Date Received: 2018-01-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The total amounts of student loans outstanding are incorrect, partially not issued to me, and interest rate calculations are incorrect based upon status of loans at various points in time since XXXX. Please see attachments for details and explanations, dates, amounts, etc. Thank you, XXXX XXXX Direct Dispute In partnership with Submission PendingSubmitted to XXXXUnder InvestigationCompleted XX/XX/XXXXXX/XX/XXXX Estimated Completion Date Status Details XXXX received your request on XX/XX/XXXX and they are currently processing it. XXXX normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. If you have specific questions regarding your dispute request or need to submit additional information, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. Mail : XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays MOHELA/XXXXReported on XX/XX/XXXX {$11000.00} Dispute Reason Ownership : The creditor agreed to remove my liability on this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2018-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: MOHELA reports I have several Student Loans open from XXXX XXXX University and XXXX XXXX XXXX College. I only took one student loan. through my family 's credit union, and it was paid off, and I have never attended XXXX XXXX XXXX College. I have contacted MOHELA to report fraudulent activity every year for the last 10 years, and have been promised a packet of paperwork would be sent to me in order to get the accounts removed from my name, however, MOHELA never sends me the paperwork
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46217
Submitted Via: Web
Date Sent: 2018-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was stunned once I ordered my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XXXX XXXX and XXXX XXXX, 120 days due as of XXXX XXXX. I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07712
Submitted Via: Web
Date Sent: 2018-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am a graduate student at the University XXXX XXXX in a XXXX degree program, pursuing an XXXX from the XXXX XXXX XXXX XXXX and an XXXX from the XXXX XXXX XXXX XXXX XXXX ( part of XXXX XXXX XXXX XXXX XXXX ). This is a three-year program ( it saves a year as both programs are normally two-year programs ). The schools charge different tuition, so I am enrolled in XXXX for one year, XXXX for one year, and then in my final year I am enrolled for one semester in each school. I began my program in XX/XX/XXXX and will graduate in XX/XX/XXXX ( my unofficial transcript is attached ). On XX/XX/XXXX, Mohela ( servicer of my private loans with XXXX ) sent me a notice that I was in repayment. I sent a message asking why and received a response to send a in an in-school deferment request. I discovered that I need the University XXXX XXXX registrar to certify the request and that my loans with two other servicers also had put me into repayment. I visited the registrar 's office and they let me know that I had been " withdrawn '' from the XXXX School and on the same day " enrolled '' into XXXX. This is a normal process for XXXX degree students. For some reason, my student loan servicers saw only the " withdrawal '' and did not see the simultaneous enrollment on my XXXX XXXX Account. The registrar had a form I could send to prove that I am still a full-time student. I completed the form and they sent it on my behalf to my three loan servicers. Two immediately corrected my account. On XX/XX/XXXX, Mohela denied my request to be placed into deferment. I sent an email on XX/XX/XXXX inquiring about the issue and they sent a generic response that I would need to call them. On XX/XX/XXXX, I had time to make the call and spent over an hour on the phone with Mohela. During that call, I learned that there was no process to put my loan back into " in-school '' status. I could only request a deferment, which would require in school interest payments ( I had not budgeted for in school interest payments and specifically chose loans with higher interest rates so I could avoid paying my loans until after graduation ). The representative told me I had to complete their form and that my original request for deferment was denied because the University XXXX XXXX 's form did not include the registrar 's name. I went back to the registrar that same day and had them send a second form, this time the one that XXXX requests. Mohela confirmed receipt of that form on XX/XX/XXXX and then denied my request again on XX/XX/XXXX, saying that it was too close to the end of the semester for them to put me into in-school deferment. The school could only certify me through the end of XXXX even though I was already registered for classes in the winter term. My registrar had anticipated that Mohela would need a third form, so they sent it for me on XX/XX/XXXX. I am still waiting for Mohela to make a decision on my account. Finally, when I spoke the representative at Mohela on XX/XX/XXXX, she told me to not pay my bill, which means I now have a late fee assessed. She also told me that I would only be able to go into in-school deferment, not back to true in-school status, even though I am still enrolled in the same program that I took out the loans to pay for.
Company Response: Company believes complaint is the result of an isolated error
State: MI
Zip: 48108
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have attempted over the past week to set up auto payments with the loan servicer ( MOHELA ) in order to make payments. There has been issues with successfully making payments ( I was told it was that the financial institution rejected the payment ) and I have used MOHELA 's secure messaging system to figure out a solution. Through messaging and providing as much detail as possible I have attempted to fix the problem and make payments ; however, the response from MOHELA has been extremely underwhelming and the replies have not provided any information on how to fix the problem. The responses have appeared to be stock responses and have not been helpful at all nor addressed any of the questions I asked. Very disappointed with the quality of costumer service..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-06
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: 22-year old debt : 1. fixed income prohibits making regular principle and interest payments 2. debt grows exponentially each year - no end in site 3. no consistent tracking records available for accumulated penalties or interest 4. purchased by multiple companies so document tracking is fragmented/non-existent 5. to-date payments on {$18000.00} loan, approx. {$30000.00}, representing a 60 % ROI ( please See attached )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2018-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: The loan servicer, MOHELA, constantly calculates the incorrect payment amount when the interest rate resets on my variable student loan. MOHELA 's payment calculation fails to account for pending monthly payments, thus using a higher loan balance in the calculation, resulting in a higher monthly loan payment. MOHELA always recalculates the loan payment amount on the day that my monthly payment is made, so there is always a pending payment when the calculation takes place. I provided electronic correspondence to MOHELA months ago, informing the company of this issue and have not received a response.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98102
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have multiple student loans that have been in repayment for more than 10 years. I currently owe about $33,000. I asked my previous loan servicer, Mohela, about qualifying for the Public Student Loan Forgiveness program and was told (via phone conversations) that I had to work for a qualifying employer and make 120 on time payments. They did not inform me that only specific types of payment plans qualified. Only recently did a Mohela representative point me to the correct form for PSLF, after years of being told I was on track. After completing the paperwork, I learned that NONE of the payments I made over the past 10 years qualify for PSLF because of the type of payment plan I was on, even though I was making on time with payments and worked for qualifying employers. I chose to work in the XXXX and public sector in part because of this program. I feel that Mohela misled me and provided incorrect information. Furthermore, the Federal Student Loan materials related to this program are confusing, not transparent, and difficult to navigate. Now that I've switched to a PSLF plan, it's nearly impossible to get straightforward answers to questions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98119
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: This private and federal loans are our daughters, who we co-signed for. We have tried over the many years to negotiate the payment and interest on loans to no avail, they continue to make numerous calls to my home. We as the parents want to be taken OFF these loans and perhaps pay them off, but need legal advise prior to settleing with these horrible lenders. XXXX was very sneaky and unethical we feel when suggesting these loans, why was our daughter not offered Federal loans is a HUGE mystery that has caused many financial problems within our family. Not to mention the absurd amount of money paid to these crooks, without it going towards loan but to their pockets. This should be considered as a CRIME.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2018-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX is reporting two accounts for student loans with a company called Mohela ( Account # XXXX ) that was opened due to identity theft. I have sent in police reports to prove this identity theft and these account still have not been removed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92831
Submitted Via: Web
Date Sent: 2017-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A