MOHELA took funds from account but didn't receive them - What to do?
Has anyone else had issues with funds being taken out of their account but not received by MOHELA? I've already done what they asked but it's becoming really annoying now. It's like the money just disappeared into thin air. Any advice on how to handle this?
21 comments


Rosie Harper
Ugh, I've been there. It's so frustrating when you think you've done everything right and then this happens. Have you tried calling them directly? Sometimes talking to a real person can help sort things out faster.
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Darren Brooks
•Yeah, I've tried calling but their hold times are insane. I swear I spent half my day just listening to their terrible hold music 🙄
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Elliott luviBorBatman
•Pro tip: call right when they open. Usually shorter wait times then.
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Darren Brooks
•Thanks for the tip! I'll give that a shot tomorrow morning.
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Demi Hall
This happened to me last year. Turns out there was a glitch in their system. Keep calling and don't let them brush you off. Document EVERYTHING. dates, times, who you talked to. It took me weeks but I finally got it sorted.
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Mateusius Townsend
Have you checked your bank statements? Sometimes the transaction can be pending for a few days before it actually goes through. Might be worth double-checking there first.
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Darren Brooks
•Good idea, I'll take another look. But it's been over a week now, so I'm getting pretty worried.
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Kara Yoshida
I found a way to actually get someone on the phone without waiting forever. 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
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Philip Cowan
•Sounds too good to be true. Does it really work?
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Kara Yoshida
•Yeah, it actually does. I was skeptical at first too, but I was desperate after being on hold for hours. It saved me so much time and frustration.
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Caesar Grant
•20 bucks tho? That's kinda steep just to talk to someone...
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Kara Yoshida
•I get it, but for me, it was worth it. Time is money, and I wasted way more than $20 worth of time trying to get through on my own.
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Lena Schultz
This is why I hate dealing with student loans. The whole system is a mess. 🤦♂️ Good luck OP, hope you get it sorted soon.
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Gemma Andrews
•Preach! 🙌 The system is totally rigged against us.
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Pedro Sawyer
Here's what you need to do: 1. Document everything. Keep a log of all transactions, dates, and communication attempts. 2. Send a certified letter to MOHELA explaining the situation. This creates a paper trail. 3. File a complaint with the Consumer Financial Protection Bureau (CFPB). They can often get things moving. 4. If it's a significant amount, consider consulting a lawyer specializing in student loans. 5. Keep calling MOHELA, but also try reaching out via their social media channels. Sometimes public pressure helps. 6. Check if your school's financial aid office can assist or provide guidance. 7. As a last resort, you might need to dispute the charge with your bank, but be careful as this could affect your loan status. Remember, persistence is key. Don't let them wear you down. Good luck!
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Darren Brooks
•Wow, thank you so much for this detailed advice! I'll definitely start working through these steps. Really appreciate it! 🙏
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Mae Bennett
•This is gold. Saving this for future reference. You never know when you'll need it with these loan servicers. 💯
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Beatrice Marshall
have u tried checkin ur spam folder? sometimes their emails end up there and u miss important info
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Darren Brooks
•Good thinking, but I've been checking everywhere. No luck so far. 😕
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Melina Haruko
Oof, MOHELA strikes again. They're the worst. I swear they make things complicated on purpose. Hang in there, OP!
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Diego Fernández
I went through something similar about 6 months ago. The payment showed as processed on my end but MOHELA claimed they never received it. What finally worked for me was getting my bank to provide a trace number for the electronic transfer and then providing that to MOHELA's escalation team. It took about 3 weeks total but they eventually found the payment and credited my account. Don't give up - keep pushing them for answers and make sure you get reference numbers for every call you make!
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