Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent numerous written correspondence and submitted a receipt of payment. XXXX has violated my rights under the terms and conditions they granted me at the time of the account opening. The credit reporting agencies violated my right 's as well. According to 15 USC 6505 - 8 Not only was my right to opt out violated, but my right according to 15 USC 6802-5 with respect to obligation with respect to disclosures of personal information was violet also. According to The Family and Education Privacy Act of 1974 all of rights have been trampled. I sent a letter to which I did not receive any type of response as to the status of my account and why my account does not show accurate account information. They are also in direct violation of The Education and privacy act which said the school would not provide transaction history to any third party companies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: MOHELA is claiming that I missed a payment that they had already assured me would not be due. In XX/XX/2023, they tried to switch my loans from the REPAYE income-driven repayment ( XXXX ) plan to the XXXX plan ( a different IDR that replaced REPAYE ). But MOHELA processed the switch incorrectly and only switched the payment plan for XXXX of my eleven loans, and then tried to bill me for the full amount of a standard non-IDR plan for my payment due XX/XX/XXXX. I called MOHELA to sort out that problem, because at the time their website was telling me that my loans were somehow simultaneously in forbearance and had a full non-IDR payment due on the first of the month ( over {$1000.00}, as opposed to the XXXX XXXX XXXX monthly payment I should owe under an income-driven plan ). I then called MOHELA to sort that out, and the representative I spoke to told me that the amount due shown on the website for XX/XX/XXXX was an error, and the loans were in fact in a forbearance while MOHELA got all of my loans onto the correct repayment plan. This representative told me that I didn't have a balance due on XX/XX/XXXX, and that I wouldn't be penalized because of their website error showing that I had that payment due while my loans were listed as in forbearance. Now, all of the loans have been put on the correct plan ( the XXXX plan ), and my amount due shown for XX/XX/XXXX looks correct, but MOHELA is telling me that I missed the XX/XX/XXXX payment that they had already assured me wouldn't be due while they sorted out their own incorrect processing of my loans ' switch from XXXX to the XXXX repayment plan. I can afford to pay them the {$230.00} they say I'm behind, but I will not tolerate them reporting or recording that I missed a payment, after their own representatives told me that the bill for that payment was in error and I didn't owe anything on it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63109
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received a billing statement on XX/XX/XXXX that stated {$49.00} was due on XX/XX/XXXX ( Loan XXXX ). Loans XXXX and XXXX were not on the statement. I received an auto debit notification on XX/XX/XXXX that stated {$200.00} will be withdrawn on XX/XX/XXXX. A MOHELA representative later clarified that billing statements are only sent for loans that are not on auto debit ; however, it was incredibly confusing when my auto debit notification for Loans XXXX and XXXX stated the required payment and due date are to be determined. I scheduled a manual payment of {$49.00} to be withdrawn on XX/XX/XXXX while XXXX XXXX was in the process of being added to auto debit. The payment was for the remaining XX/XX/XXXX balance that was not paid via auto debit ( {$200.00} ). A total of {$240.00} was paid XX/XX/XXXX, which is the exact cost of my monthly payments for all three loans. I logged in to my account on XX/XX/XXXX to review upcoming payments and discovered XXXX XXXX was delinquent with an outstanding payment of {$39.00}. The scheduled payment was distributed across XXXX loans, but the payment site did not indicate this would happen. I was not notified that my loan was XXXX ( XXXX ) days delinquent due to a " missed payment. '' Furthermore, why would MOHELA allow a payment to be split if it would put a loan into delinquency? MOHELA states instructions for " special payments '' will not be followed if it causes a loan to be delinquent. The " special payment '' instructions also state MOHELA will attempt to contact borrowers if there is a missed payment or delinquent loan. I understand scheduled payments are not " special payments, '' but it does not make sense to not follow the same process. I spoke with a MOHELA representative on XX/XX/XXXX and was informed the payment could be consolidated and retroactively applied only to XXXX XXXX. I was advised this would remove delinquent remarks from my account and that I would receive confirmation of this update. My account does not reflect these updates, nor have I received confirmation of the application sent to consolidate the payment. The customer service representatives I spoke to were helpful, but the overall service from MOHELA is abysmal. Billing information is not clear and seems to be incomplete ; however, MOHELA 's failure to contact me regarding my delinquency or missed payments is most concerning. I received confirmation that my scheduled payment and auto debit payments posted, but nothing regarding the status of my loan. Delinquency can be devastating for borrowers, even if it is due to a mistake on the loaner 's end.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/23 I called XXXX and the representative XXXX instructed me on how to access my credit report online. After accessing my credit report I saw some inaccurate information. I saw that an unbeknownst company name Mohela on my credit report. On top of that I noticed that this company was reporting that I owe {$60000.00} ; upon further review I noticed that the amount payment monthly is reporting XXXX dollars. How can I owe a company {$60000.00} in balance, but nothing monthly? Thats an oxymoron. After making the representative aware of the inaccuracy, he proceeded to tell me that the item needed to be disputed. However, under federal law, if a company is reporting an accurate information XXXX can be monetarily liable for this violation to consumer rights. Also, upon viewing my credit report, I noticed that XXXX is reporting late payments. Under federal law, a credit account can not be associated as being late. I asked the representative if he is familiar with consumer law and the fines for violating those laws, and he continued to tell me that the account is under dispute already, and can not be further disputed. I will be looking for monetary compensation for the time that my credit profile has been compromised. I have already report to ftc.gov as fraudulent use of my credit report. These credit accounts and the Credit reporting agencies have violated consumer rights in a way that damaged my reputation and credit score for over a number of two years. Loss of Privacy : Violations of consumer privacy, such as the unauthorized data collection, breaches of use of personal information for purposes of deceptive practices. Time and Effort : The time and effort required to resolve issues related to consumer rights violations was a significant inconvenience and injury to the consumer. Opportunity Costs : I the consumer missed out on better deals and opportunities due to unfair practices
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Mohela refuse to acknowledge that I am owed a student loan payment refund under Borrowers Defense Sweet XXXX XXXX XXXX XXXX Mohela has not sent me a financial report regarding my BD refund. My loans were discharged by Mohela on XXXX. Mohela has yet to send the refund of all the payments I made on my federal loans to include being refunded the interest. Mohela has also made mistakes on my credit report. I have disputed my credit report more than three times. The student loan tradelines are supposed to be deleted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX I received a letter from MOHELA indicating that I had made XXXX PSLF qualifying payments. On XX/XX/XXXX I received a letter saying my student loan had been forgiven under the XXXX program. On XX/XX/XXXX I called MOHELA asking about if the XXXX extra payments were eligible for a refund. XXXX indicated that any payments made after XX/XX/XXXX would be reimbursed from the Department of Treasury. She indicated it could take up to 90 days to receive a refund. On XX/XX/XXXX I called MOHELA to check on the status of the refund. After hours of waiting and XXXX disconnections, a supervisor named XXXX advised me that there had been a mistake in processing and I was due a refund but it had not yet been processed by the Department of Treasury. She said she would ask for the process to be expedited since it had already been such a long time. I received a call from XXXX indicating that my refund was approved by the Department of Treasury on XX/XX/XXXX. The refund could take up to 90 days. On XX/XX/XXXX I called MOHELA to check on the status of the refund. I was told that I was due a refund of {$10000.00} and I needed to give it at least 90 days from the date of approval. On XX/XX/XXXX I called MOHELA to check on the status of the refund and I was told it had not yet been processed by the Department of Treasury and to continue waiting. The customer service representative confirmed the refund in the amount of {$10.00}, XXXX. It is now XX/XX/XXXX and I have not received a refund. I have spent no less that XXXX hours on the phone with MOHELA. I have asked for written documentation that I am entitled a refund, and they refused. I asked for some form of communication from MOHELA when the refund has been processed and they have never communicated with me. I have asked to speak to numerous supervisors or for a number I can call at the Department of Treasury and they said they were unable to do that. The only thing I have every been told is to keep waiting. It has been almost a year since my loans were forgiven.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63366
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the Family Educational Rights and Privacy Act as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal. Opting out of student loan reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: After waiting XXXX hours and having my call dropped I sent a message XX/XX/23 questioning why : XXXX payment was online says {$420.00} but doesn't provide a due date. XXXX. My invoice in my messages inbox states that my total payment due is {$370.00} by XX/XX/XXXX which is different than above amount. I asked why are the amounts different. Also my XXXX XXXX plan which on federal aid site says my monthly payment should be {$11.00}. I received no response. I tried calling again XX/XX/23 but again couldn't connect. I'm stationed in XXXX in the XXXX so the time difference makes it difficult. I sent another message and received an automated response on the XXXX that my message was received and i would get a response soon. On XX/XX/23 I received a message from mohela that I was late on my payment. I replied telling them thank you for reminding me and asked if they could please answer my previous requests explaining why my payment is so high. They sent me an automated message stating that my loan payment amount under save is dropping to XXXX $ starting in XXXX. Then they sent another saying it was XXXX XXXX This is great, but I'm still on the hook for paying XXXX $ in late payments because they messed up the calculation. How can my payment be XXXX $ or XXXX $ but I owe XXXX $? I don't expect to hear anything back and after reading about others experience this seems to be a VERY common problem. XXXX response generally seems to be to just tell people to recertify or put your account into forbearance while they figure it out. It's unfortunate that there's basically no recourse for people like me. I can't take any action against mohela for doing such a bad job. My only option is to pay an incorrect payment amount that I can't afford.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Struggling to repay your loan
Subissue: Problem with your payment plan
Consumer Complaint: Complaint written to Mohela XXXX XXXX : " I just came from the store getting groceries and the household goods with a full cart. My account balance was XXXX so of course, my payment did not go through for my goods. This is because the several times that I attempted to take myself off of auto payment apparently did not go through. And it isn't an option to message regarding this matter. And the last 2 or 3 phone calls that I had with an agent I brought it up, as I was panicked. I was reassured that it was only " pending status '', and it would not go through ... that things were still being sorted out. So knowing that my payment is coming due and that I was very broke this time of year, I had to make sure to divide the payment that I could afford- the save pmt amount I was quoted- ( or at least try to ) In half for this month to make sure that it was paid by XX/XX/XXXX in full .... So since i've already made a payment this month, I for dang sure did not expect to have you Guys still pulling a payment out!!! I do not authorize you guys to take any payments out of my account. You're unavailable by phone anytime I call, You don't know what you're doing enough to even give me correct information when I do reach someone, Can you left my family completely strapped with a XXXX balance for XXXX month. Thank god it wasn't the mortgage that bounced. Fix this and put the money back in My account. I am perfectly capable of maintaining payments on my own. Although now I wish I hadn't. And fix my payment amount to match what it was supposed to be doing the save plan... I can't afford these payments. XXXX '' ( Then I start my long three day shift the XXXX working nights... Have to handle this when I am able ) XX/XX/XXXX : after nearly 1 hour and being disconnected once, I was assured the payments were being refunded that were taken without permission and the autodebit is removed for sure this time, I heard the same Disclosure Read to me for probably the fourth time That I am not going to get the teeny little 0.25 % Reduction from the interest rate I'm already being charged if I choose to remove the Auto payments that they were forcing on me. I was supposed to have been placed on a Forbearance due to their processing delay. Not only should I never have been debited in the first place, I also never should have been charged or even Due before XX/XX/XXXX by their own record, and I was charged an inflated amount rather than the amount that I owed!!! I am told I can now expect my XXXX pmt not due XX/XX/XXXX for the corrected amount of {$170.00}... Which is how much it was supposed to have been anyway. I confirmed with the " advanced agent '' I was transferred to who was helping me, that the payment I had already sent them ( days before I knew about this ) Would just leave the second payment that I would send of {$86.00} to bring me current for XXXX payment. He confirmed that my refund Was submitted and will be processed, And I would be getting documentation That might have incorrect dates on it, But in the system he will have fixed it to reflect what it needed to to fix my forbearance So that it would show current that you're my refund can process. I will reset my payments I deleted from my bank to continue. XX/XX/XXXX : I received emails from Mohela at XXXX, and Rather than the documentation stating that that auto pays had been deleted and my money had been refunded, They were Confirmations that 3 more auto debits had been scheduled- entered XXXX!!! Which doesn't make sense because it's after They're ours of operation, So of course nobody is there to answer for it or fix it ( Not that they ever have or plan to!! ) And then I called my bank XXXX So I could file It dispute Against the Charges and block them from sure charges. Of course, they were also closed for Customer service, When the government treats you this poorly and violates you're rights .... and takes money that they are Given permission to and breaks promises To make it right, And instead Blatantly proceeds to do it again... Who protects us?! Where's the XXXX XXXX XXXX That will take on good crooked federal agencies?? How's this allowed to continue? They did not have permission to debit my account, I made every attempt to correct it and to allow them time to correct it. Even after apologies and promises to fix it. I never saw that happen, and the only documentation I received since was plans to debit the account that they are not authorized access .... yet again!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have worked for the XXXX XXXX XXXXXXXX for over XXXX years I have submitted the required payment to my servicer Mohels a total of 5 times and my student loans have not been discard as the rules state inn the presidents plan for loan forgiveness I don't understand if they have the required information have reviewed it and on their website they state I have stop working for my employer on XX/XX/2023 and I presently still with the XXXX XXXX XXXXXXXX going on my XXXX year.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A