Consumer complaint received 2025-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/XXXX I was forced into enrolling into XXXX XXXX XXXX. Upon enrollment I was assigned a XXXX XXXX adviser by the name of XXXX XXXX whom gave me inaccurate information about XXXX XXXX. I let her know that I was not very knowledgeable about financial aid and she stated she would assist me with the application. I let XXXX know several times that I didnt want to have XXXX XXXX especially since I am a XXXX XXXX trying to provide for my kids.XXXX  reassured me that I wouldnt have any XXXX XXXX debt throughout this process. XXXX instructed me on what to put when applying and when I asked questions she would make threats of having me removed from the school and I wouldnt be allowed to re enroll. She also would get upset when I asked my family on their opinion about the things she would tell me to put on the application. Once the application was submitted she sent me a letter with the price of the program stating that the program would be {$10000.00} instead of {$18000.00} since I was doing it online. She then let me know that I received a XXXX XXXX which covered {$9000.00} of the program price so I would only have to pay the remaining balance which she stated thats where a small XXXX XXXX amount would come in for {$1000.00} and if I wanted to opt in for the remainder of the loan paid to be sent back it would cover the repayment of the {$1000.00}. Not knowing that was all a lie I thought that was a great option since I didnt want debt I agreed. After finishing the program and graduating a year later in XXXX of XXXX I received a email from models stating my XXXX XXXX havent been repaid and is now delinquent. I immediately went to their website to see what they were talking about and I realized the school misguided me into applying for a subsidized and unsubsidized loan which came out to {$9000.00}. The past few months I have been trying to contact the school and the services mohela to get information so I could figure out how to get it resolved. Neither the school nor mohela have any records of the account when using my information which is attached to the student loans. XX/XX/XXXX I decided to start my home buying process and the student loans were brought up. I didnt know the loans were broken down into 5 separate accounts which it shouldnt be since its only from one school. I was instructed by the broker to contact the school and mohela to get a letter stating that the loans are in fact from the XXXX month program, however the school stated they had no records of me attending the school online when I have a diploma, transcripts and enrollment letter. Mohela again couldnt access the account without my ssn and the phone number associated with the account. I have tried to speak with mohelas customer service team to resolve this issue and they refused to speak with me about anything regarding the XXXX XXXX debt. This is a very frustrating matter that is starting to cause financial hardship for me. The customer service representatives with mohela have been threatening me that if I continued to call to get information about the account they would put in a order to have my funds garnished from my paycheck ensuring I am in a financial hardship as well as taking my tax return. I have used the savings I was saving for my home buying process to pay off XXXX of the accounts, however I am still receiving emails from the XXXX  that my students loans are delinquent due to me not making payments. I have paid a total of {$1000.00} to the servicer in the last few weeks just to still receive emails stating that I have not made any payments.

Company response to consumer: Closed with explanation