Date Received: 2023-11-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I submitted an application to studentaid.gov for the SAVE ( IDR ) repayment plan on XX/XX/2023. It was sent to my student loan processor MOHELA. However, ever since it was received it has been under " processing '' phase. MOHELA put my loans under administrative forbearance on XX/XX/XXXX to end on XX/XX/XXXX. I continued to wait until XX/XX/XXXX when I contacted them via their message platform regarding my application still processing. It is XX/XX/XXXX and I have not heard back from them nor has my application been processed. I received a notice that the forbearance ends XX/XX/XXXX and I will have to start repaying my loans without the SAVE repayment plan in place. My first payment is due XX/XX/XXXX a few days before XXXX. This is ridiculous.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Contacted MOHELA for clarification on why interest is accruing on my XXXX plan even though I am making the required payments. Have not received any response - requested information XX/XX/23. Several months of accrued interest are already present.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60077
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: MOHELA currently features a warning at the top of my student loan account page that says " TIME TO RENEW '' and urges me to submit my income recertification by XX/XX/2024 in order to stay on my income-driven repayment plan. However, this is in direct contradiction to the information about IDR recertification on XXXX, which says : " The earliest you could be required to recertify is XX/XX/2024. '' I have tried contacting MOHELA about this and they refuse to respond or correct this false information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 24060
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My student loan was paid off in XX/XX/XXXX. No updates to my reports have been made since XX/XX/XXXX. Submitted an online dispute with XXXX which was completed on XX/XX/XXXX with no update to the loan balance and also it shows no payments made on the account. I submitted a request to the loan provider ( Mohela ) to update the balance with the credit bureaus which they claim to address requests within 3 days. It has now been 2 weeks and they have done nothing. Now this is affecting me as I will be getting a new car loan soon and my score is not reflecting my credit worthiness accurately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loan servicer used to be XXXX however in XXXX of XXXX I received the following correspondence The U.S. Department of Education ( ED ) has transferred the customer service of your federal student loan account to MOHELA, another member of EDs federal loan servicer team. Your loans were not sold. This was after I had submitted my application to the student loan website for my annual income driven repayment plan and had received information from XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX that that application was processed and accepted and my monthly payments would be {$760.00}. When I went to the MOHELA website in XXXX to set up payments the amount due was for $ XXXX and it was listed as my Pay as you earn amount which I did not apply for. The loan servicer also listed the following information which was incorrect : XXXX Pay As You Earn XXXX {$770.00} XX/XX/XXXX XXXX Pay As You Earn XXXX {$2300.00} XX/XX/XXXX XXXX Pay As You Earn XXXX {$1700.00} XX/XX/XXXX What is blatantly obvious about this information are the dates- I did not apply for nor did I make payments in XXXX as it was still under forbearance- in fact there are no records of any such application. The information listed here is inaccurate. I contacted MOHELA to have this corrected and I was told that I needed to contact student loan government website to have them resend the completed application. I did this and I was told by the student loan government website that they could not do so. I am now being told by MOHELA that I have to repeat the application all the while being responsible for that payment amount they have listed currently.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loans are supposed to be on administrative forbearance while my discharge is being processed for the Sweet vs. Cardona settlement. The student aid website shows my discharge is still being processed. My student loan account with MOHELA was recently removed from administrative forbearance. This is a violation of the settlement terms.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55304
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Since XXXX, I have tried setting up an Auto Pay for student loans and it shows in my bank account but I keep getting notifications from Mohela about not getting the payments. Its super confusing and so frustrating, because it shows Im making the payments but still getting notified that Im not making payments. What am I doing wrong? Mohela isnt a sufficient student loan company and they need to figure their stuff out. Its unfair.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98684
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Mohela and Federal Student Aid are deceptive and are significantly impacting my ability to plan for my future financially.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60201
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: They put my loans in administrative forbearance because they didn't bill me. then they sent an incorrect bill amount ( didn't include all my loans ) and made the bill due in less than a week from when they sent the billing statement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35205
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I consolidated all my loans to Mohela. I have had to make several phone calls to them during the consolidation/ repayment starting period. Each time is more than an hour wait on the phone. Each time is someone different who gives me incorrect information leading to another call to Mohela. On XX/XX/XXXX I was denied IDR even though I met the criteria. After speaking with someone, they told me I did qualify, so on XX/XX/XXXX I was approved for IDR. In XX/XX/XXXX I noticed another error with only 2 of my 6 qualifying loans being included in my IDR plan, so I called again ( XX/XX/XXXX ) to figure out why I was placed on administrative forebearance. I was told I needed to provide income info, which I did and was told my payments on SAVE plan would be XXXX. Two days later when I called with my tax info, I was was told my payment would be {$42.00}. So XX/XX/XXXX IDR approved again, XX/XX/XXXX it was canceled completely. I receive notice all my IDR was canceled due to not providing tax info, which I have provided numerous times via phone calls after waiting more than 60 minutes to speak with someone. So with XXXX on XXXX tax of XXXX, family of XXXX, I am told I now owe more than {$800.00} due by XX/XX/XXXX, while my tax documents sit in " being processed '' status since XXXX. My husband is permanently XXXX, and I work for non- profit as primary income provider. I can't afford to pay {$800.00} this month, I met all criteria for SAVE and should not be responsible for an incorrect bill because Mohela can not do their job. This feels fraudulent and illegal
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80504
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A