Student loan -- Dealing with your lender or servicer -- Complaint #8053908
Complaint Overview
Complaint ID: 8053908
Company: Mohela
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-Issue: Trouble with how payments are being handled
State: Washington
ZIP Code: 990XX
Date Received: 2023-12-24T12:00:00-05:00
Date Sent to Company: 2023-12-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I contacted Mohela in XXXX to ensure that I had active in-school deferment. They processed my request and issued a message that my in-school deferment was active. In XXXX, an automatic debit of {$280.00} was taken from my checking account, thereby overdrafting my checking account on the Monday before XXXX. On calling, I was informed that my in-school deferment expired on XX/XX/XXXX, thus my account was in repayment and I was debited on XX/XX/XXXX. I was told that I would need to find and download the in-school deferment form and have my school complete it. I was also told that the refund for this debit would take 7-10 business days to approve and process, and that no overdraft fees would be reimbursed. I asked how my account was setup to autodebit when I had never set this up on my accountnot only did I not sign up for this service, I never provided them with my bank details. They could not tell me how or why this was done without my consent. In fact, the Resolution Specialist requested a copy of my bank statement to show that my account was overdrafted due to this erroneous debit. After XXXX days, my account is still listed as in repayment and I have received no messaging or confirmation that I had been placed on deferment or that my refund is processing. I am concerned that their debiting process will continue to be an issue and I question its legality. I have not had an autodebit for student loan repayment setup since the servicer I had in XXXX. That was XXXX servicers agoI have been moved from XXXX then to Mohela since then.
Frequently Asked Questions
What is Complaint #8053908 about?
Complaint #8053908 was filed against Mohela regarding Student loan specifically about Dealing with your lender or servicer. It was received by the CFPB on 2023-12-24T12:00:00-05:00.
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.