MOHELA: $3000+ payment taken from bank but not showing on account. No confirmation. Help!

I found a way to solve missing MOHELA student loan payment, watch this: https://www.youtube.com/watch?v=iOw3oFx2cNk

Ugh, that sucks! I've had similar issues with MOHELA before. Have you tried calling their customer service? Be prepared to wait on hold for like an eternity tho 🙄

I found a method to get someone on the phone. I used this site's (claimyr.com) calling tool that dials the phone menu, stays on hold, waits for a live agent to pick up, then sends the call to my phone. It does cost $20, but it works. Here's a video about it: https://youtu.be/kfgsWnbb8cU

This happened to me last year! Here's what you need to do: 1. Document everything. Print out your bank statement showing the withdrawal. 2. Take screenshots of your MOHELA account showing no payment. 3. Write down all the times you've tried to contact them. 4. Send a certified letter to MOHELA explaining the situation and demanding they apply your payment. 5. If they don't respond within 30 days, file a complaint with the CFPB. It's a pain, but you gotta be proactive with these guys. Don't let them keep your money!

have you checked your spam folder for the confirmation email? sometimes mohela's emails end up there for me

Man, I swear these loan servicers are the worst. It's like they're purposely trying to screw us over. 🤬 Hang in there, OP!

Quick question - did you make the payment through MOHELA's website or did you do a bank transfer? If it was a bank transfer, sometimes it can take a few extra days to post.

Not to freak you out, but you might wanna check if there was any fraud on your account. I've heard stories of people's payments getting redirected. Might be worth giving your bank a call too, just to be safe.

bump for visibility. good luck OP!

This is so stressful! I had a similar situation with MOHELA last year where a $2,400 payment disappeared for almost 3 weeks. What finally worked for me was escalating through their complaint process - I filed a complaint through their website AND called their escalation line (different from regular customer service). The escalation team was actually helpful and found that my payment had been "stuck" in their system due to some processing error. They applied it retroactively and even waived the late fees that had accumulated. Don't give up - that's YOUR money and they need to account for it!

Holy cow, $3000+ is a lot of money to just disappear! 😱 I feel for you - I've been through payment nightmares with MOHELA before too. One thing that helped me was logging into my online account and checking the "Payment History" section really carefully - sometimes payments show up there even when they don't appear on the main dashboard. Also, if you have your bank statement handy, try to match the exact amount and date when you call them - having those specific details ready made a huge difference when I had to dispute a missing payment. Really hope you get this sorted out soon, that kind of stress is the absolute worst! 💪

Oh my gosh, this exact same thing happened to me about 6 months ago with a $2,800 payment! It's absolutely terrifying when that much money just vanishes. Here's what I learned from my nightmare experience: First, definitely check if MOHELA has any "system maintenance" notices on their website - sometimes payments get delayed during those periods but they don't always tell you upfront. Second, when you do get through to someone (and you WILL eventually), ask them to check for "pending transactions" or "unposted payments" - my payment was sitting in some kind of limbo status for 2 weeks before they found it. Also, don't let them tell you to "wait a few more business days" - a week is already way too long for an electronic payment. Be polite but firm that this needs to be resolved immediately. I ended up having to speak to 3 different representatives before someone actually looked deeper into their system. You've got this - just stay persistent! 🙏

I'm so sorry this is happening to you! Missing payment issues are absolutely nerve-wracking, especially with such a large amount. I went through something similar with MOHELA earlier this year - my $1,800 payment vanished for almost 2 weeks. What ended up working for me was keeping a detailed log of every call I made (date, time, representative name if they gave it, and what they told me). When I finally got someone who could help, having that documentation made them take me more seriously. Also, if you haven't already, try logging in at different times of day - I noticed MOHELA's system sometimes shows different information during off-peak hours vs busy times. And definitely save/screenshot everything you can from your bank showing the payment went through. You shouldn't have to fight this hard for your own money, but unfortunately that's the reality with these servicers. Stay strong and keep pushing - that $3000+ is rightfully yours and they need to account for it! 💪

I'm really sorry you're dealing with this - having $3000+ disappear is absolutely terrifying! I actually work in banking and see this kind of issue more often than you'd think. Here's what I'd recommend: First, get a detailed transaction record from your bank showing the exact routing/account numbers the payment went to - this will help MOHELA trace where your money actually ended up. Second, when you call MOHELA, specifically ask them to check their "exception processing queue" - sometimes large payments get flagged for manual review and just sit there forgotten. Third, if you made the payment near a weekend or holiday, ask them to check if it got processed by a different batch system. I've seen payments get "lost" between their regular processing and their weekend/holiday processing systems. Also, document everything with timestamps - if this goes to a complaint, having detailed records will work in your favor. Don't let them brush you off with "wait 3-5 business days" - at over a week, this is definitely a problem that needs immediate attention. You've got every right to be frustrated, and don't give up until they find your money!

This is absolutely unacceptable! I've been dealing with MOHELA for years and their payment processing issues are getting worse, not better. A few things that might help while you're fighting this battle: 1. Log into your account and download/save a PDF of your current account statement showing the missing payment - sometimes their system updates overnight and you want proof of what it looked like when you first noticed the issue. 2. Call your bank and ask them to provide you with a "trace number" or "reference number" for that specific transaction - this will help MOHELA track exactly where your payment went on their end. 3. If you used a debit card for the payment, ask your bank to do a "payment trace" - they can often see exactly which merchant account received your funds. The fact that you didn't get any confirmation email is a huge red flag. Even when MOHELA's system is glitchy, they usually send some kind of receipt. This sounds like your payment might have gotten stuck in their processing pipeline somewhere. Don't let them make you wait weeks for this to resolve - $3000+ is way too much money to just disappear into the ether! Keep us posted on what happens - rooting for you! 🤞

I'm so sorry you're going through this! I went through something very similar with MOHELA about 8 months ago - a $2,200 payment that just vanished into thin air. The stress and anxiety of having that much money disappear is absolutely awful, especially when you're trying to be responsible and pay down your loans. Here's what I learned from my experience: MOHELA has what they call a "payment research department" that's separate from regular customer service. When you call, specifically ask to be transferred to "payment research" or "payment disputes" - don't let them keep you in the regular customer service queue. These specialists actually have access to different systems and can see pending/stuck transactions that regular reps can't. Also, I found it helpful to call first thing in the morning (like 8 AM EST) when their systems are less bogged down. And definitely have your bank statement ready showing the exact amount, date, and the last 4 digits of the account it was pulled from. The whole thing took about 10 days to resolve for me, but they did find my payment stuck in some kind of "manual review" status and applied it retroactively with no penalties. Don't give up - that money is yours and they absolutely need to account for it! Sending you good vibes that this gets sorted out quickly! 🤞💙

This is absolutely infuriating and unfortunately way too common with MOHELA! I went through something similar last year with a $2,600 payment that disappeared for almost 3 weeks. Here's what I wish someone had told me from the start: First, immediately request a "payment confirmation number" or "transaction ID" from when you made the payment - even if you didn't get an email confirmation, they should have generated one in their system. If they can't provide this, that's a huge red flag that something went wrong during processing. Second, escalate immediately - don't waste time with regular customer service. Ask specifically to speak with their "Payment Processing Supervisor" or "Account Research Team." I spent way too long getting bounced around by regular reps who clearly didn't have access to the tools needed to actually investigate. Third, file a complaint with the CFPB while you're dealing with this - don't wait. Having an active complaint sometimes motivates them to resolve issues faster, and it creates an official paper trail if things get worse. Most importantly, document EVERYTHING with timestamps. Screenshot your account daily showing the missing payment, save all your bank records, and keep a log of every call you make. I cannot stress enough how important this documentation became when I finally got someone who could help. Your $3000+ didn't just evaporate - it's sitting somewhere in their system and they need to find it NOW. Don't let them make you wait any longer! 💪

This is absolutely terrifying and I feel for you so much! Having over $3000 just disappear is a nightmare scenario. I actually had a similar issue with MOHELA about a year ago with a $1,900 payment, and here's what I learned that might help: When you do get through to someone (and definitely try that early morning call strategy others mentioned), ask them to check their "ACH processing logs" specifically. My payment had been processed but got stuck because of a "name mismatch" between what I had on file and what my bank sent - even though it was just a tiny difference in how my middle initial was formatted. Also, this might sound obvious but make sure to check if MOHELA applied your payment to a different loan than intended. Sometimes large payments get auto-applied to whatever loan has the highest interest rate, even if that's not what you selected. I've seen people panic about missing payments only to find out it went to their graduate loan instead of their undergrad loan. One more thing - if you're comfortable sharing, what method did you use to make the payment? Credit card, bank transfer, or direct debit? Different payment methods sometimes have different processing timelines and error patterns with MOHELA's system. Really hoping you get this resolved quickly - keep fighting for your money! 💪

This is absolutely horrible and I'm so sorry you're dealing with this! $3000+ is a huge amount to just disappear - I would be losing my mind right now. I haven't had this exact issue with MOHELA, but I've had my fair share of payment nightmares with them over the years. One thing I'd suggest that I haven't seen mentioned yet - check if your bank shows any "pending reversals" or "provisional credits" related to that transaction. Sometimes when payments get stuck in processing limbo, banks will show the initial debit but then there might be some kind of pending adjustment that isn't immediately obvious. Also, when you do get through to MOHELA (and definitely try all the great strategies others have shared!), ask them to send you a written summary of what they find via email. Even if it's just "we're investigating your payment dated X for amount Y," having something in writing makes them more accountable and gives you better documentation if you need to escalate further. The fact that so many people in this thread have had similar experiences really shows this is a systemic problem with their payment processing. That's both reassuring (you're not alone!) and absolutely infuriating that they haven't fixed these issues. Stay strong and keep pushing - that money belongs to you and they HAVE to account for it. Rooting for you! 🤞