to apply and be denied for the PSLF program to apply for the TEPSLF program. I have applied for PSLF and received notification that my application has been received. Today, on XX/XX/XXXX I have learned that 99 % of all PSLF applications have been denied, and that the CFPB has resolved very few of these complaints. I also understand the language in the PSLF statute limits the federal government 's ability to be somewhat flexible. But I do think there should be some recourse for loan recipients who have made a good-faith effort to abide by the statute to have these loans forgiven, especially as I and many other hold public service positions that do not allow for substantial income.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 42071
Submitted Via: Web
Date Sent: 2018-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I graduated collage in 1995 with {$23000.00} in loans. Ten years later I owed over {$50000.00} and today I owe almost {$80000.00}. It seems like the more I pay the more I owe. The first ten years I had some financial difficulties due to a bad marriage. My then wife was paying the bills and without my knowledge she took a forbearance on my student loans. For the past ten years I have been on the Income based repayment plan and every year my balance goes up. Last month I called MOHELA to ask why my balance keeps increasing. For the first time I was told that my plan doesn't cover my total interest and the remaining interest is added to my account. I then asked how long I have been on the plan and the information I get is confusing. One person says I have about 9 years in and another person says I only have about 3 years. Through a work benefit I went back to school to take a few classes and MOHELA automatically put me on deferment. I was told this deferment time would count towards the 20 years and I was told it was not. I have asked for confirmation and was told they would send me a letter explaining how much time I have but no letter has been sent in almost two months. If I do get the letter how do I know I can trust the information? If forgiveness is a benefit of this program they should provide you the amount of time remaining in the monthly statement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48169
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX I got a negative reporting against my credit bureau which caused my score to drop 51pounts, I called Mohela to discuss this matter they advised me I had a past due payment of {$24.00} plus change that I never once knew about, I explained that I was on forbearance and when it was time to resubmit a application by the deadline of XX/XX/2017 I did everything I was told to do and had proof that I did and mohela never once contacted me again til several months through mail that if I dont submit the documents that i was going to be reported to the credit bureau by this time it has been months later I was so upset that the rep told me that they couldnt locate my docs and didnt know why no one called me sooner, he did not cared that I had proof that my fax through my employer was successful and told me to download the docs I was so upset that I was being threaten to negatively report it on my credit bureau, how was I suppose to know that my docs was lost but they had some docs, the rep asked me if I had an online account i advised no why would i, he stated he would create one for me while in the phone with me and provided me with a password to go on and all i had to do was download my documents that's all and assure me it be fast and guarantee to receive it as if it was my fault that they lost my docs several months prior I said I will download the docs and asked to please call me back to let me know if there was any issues the rep never called me I had to call in and found out that mohela still didnt get my docs this is ridiculous from XXXX all the way to XXXX or XXXX I was so angry I cant recall if I ended up mailing it at this point, far as i know this was done, I recieved a statement from mohela XXXX due and that was the last time I got anything written correspondence from mohela. I never received notifications of the status of my application I didnt even know I had monthly payments of {$24.00}. And to come to find out the rep that created the account for me opt me into paperless in XXXX, did he do that purposely because I was angry with him I was punished because I was upset about them losing my docs and threatening me to hurt my credit, the rep on XXXX told me and confirmed I have always recieved communication thru mail til recently the person that created my account opt me out, I'm so beyond upset this has caused me damage to my credit by 51 points unfair and fruad and dont intentionally against me, I wasnt notified not once through mail the rep said they called several time to an old number and old email which I updated I feel I was treated poorly purposely all because I was complaining that your company dare to threaten me with ruining my credit due to negligence with my documents, I want the 90 days past due removed immediately or I will take this matter to the attorney 's general and seek legal assistance through my employer ... this was an unlawfully action done against me.i was promised by a supervisor a callback and have a manager review this matter. And I never got a call back. After explaining the unethical history and fraud committed against me which caused me not to get correspondences from there office I have no problem paying {$24.00} I truly didnt know and their employee opt me out which causes all of this mess.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85213
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I recently took time off from school, so am no longer enrolled half-time, and have re-entered repayment. I logged in last week to the servicer ( MOHELA ) website, and saw a XXXX balance and no payment due. Then, today, I received an autodebit notice, so I logged in to check. The autodebit is set for XXXX, but my account is now showing overdue. When looking further into it, I noticed a statement was posted to my account on XX/XX/XXXX, with a due date of XX/XX/XXXX, and now my account is showing overdue. Is it not against the law for servicers to send a bill that is due on the same day the bill is printed?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2018-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-24
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Back in XXXX I got two small loans. Both were subsidized and together equaled about $ XXXX. My loan was with a certain lender and in XXXX Mohela bought the loan. Ive been out of school since XXXX and have made every payment possible. Since the beginning I registered for automatic withdrawal from my bank account. I have Never missed a payment. I am in shock that even after 10 years that loan has not been payed off. I still owe about $ XXXX! These lenders take just enough to keep this loan active as long as possible and get as much interest as possible. There is no reason why so little is withdrawn from my account and therefore extending the length of the loans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2018-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A