Date Received: 2016-03-22
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: Because of losing a XXXX I was unable to work for almost a year. I fell behind on my bills. I filed a chapter XXXX bankruptcy. I paid back everyone I owed % XXXX of what I owed! Three months early. Even my daughter 's student loan that I had signed for. Now two months after my discharged in which I thought I was debt free I get a letter from XXXX XXXX XXXX XXXX stating that I still owe MOHELA money. Apparently even though I was making monthly payments to them through court. they were charging me interest. Now they what that interest to be paid. They are charging me interest on my interest. They said that becuse I fell behind that they could " capitalize '' the interest and turn it into principal. therefor I ca n't even get the tax deduction. When I file my chapter XXXX they submitted a claim to the court for what I owed them. Why did n't they ask for the full amount then. it 's like a loan shark. Even after you pay them you will always owe!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55106
Submitted Via: Web
Date Sent: 2016-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-29
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Consumer Complaint: I have been receiving calls a few times a week from Mohela student loans. They have some how broke in to my phone contacts and show up as a contact of mine called XXXX XXXX. This is i ; ; egal to make constant calls to me and ileegally using a contact name on my phone. I want to know how they broke into my phone?? Today I did not answer and allowed them to leave a message. I am only if anything a month behind and that is because they sent me something saying if I filled it out they will let me go two months without paying. I tried to go to their site to get my loan adjusted to my salary and their site is n't working. This is harrassment and illegal tactics breaking into my phone contact names.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2016-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-27
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: I have questions about the accounting transparency of both my previous and current loan servicers ( XXXX and XXXX, respectively ), regarding the way my payments are being applied to the balance and interest of my loans. In XX/XX/XXXX, I was informed that the servicing of my Federal loans was to be transferred from XXXX to MOHELA. I had been having some serious concerns about the way my payments were being applied by XXXX, and was unable to get satisfactory explanation either from their website, or via phone. When I found out that they were going to be transferring the servicing, I immediately emailed them ( via their website, as you ca n't send them a standard email ) requesting written statements, showing my payment history and how those payments had been applied, for the period that they had serviced my loan. Their reply : " Due to the transfer, the information you requested is no longer available ... Please contact MOHELA. '' So they suddenly are no longer required to give me records of what they 'd been doing with my payments ( over {$500.00} a month! )? I then contacted MOHELA, and requested that they mail me my records. Their reply, as of XXXX XXXX, XXXX : " We have submitted a request to XXXX to have my prior payment history generated. Please allow 7-10 days for this request to be processed and sent to you. '' I have now emailed and called MOHELA multiple times, and have yet to receive my records, as of XXXX XXXX, XXXX. Of note : the last time I spoke to a MOHELA representative, she told me that the company had taken over the servicing of something like XXXX loans from XXXX, and about XXXX of the borrowers had also requested their written payment histories. I am making full graduated payments on my loans, and when I checked the balance yesterday, it had somehow risen over {$7000.00} since I last viewed it a couple months back. As I said, I am sending them well over $ 500 monthly, and I would like an explanation of where my money is going.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2016-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-25
Issue: Getting a loan
Subissue: Can't qualify for a loan
Consumer Complaint: Despite my previous mail correspondence, Mohela has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California Attorney General 's office. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. INCORRECT TRADELINES : 1. XXXX/Mohela -- Ac # XXXX ... This item is inaccurate because the creditor nor XXXX XXXX XXXX furnished proof that this debt was late. I am requesting that this information be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-02
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: My XXXX loans are serviced by Mohela. When Mohela became the new servicing company in XXXX XXXX I immediately called customer service and asked what actions I needed to take to ensure that I could make payments toward the principal of the loans. They told me to write a letter and request that, " Pay Ahead Status '' be removed from my account. On XXXX XXXX, XXXX I sent them a letter, and on XXXX XXXX Mohela acknowledged receipt of the letter. On XXXX XXXX, XXXX I noticed that payments I intended to go towards principal were going towards interest. I called and the customer service representative told me that the cancellation of 'pay ahead status ' had only applied to one month. He informed me that I needed to write a new letter and request that pay ahead status be, " permanently '' cancelled. When I called in XXXX, the customer service representative said nothing about about needing to use the word, 'permanently ''. I have loans from my XXXX degree at XXXX College in XXXX, Massachusetts, and from my XXXX XXXX at University of Massachusetts in XXXX, Massachusetts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2016-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-16
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
Consumer Complaint: Mohela XXXX has called repeatedly. Finally, on XXXX XXXX, 2015, at XXXX XXXX they called and left a voice mail and I returned their call. They were trying to collect a debt from someone with the same last name. I gave what information I had and asked them not to call me again. Again on XXXX/XXXX/2015 at XXXX XXXX, they called and hung up when I answered. On XXXX XXXX, 2015, I phoned them at XXXX and requested that they refrain from calling me after XXXX XXXX and refrain from calling me at all in reference to the debt which I am not a party to. They informed me that they could do neither without receipt of a " cease and desist '' letter from me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2015-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-12
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Hello, I make regular payments to my student loan. The loan was originally made through XXXX, but has since been bought by MOHELA. All payments I make to MOHELA, whether they are over the amount due or in advance of the due date, are applied to interest in their entirety. Not XXXX is applied to the outstanding principal balance. I have attached a statement for reference. Thank You
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2015-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-08
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: My loan was serviced by XXXX XXXX and transferred to Mohela in XXXX 2015. My history of loan shows shocking info such as eight and five months period where my balance does not change despite a faithful monthly payments! XXXX has been ignoring my requests.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 116XX
Submitted Via: Web
Date Sent: 2015-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-28
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I am a victim of identity theft. I have disputed this account multiple times and requested verification of debt but this company refuses to respond with any information regarding this account. This account does not belong to me and I want it deleted immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2015-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Company Mohela calling as debt collector for a person I live with. I am not a co-signer on the said debt and not certain how my number got in their records. Today alone, I have received XXXX calls within 1 hour. XXXX calls the day before as well.
Company Response: Company can't verify or dispute the facts in the complaint
State: MO
Zip: 63010
Submitted Via: Web
Date Sent: 2015-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes