Mohela Has Ruined My Life

Hey everyone,
I'm a 25-year-old male, graduated in 2022, and have been trying to build a stable life for myself. I live alone and make $65K a year. I’ve always been financially responsible—never missed a credit card payment, paid all my bills on time, and up until a couple of months ago, my credit score was hovering around 740.

That changed in March when MOHELA disabled my auto-pay without my consent and locked me out of my account entirely. Every time I tried to log in, I received error messages saying my login credentials were invalid. At one point, it even told me my Social Security Number wasn’t valid.

For months, I couldn’t access my account, couldn’t make payments, couldn’t even see what I owed. I submitted multiple support tickets, called, emailed—nothing. During that time, my account went into delinquency, and MOHELA reported it to the credit bureaus.

My score dropped from 740 to 550. In a matter of months. Through no fault of my own.

I filed complaints with the CFPB, the FSA Ombudsman, and even escalated to my state's Attorney General. So far? Not a single response. Just silence.

Yesterday, I finally regained access to my account. I immediately paid off the full balance because I just wanted this nightmare to be over. But my credit is still wrecked. I'm now dealing with the fallout: Getting denied for credit cards, can't purchase a new car, worrying about new housing once my lease is up, and overall embarrassment at the whole situation. Homeless guys are sleeping under a tree outside of my office with a higher credit score than me right now.

This entire situation has been emotionally draining and financially devastating. I'm sharing this here because I know I'm not the only one. I’ve seen posts from others dealing with similar MOHELA failures. I honestly want to know—has anyone been able to get a goodwill removal from MOHELA? Has anyone had success disputing the credit reporting? Has any class action started forming?