Date Received: 2016-12-29
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Mohela does not allow automatic payments ( i.e. of interest incurred ) during deferment stage of loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60062
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-29
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I send my payment on time every month for 18 months and I have never received a statement or anything from them. I have no way of knowing if my payments are even being applied against my huge {$50000.00} balance. When I call them they say they do n't know the balance or payment information and they will have to contact the credit bureau for my balance. What are they doing with my payments? Why ca n't I access my account online to view my payments and statement information. They have never sent me anything and know nothing when I call. This seems very fraudulent to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-16
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: MOHLEA customer service told me to contact a company to have them enroll me in public sector student loan forgiveness program. They referred me to a company called XXXX XXXX XXXX which charged me over {$700.00} an d did not change anything but put me on a income based payment plan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2016-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-07
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: My loan is an XXXX loan. I was just told for the first time today XXXX/XXXX/16 that there is a guarantor XXXX that is keeping me from being able to do a cash modification because my income has been greatly reduced and I am currently on short term XXXX and I 'm not sure when/if I will be released to go back to work. I was shocked of this news and very upset that I had never been told of the guarantor b/c I have tried to get lower payments in the past and was turned down. I do not want these to go into default I 've exhausted all avenues and talked with many reps from Mohela all of my loans total XXXX monthly that 's for XXXX XXXX Loans and XXXX Cash loans. There was also a change on my credit report showing XXXX Mohela accounts were added and XXXX were removed which looks sketchy and of course nobody could tell me anything about. I can upload screen shots of it if needed for explanation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-07
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Consumer Complaint: I want a payment I can actually afford. I have had my loan for years and been on the income driven repayment plans. Every year the payment goes up to an amount that is difficult to afford. I have had to resort to taking XXXX loans and even cashing in some of my XXXX with the XXXX % penalty to afford the payments. There are now new plans that base repayment on 10 % of income but I am being told that I do not qualify as I am not a new lender although the site that estimates payments show me that I do and shows a payment I can afford. I have repeatedly sent the servicer notes and the never take the time to review the questions and provide a full response. At no point, even after asking, have they indicated they have a true loss mitigation program that would lead to lower interest rates and truly look at debt to income and the actual expenses a borrower has to determine their ability to repay. I do n't understand why student loan servicers are not held to the same standards as mortgage servicers. The payments are so significant that making them could impact the ability to pay a mortgage payment and thus will have the same potential impact of costing someone their home. This servicer and all other student loan servicers need to be forced to develop true loss mitigation and loan modification programs.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60134
Submitted Via: Web
Date Sent: 2016-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-05
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: I had filed a dispute with all XXXX credit bureaus on XXXX/XXXX/2016 on Mohela for incorrectly reporting late payments when my account was in deferment. I discovered on XXXX XXXX the late payments had been removed and investigation had been closed, then on XXXX XXXX my credit report reflected the late payments had been re-inserted into my credit file. Mohela and/or all XXXX credit bureaus have 5 days to notify me of re-inserting a previously deleted item. I did not receive any such notification. Please delete these items immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 255XX
Submitted Via: Web
Date Sent: 2016-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-20
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: About XXXX XXXX, XXXX I applied for the REPAYE plan with Mohela to begin immediately, while I wait for a decision on my XXXX XXXX application with XXXX. Instead of my REPAYE plan beginning asap as requested, I am currently on General Forbearance until XXXX XXXX, XXXX, Mohela states my REPAYE plan wo n't begin until XXXX XXXX, XXXX and put me on Administrative Forbearance from XXXX XXXX - XXXX XXXX, XXXX. When I asked Mohela why I was no put immediately on the REPAYE plan they stated that the Board of Education controls the date. I would like to be put on the REPAYE plan immediately as requested on my application, while I wait for a decision from XXXX regarding my XXXX application.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2016-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-18
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: US Department of Education and Mohela both have the same student loans listed on my account # XXXX over 10 times. All for various amounts! I find this to be very deceptive and a violation of the FDCPA as reporting the same loan multiple times going back as over 16 years to keep this on my credit reports is not fair or ethical.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53132
Submitted Via: Web
Date Sent: 2016-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-19
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: This Loan was included in my bankruptcy. The Trustee in the bankruptcy said this loan was approved to be discharged in bankruptcy, but Mohela & US Dept. of Education refuse to see that. They say I did not supply a " Hardship Test '' If US Dept of Education and Mohela felt there was an error in the Bankruptcy Case they were to respond as any other creditor would half to by the date determined in my case file. This was established in the Ninth Circuit under XXXX argued XX/XX/XXXX and Decided XX/XX/XXXX. This student loan has been on my credit report since XXXX posted by Mohela and even listing late payments after XXXX, the bankruptcy occurred in XXXX and therefor should not be on my credit report stating any late payments at all.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2016-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-14
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Consumer Complaint: I received a call at work regarding my student loan. It is due on the XX/XX/XXXX and I pay every month before it is XXXX days past due. I received a call on XX/XX/XXXX at XXXX from XXXX XXXX I called the next day and explained that my home number and email are the ways I prefer to be contacted and they have this information on file. I NEVER gave them my work number because that is not a good number to contact me on nor do I want those calls on that number. I contacted them on XX/XX/XXXX, letting them know not to contact me on that number again. My payment was also made that morning. The person I talked to told me that it would n't happen again and supposedly removed the number. She said that the information was obtained through skip tracing, in case I did not pay. I responded that I pay every month, what indication did you have that I would not pay? No response, other that its a process they do. To my dismay, I was called again on that number from XXXX at XXXX the SAME DAY!! I have a previous case that was submitted on XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No