MOHELA took funds from account but didn't receive them - What to do?

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.

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.

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.

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

This is why I hate dealing with student loans. The whole system is a mess. 🤦‍♂️ Good luck OP, hope you get it sorted soon.

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!

have u tried checkin ur spam folder? sometimes their emails end up there and u miss important info

Oof, MOHELA strikes again. They're the worst. I swear they make things complicated on purpose. Hang in there, OP!

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!

This is such a nightmare situation! I had something similar happen with a different loan servicer a few years back. One thing that really helped me was creating a timeline document with screenshots of everything - bank statements showing the withdrawal, confirmation emails, etc. Then I escalated to their supervisor level immediately instead of dealing with regular customer service. Also, if you haven't already, check if your state has a student loan ombudsman office - they can sometimes intervene when servicers aren't being responsive. The whole process is incredibly frustrating but don't let them wear you down!

I'm so sorry you're dealing with this - it's absolutely maddening when your money just vanishes into their system! I haven't had this exact issue with MOHELA yet, but I've definitely had payment processing nightmares with other servicers before. One thing I learned is to always screenshot everything the moment you make a payment - confirmation pages, transaction IDs, everything. It sounds like you're already getting some solid advice here about calling early, getting trace numbers from your bank, and documenting everything. The CFPB complaint route that Pedro mentioned is legit - I've seen them actually force servicers to respond when nothing else worked. Hang in there and don't let them gaslight you into thinking this is normal! 💪