Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
On XX/XX/XXXX I emailed Mohela about my account plan changing without my authorization or recertificaiton. They followed up with me and changed it but then I checked on XX/XX/XXXX and my payment plan was reset to level again instead of Income Contingent Repayment ( ICR ) plan. I emailed them again and I have not heard back. This is very frustrating that my playment plan keeps changing along with the payment amount and that impacts my public student loan forgiveness progress : Subject : Payments or Bills Attachments ( click to open ) : Sent Date : XX/XX/XXXX XXXX AM Body : Your Question : Hello, My account says again that repayment is level when I should be on the Income-Contingent Repayment ( ICR ) Plan. The payment amount is higher than the approved amount again too. Can I be put back on the XXXX plan and have my payments ajusted to the {$170.00} amount that it was? Kindly, Subject : Payments or Bills Attachments ( click to open ) : Sent Date : XX/XX/XXXX XXXX PM Body : Your Question : Hello, My payment plan was on Income Contingent Repayment ( ICR ) but now it says that I am on level repayment. I am not due to recertify until XX/XX/XXXX this year. I have not asked to be removed from the XXXX plan either. Can I be put back on the XXXX plan so that my payments stay the same amount? Kindly, MOHELA 's Response : Thank you for contacting MOHELA, We apologize for any inconvenience this may have caused. Your application for the XXXX plan has been approved. Your monthly payment will be {$170.00}, effective XX/XX/XXXX. Please keep in mind, continued eligibility for this plan must be certified annually. You will receive notification to recertify your eligibility approximately XXXX days before the current plans expiration. 

As of this writing, our records indicate that your account is currently 27 days delinquent with a past due amount of {$4.00}. The next payment is due on XX/XX/XXXX in the amount of {$170.00}. When an account is delinquent, phone calls and/or letters will continue until the account is current. 

We are sending a detailed list of options which may be available to you by separate secure message. Please call and speak to one of our Student Loan Counselors to discuss the options. Contact us toll free at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We look forward to speaking with you soon. 


If you have any additional questions, please contact us toll free at XXXX. Our hours are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, MOHELA Phone XXXX Fax XXXX TDD Dial XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MO XXXX. 

This message, from a debt collector, is an attempt to collect a debt and any information obtained will be used for that purpose. 

MASSACHUSETTS RESIDENTS : If you are struggling with your student loans, please fill out the form located at : XXXX XXXX XXXXXXXX  to get help from the Ombudsman 's Student Loan Assistance XXXX XXXX 

California residents : The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov. 

If you do not want to receive future information of this nature, please unsubscribe or contact customer service at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation