Date Received: 2017-08-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This complaint is related to public student loan forgiveness. I am a XXXX XXXX with XXXX XXXX XXXX dating back to XXXX 2008 with XXXX XXXX XXXX and XXXX XXXX. A review of my payments indicate only 20 payments qualify for loan forgiveness! After nearly 9 years of employment and consolidating loans ( with a higher interest rate ) in the direct lending program, which was required to be eligible for public service loan forgiveness program. I am now learning that I am 100 payments short of the required 120. I am outraged. My servicers changed several times over the years and in that process my payments were apparently thrown off track. At every juncture I was assured that the plan I was in qualified for pslf. Now I am learning that the payments I made for years did not qualify. This is not my fault. I believe every payment I made should count. I 've been working for years in public service, in a field that requires a XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21114
Submitted Via: Web
Date Sent: 2017-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: During this time from XX/XX/XXXX-XX/XX/XXXX, Mohela at some point lended me money to pay forcollege, and when I called them to file for the amount on my loan before it was transferred to XXXX ( i did n't know ), the number went to a different lender and said Mohela at that time did n't have any records of me, and were shut down for fraudulent handling. So I was stuck with the amount, and could n't trace it back. I complained to Ombudsman 3-4 years ago, and they could n't help me, so I felt abandoned and closed my compliant. So if someone can please help me, I would appreciate it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08619
Submitted Via: Web
Date Sent: 2017-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-16
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I became XXXX in XX/XX/XXXX and notified MOHELA, the company holding my loans ( {$58000.00} ; {$8800.00} and {$5200.00} from XXXX ) that I was no longer working and dependent on food stamps as I applied for XXXX. The customer service agent, XXXX, said I would be placed on zero payment due status because I was receiving food stamps. I began the process for permanent dismissal of the loans through XXXX. Over the past two years ( it has taken over 4 years to qualify for XXXX because I have severe XXXX at least 4 days a week and suffer from XXXX XXXX/XXXX ), MOHELA representatives began calling, sometimes twice a week. I notified them that I was still on food stamps awaiting XXXX and was forced to allow a friend to live in the home I had rented since I could n't afford the payment, and lived with different friends ; therefore, I did not receive communications from MOHELA. On XXXX XXXX, I called MOHELA and spoke with XXXX, to let her know documentation had been submitted to the Dept. of Education/XXXX to dismiss my loan permanently. Although she initially indicated she would correct the delinquent payment indications on my credit report since my circumstances had not changed until I was approved by XXXX ( though still waiting for payments ) ; she indicated I would have to complete another form for them because dismissal by XXXX could take up to 120 days ( I submitted all required documentation to them XX/XX/XXXX ). Then she told me she would not make the corrections to my credit report ( which have dropped my FICO score 200 or more points ). I am afraid to sign anything from MOHELA after this experience. I simply want MOHELA to remove the delinquent payment indications on my credit report because of the financial hardship I was suffering for the past four years ; I am XXXX XXXX ; and I was not in the home to receive communication from them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97501
Submitted Via: Web
Date Sent: 2017-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied for and was notified of acceptance of an Federal consolidation loan through servicer XXXX XXXX with an income contingent repayment. I did this to qualify for a Public Service Loan Forgiveness program via Dept. of Ed. I paid my billing via direct deposit and never took much notice to the bills but to note my payments were received.My loan servicer changed to MOHELA, but my payments went asbefore to Dept. of Ed. I have paid for 9yrs and was just informed that I did not qualify for the loan forgiveness because my repayment was not income contingent, but an extended fixed plan! On reviewing old XXXX XXXX bills, I see that instead of IC I was put into a " Standard '' plan. The bills from MOHELA only say " Install ''type. The materials with my Application define " Standard '' as 10yr fixed but apparently the servicer 'slammed ' me into a more expensive " Extended '' 20yr plan - never notified me, AND disqualified me for the loan forgiveness plan in one shady move! If I was truly on a Standard repayment, I would be paying off the loan next year instead of still owing {$17000.00} and having 10 more years of payments!! I am requesting an admin hearing to resolve this and make the servicer XXXX XXXX make this right. I only consolidated with Dept of Ed because I learned of the forgiveness program - I worked for XXXX XXXX XXXX - and sure as XXXX would n't have opted to pay for the rest of my working career when roughly {$65.00} more a month would have paid me off in just 10yrs!!!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 62704
Submitted Via: Web
Date Sent: 2017-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-24
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XX/XX/XXXX - student loan paid off, letter attached, XXXX XX/XX/XXXX- Contacted by XXXX XXXX about my loan, letter attached - XXXX XXXX XX/XX/XXXX - signed intent to pay under threat by XXXX XXXX to Attach pay XX/XX/XXXX- found XXXX Letter of proof of payment in XX/XX/XXXX, letter attached - XXXX XX/XX/XXXX- Mohela obtained loan contact via letter for payment transfer XX/XX/XXXX - Contacted DOE - XXXX XXXX XXXX, Faxed to XXXX Case # XXXX my documentation of proof of payment of loan. Received a call in XX/XX/XXXX about the same matter from XXXX XXXX. Did not realize she had spoken to me. Asked her what she had done to date. Response was she would get in touch with Mohela about cancelling debt collection and clear credit. Have never received any information in writing or phone call back concerning this matter. XXXX XXXX XX/XX/XXXX- Contacted CFPB regarding matter XX/XX/XXXX - Received response from Mohela that was not satisfactory. I want copies of my loans and pay off dates and schools, etc. - XXXX XXXX Legal action pending the outcome of this filing and FCC Complaint also with Department of Banking debt collection practices.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I withdrew from XXXX University on XX/XX/XXXX., When I withdrew It was due to the fact that I had been placed on academic probation and told that my Financial Aid would not pay for my next two-semester Tuition payments, They said I must pay cash. I am barely able to put food on the table so there was no question, I had to withdraw. When all of this took place I owed my loan servicer XXXX on one loan and XXXX on another. I never attended another class after this, yet, my loans were increased to XXXX and XXXX and I had no idea until I looked at my credit report today.XX/XX/XXXX ... these loans were increased in XX/XX/XXXX I was never notified at all, and i never recieved any additional funds! XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77530
Submitted Via: Web
Date Sent: 2017-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This company broke the terms of the accord set by the check I sent them which they have already cashed. I informed them that I will be sending them a conditional endorsement check payment by sending them a letter last XXXX XXXX , 2017. Attached with this complaint is a screenshot of the USPS tracking page where it shows, they received my letter last XXXX XXXX , 2017. I then sent them a check dated XXXX XXXX , 2017, which cashed. Clearly the condition on the check says, " to delete the negative reporting from my credit report for check to be cashed ''. The check has been cashed and the negative information still remains. This is a violation of California Civil code. Please see attached files proving this company 's violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2017-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-17
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I have a loan with Mohela ( https : //www.mohela.com/ ). I am in repayment process now and have made several payments on time. However, in the payment history, I noticed that payment was not applied to the principal even for those payment that was paid on time. I contacted Mohela on XXXX / XXXX /17 and below is the response I received : " Interests accrues daily on federal student loans. Interests accrued between payments : therefore the amount of interest varies with the number of davs that lapse between payments. Payments must be applied first to any outstanding interests, and then to the principal balance. '' The payment that was made a year ago was applied to the principal, but somehow the term of the repayment was unilaterally changed to their benefit. So for the entire year, all of my payments went towards the interest. This is unfair because the payment plan was fixed by Mohela. This is unfair because I would never be able to pay off the loan since the payment will not be applied to the principal, even if it was paid on time.
Please advice on how to proceed. Thanks.Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2017-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I updated my bank account information for auto-debit payments with Mohela in XX/XX/XXXX via the Mohela website, changing the account from which my payment would be withdrawn. I received two messages from Mohela in XX/XX/XXXX and XX/XX/XXXX with subject lines " Auto-Debit Withdrawal Confirmation '' which made it sound like my payments were processing as usual, but Mohela later informed me that it actually takes 1-2 billing cycles to update auto-debit information, and so my account was past due.
After learning of the discrepancy, I processed the payment manually via the Mohela website in the meantime, but I believe that by not clearly disclosing this delay in auto-debit payment processing on their website, they 've created obstacles to repayment by providing bad information, or no information at all.Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2017-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-10
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I 've received mixed messages from my lender, Mohela, concerning my loan balance : XXXX XXXX, XXXX : Received message from Mohela explaining my loans are paid in full. XXXX XXXX, 2017 : Received official paid-in-full letter. XXXX XXXX, 2017 : Current student loan interest statement now indicates my principal balance is {$17000.00}.
If I owe $ XXXX, then why did I receive messages that I paid my loans in full?Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20121
Submitted Via: Web
Date Sent: 2017-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A