Date Received: 2023-10-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I requested to have the payments I made during Covid-19 refunded. They refunded my payments, however they refunded the Government over {$12000.00} back from Student Loan Repayment Program I was enrolled in with Ohio XXXX XXXX XXXX. On XX/XX/XXXX I called MOHELA to go over this and its over 1 month later and I havent gotten 1 update from them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I switched from the PAYE plan to the SAVE plan. MOHELA only put half of my loans into an administrative forbearance. The other half still had a payment due under the PAYE plan. I tried to reach MOHELA by phone and by email and could not get through. All of my loans were then put on the SAVE plan, with a payment more than 30 % lower, and MOHELA still took the higher payment from me through an auto debit system that would not allow me to cancel the payment. They continue to fail to answer my customer service inquiries. In my view, MOHELA has essentially stolen money from me in this way, because the SAVE plan would have otherwise resulted in forgiveness of the interest that wasn't due, and they miscalculated my payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I have Witnessed of inaccuracy and violation of Family Educaton Rights and Privacy Act of 1974 a closed and open accounts on my credit report, regarding on Account/Reference No. : XXXX. are in trespass of XXXX XXXX XXXX and his private information. Under the Family Education Rights and Privacy Act of 1974 there was a violation on MOHELA/DEPT OF EDUCATION closed/Open account which discloses reported Transactions History to XXXX, XXXX, and XXXX XXXX which I did not consent too. It is Illegal to report Transaction History According to the Privacy Act of 1974. Which is a violation with the Consumer Financial Protection Bureau. I am requesting MOHELA/DEPT OF EDUCATION -to remove/ Delete any and all Transaction History According to the Family Education Rights and Privacy Act of 1974, and inaccuracy Circle on credit report on Account XXXX XXXX.with XXXX, XXXX, and XXXX or I will be forced to report you to Consumer Financial Protection Bureau. " " send me 1099 for this item for my tax purposes because my accounting is Requesting it because they saw it on my credit report as a closed. I would greatly appreciate all your help. 20 USC 1232g ( 1 ) ( A ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. If any material or document in the education record of astudent includes information on more than one student, the parents of one of suchstudents shall have the right to inspect and review only such part of such material or document as relates to suchstudent or to be informed of the specific information contained in such part of such material. Each educational agency or institution shall establish appropriate procedures for the granting of a request by parents for access to the education records of their children within a reasonable period of time, but in no case more than forty-five days after the request has been made. ( B ) No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review theeducation records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section. ( C ) The first sentence of subparagraph ( A ) shall not operate to make available to students in institutions of postsecondary education the following materials : ( i ) financial records of the parents of the student or any information contained therein ; ( ii ) confidential letters and statements of recommendation, which were placed in the education records prior to January 1, 1975, if such letters or statements are not used for purposes other than those for which they were specifically intended ; ( iii ) if the student has signed a waiver of the students right of access under this subsection in accordance with subparagraph ( D ), confidential recommendations ( I ) respecting admission to any educational agency or institution, ( II ) respecting an application for employment, and ( III ) respecting the receipt of an honor or honorary recognition. ( D ) A student or a person applying for admission may waive his right of access to confidential statements described in clause ( iii ) of subparagraph ( C ), except that such waiver shall apply to recommendations only if ( i ) the student is, upon request, notified of the names of all persons making confidential recommendations and ( ii ) such recommendations are used solely for the purpose for which they were specifically intended. Such waivers may not be required as a condition for admission to, receipt of financial aid from, or receipt of any other services or benefits from such agency or institution. ( 2 ) No funds shall be made available under any applicable program to any educational agency or institution unless the parents of students who are or have been in attendance at a school of such agency or at such institution are provided an opportunity for a hearing by such agency or institution, in accordance with regulations of the Secretary, to challenge the content of such studentseducation records, in order to insure that the records are not inaccurate, misleading, or otherwise in violation of the privacy rights of students, and to provide an opportunity for the correction or deletion of any such inaccurate, misleading or otherwise inappropriate data contained therein and to insert into such records a written explanation of the parents respecting the content of such records. ( 3 ) For the purposes of this section the term educational agency or institution means any public or private agency or institution which is the recipient of funds under any applicable program. ( 4 ) ( A ) For the purposes of this section, the term education records means, except as may be provided otherwise in subparagraph ( B ), those records, files, documents, and other materials which ( i ) contain information directly related to a student; and ( ii ) are maintained by an educational agency or institution or by a person acting for such agency or institution. ( B ) The term education records does not include ( i ) records of instructional, supervisory, and administrative personnel and educational personnel ancillary thereto which are in the sole possession of the maker thereof and which are not accessible or revealed to any other person except a substitute ; ( ii ) records maintained by a law enforcement unit of the educational agency or institution that were created by that law enforcement unit for the purpose of law enforcement ; ( iii ) in the case of persons who are employed by an educational agency or institution but who are not in attendance at such agency or institution, records made and maintained in the normal course of business which relate exclusively to such person in that persons capacity as an employee and are not available for use for any other purpose; or ( iv ) records on a studentwho is eighteen years of age or older, or is attending an institution of postsecondary education, which are made or maintained by a physician, psychiatrist, psychologist, or other recognized professional or paraprofessional acting in his professional or paraprofessional capacity, or assisting in that capacity, and which are made, maintained, or used only in connection with the provision of treatment to the student, and are not available to anyone other than persons providing such treatment, except that such records can be personally reviewed by a physician or other appropriate professional of the students choice. The contract purchase by MOHELA/DEPT OF EDUCATION negotiable promissory note issued by Lender as evidence of a floating indebtedness considered a Certificate of indebtedness which is income and can not be reported on credit report as transaction history, MOHELA/DEPT OF EDUCATION purchased the account/ contract referenced above from XXXX XXXX or another third party .certificate of indebtedness that specifies obligations of the borrower to the holder of the bond. When the contract was purchased by the Buyer MOHELA/DEPT OF EDUCATION from ( Original Creditor ) the seller which is XXXX XXXX XXXX the contract was securitize by the seller/creditor XXXX XXXX without written consent and disclosure, which is Security Fraud for selling my contract to another lender XXXX XXXX, which was purchased by MOHELA/DEPT OF EDUCATION which voids out the contract with Original Creditor for the breach of contract of the Electronic Funds Transfer Act of 1978 by not getting consent or disclosure of multiple Electronic transfers from Authorized Agent within contract XXXX, XXXX XXXX doing business as XXXX XXXX XXXX and was not given notice of Electronic Transfer of the bond/contract/Certificate of indebtedness to another Organization with out my consent and disclosure of electronic transfers activities between the two organizations/companys seller Original creditor ( seller ) XXXX XXXX and buyer MOHELA/DEPT OF EDUCATION. An error under Electronic Fund Transfer Act ( EFTA ) of 1978 Due To Security Fraud and Regulation E includes any of the following : An unauthorized ( EFT ) Electronic Fund Transfer. An incorrect EFT to or from the consumer 's account. The omission from a periodic statement of an EFT to or from the consumer 's account that should have been included, their was a violation due to the Electronic transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) of 1978, violation of disclosure of contract. 15 USC 1681 ( i ) ( a ) ( 1A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Remove MOHELA/DEPT OF EDUCATION due to, violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934 and inaccuracy of information on my credit report on XXXX reporting account type as Collection and XXXX reported as open Account on credit report. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I am requesting MOHELA/DEPT OF EDUCATION to Delete any and all Transaction History due to Privacy Act of 1974 and inaccuracy information on XXXX XXXX XXXX Credit report According to the Privacy Act of 1974 on Account # XXXX. with, XXXX, XXXX and XXXX or I will be forced to report you to Consumer Financial Protection Bureau and make a complaint to XXXX XXXX XXXX " 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. The financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish Private Transactions of history of any information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6809 ( 4 ) ( a ) Non Public Personal information- A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of USC title 15. ) 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out any and all authorization I XXXX XXXX XXXX the consumer may have given you written and unwritten verbal and non verbal per 15 USC 6802. I am requesting MOHELA/DEPT OF EDUCATION to delete any and all Transaction History due to the privacy act of 1934 and inaccuracy circle on credit report on Account # XXXX. with XXXX, XXXX, and XXXX or I will be forced to report you to Consumer Financial Protection Bureau with a civil money penalty {$1000.00} per violations, I wish for your company not to be in dishonor, but if so I have no choice but to sue and file a complaint with the XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am having major issues making payments. My first payment was due on the XXXX of XXXX and when I made the payment, it pended for 5 days before being reversed and I was told my bank account could not be found. So, I deleted the bank account I had on file and reentered it diligently and remade the payment after XXXX first and was past due. I do not have the dates for this since and MOHELA does not keep record of payments that have been reversed. So after I reentered my bank account info I made 2 separate payments on XX/XX/XXXX. One for {$58.00} and one for {$25.00}. I then a few days later received a message saying my payments were reversed and I was still past due. I checked again this morning and now my account is saying those payments were accepted however nothing has pulled from my account and the notes of the reversal are gone. This company has terrible customer service and I can not get ahold of them
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: 09/27/23 : Income-Driven Repayment Application submitted with spouse 's financial information. The online form versus the PDF " copy '' included different questions and information. XXXX : Mohela sent a billing statement for {$2400.00} on Standard Level Plan. My IDR application is still pending. XXXX : Dear Mohela, My husband and I submitted an IDR application last week via your website. My payment currently states that it is due on XXXX for approximately $ XXXX. We are concerned about the time it will take to process the application because we can not pay that amount. We are trying to get a mortgage and have been denied due to the current monthly amount Mohela states I am required to pay. We are further worried that non-payment of the {$2500.00} will go on our credit report, causing further challenges in our ability to have a home and start a family. We are also concerned because the application that was filled out online vs. the PDF " copy '' had different questions. In fact, there were many questions that were on the PDF " copy '' that were not asked in the website version. This also concerns us in that it may lead to an unjust denial of other repayment options, at no fault of our own. My husband put in his information regarding the approximately {$160000.00} in loans he owes and his income, given that I am currently unemployed. XXXX. What is the estimated timeframe for application decisions? XXXX. If the application either isn't reviewed in time or there are complications with the application by XX/XX/XXXX, how will Mohela address this? We sincerely hope it won't just continue charging us while these very important things are held in limbo. Thank you for your time. XXXX XXXX XXXX : Received a generic and confusing correspondence from Mohela that stated, " WHY WE ARE CONTACTING YOU Your recent request has been received and is expected to be processed within the next XXXX business days. ACTION BY MOHELA We will review your request and the details of your loan information to determine if the request will be approved, denied for reasons such as not meeting eligibility requirements or the information provided to us is incomplete, or if the request required further review by Federal Student Aid ( FSA ). Notification will be sent to you after your request has been processed. ACTION BY YOU If your loan ( XXXX ) are suspended through another forbearance or deferment and you are not due for payment, no action is required at this time. However, if your loan ( XXXX ) are in repayment, payment ( XXXX ) remain due, and if you are participating in Auto Debit, this remains active. Should your request be denied due to incompleteness, provide the necessary information to us by mail, fax, or upload on mohela.com. If the denial is due to ineligibility and you believe your eligibility has changed, you may reapply by completing and submitting a new request. Please be on the look-out for notification from us for the approval, denial or if the request has been forwarded to XXXX for review. '' My application is still pending and actively due. XXXX XXXX Dear Mohela, I am writing to you today to request administrative forbearance for my loans due on XXXX XXXX XXXX days from today ). I am requesting this because on XXXX I submitted an IDR application, which included my husband 's loan and income information. Since then, the only correspondence I've received from Mohela was a message stating that it would take XXXX ( XXXX ) days to process. Despite this, my account still states that a whopping {$2500.00} is owed on XXXX This will not be paid because we can not afford it. Because of this, I request to be placed on administrative forbearance until the application is successfully processed and a feasible monthly payment is determined. Thanks. Sincerely, XXXX XXXX XXXX : I logged into my account where there was a generic/unaddressed window that said : Prepare for Student Loan Payments to Restart " You are currently on an income-driven repayment plan. If your payment is not affordable, you can have your payment recalculated or switch to a different IDR plan at any time. '' This was not an official message to me, so I checked my Mohela account and it still stated that I was on the Standard Level Plan with {$2400.00} due on XXXX XXXX Dear Mohela, I'm writing to you again because my IDR application is still pending and I have not been placed on administrative forbearance, despite payment being due on the Level Plan in XXXX ( XXXX ) days for {$2500.00} on XX/XX/XXXX. This is very concerning. I'm asking again, please place me on administrative forbearance. There was a message when I first logged in stating I was on IDR, yet none of my repayment information is consistent with that. I have received nothing. I understand Mohela is bogged down, but this is ruining lives. Please place me on administrative forbearance while the application is pending. Sincerely, XXXX XXXX XXXX : Dear Mohela, I submitted an IDR application in XXXX and it is pending, yet my account still states I must pay {$2500.00} on the Level Plan in XXXX DAYS. I have requested administrative forbearance multiple times, in addition to the Department of Education advising student loan lenders to place pending applications on administrative forbearance. I demand that action be taken on this matter. If it is not taken prior to being charged the current egregious amount on XX/XX/XXXX, I will seek legal counsel. This will arbitrarily ruin my credit and place even more financial stress on me and my family. Please place my account on ADMINISTRATIVE FORBEARANCE. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Mohela has not updated my PSLF payment accounts correctly after a year of waiting. There were two different loans on the account, unsubsidized and subsidized, and one was updated and forgiven, and one was left with no updated payment counts. When student loans have entered back into repayment ( which should not happen for me because these loans should be forgiven ), Mohela 's delay and incompetence has caused my loans to enter into repayment. As a matter of principle, I refuse to make another payment on the account because the loans should be forgiven in full. In order to gain more time for Mohela to do it's job ( which I have no faith they can do ), I submitted a forbearance request because I am not paying them another dime. However, as of XX/XX/XXXX, they gave me a letter that stated " sorry, we're not able to process this for 90 more business days, during which time you will be responsible for paying your loan. '' This is absolutely unacceptable and incompetent. My loans should have their payment counts already updated. My loans already should have been forgiven. While having to wait on this delay, it should not take 90 days for them to pause their own payment process and substantially negatively impact my family. Mohela has consistently done the wrong thing every single time given the opportunity in the past two years for both myself and my husband. He's had to file XX/XX/XXXX complaints, a CFPB complaint, and a complaint with his US Representative against this company. Their contract needs to be canceled and their company fined for mismanagement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have copied and pasted the last message I sent them. In addition, I have called more than 4 times since the beginning of XXXX. Each time I have called, the wait time average is 3 hours. When I finally reach someone after hours, they either do not know how to help or have given me incorrect information. My latest message sent today, XX/XX/XXXX : Hello, I requested that the involuntary forbearance that was put on my account be removed -- it is still there, and then it caused my IDR to be denied. I also requested the Graduated Extended Repayment Plan in XXXX, and that has not been processed. I also submitted a Death Certificate for the co-signer of some loans, and that is showing as " processed, '' but no adjustments have been made. Please : Remove Forbearance status Resubmit IDR Process Graduated Extended Repayment Plan request Process Death Certificate I have called numerous times, with 3-hour wait times, to explain this situation, but no one has been able to help me. I need some options. At this point, I am begging for help. I have a very serious life-threatening medical condition, and this process has been very stressful.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was switched to MOHELA for student loans and they have been very challenging to work with. No customer service. I have tried calling them over 10 different times and been put on hold over 2 hours and no answer. They charged a late fee without giving me a deadline on my loans or explaining that I would have all different due dates which is very challenging. I also have sent complaint messages on the app and no response and they said 1-2 days it would take and I have done that twice in the past week. No one will call me to confirm amount I am going to pay and my auto debit. I continue to try and address them with them and no luck.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 559XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I paid off all Mohela loans in XXXX, 2023. My online account shows that I have a balance and have a past due amount.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My loans were completely forgiven through the IDR adjustment on XX/XX/XXXX. MOHELA sent me a letter on this date to that effect, and both my MOHELA and studentaid.gov accounts show a {$0.00} balance as of that date. I filed disputes with all three credit bureaus on XX/XX/XXXX, as I was not seeing any movement of the {$260000.00} balance on my credit report and I am trying to buy a home in the near future. However on XX/XX/XXXX, I received notices from all three credit bureaus saying that MOHELA had affirmed the debt, the information had been verified, and my disputes were closed. I am dumbfounded. It has now been two months since my loans were forgiven, and theres no reason anyone at MOHELA should be telling anyone anywhere that I owe them XXXX, much less {$260000.00}. How can it be legal for a representative of the government to lie on its behalf?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A