Date Received: 2023-11-14
Issue: Struggling to repay your loan
Subissue: Problem with your payment plan
Consumer Complaint: I submitted an application for the REPAYE ( now SAVE ) repayment plan on XX/XX/XXXX, XXXX indicating that I have XXXX dependents, am XXXX and do not file my taxes jointly with my spouse. This was submitted with mhy 2022 tax information linked directly from the IRS showing an Adjusted Gross Income of {$26000.00}. Based on the family size and income provided my estimated monthly payment should be XXXX, however MOHELA is charging me {$540.00} per month under the SAVE plan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Payment history is not up to date. Last payment reported was 3 months ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello, This is in regards to my XXXX XXXX loans with Mohela and XXXX XXXX XXXX loans with XXXX. I completed a XXXX XXXX Applications against The XXXX XXXX XXXXXXXX XXXX and XXXX XXXX in XXXX on XX/XX/2022. I am XXXX XXXX XXXX vs XXXX. After I completed the XXXX XXXX Applications, I was advised to consolidate the XXXX XXXX XXXX XXXX loans. Which I did. Now all loans are with Mohela. My complaint is this..I need the loans to be put into XXXX XXXX for as long as the XXXX XXXX Applications are being reviewed by the XXXX XXXX XXXX XXXX While the loans that were originally with Mohela are in XXXX XXXX, the XXXX loans that were with XXXX that are now consolidated with Mohela are not in XXXX XXXX. I have written Mohela, I have tried to contact them via phone, I have done chat on website, but I am either getting no help, no response or the run around with putting these loans into XXXX XXXX. I need all my loans with Mohela to be put into XXXX XXXX while my XXXX XXXX Applications are being reviewed/processed. Thank you for your time and help with this matter
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11783
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loans were transferred to MOHELA this year. I submitted an application for an XXXX XXXX XXXX plan on XX/XX/2023. MOHELA failed to process my application ( it's listed as pending as of XX/XX/2023 ). I have received multiple, conflicting bills and information. A few days ago I received a letter from MOHELA stating they put my account into forbearance. No explanation was included. I did not request such an action. MOHELA seems incapable of providing me with the most basic information, such as a monthly payment amount, due date, and status of my XXXX application. MOHELA has effectively sabotaged our household financial plan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/XXXX submitted a dispute to remove or show that my Mohela student loan was paid in full. XXXX told me that my dispute did not specify what I wanted them to do so I had to submit another one. I also submitted verification of the debt being paid in full which I had a letter from Department of Education detailing this back in XX/XX/XXXX. I submitted another dispute in XXXX which again verification was submitted. I contacted experian today ( XX/XX/XXXX ). I was told that documentation was never submitted to verify that my loan was paid in full by the first agent. I requested to be sent to another agent to reprocess the dispute. I spoke with this other agent who was able to see the documents that were uploaded prior but did not provide a reason why it was not sent before. In the mix of everything I had already spoke with Mohela approximately XXXX weeks prior and I was told that the credit bureaus would be notified by XX/XX/XXXX that the debt was paid in full. XXXX and XXXX have already sent me letters last week confirming that the debt has been paid in full but for some reason XXXX has not. I do not appreciate the way this has been handled by XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Mohela is my servicer. Prior to the resumption of loan payments in XX/XX/XXXX, I was supposedly enrolled in the SAVE plan, but they did not change the payment amount of my REPAYE payment. They removed the forbearance, listed me as on the SAVE plan, but again had an amount due of the incorrect amount. On XX/XX/XXXX, I received a letter backdated to XX/XX/XXXX that my account would be auto debited in the original REPAYE amount on XX/XX/23, despite it saying Im on the SAVE program. Thereafter, on XX/XX/23, I received a notice backdated to XX/XX/23 that I was now enrolled in SAVE, but the first payment was not due until XX/XX/23. In the meantime, the payment of XX/XX/23 was still showing as due in the incorrect amount. Between XX/XX/23 and XX/XX/23, countless people were placed again on administrative forbearance due to this issue, but I was not. I called on XX/XX/23, after they were closed for 3 days, and was told that the payment was due, even though it was in the incorrect amount, and that my SAVE plan would be effective XX/XX/23. This is obviously their way to make an end run around the 21-day requirement, by billing me an incorrect amount. These are not trivial amounts of money. We are talking about payment equivalent to a mortgage payment. MOHELA is wholly incompetent and should absolutely not be given the responsibilities to affect peoples lives like this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 12010
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made a payment on XX/XX/2023 to Mohela, my loan servicing provider. Mohela sent me a delinquent notice stating they did not receive my payment. The payment was made through my bank 's online bill pay center. My bank confirmed the payment was made and went to the correct Mohela account. I have tried to reach Mohela several times, spending hours on hold, sending multiple messages through their website yet I have not been able to reach anyone. This company does not answer the phone!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My student loans were forgiven in full and my balances reduced to {$0.00}. This occurred back in XX/XX/, and I received a letter advising of the forgiveness in full dated XX/XX/. The balances on my account page via Mohela.com reflect {$0.00}, as does the balance on the Department of Education website, however, my credit reports with all 3 major bureaus ( XXXX XXXX XXXX XXXX XXXX ) still shows the full remaining balance of over {$19000.00}. The letter informing of the forgiveness very clearly states " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. ", however, this remains to be seen. Per the bureaus, Mohela has not reported the balances of these loans since XX/XX/, effectively over reporting my outstanding debt to any entities pulling my credit report, resulting in a higher debt-to-income ratio, limiting available mortgage and rate options, increasing the difficulty of acquiring a much needed new home for my family. It has been impossible to get in touch with Mohela by phone ( I have waited hours on the line to speak to a representative to no avail. ) While on the phone, their system constantly refers one to go on their website for assistance, however, I am unable to make requests online, only referred to their " contact us '' page " due to the status of your account. '' A secure message option is displayed on their website, however, I am prohibited from using it with no options presented to proceed or send an email. This is unacceptable from an entity that was reporting monthly while I had a balance to go dark for over 3 months once that balance was reduced to {$0.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made a specialty payment in which I chose the loan I wanted the payment to go towards. I understand that the interest is paid first thanks to the payment plan I'm under however, the payment I made on the loan I chose had less interest than the payment amount. This means the rest should have gone towards the principal, but instead every cent went towards interest according to the receipt I received. To make matters worse, the interest this payment supposedly went towards never even went down on any of the loans. Looking on my account statement and payments history it doesn't show where my payment even went, just says 'Interest ' and doesn't show specifically where it was used even though it does show the loan I chose. I waited two months before placing this complaint thinking it was just needing time to show correctly, that doesn't seem to be the case. Now, I just made a payment with my fourth lender which doesn't make any sense as to where the money went and why it was not applied to principal like my financial advisor states it should after the interest is gone. My financial advisor had suggested the snow ball method in that I would begin knocking out my smaller loans first then go after the larger ones, doesn't seem to matter if these companies are just going to pocket my money and not actually apply it to my balance. I tried to contact the company however, the phone lines are always busy ( they don't have email ) and I have to wait on hold until they close while talking to an automated system. Is it too much to ask for a transparent bill or receipt that spells out everything and actually shows what we are paying on, where the money is actually going? I'll be reporting this mess to the attorney general as well, just can't take this constant billing error problem with every lender I've ever been through with my student loans. And it's always the same way as this one, take the payment and have no clue where the payment actually went, but we received your payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 65109
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: Back in XXXX, I enrolled aXXXX XXXX XXXX XXXXXXXX University to major in XXXX. in XXXX. I was number # XXXX of my graduating class from XXXX XXXX XXXX High School with a 3.6 GPA. In the beginning, I was allowed to attend the school for free through merit, but I even explained to the school that both of my natural, birth parents were deceased, my mom died in XXXX and I just went to court to determine who would obtain custody rights for myself. In XXXX, my brother 's father was granted custody of me as my legal guardian. Therefore, I should've went to school for free regardless! However, I was a scholarship student and I received a low grade in Public Speaking. From there, I was stripped of my scholarship at that time. Then I had to get student loans. Since that date until now, my credit as been jacked up tremendously and I'm unable to fully live the American dream. Now, years later, I'm still trying to undue all this mess. I currently work at XXXX XXXX XXXX XXXX since XXXX, so the majority of what's due should be paid down by me being a county employee under the PSLF. However, the date keeps resetting and is currently saying XXXX. I used to have the IDR plan, but I recently changed it to the SAVE plan. Documents I received from Mohela and what I'm being told is two different things.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A