Date Received: 2024-01-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received a statement from MOHELA on XX/XX/2XXXX claiming that I have a past due balance of {$370.00} and {$370.00} current due. I did not receive any billing statement for XXXX therefore I should not have had a past due balance. The statement for XXXX was not received 21 days before the amount pursuant to 15 U.S. Code 1666b. I did notify MOHELA promptly of this error. I then received a statement from MOHELA on XX/XX/ claiming that I have a past due balance of {$740.00} and {$370.00} current due. I did not receive any billing statement for XXXX. The statement for XXXX was not received 21 days before the amount due pursuant to 15 U.S. Code 1666b. The statement for XXXX was not received 21 days before the amount due pursuant to 15 U.S. Code 1666b. I did also notify MOHELA promptly of this error. On XX/XX/ I received 3 letters from Mohela dated XX/XX/ with statements for XXXX, XXXX and XXXX. The billing errors were never corrected, they only printed out new statements. I have been adversely affected by this company 's negligence in this and another matter that I will address in a separate complaint. My credit score dropped XXXX points and it cost me to lose out on a deal that I would have entered into with {$24000.00} in equity. I have suffered financial harm and emotional distress.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31548
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: The Mohela website says that processing of PSLF counts may take up to 30 days. I submitted this year 's form from my employer digitally, marked as received on XX/XX/XXXXXXXX I called customer service at 30 days and 60 days, last call on XX/XX/XXXX. Still no update no estimate of when this will be processed. I was just told to keep waiting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I received the following message from Mohela, but they continue to report to all three credit reporting agencies that I still have a balance owed. When I check my account at mohela it shows zero balance. Your student loans have been forgiven. Please log in to your inbox at mohela.com to view the full message. XXXX, Congratulations! The XXXX XXXX has forgiven some or all of your federal student loan ( s ) with MOHELA in full. This debt relief was processed as part of the XXXX Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XX/XX/XXXX. Log in to your account for details at mohela.com. WHAT YOU NEED TO KNOW Here are some important points on this IDR forgiveness : Due to the American Rescue Plan Act of XXXX the balance of your loans that were forgiven is not considered taxable income for federal income tax purposes. Since state and local tax implications will vary, we recommend you contact your tax advisor for more information. Not all your federal student loans may be listed in the letter delivered within your account as you may have begun repaying each loan on a different date. If you have federal student loans that are not listed in the letter, please continue to make payments on them. Payments are not required until after the payment pause ends at the end of XXXX. Your first payment will be due in XX/XX/XXXX. To find options to help with repayment, visit studentaid.gov. We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. If applicable, well process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. NOTICE : This letter is NOT an attempt to collect a debt or a demand for any payment. BEWARE OF SCAMS You might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. You never have to pay for help with your federal student aid. Make sure you work only with the U.S. Department of Education and their loan servicers ( like us ), and never reveal your personal information or account password to anyone. Our emails come from XXXX or XXXX. Emails that the U.S. Department of Education sends to borrowers come from XXXX, XXXX, or XXXX. You can report scam attempts to the Federal Trade Commission by calling XXXX or by visiting reportfraud.ftc.gov. HOW TO CONTACT US For information regarding your student loans and the forgiveness process, please contact us at XXXX, or online at mohela.com. Sincerely, MOHELA
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97303
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: While attempting to submit payment for my student loan, MOHELA did not provide an eta for the wait time as per CA state law. This is a violation of CA civil code statutes AB 376, AB 1864, SB 908, Section 1788.101 ( a ), Section 1788.101 ( b ) ( 1 ) - ( 6 ), Section 1788.101 ( b ) ( 7 ) - ( 10 ), Section 1788.102, Section 1788.102 ( b ), Section 1788.102 ( c ) - ( d ), Section 1788.102 ( e ), Section 1788.102 ( f ), Section 1788.102 ( g ), Section 1788.102 ( h ), Section 1788.102 ( i ) and ( k ), Section 1788.102 ( j ), Section 1788.102 ( l ), Section 1788.102 ( m ), Section 1788.102 ( n ), Section 1788.102 ( o ) - ( r ), Section 1788.102 ( s ), Section 1788.102 ( t ). In addition to several additional Federal, state, and local statutes pertaining to financial fraud. Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by MOHELA. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department. While on the telephone with a MOHELA representative, ( XXXX, ID # XXXX ), I was informed that MOHELA is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91106
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Due to MOHELA 's website incorrectly processing my payment from XXXX 2023, they have placed me on a processing forbearance with me unable to continue making payments towards my XXXX XXXX XXXX XXXX. Once I talked to MOHELA about being removed from forbearance, they said it would take at least 60 days for them to process it. It is not fair to me or other consumers to pay the consequences for MOHELA 's systematic failures.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: When my loans were serviced through fed loan I was informed not to consolidate my loans as they would reset my PSLf payment counts.. Due to this information given by the servicer I cancelled the loan consolidation. I had loans forgiven when reaches 120 payments on two accounts but still had remaining loans as they were not consolidated. Come to find out I did not need to reverse the consolidation and all my loans wouldve been forgiven at the same time
Company Response:
State: NY
Zip: 13440
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been unemployed since XX/XX/2023. I applied for deferment from Mohela and it was denied. I applied again and they havent processed my application. Today, they took over {$300.00} from my bank account. I never gave them my banking information, and I didnt sign up for auto debit. I had NO money. My unemployment benefits still havent kicked in. My bank account is overdrafted over {$300.00}. Ive complained to Mohela, to the federal financial aid website, to the ombudsman. I will be contacting news outlets soon, because this is out of control. We are still in the on ramping period after Covid. I shouldnt have to pay them right now let alone have them steal my nonexistent money from my bank account. Im not the only person theyve done this to, because there are plenty of people posting online with the same story I have. They shouldnt be allowed to operate this way.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I am writing to file a formal complaint against MOHELA, my student loan servicer, concerning issues related to the processing of my Borrower Defense application and the lack of transparency and communication regarding the status of my loans. On XX/XX/XXXX, I submitted my Borrower Defense application through XXXX, only to discover that my loan servicer had switched to MOHELA immediately after the submission. My loan has been under pause due to COVID and is currently under review for Borrower Defense. However, on XX/XX/XXXX, I received an email from MOHELA indicating that my student loan interest would be starting up. This prompted me to seek clarification on the matter, as I couldn't comprehend why my loan would be incurring interest while under consideration for Borrower Defense. I have attended multiple schools that are on the Borrower Defense list, and my application is still pending. Despite my efforts to contact MOHELA to understand the status of my Borrower Defense application and the rationale behind the accruing interest, I have been unable to obtain the necessary information. The lack of transparency and clear communication has left me frustrated and concerned about the status of my loans. Moreover, I believe that some of my loans should have been eligible for forgiveness under the Biden-Harris loan forgiveness program for loans aged 20 years and over. Unfortunately, there has been no information or clarification provided on this matter. To add to my frustrations, as of XX/XX/XXXX, MOHELA has been reporting negative information to the credit bureau, incorrectly reflecting negative amounts paid off. I kindly request that this inaccurate information be promptly removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have only received one billing statement from my student loan servicer MOHELA on XX/XX/XXXX for a payment due date of XX/XX/XXXX. Even in this instance, the billing statement was sent less than the required 21 days prior to the due date. Following that, I have not received any billing statements for payment due dates on the XXXX of each month. I set my account to auto-pay so I did not miss any payments. My account was then placed on administrative forbearance after my auto payment on XX/XX/XXXX, but I did not receive any communications about the forbearance until XX/XX/XXXX. I sent a message to MOHELA on XX/XX/XXXX to request information regarding the forbearance. I have still not received any reply to my message except for a message stating that they would respond within 15 business days on XX/XX/XXXX. In the email I received on XX/XX/XXXX from MOHELA, it stated that my account was placed in forbearance due to the billing statement for XX/XX/XXXX was not sent 21 days in advance and would be in forbearance through XX/XX/XXXX. Now, on XX/XX/XXXX, I have a payment due which is being processed through auto payment. However, I still have not received a billing statement even though my account was taken off of administrative forbearance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77062
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Students loans changed to Mohela, filled out income based payments with the save plan on the student loan website, Mohela has been charging me more money every month. Called and spoke to customer service asking why my payments were higher, they told me that they can make them even higher ( over XXXX more a month ) with the same exact income information. I said they I got a direct number from the fed loan with the save plan and they told me those were just estimates and that I have to pay what theyre charging me or they will start charging me XXXX more a month. I asked why that what happening and could not get a direct answer. The customer service lady was very rude and not helpful. Still is charging me more money than what the save plan quoted me at for my monthly payment. I even told her that I had the email and document that said what my payment is that I got from the loan and that it was approved. Never got any information on why my payment was truly higher and why they said that they could re quote me over XXXX more a month with the same income as 2 months prior. Very disappointed and have baby on the way.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14224
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A