Total CFPB complaints
624
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 624 complaints
MOHELA — Debt Collector Complaint Profile
CFPB complaint profile across 46 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about MOHELA
- Attempts to collect debt not owed
Attempts to collect debt not owed
192 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
150 complaints
- False statements or representation
False statements or representation
98 complaints
- Written notification about debt 68
Written notification about debt
68 complaints
- Communication tactics 36
Communication tactics
36 complaints
F
Grade F · 43.6/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about MOHELA?
MOHELA has accumulated 624 total CFPB complaints across 46 states, with 337 filed in the most recent 12 months against 287 historical complaints before that window. The trailing-12-month volume represents 54.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 77% timely-response rate against a 39% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 46 states, led by Texas with 97 and California with 62, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 43.6/100 places MOHELA in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
337
54.0% of total history
Rising ↑
States active
46
Distinct state filings
Timely response rate
77%
Within CFPB SLA window
Consumer disputes
39%
After company response
Reputation grade
F
43.6/100 composite
Response-quality profile
How MOHELA performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 76.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 77.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 82.1%
Share of US states + territories with at least one filed complaint against this collector.
How does MOHELA compare to its peers?
MOHELA National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action150 (%)
False statements or representation98 (%)
Attempts to collect debt not owed192 (%)
Written notification about debt68 (%)
Communication tactics36 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 150 |
| False statements or representation | Attempted to collect wrong amount | 98 |
| Attempts to collect debt not owed | Debt is not yours | 92 |
| Attempts to collect debt not owed | Debt was result of identity theft | 46 |
| Written notification about debt | Didn't receive enough information to verify debt | 43 |
| Attempts to collect debt not owed | Debt was paid | 41 |
| Written notification about debt | Didn't receive notice of right to dispute | 25 |
| Communication tactics | Frequent or repeated calls | 24 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 13 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 12 |
Where do complaints against MOHELA come from?
The states where consumers have filed the most CFPB complaints against MOHELA. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against MOHELA
Across 46 states with at least one filing
- Texas
Texas
97 complaints
- California
California
62 complaints
- Georgia
Georgia
55 complaints
- Florida
Florida
44 complaints
- New York 35
New York
35 complaints
- North Carolina 32
North Carolina
32 complaints
- Maryland 24
Maryland
24 complaints
- Illinois 23
Illinois
23 complaints
Frequently Asked Questions
What is the most common complaint against MOHELA? ▼
The most common issue consumers report about MOHELA is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 624 complaints filed with the CFPB.
Are complaints against MOHELA increasing or decreasing? ▼
Complaints against MOHELA are rising. The company received 337 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is MOHELA's reputation grade? ▼
MOHELA has a reputation grade of F (score: 43.6/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does MOHELA respond to consumer complaints? ▼
MOHELA has a 77% timely response rate to CFPB complaints. Consumers disputed the company's response in 39% of cases.
In how many states does MOHELA operate? ▼
MOHELA has received CFPB complaints from consumers in 46 states, with the most complaints from Texas (97 complaints).
What can I do if MOHELA is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If MOHELA violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |