MOHELA payment taken from bank but not showing on account - help!

I found a way to solve MOHELA payment not showing up, watch this: https://www.youtube.com/watch?v=4z16DDz9CuU

Ugh, MOHELA strikes again! 🙄 I swear they're always messing something up. Have you tried calling them yet? Be prepared to wait on hold for like 3 hours tho lol

I had the exact same issue last month! It's super frustrating, but don't panic. Here's what I did: 1. Double-check your bank statement to make sure the payment went through on your end. 2. Log into your MOHELA account and look for any pending transactions. 3. If you don't see anything, call MOHELA customer service (be prepared for a long wait). 4. When you get through, explain the situation calmly and ask them to check for any pending or unprocessed payments. 5. If they can't find it, ask them to escalate the issue and get a case number. 6. Follow up via email so you have a paper trail. It took about a week, but they eventually found my payment and applied it correctly. Hang in there!

Have you tried checking your spam folder for a confirmation email? Sometimes MOHELA's emails end up there for me.

man, i feel for you. these loan servicers are the worst. its like they actively try to make our lives harder 😤

I found a method to get someone on the phone quickly. 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 explaining it: https://youtu.be/kfgsWnbb8cU

This happened to me once, turns out I accidentally paid to my old loan servicer instead of MOHELA. Double-check that you used the right account info!

Have you tried reaching out to MOHELA on social media? Sometimes they're more responsive there. Worth a shot!

Oof, MOHELA and their payment shenanigans. Classic. 🙄 Hang in there, OP. You're definitely not alone in this struggle.

This is such a common issue with MOHELA unfortunately! I went through something similar a few months back. One thing that helped me was logging into my bank account and taking a screenshot of the transaction with the date, amount, and reference number. When I finally got through to MOHELA (took forever on hold), having that info ready made the process go much smoother. They were able to track down my payment using the reference number. Also, if you have online banking, check if there's a "transaction details" section that shows where exactly the payment went - sometimes the routing info can help them locate it faster. Hope you get it sorted out soon!

I've been there too! This exact thing happened to me about 6 months ago and it was so stressful. What ended up working for me was calling MOHELA first thing in the morning (like right at 8 AM when they open) and having all my documentation ready - bank statement showing the deduction, confirmation number if I had one, and the exact date/amount. It took about 3 business days for them to locate the payment and apply it to my account. In the meantime, I also sent them a secure message through their website with all the details and attached a screenshot of my bank statement. Sometimes having multiple touchpoints helps move things along. Don't worry, your payment isn't lost - it's just probably sitting in some processing queue somewhere. Stay persistent and you'll get it sorted out!

I just went through this exact same nightmare with MOHELA last week! The stress is unreal when you see money leave your account but it's like it vanished into thin air on their end. Here's what worked for me: I called them at exactly 8 AM (set an alarm!) and had everything ready - bank statement screenshot, transaction reference number, the works. The rep was actually really helpful once I got through. She found my payment in their "unposted transactions" queue and said it happens more often than you'd think, especially with electronic payments. It took about 24 hours to show up in my account after she manually processed it. Also, definitely send that secure message through their portal like others mentioned - I did both and I think it helped expedite things. You're going to get this sorted out, just stay on top of them!

This is such a frustrating situation but you're definitely not alone! I had a similar issue with MOHELA about 8 months ago where my payment disappeared into the void. What saved me was keeping detailed records of everything - I screenshotted my bank statement showing the withdrawal, saved any confirmation emails or numbers, and even took photos of my payment setup on their website before submitting. When I finally got through to customer service (after what felt like an eternity on hold), having all that documentation made the rep take me seriously right away. They were able to track it down within their system using my bank's routing information. One tip I learned: if you made the payment through their website, check your browser history for any confirmation pages you might have missed saving. Sometimes those pages have tracking numbers that can help them locate payments faster. Hang in there - these payment hiccups seem to happen more than they should, but they do get resolved eventually!

I'm going through this exact same thing right now! Made a payment three days ago and it's like it just disappeared. Seeing everyone's experiences here is actually really reassuring - I was starting to think I was going crazy. I'm definitely going to try the 8 AM call strategy with all my documentation ready. Has anyone had success with their live chat feature, or is calling really the only way to get this resolved? Also, should I be worried about any late fees while this gets sorted out?

I'm dealing with this exact issue right now too! It's so frustrating when you do everything right but the payment just seems to vanish. Reading through everyone's experiences here has been really helpful though. I'm planning to call first thing tomorrow morning with all my bank documentation ready. One thing I wanted to add - has anyone had luck disputing the charge with their bank while waiting for MOHELA to sort things out? I'm wondering if that might put pressure on them to resolve it faster, or if it could actually make things more complicated. Also, does anyone know if there's a specific department at MOHELA that handles these missing payment issues, or do you just go through regular customer service? Thanks to everyone sharing their stories - it really helps to know we're not alone in this!

I'm so sorry you're dealing with this! I went through the exact same thing about 2 months ago and it was incredibly stressful. The good news is that your payment isn't lost - it's most likely sitting in their processing system somewhere. Here's what worked for me: I called MOHELA at exactly 8 AM when they opened (way shorter hold time), and I had everything ready - screenshot of my bank statement showing the deduction, the exact date and amount, and any confirmation numbers. The representative was able to find my payment in what she called their "pending transactions" queue and manually applied it to my account within 24 hours. I also sent a secure message through their website with all the same information as backup. Pro tip: if you made the payment online, check your email for ANY confirmation - even if it seems unrelated, it might have a reference number they can use to track it down. Don't panic, this happens way more often than it should with MOHELA, but they will find your payment and get it sorted out!

This thread is incredibly helpful! I'm actually dealing with this exact same issue right now - made a payment 4 days ago and it's nowhere to be found on my MOHELA account despite being deducted from my bank. Reading everyone's experiences here has honestly saved my sanity because I was starting to think I did something wrong. The consensus seems clear: call at 8 AM sharp with all documentation ready (bank statement screenshot, transaction details, any confirmation info). I love that so many people mentioned the "pending transactions" or "unposted transactions" queue - it makes total sense that there's a limbo area where these payments get stuck. I'm setting my alarm for 7:45 AM tomorrow and getting everything organized tonight. It's both frustrating and comforting to know this is such a common issue with MOHELA. Thanks to everyone for sharing your stories and solutions - this community is awesome for helping each other navigate these loan servicer headaches! 🙏

This is such a stressful situation but you're definitely not alone! I went through something very similar about 3 months ago where my payment just vanished into thin air. What worked for me was calling MOHELA right at 8 AM with all my documentation ready - bank statement screenshot, transaction reference number, date and amount. The rep found my payment stuck in their processing system and got it applied within 2 days. Also definitely send a secure message through their portal with all the same info as backup. I know the hold times are brutal, but don't give up! Your payment isn't lost, it's probably just sitting in their "pending transactions" queue waiting to be processed. Make sure to get a case number when you call so you can reference it if you need to follow up. Hang in there - this gets resolved way more often than you'd think! 💪

This exact thing happened to me about 6 weeks ago and I totally understand the panic! My payment disappeared for almost a full week. Here's what I learned: MOHELA's payment processing system has some serious glitches, but your money isn't gone. When I finally got through to someone (used the 8 AM strategy everyone's mentioning), they explained that electronic payments sometimes get "stuck" in their system and need to be manually pushed through. The rep I talked to said it's happening more frequently lately due to some backend system updates they've been doing. She was able to find my payment immediately once I gave her my bank's confirmation number. One thing I'd add to all the great advice here - if you bank with a credit union or smaller bank, sometimes their payment processing codes don't play nice with MOHELA's system, which can cause these delays. The good news is once they locate it, it usually gets applied within 24-48 hours. Don't stress too much, this is definitely a "them" problem, not a "you" problem!

This is such a common and frustrating issue with MOHELA! I went through the exact same thing about 4 months ago and felt like I was losing my mind. The payment showed up as processed on my bank's end but was completely invisible on MOHELA's website. Here's what worked for me: I called them right at 8 AM when they opened (seriously, set an alarm - the wait times are SO much better early morning) and had all my documentation ready - bank statement screenshot showing the withdrawal, transaction reference number, exact date and amount. The customer service rep was actually really helpful and found my payment in what she called their "unprocessed electronic payments" queue. Apparently this happens more than they'd like to admit, especially with certain banks. She was able to manually push it through and it showed up on my account within 24 hours. Also definitely send a secure message through their website portal with all the same info as backup - having multiple contact points seems to help move things along. Your payment isn't lost, it's just stuck in their system somewhere! Stay persistent and you'll get it sorted out. Good luck! 🤞