Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: TX

Complaint narrative:
To Whom It May Concern : Subject : Formal Complaint and Request for Federal Student Loan Discharge Due to MOHELA Mismanagement and Abusive Practices. Date Opened : XX/XX/XXXX Amount : {$73000.00}. 

I am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA ( Missouri Higher Education Loan Authority ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/XXXX concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally. 

According to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( IDR ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures These systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account : Incorrect billing amount that led to delinquency and customer service gave me incorrect information that caused me to miss payments. 

I have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law. 

Given that MOHELA is currently under investigation for systemic abuses, I am requesting : A full review and audit of my loan account ( XXXX ) serviced by MOHELA A formal response detailing corrective actions to resolve the errors on my account Full discharge or forgiveness of the impacted loan balance ( s ) due to mismanagement and borrower harm Compensation for fees, interest, or penalties accrued as a result of MOHELAs administrative errors Confirmation that my eligibility for programs such as IDR, Public Service Loan Forgiveness ( PSLF ), or Fresh Start has not been compromised Please consider this letter a formal request for loan dispute resolution and borrower defense and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld. 

I am including documentation to support my complaint, including correspondence with MOHELA, billing statements, and any records of prior applications or disputes. If additional materials or forms are required, please notify me immediately. 
Thank you for your attention to this urgent matter. I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an investigator or caseworker. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation