Consumer complaint received 2026-04-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
On XXXX XXXX I applied for the borrowers defense application for my private loans serviced by Mohela as my school XXXX XXXX XXXX XXXX XXXXXXXX was publicly closed for in court proven widespread fraud. This was published in XX/XX/XXXX by the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Regarding XXXX XXXXXXXX XXXX XXXX The school engaged in misrepresentation of job placement in apparel design my focus in school, employment salary potential and earning potential, and relationships with apparel companies. The school also pressured me on multiple occasions into taking private loans and cost of living loans without proper disclosures of terms and the above fraud and misrepresentation of job placement, salary potential and apparel representation directly harmed me. As of XX/XX/XXXX My balance shows XXXX and the application was sent on I was denied based on a reason code XXXX. I was told that I did not provide proof of substantial harm after sending additional evidence and information for my appeal. I sent a physical packet as mentioned below full of clear examples of harm. On XXXX I appealed this and provided additional proof and substantial evidence and was denied again with the same reason codes even though the burden of proof was met.i was told in the denial letter I could appeal so did so on XXXX Included is a recap of the additional evidence I sent : Exhibit Index : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & School Misconduct Findings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Loan Servicer Confirmation of Discharge XXXX XXXX XXXX XXXX XXXX XXXX Federal Loan Account History Reflecting Discharge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misconduct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exhibit B School Misrepresentations & Program Deficiencies XXXX XXXX XXXX Representations Regarding Employment Outcomes and Career Services B2 Documentation Reflecting Misrepresentation of Salary Expectations and Employer Relationships Exhibit C Career Harm & Employment Outcomes C1 XXXX XXXX XXXX Description ( XXXX, XXXX ) XXXX Borrower Statement Regarding Interview Feedback & Industry Reputation Includes XXXX interview feedback Includes XXXX informational interview feedback XXXX Resume / Employment History ( showing absence of permanent design roles ) XXXX Portfolio & Visual Work Samples XXXX XXXX XXXX ( XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Email Communications with Loan Servicer Regarding Payment Difficulty XXXX Servicer Responses and Repayment Option Discussions Exhibit XXXX Borrower Declaration & Family Harm Evidence XXXX Borrower Declaration Regarding Family Harm XXXX Documentation Reflecting Private Loan Paid by XXXX XXXX XXXX Exhibit F Program Availability & Timely Application Evidence XXXX MOHELA Advocate Email Confirming Implementation of XXXX XXXX XXXX XXXX XXXX XXXX ( Early XXXX ) Exhibit G Credit & Housing Harm Evidence G1 Credit Reports Reflecting Late Payments and XXXX XXXX XXXX XXXX Mortgage Lender Correspondence Confirming XXXX Denial of XXXX Home Purchase I asked th advocate email address XXXX for specific confirming information on XXXX of the receipt of my evidence via email to the advocate at email as I sent digital and physical appeal packets but never received the information I requested from Mohela on confirmation of receipt and was denied the appeal on XXXX. The address below shows where the appeal was sent on XXXX along with tracking showing delivery. The school was also closed due to the public fraud therefore the loans are illegal to collect on based on the holder rule. In fact my federal loans were discharged in XXXX as a result of the school negligence. Dear MOHELA Appeals Team, I am wrote Mohela advocate XXXX to request confirmation of receipt of my complete XXXX XXXX School Misconduct Appeal package, which I submitted both electronically and via physical mail. I received no response The physical appeal packet, containing the full appeal materials with original signed documents and exhibits, was mailed on XX/XX/XXXX via XXXX XXXX XXXX to the following address : MOHELA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX In addition, I submitted the corresponding digital version of the complete appeal packet electronically to ensure timely receipt and processing. I respectfully requested confirmation with no response that : 1. The physical appeal packet has been received and logged ; 2. The electronic submission has been received ; and 3. Both submissions have been associated with my account for review. 4. Loan number redacted for privacy in cfppb report I asked for confirmation of any internal receipt or case reference number assigned to my appeal. None was provided My most recent denial letter dated XXXX said I had one last chance to send an appeal and the outcome on the letter does not seem to include the appeal documents I sent Mohela. Furthermore I called them and they said I had to leave a voicemail as there was no one I could talk to and that someone would call me back on XX/XX/XXXX no one ever returned my call. Mohela does not seem to have processed any of the information sent. Also when I call to discuss my loans and application I am told no one is available and to leave a message

Company response to consumer: Closed with explanation