Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern:\nSubject: Formal Complaint and Request for Federal Student Loan Discharge Due to MOHELA Mismanagement and Abusive Practices\nI 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 XXXX XXXX concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally.\nAccording to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for:\n\t\tFailing to properly calculate monthly payments\n\t\tIssuing inaccurate bills and late fees\n\t\tMishandling income-driven repayment (IDR) paperwork\n\t\tDelays and errors in processing recertification forms\n\t\tProviding inaccurate or misleading information about repayment and forgiveness options\n\t\tCreating unnecessary delinquencies and defaults due to administrative failures\nThese systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account:\n\t\t[Briefly describe your specific problems e.g., Incorrect billing amount that led to delinquency, Failure to process my IDR application on time, Customer service gave me incorrect information that caused me to miss payments, etc.]\nI 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.\n\nGiven that MOHELA is currently under investigation for systemic abuses, I am requesting:\n\t\tA full review and audit of my loan account(s) serviced by MOHELA\n\t\tA formal response detailing corrective actions to resolve the errors on my account\n\t\tFull discharge or forgiveness of the impacted loan balance(s) due to mismanagement and borrower harm\n\t\tCompensation for fees, interest, or penalties accrued as a result of MOHELAs administrative errors\n\t\tConfirmation that my eligibility for programs such as IDR, XXXX XXXX XXXX XXXX XXXX or XXXX XXXX has not been compromised\nPlease 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.\nI 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.\nThank 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.\nSincerelyXXXX XXXX

Company response to consumer: Closed with explanation