Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MI

Complaint narrative:
I have loans serviced by MOHELA. I have been on XXXX plan forbearance, for months I was charged no interest in accordance to the current federal court rulings. In XX/XX/year> I was issued a letter from MOHELA stating interest will continue to accrue, and as such interest was charged to my loans despite months of no interest accruing. This damaged my credit score by XXXX points. I would like the interest charged to be removed. It is very difficult to contact MOHELA as they have XXXX hour wait times when trying to call with no option to reserve a spot in line with them to call back. I will copy and paste the letter I received below, which will include my account number. 

XXXX TTY Dial XXXX | XXXX ( Toll Free ) | mohela.studentaid.gov Hours of Operation : Monday : XXXX XXXX p.m. XXXX  XXXX  ( XXXX  ) XXXX  : XXXX XXXX p.m. XXXX XXXX : XXXX XXXX p.m. XXXX  XXXX  # XXXX MOHELA is an official servicer of Federal Student Aid, an office of the U.S. Department of Education. 
Learn more at StudentAid.gov @ MOHELA @ XXXX LetterCode : XXXX : XXXX : XXXX : ^XXXX^|XXXX  : XXXX : ^XXXX-XXXX-XXXX^|^XXXX^ XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/year> ACCT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX : Loan Update In an effort to keep you updated on your federal loan ( XXXX ), we have enclosed details about your loan ( XXXX ), including the accrued interest XXXX interest rate, and total balance. The loan ( XXXX ) listed in this letter are currently in forbearance. 
Although no payments are due at this time, interest continues to accrue on your loan ( XXXX ) during the forbearance period. You have the option to pay the interest during forbearance. 
Here are some helpful tips to manage your account : You may cancel the forbearance at any time to resume immediate repayment.

Create an online account and enroll in XXXX. Log in to mohela.studentaid.gov to keep tabs on your student loan balance. 
To obtain the outstanding principal and accrued interest balance on your loan ( s ), log in to your account online at mohela.studentaid.gov.

Pay now vs. later. You are not required to make payments at this time. However, if you can afford to make even some payments, it can save you money down the road and reduce the total amount that you repay.

You remain obligated to pay your loan ( XXXX ), and payments will resume at the end of the forbearance. 
To make a payment, use XXXX of the following methods : Payment Methods There are XXXX easy ways to make your payment : Online : mohela.studentaid.gov Phone : XXXX ( Toll Free ) Mail : Include your account number on the check or money order made payable to MOHELA. Send your payment to : XXXX Department of Education MOHELA XXXX XXXX XXXX XXXX XXXX, MO XXXX NOTE : Mailing your payment may delay its posting. This could result in additional outreach from MOHELA until the payment posts to your account. All payments must be withdrawn on XXXX. 
financial institutions or XXXX XXXX, and in XXXX currency. 
LOAN INFORMATION Loan Sequence Original Principal Amount Current Balance Interest Rate Unpaid Accrued Interest To Date XXXX {$5200.00} {$5000.00} 0.000 % {$36.00} XXXX {$5100.00} {$4900.00} 0.000 % {$24.00} XXXX {$290.00} {$280.00} 0.000 % {$0.00} XXXX {$1800.00} {$1700.00} 0.000 % {$0.00} XXXX {$5500.00} {$5300.00} 0.000 % {$15.00} XXXX {$7000.00} {$6800.00} 0.000 % {$21.00} Unpaid Accrued Interest To Date : The total amount of unpaid interest as of the date of this letter. 
Beware of scams. You never have to pay a fee for help with your federal student aid. If you have questions or concerns about your loan payments, you can contact MOHELA for free help through mohela.studentaid.gov or by calling XXXX ( XXXX XXXX ). You might be contacted by a company via phone, email, or postal mail saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. Make sure you work only with the XXXX Department XXXX XXXX loan servicers, like MOHELA and never reveal your personal information or account password to anyone. Learn to avoid student aid scams. Our emails to borrowers come from XXXX or XXXX. You can report scam attempts to the Federal Trade Commission by calling XXXX or visting reportfraud.ftc.gov. 
This message, from a debt collector, is an attempt to collect a debt and any information obtained will be used for that purpose. 
California residents : The state XXXX Fair Debt Collection Practices Act and the XXXX Fair Debt Collection Practices Act require that, except under unusual circumstances, XXXX XXXX not contact you before XXXX a.m. or after XXXX p.m. They XXXX not harass you by using threats of XXXX or arrest or by using obscene language. XXXX XXXX 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 judgement. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or ftc.gov. 
Massachusetts residents : If you are struggling with your student loans, please visit mass.gov/ago/studentloans to get help from the Ombudsman 's XXXX XXXX Assistance XXXX XXXX

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