Date Received: 2024-01-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have struggled since XXXX to work under the Public Service Loan Forgiveness Plan. Recently, Mohela has taken over servicing the loan. I have attempted multiple times to request for Mohela to correct the incorrect information they have about the number of payments I have made under PSLF and the number of payments remaining and Mohela continues to leave incorrect information, tries to get me to not make payments on my loan and also to not reflect the payments I have made. I have THREE payments remaining of the XXXX. For XX/XX/XXXX, XX/XX/XXXX and the FINAL Payment on XX/XX/XXXX, the FINAL payments are XXXX, XXXX and XXXX. I believe that Mohela is acting in bad faith with multiple borrowers and they are trying to keep people in debt when we have worked very hard under the PSLF program. Mohela sent me the attached letter in XX/XX/XXXX showing I had 8 payments remaining as of XX/XX/XXXX. Then in XX/XX/XXXX, they sent me a letter showing I had 8 payments remaining and again in XX/XX/XXXX showing I had 6 payments. I made 5 more payments during the period of XX/XX/XXXX to XX/XX/XXXX and have THREE payments left on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Mohela keeps trying to change the payment amounts or tries to have me pay nothing, tries to defer me and sends inaccurate information. I would like CFPB to prevent Mohela from acting in bad faith toward borrowers and correct the number of payments I have made under PSLF which is XXXX. On XX/XX/XXXX, I will be making my XXXX payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I filed for an adjustment for my student loan one month before repayment. I turned in all the forms and filled out the necessary information with the customer service agent. I was told I qualified for a XXXX dollar a month payment and the first bill came out stating that I owed over XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 47250
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am on the PSLF program. I emailed w2 and had the employee fill out the paperwork, they said payments counted but yet it is not showing as being counted-it says employee not certified. I have called multiple times and emailed, and even call XXXX XXXX XXXX to find out because Mohela kept saying it was their issue not Mohela which is their response to anything. I have faxed over the paperwork several times and they keep returning anything saying its not acceptable or they cant read it. Anything to not make my employment count. None of my payments under the new laws are being counted either.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53221
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I trust this letter finds you well. I am writing to bring to your attention a recent resolution regarding an internal issue with my bank, MOHELA/DEPT OF ED that has affected the reporting of my account status on my credit report. I kindly request your assistance in updating this information to accurately reflect the true status of my account. MOHELA/DEPT OF ED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MOHELA/DEPT OF ED customer service representative XXXX Upon careful review of my credit report, I noticed discrepancies in the reporting of my account status. I would like to provide clarification on this matter. Due to an internal issue within MOHELA/DEPT OF ED, my account status was inaccurately reported, suggesting that it was not open or that payments were late. After addressing this matter with MOHELA/DEPT OF ED, I am pleased to report that they have acknowledged the internal issue and have agreed to update my account status to reflect that it has always been open and never late. I kindly request that you update my credit report accordingly to accurately reflect the positive standing of my account. Enclosed with this letter, you will find supporting documentation from MOHELA/DEPT OF ED, confirming their acknowledgment of the internal issue and their commitment to rectifying the reporting inaccuracies. I understand the importance of maintaining an accurate credit report, and I appreciate your prompt attention to this matter. Your cooperation in updating my credit report will ensure that my credit history is a true representation of my financial responsibility. I kindly request that you notify me in writing once the necessary corrections have been made to my credit report. If you require any additional information, please do not hesitate to contact me. Thank you for your understanding and assistance in resolving this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I consolidated my XXXXXXXX XXXX loan- verified on XXXX data. Mohela lists my my XXXX loans not consolidated. They had placed me in a XXXX The consolidation was not completed. I consolidated again tonight. Mohela XXXX has incorrect information, payment information as of today. I did get a bill with different information ( lower payment ) than the online account. It is impossible to get anyone on the phone. My bill date XX/XX/XXXX due XX/XX/XXXX is XXXX XXXX Mohela continues to list XXXX I pay my XXXX loans on time. Had I not noticed this I may miss out on the XXXX XXXX adjustment as my loans should have been consolidated and my account billing is incorrect. I would appreciate it if Mohela sent billing statements reflective of my account and corrected online account information as it is very confusing. My consolidation should not be messed up a second time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 17543
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have 3 different student loans that were given/sold to Mohela and are now being processed through the company. I have tried reaching out to ensure my auto-debit payment reflects all three accounts. It should be a total of {$300.00}. However, the first time they were supposed to process the payment, they did not, making it late. I had to call and make a payment. Looking at my account, the called-in payment was posted but did not pay all three accounts. This payment was not needed because my account was put in forbearance. I am frustrated because I have received many messages that say different payment amounts, different pay dates, notices that do no have enough time allotted, and forbearance enrollment. I have tried to call and sat on the phone for 60+ minutes to have the call disconnected. I am frustrated with the process. I am so close to meeting the requirements for PLSF, I do not need a company that is overwhelmed, mess things up for me!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60188
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a letter from Mohela dated XX/XX/XXXX saying that my student loans were paid in full and there is a XXXX balance. However it is now XX/XX/XXXX and its still showing up on my credit reports. Mohela has not updated the bureaus since XX/XX/XXXX and they have no plan to do so.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX, I signed up for auto-debit which allowed MOHELA to automatically withdraw money from my account every month when my payments were due. By doing so, they would decrease my monthly payment by {$30.00}. I received a confirmation email on XX/XX/26 stating that I will be enrolled in this program. However the last few payments that have been automatically deducted still did not reduce the payment by {$30.00}. I am still paying the full amount monthly AND being automatically withdrawn from my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92869
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: Right out of college I was paying {$3000.00} a month in student loans and I was able to refinance down to {$580.00} but was able to pay {$880.00} a month so I did that. However, my total is not going down. I can not afford these student loans and it is so frustrating that MOHELA wont answer me. I cant even get into my account now and they havent been able to help me get back in. I was down to {$59000.00} and last time I was able to look I was back at $ XXXX. I dont understand how they can do that. Im struggling to pay all my bills and student loans are killing me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 13820
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My PSLF has not been calculated correctly. It is showing as XXXX when I have had time in forbearance and previous payments. Im just trying to get ahead and continue to be knocked down. They also havent factored in my wifes XXXX plan with mine and are impossible to contact.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29316
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A