CFPB Consumer Complaint Profile
Mohela
What 24,734 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 24,734
- Total complaints
- Among the highest
- 9,185
- Last 12 months
- 73%
- Timely response
- Bottom decile
- 58
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Mohela has accumulated 24,734 complaints, placing it #30 by volume. On-time replies land at 73%, the 7th percentile for the 100+ complaint peer group.
- #30
- of 3,843 companies by volume
- 73%
- on time (7th pctile)
- Student loan
- most-complained product
- 58
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Mohela vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
73% Among the lowest higher than 7% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 6,507 in 2024 to 10,422 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 10 |
| 2013 | 15 |
| 2014 | 26 |
| 2015 | 38 |
| 2016 | 130 |
| 2017 | 139 |
| 2018 | 119 |
| 2019 | 94 |
| 2020 | 98 |
| 2021 | 104 |
| 2022 | 990 |
| 2023 | 4,062 |
| 2024 | 6,507 |
| 2025 | 10,422 |
| 2026year in progress | 1,980 |
Complaints by State (Top 15)
Company Responses
Mohela Complaint Concentration Profile
Mohela is a high-volume CFPB cohort (24,734 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 32 named product lines in the stored breakdown, the leading three (Student loan, Credit reporting or other personal consumer reports, Student loan) hold a 95.1% share of product-tagged complaints. The Herfindahl index on that product mix is 0.577 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Dealing with your lender or servicer, Incorrect information on your report, Struggling to repay your loan) cover a 87.7% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, Texas, Florida) hold a 24.3% share of state-tagged volume across 58 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 74.3% share among the 24,734 response-tagged complaints (18,375 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (10,422 complaints); the lightest year on file was 2012 (10). From 2024 to 2025, annual volume rose 60.2% (6,507 → 10,422). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Mohela
24,734 complaints against Mohela appear in the CFPB record, including 9,185 from the trailing year. The 58 states and territories represented put this footprint in nationwide territory. The single largest complaint category is "Student loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Dealing with your lender or servicer," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Mohela posts a 73% reply rate on forwarded complaints. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Consumers formally disputed the company's response at a 20.3% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 5.2%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Mohela have?
24,734 complaints have been filed against Mohela with the CFPB overall - 9,185 of them in the past year.
Does Mohela respond to complaints on time?
Mohela's CFPB timely-response rate is 73%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Mohela?
"Student loan" draws more CFPB complaints against Mohela than any other product - see the full breakdown above.
What is the most common complaint issue with Mohela?
Consumers most often cite "Dealing with your lender or servicer" when complaining about Mohela; the full issue list with counts is above.
How do I file a complaint against Mohela?
You can file a complaint against Mohela directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Mohela?
Mohela has drawn CFPB complaints from 58 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Mohela: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (24,734 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (20.3% here).
Also handles Student loan
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.