Student loan -- Dealing with your lender or servicer -- Complaint #5987270
Complaint Overview
Complaint ID: 5987270
Company: Mohela
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-Issue: Received bad information about your loan
State: Tennessee
ZIP Code: 38016
Date Received: 2022-09-15T12:00:00-05:00
Date Sent to Company: 2022-09-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Mohela has provided a shockingly low payment count for my PSLF waiver. They have only counted 2 payments outside of the Covid forbearance period. I have been employed in public service XXXX. Mohela disqualified 6 payments, claiming they were " outside acceptable timeframe '', contrary to what the pslf waiver says. They did not count 3 large, lump-sum payments ( over {$5000.00} ) made by the department of defense that should have been counted for multiple months. They did not count a {$10000.00} payment I made in XXXX of XXXX ; which should have counted for up to a year, for even a single qualifying payment. They provided me records of these payments recently, so I know they are aware of them and I believe they ignored them on purpose. I was also on XXXX military deferment from XXXX of XXXX until XXXX of XXXX but none of these months were counted. Mohela confirmed this deferment but did not count these months. Finally, since XXXX of XXXX I was placed on forbearance for 43 months consecutively and 45 months cumulatively. I was not given credit for any of these months. During the periods when I was being placed on these forbearances I was repeatedly steered away from income based plans in writing and over the phone, leaving me with monthly payments that would have been over 25 % of my net income. On Mohela 's Limited PSLF Waiver page it simply says periods of forbearance and deferment do not count towards the waiver, without pointing out the exceptions for long periods of forbearance or military deferment. I believe this is a deceptive practice designed to keep payment counts lower than they should be. Here are the payments I believe were ignored : - '' outside acceptable timeframe '' : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. -military deferment from XX/XX/XXXX through XX/XX/XXXX XXXX XXXX payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( had I been on income based repayment these would have covered 12 months each ) - {$10000.00} payment made on XX/XX/XXXX -Consecutive forbearance for 43 months ( XXXX XXXX XXXX ), then forbearance again in XX/XX/XXXX and XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #5987270 about?
Complaint #5987270 was filed against Mohela regarding Student loan specifically about Dealing with your lender or servicer. It was received by the CFPB on 2022-09-15T12:00:00-05:00.
How did Mohela respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Student loan) and describe your issue in detail.
Can I see other complaints against Mohela?
Yes, visit the Mohela company profile at readthecomplaint.com/company/mohela to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.