Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I have a XXXX loan that I reported with federal student aid case XXXX because late fees and amount charged needed to be waived and had an XXXX plan paying XX/XX/XXXX Monthly payment {$60.00} XX/XX/XXXX XXXX  sends an email that Mohela is servicing my loan. 
Email : We'd like to introduce you to MOHELA. 
This fall, MOHELA will begin servicing your student loans instead of XXXX more than XXXX  years of experience, MOHELA is committed to providing you a first-rate customer experience. 
Good news - no action is needed and not much is changing. 
Servicing transfers are a normal business practice that happens from time to time- you'll simply be working together with MOHELA, instead of XXXX, to manage your student loans.\n\nHere are a few things that will stay the same : XX/XX/XXXX Called XXXX that I do not want Mohela servicing since I have an XXXX plan I am paying into. XXXX XXXX tax documents sent! Monthly payment {$80.00} ( Recertified ) XX/XX/XXXX Monthly payment {$80.00} XX/XX/XXXX Email You'll have a new student loan servicer in XXXX. 
We recently let you know that MOHELA will begin servicing your student loans instead of XXXX. Remember, not much is changing - your loan terms, interest rate, account number, and any benefits will stay the same. 
There's nothing you need to do now. 

XX/XX/XXXX {$80.00} XX/XX/XXXX called XXXX and was assured nothing would change with the servicer and that I would be paying the same monthly payment {$80.00} Recertification sent ( XXXX income tax documents already on file ) XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX PAYMENT INCREASE!!! {$480.00} Tried contacting XXXX XXXX rep at XXXX/Mohela XX/XX/XXXX XXXX INCREASE!!! {$480.00} Tried contacting : XXXX XXXX XXXX XXXX XXXX XXXX Connected to random person XX/XX/XXXX was told the amount would be corrected but I am not seeing the change XX/XX/XXXX sent another recertification of all documents XX/XX/XXXX How can this be my payment {$1700.00}? This is ridiculous and called to tell them this is wrong. Im supposed to only be paying {$80.00} per month Now I am asking them to fix my account so that the monthly reflects {$80.00}. 
XXXX/Mohela tacks on the absorbitant amount as well as late fees since. 
Applied to defer loan but they keep pushing for forbearance ( as this was the only mentioned by reps ) from XX/XX/XXXX, but they are accruing those large monthly fees {$480.00} as well as late fees. XX/XX/XXXX my payment due is {$1400.00}. XX/XX/XXXX my payment due is {$1500.00} ( increased by {$120.00} ). XX/XX/XXXX my payment due is {$1700.00} ( increased by {$120.00} ). XX/XX/XXXX my payment due is {$1800.00} ( increased by {$100.00} ). My monthly payment has accumulated incorrect amounts and varied. Its predatory because I am now not getting my monthly payment due emails nor able to get the help I need for the corrections that should take place as well as only being offered a forbearance option when I qualify for XXXX already. Pretty much they are saying accrue all incorrect high monthly charges, late fees and interest and go into forbearance which I can not do because its wrong! 

They havent confirmed that all retroactive charges and fees are corrected. I was emailed that my monthly would stay the same and it hasnt even after being in XXXX and recertifying. I need my account fixed and late charges taken off so that my account can be brought to current. 

Since this is happening, credit report scores have plummeted. I was in good standing and paying on time until this happened and they werent fixing the problems with the very high monthly charge, late fees and interest added. My income doesnt allow $ XXXX a month payments, so I should be an IDR.

Company response to consumer: Closed with explanation