Date Received: 2023-12-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX, I applied for a Federal student loan consolidation with direct loan and the SAVE income driven repayment plan. My consolidation was processed, and MOHELA is my servicer. About one month ago I spoke with a MOHELA representative because my loan had been in administrative forbearance since XX/XX/XXXX. I was advised by the representative that the IDR was still in process and there was nothing that I needed to do on my end. The forbearance was then extended to XX/XX/XXXX, and most recently, it was extended to XX/XX/XXXX. Today, on XX/XX/XXXX, I received a billing statement advising that my first payment is due on XX/XX/XXXX, in the amount of {$170.00}. However, according to my student loan account, the IDR is still processing as of today, so the bill that I received today, is incorrect. Am I expected to pay my first student loan installment based on an incorrect billing statement?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 12180
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MOHELA/DEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX Violated the PRIVACY ACT OF 1974 AND THE FAMILY EDUCATION PROTECTION ACT by providing my non public personal information to XXXX XXXX AND XXXX and I'm sure multiple others that I have not tracked down yet. They stated that they would not provide any of my personal transaction history with any non affiliates or third-party companies. All of the credit agencies are non affiliates of mohela/Dept of education.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: Dear Ombudsman, I hope this letter finds you well. I am writing to bring to your attention a matter regarding my student loans, specifically concerning the forgiveness program. I recently became aware that there might have been an oversight in the forgiveness process that resulted in only a portion of my loans being forgiven. I contacted MOHELA and they informed me it was too late and there was nothing they could do. I am truly grateful for the assistance I have received in the form of loan forgiveness for some of my student loans. However, I recently discovered that I could have potentially qualified for forgiveness on all of my loans had I been informed about the option to consolidate two specific loans into the ones that were forgiven. Unfortunately, I was not aware of the consolidation option at the time, and I believe this lack of information has led to an oversight in my case. I understand the importance of following the correct procedures to ensure eligibility for loan forgiveness, and I want to rectify any oversight that may have occurred. I kindly request that you investigate this matter further to determine if there was indeed an error in the processing of my loan forgiveness. If it is confirmed that the consolidation of the two loans was necessary for full forgiveness, I respectfully ask for your reconsideration and the inclusion of those loans in the forgiveness program. I am committed to fulfilling all requirements and ensuring that I meet the necessary criteria for loan forgiveness. I believe that had I been informed about the consolidation option, I would have taken the appropriate steps to include all eligible loans. I appreciate your prompt attention to this matter and look forward to your response. As you look through this information, can you please put my account into forbearance. Thank you for your understanding and assistance in resolving this issue. I am eager to work collaboratively to ensure that all eligible loans are considered for forgiveness. Sincerely,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Mohela reported my student loans to XXXX bureaus finally, but they reported them as Deferred and only included XXXX months of information out of the XXXX or XXXX months it's been total. They were more concerned with my old original accounts reported since they actually reported them multiple times while I was waiting for the fresh reports. Their fresh reports did not reflect a single thing that I was told would happen if I enrolled into the Fresh Start program, It actually put me in a worse position than I was in when I had the collection accounts on my reports for multiple years. I was baited into the program using pure deception, and I would have not enrolled if I had known this was going to be the result. Everything I was thinking was going to happen was nothing but a big blatant lie directly to me over the phone. I was so happy to hear what would happen to my accounts and credit reports that I shared the wonderful news with almost everybody I know, including posting about it on multiple public Discord servers. I thought my life was finally going to get to a stage where I was able to get personal loans or business startup loans, credit accounts, pretty much all of the options the average XXXX XXXX has available. Nope, I still have absolutely no options, and now I don't even have any credit scores once again! XXXX years since I was scoreless and now I'm right back to square 1 with my non-existent financial opportunities. I also didn't receive any billing statement for XXXX, and I made a payment in XXXX voluntarily, yet my credit reports claim my last payment was the day before it was reported for the very first time and reported as Deferred on XX/XX/2023. Im going to consult with my lawyers to determine the extent of this whole thing with Mohela, and also Im going to file a lawsuit directly against the Department of Education XXXX XXXX that my accounts were transferred from, for deceptive business practices and everything else the incident falls under.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: My complaint is with the US Department of Education, XXXX and Mohela -- I have been actively working to qualify for XXXX since XX/XX/2022 ( after working full time for the XXXX for over XXXX XXXX ). I have qualified finally after loan consolidation with Mohela, verification of a valid employer ( XXXX XXXX XXXX XXXX XXXX XXXX and making over XXXX qualifying payments. My application for XXXX forgiveness now resides at the US Department of Education for final decision as of XX/XX/XXXX. Neither Mohela nor Federal Student Aid can verify the status of this decision and an agent at XXXX said that the division aXXXX XXXX XXXX does not accept incoming calls. XXXX stated that the process can take up to XXXX business days ( XXXX months ) -- this is unacceptable. I am an employee of both the XXXX and XXXX and this is unacceptable customer service. Please remediate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94010
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account is paid in full. I have a XXXX balance and the verification was emailed out to me on XX/XX/2023. However, it is still showing on my credit report for the full amount of {$200.00}, XXXX. Each time I dispute it with the credit companies I get a notice stating that Mohela is reporting that the amount they have is verified. Each time I call Mohela they tell me that they are not reporting that amount to the credit companies and there is nothing they can do to help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64014
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My student loans were forgiven in XXXX ( per a letter to me from Mohela ), but the balance and updated status has NOT been reported to XXXX. I have disputed the incorrect balance three times, and contacted Mohela asking them to send XXXX the correct information. Mohela is incorrectly reporting the balance to XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97211
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Complaint Regarding Mohela Student Loan Servicing Dear Sir/Madam, I am writing to file a formal complaint regarding issues I have encountered with my student loan account serviced by Mohela. I have experienced multiple discrepancies in due dates, repayment amounts, and erroneous charges during periods of forbearance. I requested to be on administrative forbearance from MOHELA Today XX/XX/XXXX I called a representative for assistance. representative started by saying that I have a balance due. I replied by telling her that I have messages in my mohela account to confirm that that is wrong and that I am in forbearance. the rep then acknowledges the message I received which confirms my delinquency forbearance beginning XX/XX/XXXX and ending XXXX and a processing forbearance beginning XXXX and ending XXXX Throughout the month of XXXX XXXX XXXX Ive been receiving updates making me aware that I have a missed payment for XXXX and a current payment due of XXXX totaling XXXX. Then After being on hold for some time the representative agrees that something isnt right and proceeds to tell me she will incline it to her supervisor because she herself agreed that there is a discrepancy and she understands why I would be concerned. After a full two hours of waiting and her taking me on and off of hold to see if Im still there I was hung up on. My account shows discrepancies on due dates, amounts owed, etc. I cant help but feel MOHELA is an unreliable and unhelpful loan servicer. Despite multiple attempts to address these issues through Mohela 's customer service, the problems persist, causing undue stress which may turn into a financial burden if left unresolved.I have adhered to the terms of my loan agreement, but the inconsistencies in billing and charging practices by Mohela have made it challenging to manage my student loan responsibly. I respectfully request your intervention and investigation into this matter to rectify the discrepancies and ensure fair and accurate servicing of my student loan. Your prompt attention to this issue would be greatly appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I submitted an IDR repayment plan request on XX/XX/XXXX. I checked the documents received in MOHELA account on XX/XX/XXXXXXXX and the IDR plan application said cancelled but did not say when it was cancelled or why. I was never notified of this and there was no explanation as to why it was cancelled. They also sent me an email on XX/XX/XXXXXXXX that I have missed a payment of {$170.00} on XX/XX/XXXXXXXX but when I called Mohela said I was on forbearance till XXXX however my account showed a missed payment. The information is not aligning and I should not have been charged a payment in XX/XX/XXXX. Mohela never notified me about the status of my IDR application and notified me through phone my account was on forbearance till XXXX but then charged me a missing payment on XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92606
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I am XXXX XXXX I did not sign the master promisary note. I never needed a loan the fees charged were payed by the Gi bill I have Also any additional would have been covered by the XXXX worth of Pell grant funds that was received. I was over changed and now my credit report is also suffering for the fraud that was committed on the behalf of the XXXX XXXX XXXXXXXX. The contracts or promisary notes were forgeded my signature is not there along with some of the names and addresses are not mine as well. This issue has been known since 2018 and nothing was done I want this issue resolved immediately as it effects the stability of my household.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A