Date Received: 2023-12-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: During the timeframe of XXXX, student loans were acquired for XXXX XXXX by the use of forged documents and my stolen Social Security number . In an attempt to further conceal this activity, these loans were then consolidated under my name using online activity. I discovered this in late XXXX when my wages were unexpectedly garnished through my employer. I have tried to resolve this matter through many attempts with XXXX XXXX who maintains that I am responsible. I have provided approximately 85 pages of supporting evidence of identity theft. However, XXXX refuses to provide me any documentation supporting their position. Since XXXX has continued to act in bad faith condoning this criminal activity, I have moved this loan ( approx {$56000.00} ) away from XXXX to the US Dept of Education - MOHELA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NH
Zip: 03062
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I contacted Mohela in XXXX to ensure that I had active in-school deferment. They processed my request and issued a message that my in-school deferment was active. In XXXX, an automatic debit of {$280.00} was taken from my checking account, thereby overdrafting my checking account on the Monday before XXXX. On calling, I was informed that my in-school deferment expired on XX/XX/XXXX, thus my account was in repayment and I was debited on XX/XX/XXXX. I was told that I would need to find and download the in-school deferment form and have my school complete it. I was also told that the refund for this debit would take 7-10 business days to approve and process, and that no overdraft fees would be reimbursed. I asked how my account was setup to autodebit when I had never set this up on my accountnot only did I not sign up for this service, I never provided them with my bank details. They could not tell me how or why this was done without my consent. In fact, the Resolution Specialist requested a copy of my bank statement to show that my account was overdrafted due to this erroneous debit. After XXXX days, my account is still listed as in repayment and I have received no messaging or confirmation that I had been placed on deferment or that my refund is processing. I am concerned that their debiting process will continue to be an issue and I question its legality. I have not had an autodebit for student loan repayment setup since the servicer I had in XXXX. That was XXXX servicers agoI have been moved from XXXX then to Mohela since then.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loans are in forebearance until 2040, but I want to remove it so I can make payments towards public service loan forgiveness. I have made many requests over the past two months that they remove the forebearance, but they never do. I have missed two payments towards PSLF now. They told me over the phone that they will remove it but they never did. They ignore my electronic communications.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account has been paid in full since on or around XX/XX/2023. Attempts to resolve this have been unsuccessful and the account balance remains.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Student loan forgiven and received letter from Mohela. When I sign into dept of Ed and Mohela my balance is XXXX. Disputed with all credit bureaus and they send back results showing still have balance of XXXX on my credit report. I need this updated to XXXX balance please.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My XXXX loans with Mohela under the XXXX program were on the XXXX plan as $ XXXX and in XX/XX/XXXX of those loans were changed to the XXXX plan without my knowledge. I called Mohela and the representative said they didn't know why that XXXX loan was changed to the XXXX plan because I hadn't requested it and there was nothing I could do and that it would still count towards my XXXX. They also notified me that the other XXXX loans were moved to the XXXX program and stayed at the $ XXXX, so it was very odd that just XXXX loan was moved to XXXX In XXXX and XXXX I was charged {$54.00} for that XXXX plan that was changed to XXXXXXXX, but then I came across a XXXX support group where others experienced the same problem and were able to get their loan changed to the XXXX plan. So I called Mohela in XXXX XXXX and spoke with another representative who said that the LEVEL plan did not qualify for XXXX and that they could put in a ticket to investigate what happened. They also placed me on forbearance so that I wouldn't get charged the {$54.00} in XXXX and the representative said that during forbearance my loans would still count towards the XXXX forgiveness. XX/XX/XXXX, I called Mohela again for a status update and now I have a whole other set of problems. They did change that XXXX loan from XXXXXXXX to XXXX, but instead of going back to the $ XXXX where it was before, now it's $ XXXX that I owe for that XXXX loan. The representative said they aren't sure why it wouldn't go back to the {$0.00} since I have not submitted my IDR recertification application yet. And they confirmed that since I was in forbearance for XXXX months those wouldn't count towards XXXX. And they are working to reimburse me the XXXX charges of {$54.00}, and that it shouldn't affect my XXXX count those months. At this point, I don't feel confident in their ability to really make this right before I actually submit my XXXX recertification in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: Have tried to get forgiveness. Set up payment plan mohela but can't make payments. Owe {$97000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have PSLF and TEPSLF. I have reached 120 payments and accounts should show as paid in full. My employer certified my most recent months of employment and Mohela only applied 2 months. Mohela didn't apply XXXX and XXXX in an effort to prevent me from reaching 120 payments. They purposely placed me in a forbearance when I didn't check the box to be placed in forbearance. I contacted Mohela and they advised me I was in repayment however the representative provided false information that I was going to receive a letter that i reached 120 payments. I never received said letter and the only letter I received was that I had 118 payments and 2 didn't qualify. This is unfair and unjust because they are not applying the payments. My payments are {$0.00}. lease update my account status to paid in full so my true account status can be reflected.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77091
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: MOHELA shows my loans are in Standard ( Level ) Repayment ; however I completed a federal " XXXX XXXX XXXX XXXX XXXX XXXX Request on the XXXX website on XX/XX/XXXX to change repayment to " Income-Contingent Repayment Plan. '' This request still shows to be in review ; however my student loan payment is due XX/XX/XXXX at the current standard repayment rate. I am requesting my repayment plan request be processed and if accepted, reflected on my statement, before I submit payment on XX/XX/XXXX. If this is not possible, I request Mohela/DoE set the loans status to administrative forbearance until the the request has been processed ( and if approved, reflected in the amount due per the updated repayment plan ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73107
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Made a call to Mohela on XX/XX/2023 to advise them my loans have been forgiving and my credit report and account need to be updated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A