Consumer complaint received 2025-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TN

Complaint narrative:
I am a XXXX XXXX XXXX with a XXXX XXXX XXXX and XXXX XXXX XXXX that have brought me XXXX employment in this Covid and post-Covid era. I therefore have been XXXX XXXX XXXX XXXX XXXX for the past 4 years, and paying two loan companies $ XXXX. As for my husband, who has his own student loans to pay, we had a legal pre-nuptial marriage ( for keeping our finances * separate * ) over XXXX decades ago ; and XXXX XXXX XXXX XXXX has been filing us " married, file separately '' every year in one inclusive document. I have had no problem with this situation with either of my loan institutions : XXXX or XXXX ; both of whom told me I needn't pay anything, due to my 'destitute category ' situation. In late XXXX, XXXX changed hands to Mohela ; and Mohela has harassed me mercilessly from the very beginning ; with Mohela sending me a scary letter in XXXX stating I must pay them hundreds of dollars or suffer penalty. I immediately sent them a re-application for Income-Based ( IBR ) payments ; complete with tax copies from XXXX, and explanation of my husband 's and my legal separate finances situation ( costing me {$30.00} for copies and 2nd-day mail ). ( I have uploaded a pic of this letter below. ) Mohela did not accept my 'package ', and followed with sending me harassing emails, letters, and phone calls ( actually, ever since my package date of XXXX XXXX, XXXX. ) So, I re-sent the information package ( dated XX/XX/XXXX ; at another cost of around {$30.00} through XXXX. ) Mohela responded XX/XX/XXXX that my " income documentation '' I provided was " not valid. '' They asked me to re-subnmit - yet * * again * *!! ( But, I am a part-time substitute teacher - I do not work during the 3 summer months, so do not have paycheck stubs within the " past three months ''. ) Mohela has continued to harass me constantly, as - all the while - I was making my ( usual, with XXXX ) $ XXXX. payments without fail; also sending me harassing phone calls when I began working again. 

After my husband and I filed taxes again in XXXX, I re-applied for continuance of IBR payments on XX/XX/XXXX. I included all appropriate tax pages ( we were still filing " married, file separately '' in one document ; as advised by XXXX XXXX XXXX XXXXXXXX ), along with a letter - again explaining our legal pre-nuptial marriage ( separate finances ) situation, ( and another large cost of {$30.00} copies and postage. ) Mohela has again denied my request, stating they are " not able to accept XXXX tax documents from the previous year for processing after XX/XX/XXXX of the current year. '' (???? ) They are asking for * another * re-submission!! Mohela is * clearly * harassing me!! Do they think that, because my husband and I are filing within the same document, that * he * is responsible for re-paying * my * student loans?? Is that why they think I can afford hundreds of dollars of loan re-payment each month?? ( I will surely file * completely separate * next XXXX, to make certain this NEVER happens to me again! I am also tempted to get ahold of my lawyer, because all of this harassment has affected XXXX XXXXXXXX XXXX XXXX nXXXX XXXX I will try to photograph the appropriate documents and upload them below...

Company response to consumer: Closed with explanation