Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX. I been on the phone holding for 4 hours and then today XX/XX/XXXX over 6 hours trying to talk with someone in the credit department at XXXX. I was told that FedLoans had my student loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that FedLoans are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan student loan people ( FedLoans who transfer or sold my loan to XXXX ) to get it resolved bc it is FedLoans mistake.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23701
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have submitted my application for the Public Service Loan Forgiveness program as I have completed my required 120 on-time loan payments while being employed by a qualifying PSLF employer. I submitted my initial Employment Certification Form in XX/XX/XXXX XXXX and soon afterward I received correspondence that only 118 of 120 necessary qualifying payments were tallied. Per my account on the Mohela website, all payments made since XX/XX/ are listed as " Eligible '' payments, however they have not been included in the payment count as they are marked as " Employment Not Certified ''. I have made multiple phone calls to Mohela while waiting on hold times averaging 80-90 minutes to speak with a representative. On my initial phone call in XXXX, I was told " Allow up to 90 days to process your request. '' After the 90 days transpired, I made another phone call during which the representative told me " You need to submit another Employment Certification Form ''. Another ECF was submitted on XX/XX/XXXX, with no response, and my payments made in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( for a total of XXXX ) would bring my qualifying loan payment total to 125. My frustration lies in the fact that the company refuses to recalculate my qualifying loan payments and process my application for loan forgiveness in a timely manner. In the meantime, I have made XXXX extra monthly payments at over $ XXXX which is an exorbitant amount of money to be spending on loans for which I have qualified to have forgiven per the requirements of the PSLF program. I would greatly appreciate any and all assistance to get this matter settled.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Mohela reported an inaccurate late payment on XX/XX/XXXX to the credit bureaus which made my XXXX XXXX drop XXXX points. I have been enrolled in graduate school since XX/XX/XXXX at Indiana University XXXX. XXXX submitted deferment papers verifying that I am enrolled in school. I contacted Mohela to confirm that the deferment was recieved on XX/XX/XXXX and was told that it was recieved on time. I asked why did the report a late payment to the credit bureau and the lady I spoke with said that it was incorrect and that I must file a complaint. I made XXXX attempts to speak with the office that handles credit complaints and the call was disconnected both times. I am very devasted by this injustice because I just fulfilled the requirements to be successfully XXXX from a XXXX XXXX XXXX and am establishing my credit. This inaccurate reporting has hurt me significantly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46324
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: MOHELA does not include the amount of interest due on loans on it's website 's payment page. It shows up like this : Loan Type XXXX Principal Balance ( $ ) XXXX Interest Rate ( % ) XXXX Next Payment Date XXXX # Days Past Due XXXX Past Due Amount ( $ ) XXXX Current Due Amount ( $ ) XXXX I attempted to payoff one of my loans in full not realizing this crucial information was missing. When I logged in a few days later I was surprised to discover I still had a balance that was accruing interest. I called in to their support team yesterday on XX/XX/23 at XXXX XXXX, waited on hold for between XXXX minutes, and finally spoke to two representatives. The first was in training and needed to transfer me to a more experienced rep. The more experienced rep said she would attempt to write off the remaining balance by filing an internal request. I sent a follow-up email complaining and requesting an update on that internal request, but have not received a response. Even if they write off the remaining balance, it does not change the fact that I can't tell on the payment page how much money I actually owe. The support representative I spoke with mentioned that I was not the first person to call about this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am in the post action class for borrower defense forgiveness of my loans from XXXX XXXX. MOHELA keeps telling me that Department of Education has not provided them with information to defer my payments because my loan will be forgiven. I have contacted Dept of Ed and they have sent the form twice but MoHELA says they do not have it. Dept of Ed told me to ask for deferment and mohela said they could not defer my payments without something from Dept of Ed. I feel I am getting the run around and can not get a straight answer. Neither side seems to know what to do or what is going on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37830
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Struggling to repay your loan
Subissue: Problem with your payment plan
Consumer Complaint: In XX/XX/2023 I applied for IDR plan which I qualify for through students.gov. They used irs data retrieval tool to get tax information and submitted all necessary documentation to Mohela. My IDR application was denied due to needing additional income information that was already provided by students.gov.I submitted another application. The next day I contacted Mohela and verified income and submitted another application for IDR for the third time. Upon looking on Mohela.com both applications showed canceled status on XX/XX/23 XX/XX/23. I called again on XX/XX/23 due receiving a letter stating my obligation for payment by XX/XX/23 which was different from student aid that quoted XX/XX/23. I contacted Mohela again where I spoke with supervisor shy who resubmitted application and stated it was not processed correctly she quoted 1-2 days for processing and new IDR information. I asked for something in writing stating this she stated a letter would be mailed in 5-7 days. Upon calling today to verify whats going on with my account a new trainee XXXX stated that it would take 5-7 days to process. This is insured I have been waiting since XX/XX/23. This can affect my credit negatively and this entity has not clear answers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27801
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hi, I am writing to request a review of a delinquency on my credit report that occurred in XX/XX/2020 at the beginning of the XXXX XXXX Pandemic. The XXXX XXXX I worked at was negatively impacted by XXXX. As a result, our office closed, then reopened with reduced hours. I was unable to make my student loan payment on time that month because my income was greatly reduced. All my other payments were on time and in good standing. I am requesting MOHELA/DEPT OF ED to remove the delinquency from my credit report. My husband, who is an XXXX XXXX service member in the XXXX, and I are in the process of buying our first home. The delinquency is preventing us from securing a residential mortgage loan. Given that many loans were eligible for deferral, please consider my request as my delinquency occurred before the XXXX related deferral programs were in place but at the onset of the pandemic.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been enrolled in the Public Service Loan Forgiveness ( PSLF ) program since I started working for the federal government in XX/XX/XXXX. I continue to work full-time for the federal government but enrolled in an XXXX XXXX XXXX XXXX in XX/XX/XXXX. My enrollment automatically caused all of my student loans to be placed in " in-school deferment ''. I spoke with a Mohela representative on XX/XX/XXXX requesting to have my loans taken out of deferment so I could make the payments starting in XX/XX/XXXX. This was not done. I called again on XX/XX/XXXX and spoke with another representative who e-mailed me a " in-school deferment waiver '' form to be signed and uploaded. I completed and uploaded the form on XX/XX/XXXX. Again, nothing happened. I spoke with another representative on XX/XX/XXXX who told me the form was there but could take 45 days to process. It has been 45 days and still nothing. I called Mohela again today, XX/XX/XXXX, and was told that it could take another 90 business days! I simply want to make my payments so they will qualify for XXXX. I only have XXXX payments left to make to qualify for forgiveness and this delay is unnecessary.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: It takes hours for MOHELA to answer the phone and it has failed to make progress on loan forgiveness. You can't get in touch with anyone at the servicer and I haven't been credited for previous payments made prior to the pandemic. This is a negligent breach contract, of fiduciary duty and violation of federal debt collection laws.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I applied for the SAVE plan for my student loan repayments on XX/XX/XXXX, and was quoted that I would have to pay {$360.00} per month. My loans were put on administrative forbearance on XX/XX/XXXX, when payments were supposed to start. This morning ( XX/XX/XXXX ), I got an email from Mohela saying that my auto debit is set to start on XX/XX/XXXX at {$540.00} per month. I looked at the status of my IDR and Mohela said it was received on XX/XX/XXXX but " cancelled '', without any further information. It takes more than an hour to reach a representative, making it impossible with someone with two jobs, working 7 days a week to reach them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A