Date Received: 2016-10-03
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: I graduated in XXXX after getting an XXXX from XXXX I married directly out of college, had a son and was a stay at home mom while my husband worked. We divorced in XXXX and I sought work out of the home to take care of my son. In XXXX I filed for Chapter XXXX because I was unable to pay my bills and take care of my household all at the same time. During the proceedings a representative from some student loan institute said they would not forgive my loan but they could re-work the payments ( even though during the year I filed they were forgiving student loans ). I have never defaulted on my loan but now I am starting to feel overwhelmed because this debt that started out at around {$35000.00} when I graduated in XXXX, is now almost {$150000.00}. I am almost XXXX XXXX XXXX and based off my income they have set my payment at a zero dollar monthly payment. I do n't know how I will ever pay a loan off on my income and based off a zero dollar payment. I have spoken to several representatives about how to get my loan down and all they recommend is working XXXX jobs. Wow what advice. I have applied for XXXX jobs, for government jobs and even the XXXX. None of which have been successful. I feel like there is no light at the end of the tunnel. Are there other alternatives? What can I do to pay down this loan? I am not running from my responsibility but it seems like my financial obligation has tripled as a result of me not being able to secure employment paying me a high enough wage to keep up with payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2016-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-20
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Account Number : XXXX Mohela/Department of Education, I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of XX/XX/2014, 120 past due as of XX/XX/2014 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 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: 07740
Submitted Via: Web
Date Sent: 2016-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Mohela has been calling me for almost a year now. i have blocked the number and they find new and different numbers to call from. They call multiple times a day everyday and i have explained to them a minimum of 10 times now that the person linked to my cell # is not me. I went through a lengthy process of proving this twice before so they would remove my number and it somehow keeps getting added back into their system. they continue to call XXXX3 times daily all hours of the day, leaving me messages about a debt owed that is not mine. i have asked many times now, proven the number is mine and not the " borrower '' but they keep calling me despite attempt after attempt to stop the calls!!!
Company Response: Company believes complaint is the result of an isolated error
State: IL
Zip: 60133
Submitted Via: Web
Date Sent: 2016-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-16
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I looked at my statement and noticed that the beginning balance is $ XXXX less than the current balance. I called MOHELA to find out why and they said it was due to my forbearances. After 30 minutes of math on the phone we found out that for each month 's forbearance, they are capitalizing 2 months of interest. Not good. This might be a broader problem than just a problem for me, but it is costing me $ XXXX because they are capitalizing double the interest on my account and the accounts of others.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2016-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-09
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: I have made payments in excess of the amount due on the loans. I did this a few times until I noticed that my balance due was XXXX. I continued to make payments in excess of the amount due however they were now only going to interest or nearly all going to interest. There is no way to know what the interest owed for the period is on each loan. This was a year ago. I called and complained telling them that I wanted a detailed listing of interest accrual by loan since I have XXXX loans so that I could balance out what I have paid to what they have posted to my loans. They could/would not provide but tried to talk me through it. I ended the call by telling them I wanted any additional payments to go to the higher interest loans instead of the lower interest ones which is what they had been doing. I also wanted them to stop sending me bills with no balance due if there was in fact interest due that they were going to apply my payment to. They said I needed to send the request in writing which I did. A year later my wife who is doing the payments complains that she does n't understand the billing still. I go on and it is still showing paid ahead with no balance due and payments being made almost exclusively to interest. The little that they do apply to principle is applied to the lower interest rate accounts. So I call again about the issue. The service rep tells me that they have no record of my request and that I need to request it again and they are doing everything in accordance with the agreement and cant change how they are billing. I explain I already sent in the request. She said they do n't have it so I would have to send it in again. I asked for a different channel than the email that they had me use last time and she said they do n't have one. Then she went to her manager because I would n't accept that answer. Suddenly they did have a form letter that they could send me. When I asked if there was a way to verify the documentation so that I would not end up in the same situation with them having conveniently not receiving it and having no evidence it was sent she was very uncooperative and I had to basically pull it out of her if there was a way to track it other than certified mail which I did n't want to do. In the end this company since purchasing my student loan has done nothing but underhandedly try to hide where payments are going and not apply payments as requested in order to maintain higher interest payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19426
Submitted Via: Web
Date Sent: 2016-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-08
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: I refinanced a student loan and the amount paid to the old lender I used was more than the balance I owed. I called and ask about a refund and was told that I would receive a check. Two weeks later I called and no check had been issued but they promised that it would be made the following Monday and mailed to me. I asked why it took so long for them to issue a refund and could not get a response from the customer service person or the supervisor.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10013
Submitted Via: Web
Date Sent: 2016-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-08
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I have been paying my daughter 's student loans for the past 20 years and I have never been missing a payment. Throughout the years I received notifications of the loan being sold to various service industries. The original loan amount was $ XXXX and change and after 20 years, the balance is $ XXXX and change. This is not right and I would like the consumer affair to conduct an investigation into the US Department of Education and its servicing industries. My daughter attended the University XXXX from XX/XX/XXXX to XX/XX/XXXX, I started repaying her loans immediately after. I am barely making ends meet, near the end of my life and do not think I will be able to payoff this loan, however, the number of payment I have so far made is double the original amount and I would really need an investigation to be made into the manner loans are being managed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2016-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-06
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: My school recently closed due to misconduct, and basically false advertising, Unfortunately I completed my degree in 2010 but with no help from career services and a bunch of empty promises I am still unable to find a career in my field that pays more than XXXX an hour. I believe I was a victim in their practices especially when they started a XXXX degree program ( that was not up to par ). I was one of the first to be in the program, instructors were not prepared or not given the right tools to teach. We were promised crime scene investigations etc. what we got was reading a textbook and researching case law on google. It is an experience I wish I never had and now that they are closed what should I do?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2016-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-22
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: I went to XXXX College in XXXX - XXXX. I was XXXX in a elevator accident in XXXX XXXX. Years later I got some of my senses back and tried to straighten out everything on my credit. Mohela was on it, I got calls every day, they told me to call another number that sent me paper work to forgive it for XXXX. I thought it was for loan and interest. I filled out the paperwork and sent it in and was denied because it did n't have a review date. I have XXXX and others. The XXXX and messed it up a little. I have been on XXXX since XXXX XXXX, XXXX since XXXX XXXX. XXXX was the business I was dealing with. I wanted to find out why the student loan was still on my credit for 9 years, Mohela answered because I was having late fees added each month. The school was closed for stealing student money. XXXX school would payoff my loan which most of it was not my pay off. Mohela told me to go through school closing, I was denied. I recently found out XXXX College closed and that is why my loan was not closed. I wanted to see where the figures came from that added up to the over XXXX student loan. I was given a copy of a master signed by me and a copy of all different charges that made no sense. I still ca n't tell where they came from. Right now my total is about XXXX. My figure is XXXX courses @ {$500.00} x XXXX = {$4500.00}. XXXX grant {$2000.00} deduct = {$2500.00} which should be my loan at most. I have a small XXXX check which is not even enough to get through each month. I do n't know where to go. I am stable with XXXX medications each day but still have bad days. Anything you can help me with I would appreciate. Thank you, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2016-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-17
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: Hello, I am filing a complaint against my federal student loan servicer, MOHELA. My student loans have been serviced by MOHELA for a number of years now and I have consistently made my payments which has recently increased to {$780.00}. When I enrolled with MOHELA for online payments, I provided my cell phone number as the means to contact me and I have not changed that number, nor have I given MOHELA any indication that my cell phone number was not the best number to reach me at. I have called MOHELA from that number, as well as received calls from MOHELA from that number. On Thursday, XXXX XXXX, 2016, when my loan was only 21 days past due, MOHELA call my in-laws and left a message about my student loans at their residence. Of course my in-laws immediately called my husband to inquire as to what was going on and whether my student loans were behind, which is clearly none of their business. I immediately called MOHELA and spoke with a representative. The representative indicated that while my cell phone number was still listed as the primary number, that my in-laws phone number had been added through skip tracing. I was horrified that MOHELA would have gone through skip tracing measures on a 21 day delinquent account and when there was already a good number on file. I have never lived at my in-laws address, nor have I ever been associated with their phone number. I am in-house counsel at a mortgage company and I understand fully how this process works. My situation did not warrant the measures MOHELA took. MOHELA has violated the FDCPA by communicating with a third party about the collection of a debt without my consent. I demand that MOHELA pay me a civil penalty in the amount of {$1000.00} that I would be entitled to if I brought a civil action against them, which I would not hesitate to do. At this time, my student loans are current. The {$1000.00} can be applied towards my XXXX payment and the remainder towards my XXXX payment. I also demand that my account be coded to avoid any further skip tracing. Skip tracing is not necessary, the number I have provided is the correct number, and the status of my student loans is nobody else 's business but my own. I am a full time working mother and would like to avoid the need to pursue a civil action, but if this matter is not resolved as requested, I will not hesitate to file XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2016-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes