MOHELA

There is a student loan that i never got never applied or received any money and it's been taking a hard hit on my credit for XXXX I would like this fixed asp I have try to call the number no answer I tried to log in on the site with my ssn and bday amd it said no account I need this fixed now it's been going on for XXXX and XXXX XXXX now

This is an escalation of active Case # XXXX. MOHELA has violated consumer law by failing to provide a final response within 60 days of the original filing. Since their interim response on XX/XX/XXXX, they have missed multiple administrative deadlines despite possessing the XXXX XXXX XXXX electronic trace number. They are operating in bad faith. Timeline of Events : XX/XX/XXXX : XXXX submitted an Interest Accrual Payment of {$1200.00} to MOHELA. XX/XX/XXXX : I first contacted MOHELA to report the missing payment. XX/XX/XXXX : I filed my first CFPB complaint due to lack of action. XX/XX/XXXX : MOHELA provided an interim response stating " additional research is needed, '' but never followed up with a final resolution. XXXX XXXX : I contacted MOHELA 's Resolutions Department and supervisors multiple times. They confirmed they have the XXXX XXXX XXXX electronic trace number on file and escalated it to accounting.…

IT HAS BEEN TWO YEARS I HAVE FILED FOR THIS TO BE REMOVED FROM MY CREDIT REPORT YOU HAVE SUPPLIED VALID PAPERWORK THAT THE LOAN HAS BEEN PAID IN FULL. GET IT OFF. NOW.

I requested an official student loan payoff quote from MOHELA in XX/XX/XXXX and relied upon that quote to pay my remaining federal student loan balance in full. In late XX/XX/XXXX, I remitted approximately {$75000.00} to satisfy all outstanding principal and accrued interest reflected in the payoff quote. The payment successfully cleared my financial institution. Despite paying the full payoff amount, MOHELA has continued to display a substantial outstanding balance on my account. The current online balance remains approximately {$26000.00}, even though I was informed by multiple advanced customer support representatives that my account should have been paid in full and that the remaining balance is the result of an internal accounting or ledger issue. When reviewing my account, MOHELA 's website shows multiple loan groups with large negative balances ( credits ) and multiple loan groups with positive balances.…

MOHELA is my current student loan service provider. I had XXXX loans on file with them : a consolidated Direct Subsidized federal student loan and a consolidated Direct Unsubsidized federal student loan. I paid off my consolidated Direct Unsubsidized federal student loan. I am currently paying on my consolidated Direct Subsidized student loan. When making payments on my current subsidized loan, MOHELA is splitting my payments between both loans even though the Unsubsidized loan is paid off. Its results in less payment being made to the loan I am still paying on and the other amount is being stored as credit and not being applied to my unpaid loan. MOHELA had also charged me over {$400.00} for interest on my loans when I was in the SAVE plan and there was a federal mandate that stopped principal and interest charges as well as interest accrual. I have not defaulted on my loans and my interest was paid up at the time.…

In 2024, I was recruited by a sales representative for XXXX ( formerly known as XXXX ), a XXXX XXXX company based in XXXX, Texas. The sales rep was a personal acquaintance, and he verbally promised me that the program included guaranteed job placement and that signing bonuses from employers would allow me to repay the loan quickly. Based on those verbal promises, I took out a private loan through XXXX to pay for the course. I completed the program in full. After completion, I was told to take an additional XXXX course to improve my job prospects which contradicted the original promise of direct placement. My application was then run through an AI job portal and I never received a job placement. I believe I was fraudulently induced into taking out this loan based on false verbal representations made by a sales representative. There are dozens of other students in the same situation with identical complaints, documented on XXXX and the XXXX XXXX XXXX.…

I. INTRODUCTION I hereby submit this formal request for supervisory and administrative review of my federal student loan account in connection with my eligibility for XXXX XXXX XXXX XXXX ( XXXX ), voluntary payments made during the XXXX administrative forbearance period, and entitlement to borrower-favorable corrective relief. This request is made based on my proximity to XXXX discharge eligibility and the substantial payments made under conditions of administrative disruption and evolving program guidance. ________________________________________ II. FACTUAL BACKGROUND My account currently reflects 118 of 120 qualifying XXXX payments During the XXXX administrative forbearance period, I made 47 voluntary payments totaling approximately {$14000.00} These payments were made in good faith while actively pursuing XXXX eligibility The payments occurred during a period characterized by administrative uncertainty, program implementation changes, and evolving borrower guidance I am…

I am respectfully requesting assistance with a federal student loan consolidation that is stalled due to a servicing error between MOHELA and XXXX. I applied for a Direct Consolidation Loan that included all of my Parent PLUS loans, but approximately half of the balance was not included because MOHELA did not provide a complete Loan Verification Certificate ( LVC ) to XXXX or an Underpayment request to XXXX. Timeline : XXXX XXXX : Submitted Direct Consolidation Loan application via XXXX XXXX XXXX, selecting the Parent PLUS loan from XXXX school year. XXXX processed the consolidation and I received notice by XX/XX/year>. ( attached letter from XXXX. ) Never notified ( by XXXX ) that of the loan was not certified by MOHELA / partial payoff amount received. Multiple contacts with both servicers ; each indicates the other must act. MOHELA representatives state they are unfamiliar with the underpayment certificate request and have not reissued a complete LVC.…

I have been trying to setup auto pay to receive a .25 % interest rate on my loans with Mohela since XX/XX/2026. I first submitted an electronic application, which is supposed to process within two billing cycles. After two billing cycles had passed, I called and was told the application was stuck in queue, and I would have to submit a paper application. I submitted the paper application on XX/XX/2026. It has been two billing cycles and I still haven't been enrolled in auto pay nor have I received the .25 % interest rate deduction on my loans. Upon contacting Mohela on several occasions via email, I only received generic responses that did not answer my questions. It seems that Mohela is deliberately delaying auto pay applications to avoid reducing interest rates on loans.

I submitted a request to recertify income for my loans that were in XXXX forbearance using the FSA webpage. I specifically did not check boxes to indicate I wanted to change my repayment plan nor to enter XXXX. See Section XXXX, Item XXXX at https : //studentaid.gov/sites/default/files/IncomeDrivenRepayment-en-us.pdf. I merely checked box I was completing form to recertify my income. While XXXX XXXX has been eliminated, it was an XXXX plan, and I have not yet been required to move to a different plan. I plan to change my loans to the new RAP when that is available ( supposed to be XX/XX/year>. XXXX sent this form to Mohela and Mohela processed this as a request to change my plan to the XXXX plan. This was improper. If the form could be used to change my plan, it includes boxes for that purpose that were not checked. Both XXXX and Mohela have refused to fix this error and continue to proceed despite me not authorizing or requesting the change in repayment plan.…

In XX/XX/XXXX MOHELA recorded my Social Security Number incorrectly at loan origination for my XXXX private student loan account. This error prevented me from accessing my account through any channel including the online portal, new account creation, and the phone verification system for the entire duration of my delinquency. I attempted multiple times to access my account and received error messages stating no account could be found despite receiving billing statements at my address. I submitted a Qualified Written Request via XXXX XXXX Mail on XX/XX/XXXX which was confirmed delivered XX/XX/XXXX. MOHELA never responded in writing within the legally required 30 day timeframe. On XX/XX/XXXX, a MOHELA representative verbally confirmed for the first time that the SSN on file is incorrect. Their recording error prevented me from making payments online, calling in to manage my account, and enrolling in forbearance or hardship assistance programs.…

I refinanced my federal student loans from MOHELA to XXXX on XX/XX/XXXX. As part of the refinance, XXXX sent MOHELA a payoff payment which exceeded my total loan balance by {$2700.00}. According to my MOHELA Account XXXX page on MOHELAs website, a refund occurred on XX/XX/XXXX. As of today, XX/XX/XXXX, this amount has not been received by XXXX. XXXX has instructed me to request proof of payment from MOHELA ( such as images of the front and back of the refund check ) so they could initiate a check trace. I have contacted MOHELA numerous times requesting this documentation. MOHELA has not provided the requested proof of payment. MOHELA has repeatedly provided me with conflicting information regarding the status of the refund. As I mentioned above, my account history on MOHELAs website shows a refund supposedly occurred on XX/XX/XXXX. On XX/XX/XXXX MOHELA said via their messaging portal : Our records indicate that a refund in the amount of {$2700.00}, effective XX/XX/XXXX.…

I am submitting this complaint regarding MOHELAs failure to process my repeated requests to remove/waive my in-school deferment so I may continue making qualifying payments toward Public Service Loan Forgiveness ( PSLF ) . XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have repeatedly contacted MOHELA and submitted documentation requesting removal of my in-school deferment because I do not wish to pause repayment. My goal is to remain on my Income-Driven Repayment ( IDR ) plan and continue making qualifying PSLF payments. Despite multiple contacts and document submissions, MOHELA has failed to timely process my request. I have continued following up through phone calls, portal messages, and complaints submitted through StudentAid.gov. I have specifically explained that these delays may cause loss of qualifying PSLF payment months and create long-term financial harm. The issue is not that I can not pay.…

On XX/XX/year>, I called MOHELA at XXXX seeking help with lowering my monthly student loan payments. Following the automated phone menu, I pressed option XXXX for debt consolidation / lower payment options. I was then transferred by the MOHELA system to a third-party company called XXXX XXXX XXXX ( academic-sc.org ). The representative from XXXX XXXX XXXX informed me that they could help me apply for an Income-Contingent Repayment ( ICR ) plan. They stated I would need to pay a total of {$1300.00}, to be divided into monthly payments. Once the payments were completed, they would prepare and file the XXXX application on my behalf. On XX/XX/year>, I called MOHELA again to follow up. The representative I spoke with stated there was no record of my previous call on XX/XX/XXXX, and no notes indicating that MOHELA had referred or transferred me to any third-party company for assistance with repayment options.…

RE : Missing Loan History Dear CFPB, I am writing to express my serious concern about the missing loan history on my account. I recently accessed my Moehla account and discovered that my payment history and status for my loans have not been reported accurately. Specifically, XXXX is missing when I had periods of payment, deferment, and or forbearance. The missing periods are keeping me from qualifying for Public Service Loan Forgiveness due to this error that has not been corrected by Moehla or previous servicer. I have already contacted the customer service department on many occasions to report this issue but was given no resolution. Therefore, I am formally requesting that you investigate this matter and take immediate action to correct the missing loan history on my account through Moehla. Thank you for your time and attention to this important matter.

Last year in XX/XX/year>XXXX I submitted a request to switch out of the SAVE plan and mohela told me they approved it but then never finalized the switch and it was stuck in the process of switching. I called them in XXXX and they said it would take 90 business days to finalize my application after that point. It has been over 90 business days and I still have no payment and I have still not been removed from SAVE and switched to an approved IBR plan like I requested almost a full calendar year ago. We are almost two months away from having to switch and I still have no plan. I am desperate for them to finally approve my application so I am not stuck in a plan I did not request again.

I am filing a complaint regarding the servicing of my federal student loans and the circumstances surrounding the school I attended. I enrolled in a paralegal program based on representations that the school was reputable, that the program would prepare me for employment in the legal field, and that career services would assist graduates in obtaining jobs after completion. I was also led to believe that the education would provide meaningful career opportunities and value after graduation. After completing the program, I was unable to obtain employment in the paralegal field, and I did not receive the level of job placement assistance that was represented to me during enrollment. Additionally, the school later ceased operating in its original form/closed or merged, which further affected the value and credibility of the education I received.…

On XX/XX/XXXX, I received information from my credit report app that I lost XXXX points and since then it has been steadily decreasing. After looking into the issue, I found out it was because I owe Mohela {$59000.00}. I never once received any information or formal notice that on XX/XX/XXXX, my payments would be disbursed. I also had to create an account with them to be able to see how much I owe etc., I originally thought that it was because they might not have had my information, however, they did as well as my mother who is my co-signer. We both went through all of our emails, phone records, mail etc., and the only thing my mom got was an email in XXXX about changes that were being made to the website. I also reached out to them regarding me possibly getting a repayment plan as I wasn't aware of the payments and they emailed me back saying they reached out multiple times ( which they didn't ).…

I received a letter titled Final Notice about student loan forgiveness dated XX/XX/XXXX. I contacted Mohela and uploaded all of my PSLF documentation accordingly on XX/XX/XXXX. I then spent 4 hours on the phone between Mohela and student aid.gov and was reassured that I didnt need to consolidate my loans because they were all Direct Loans. I was told all of my loans, Graduate and Undergraduate, would be forgiven at the same time. My Undergraduate Loans were forgiven XX/XX/XXXX. I followed up again and was told my Graduate Loans would be forgiven once the deferment ended. Instead, an auto payment is scheduled for XX/XX/XXXX in the amount of {$320.00}. My Graduate Loans should be forgiven.

Date : XX/XX/XXXX Respondent : XXXX XXXX XXXX XXXX Higher Education Loan Authority of MO ( MOHELA ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Award Year XXXX RE : Complaint- Systematic Forbearance Steering in Violation of Federal Servicing Standards I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX now serviced by MOHELA ) regarding the improper and repeated placement of my federal student loans into forbearance rather than income-driven repayment plans. This practice resulted in unnecessary interest accumulation, delayed forgiveness eligibility, and financial harm spanning nearly XXXX decades. Background My federal student loans originated through the XXXX program to attend XXXX XXXX ( later XXXX XXXX XXXX ) in approximately XXXX. These loans were serviced by XXXX for an extended period.…

Since early XX/XX/XXXX, I have had several phone calls with Mohela customer service about an unexplained interest rate increase in one of my student loans. After I graduated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX consolidated a portion of my loans, which resulted in a 4.375 % interest subsidized consolidated loan. I intended to consolidate also the loans I took out during vet school, but was unable because the loan servicer did not have me as having left student status. Thus, I filed again to consolidate my loans. That resulted in a second consolidated loan, which was instead unsubsidized with a weighted average interest rate of 5.5 %. The total amount owed between these two loans was around {$110000.00}. In late XXXX or early XX/XX/XXXX, I logged onto Mohela to make my weekly payment of {$500.00} as part of my repayment strategy, and saw that the interest rate for my subsidized loan suddenly increased to 5.5 % as well.…

My federal student loans were in an approved forbearance status. When the forbearance period ended, MOHELA failed to notify me in any way no letter, no email, no phone call, and no other communication. I received zero notice that payments were resuming and was given no opportunity to make payments or enroll in an income-driven repayment plan before delinquency was reported. I had no knowledge that my account was delinquent until I applied for a mortgage pre-approval for a home purchase. The lender informed me during that process that my credit report showed over 290 days of student loan late payments, which disqualified me from obtaining the loan. That mortgage application was the first time I became aware of any delinquency. MOHELA never contacted me before, during, or after the forbearance ended. The 290+ days of delinquency reported to all three credit bureaus are entirely the result of MOHELA 's failure to communicate with me, not willful non-payment.…

On XX/XX/year>, I received a written correction notice from the U.S. Department of Education stating that I had already received loan forgiveness through PSLF or another federal program and that nothing had changed regarding the forgiveness already received. Current loan servicing records now contradict this official written communication. Despite repeated attempts through servicers, ombudsman channels, and congressional offices, I have been unable to obtain a formal reconciliation of these conflicting determinations.

I initially completed my PSLF application in XX/XX/XXXXXXXX ; however, my records were not updated until XX/XX/XXXX. During that time, I made numerous attempts to contact MOHELA customer service from XXXX through XXXX, but I was repeatedly unable to get through to a representative. When I finally reached customer service in XX/XX/XXXX, we reviewed my account and discovered that the timeline associated with my application was incorrect. Unfortunately, MOHELA representatives could not clearly explain what had happened or why my records had not been properly updated. Over the following weeks and months, I continued contacting MOHELA regarding additional issues with my payment history and account records. My payments appeared to be misaligned, despite my long-term employment with the same qualifying employer and my employment status being certified as eligible. I repeatedly sought clarification regarding these discrepancies, but I was unable to receive a satisfactory explanation.…

Complaint Against : MOHELA ( Missouri Higher Education Loan Authority ) XXXX XXXX Department of Education XXXX XXXX XXXX Subject : Improper Student Loan Transfer Reporting, Inflated Aggregate Debt Reporting, Duplicate or Fragmented Tradelines, Failure to Conduct Reasonable Investigation, and Failure to Provide Adequate Data Breach Notice I am submitting this complaint regarding harmful and potentially inaccurate credit reporting practices connected to the transfer and servicing of my federal student loans from XXXX XXXX XXXX servicing to MOHELA. My consumer reports from XXXX, XXXX, and XXXX reflect numerous active MOHELA student loan tradelines reporting simultaneously with historical transferred XXXX XXXX XXXX tradelines and dispute-related remarks.…

Mohela Over charged me more than {$7200.00} in student loans. I do not owe any money. Mohela owes me the money. I contacted the USA Treasury and they mentioned the money and check is in Mohelas hands. Mohela has to send it. They all kept telling me 90 days, 90 days, ect. Its been 1 year of waiting for my money. I need it. Please help!!!

I am formally disputing the accuracy, validity, and legal reporting of the above-referenced MOHELA student loan account under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This loan should NOT be reported on my credit file for the following reasons : XXXX. The school associated with this loan permanently shut down. XXXX. I never graduated and never received the education or credential promised, they stated I graduated prior to XX/XX/XXXX, I did not. I was still enrolled in classes and was supposed to be assigned an externship site. XXXX. Because of the schools closure, this loan qualifies for Closed School Discharge / Borrower Defense to Repayment under federal student loan regulations. XXXX. Reporting this account as a valid, enforceable debt is misleading, inaccurate, and materially incomplete. XXXX.…

In XX/XX/year>, autopay unexpectedly stopped processing on my student loan account serviced by MOHELA during an account access/login transition involving outdated authentication information. During this time, I was unable to successfully log into the account to manage or verify the autopay status, and I was also unable to get timely assistance from customer support due to extremely long hold times. As a result, the issue was not immediately discovered and the loans became delinquent. Prior to this incident, I had maintained a perfect payment history and had never missed a payment on any account. Once I became aware of the issue, I immediately brought the account current, and the loans have remained current and in good standing since that time. Because the loans are reported as multiple tradelines, this single underlying autopay failure resulted in XXXX separate XXXX late payment reports being added to my credit history.…

During my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXginally had a strong interest in attending XXXX XXXX XXXX. However, due to the high costs associated with attendance, I made the rushed decision to enroll at XXXX XXXX instead. After the academic terms had already concluded, I completed the XXXX XXXX and arrived at the XXXX on XX/XX/XXXX, accompanied by my father and my aunt, in order to finalize all necessary arrangements. Upon arrival, university representatives requested that both my father and I complete several documents ; however, the documents were not properly explained to us before being signed. Following this process, my father proceeded to make all payments related to my education expenses personally, without scholarships or financial aid assistance.…

On XX/XX/year>, I submitted an Income-Based Repayment Plan recertification application that was approved and processed on XX/XX/year>XXXX for a monthly payment amount of XXXX. On XX/XX/year>, I received a notice that my payment schedule and amount was changed to XXXX due on XX/XX/year>XXXX justification. I never requested any additional changes to my repayment plan. This change will cause an undue hardship on my financial situation and I am unable to make those payments. I fully qualify and provided all the documentation on my initial application that was approved on XX/XX/year>XXXX so I do not understand why the change.