This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 721 complaints

Mohela - Debt Collector Complaint Profile

CFPB complaint profile across 46 states, reputation grade F.

Complaints by issue type

What consumers report about Mohela

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record mohela Mohela

Grade F · 721 CFPB filings · 77% timely · lead issue: Took or threatened to take negative or legal action · vol #197 · compose #514

  • VOL 721
  • GRADE F
  • 12MO 383
  • STATES 46
  • TIMELY 77%
  • DISPUTE 39%
  • ISSUE Took or threatened to take…
  • RANK #197
  • COMPOSE #514

Volume peers

Nearest volume peer: Security Finance Corp (723 complaints)

State Collection Service, Inc.State Collection Service, In…710Choice Recovery, Inc.Choice Recovery, Inc.715Mohela (this)Mohela (this)721Security Finance CorpSecurity Finance Corp723Jon Barry and Associates, Inc.Jon Barry and Associates, In…730
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Mohela's 721 CFPB complaints sit next to Security Finance Corp on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 721 complaints break down

Every complaint issue type on record for Mohela, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
41.1/100
Mohela

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
721
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
77%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
39%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Texas is the plurality state for Mohela (16.0%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 16.0%
Mid-band (15–30%) · 46 states with ≥1 filing
Seasonal peak
2025-01 11.1%
8–15% band · 8 filings
Corpus ranks
#197 volume
#514 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Mohela compare to its peers?

How does MOHELA compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
MOHELA National average
Complaints (last 12 mo)lower is better
383
289
268
Timely-response ratehigher is better
77%
98%
91%
Consumer-dispute ratelower is better
39%
9%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Mohela a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 70%80%90%100%110% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Mohela vs. 9 similar-volume peers, by response speed and dispute rate MohelaSECURITY FINANCE CORPChoice Recovery, Inc.Jon Barry and Associates, Inc.State Collection Service, Inc.Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY BranchThe Law Offices of Mitchell D. Bluhm & AssociatesMARINER FINANCE, LLCCITIZENS FINANCIAL GROUP, INC.Client Services, Inc.
Source: CFPB Consumer Complaint Database

Mohela's complaint volume in context

Mohela vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

721 Top 4% higher than 96% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Mohela 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2023-10 2026-02

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
231
Attempts to collect debt not owed
212
False statements or representation
114
Written notification about debt
81
Communication tactics
47
Electronic communications
11
Cont'd attempts collect debt not owed
9
Improper contact or sharing of info
7
Threatened to contact someone or share information improperly
5
Disclosure verification of debt
4

Where do complaints against Mohela come from?

Mohela's own per-state count, not a national baseline.

Top states by complaints against Mohela

Across 46 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Mohela: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 721.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 76.6025641025641%.

4 peers

Know your rights before responding to Mohela: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.