Consumer complaint received 2023-01-12
Company: MOHELA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The following ( see copied letter below ) is my response to MOHELA which I submitted to them today ( XX/XX/XXXX ) in response to their very inadequate letter of XX/XX/XXXX responding to the initial complaint I filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. They still have not proceeded with total forgiveness of my federal student loans even though I have provided them with substantially more information than they should ever have needed under the rules of the XXXX XXXX XXXX XXXX XXXX and now I have provided them with even more backup information about my eligible public sector employers to deal with their XX/XX/XXXX response. CFPB, please, please, please help me to get them moving and finally process my student loans for total forgiveness as they are supposed to do!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX To Whom it May Concern, I received and reviewed the letter provided from MOHELA in response to my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX over the continued hurdles and possibly illegal delays from MOHELA in processing my student loan forgiveness application in full. As outlined in my prior letter from XX/XX/XXXX I have already been approved for XXXX XXXX Qualifying Payments out of a total of XXXX Eligible Payments under the XXXX XXXX XXXX XXXX program. You ( MOHELA ) have stated that my time working for the XXXX XXXX XXXX from XXXX to XXXX was currently not counted and provisionally denied because the XXXX of the XXXX XXXX XXXX signed the original employer verification form with an electronic signature instead of a hand-written signature. You, ( MOHELA ) stated in your XX/XX/XXXX letter response to my CFPB complaint that : In order for your time with this employer to be considered for XXXX, MOHELA requests that you submit a corrected PSLF application with your authorized officials hand signature provided in section XXXX, so that the employers eligibility may be reviewed further through the XXXX Employer Adjudication process. 

In response, I reached out to the Executive Director of the XXXX XXXX XXXX, XXXX XXXX, and asked him to hand sign section XXXX of the form as you requested. The hand-written re-signed form is being attached with this letter of correspondence and uploaded into the MOHELA website via my online account to meet your request. Additionally, Executive Director XXXX XXXX signed a letter summarizing and attesting to and confirming my employment at the XXXX XXXX XXXX from XXXX to XXXX and that the XXXX is a public sector agency per XXXX XXXX XXXX ( see attached and hand signed letter from XXXX XXXX XXXX dated XX/XX/XXXX ). I will remind you that the XXXX XXXX XXXX is legally established as a political subdivision of the State of XXXX  and provides county planning services to the XXXX municipalities in XXXX XXXX, XXXX  as described in XXXX XXXX XXXX. Regional planning commissions ( XXXX ) are political subdivisions of the State of XXXX created by their member municipalities ( XXXX XXXX XXXX ). XXXX provide technical assistance to municipalities, and since the state of XXXX does not have county governments, XXXX act as a link between municipal affairs and state government. 

I will also remind you that I have already provided copies of my XXXX from XXXX, XXXX, and XXXX showing that I was employed by the XXXX XXXX XXXX during the time I was making student loan payments. I have re-uploaded copies of those XXXX once again with this submission. 

All these attachments completely and unambiguously prove that the XXXX XXXX XXXX is an eligible public sector employer under the rules of the XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and that the United States Department of Education should approve all of my time and qualifying student loan payments from XXXX to XXXX when I worked for the XXXX XXXX XXXX and do so without any further delay. 

Additionally, for reasons not yet explained by you ( MOHELA ), my time with the State of XXXX XXXX ( my current employer ) is currently pending review and confirmation of eligibility from XXXX through the Employer Adjudication process. This is absolutely crazy. There should be NO delay on approving this time whatsoever. I have been continuously employed full time by the State of XXXX XXXX  for the last XXXX years as already explained in my prior letter from XX/XX/XXXX. My current boss, XXXX XXXX, hand signed my original employer verification form back in XXXX of XXXX. Being a state employee is quite obviously eligible time under the terms of the XXXX XXXX XXXX XXXX program. 

To make sure that you ( MOHELA ) do not come up with any more ridiculous and possibly illegals delays in the processing my student loan forgiveness, I have attached with this correspondence and uploaded to the MOHELA website via my online account, all of my State of RI paystubs from XX/XX/XXXX to the present time of XX/XX/XXXX ( XXXX pages in a pdf file ) proving my continued full time employment as a state employee with the State of XXXX XXXX for the last XXXX years. I continue to remain employed as a state government employee of the State of XXXX XXXX as of the date of this letter as you can tell from this letterhead as well as the full XXXX years of paystubs ( XXXX pages ) provided to you with this correspondence. You should approve my time and update my Qualifying Payment count to the full XXXX payments immediately. 

As a reminder, my total student loan balance now with MOHELA is {$48000.00}. This is the amount that should now be forgiven in total without delay. In addition to the total loan forgiveness, I am also eligible for reimbursement by the federal government of my overpayments beyond the required XXXX  monthly payments. By my count, I overpaid by a total of {$4900.00} in payments after I had made the required XXXX  monthly payments. So, I should receive at least a refund check in the amount of {$4900.00} in addition to the total student loan forgiveness, if not more. 
Now that you are in receipt of all of this additional information required to fulfill my student loan forgiveness and in response to your letter of XX/XX/XXXX, I demand that the United States Department of Education forgive the remaining {$48000.00} balance of my student loans immediately as required by the College Cost Reduction and Access Act of XXXX ( CCRAA ) and subsequent related congressional legislation and presidential executive orders and reimburse me in the amount of {$4900.00} ( or more ) for my overpayments made above the required XXXX payments. 

I expect my student loan forgiveness request to FINALLY be completely approved and processed with all due haste and without any more ridiculous and unnecessary bureaucratic hurdles. 

Thank you XXXX XXXX, XXXX Supervising Planner XXXX Department of Administration Division of Statewide Planning XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief