MosReviews of mos.com

If I could give negative star rating, I would. This mockery of a company has single handedly destroyed my life and has demolished my quality of life to a point that I don’t think I’ll ever be able to recover from. It started when I was awarded with a scholarship for law school (outside and unrelated to mos.) This investment in me and my prospective future career was awarded to me by a very prominent attorney in the state of which I, too, reside, Texas. I knew when a wire transfer should be visible in my account just like I knew the applicable cut off times from both financial institutions. The last day arrives for me to register for a very very important academic venture. The investment /scholarship was sent the day prior via wire transfer. This means that any reason person would know that the wire would then arrive the following day from 1030 am to 1230pm as indicated by the federal reserve and evidenced by my personal experience. I have received around 400 wire transfers in my adult life and every single one of them were I’m available in my account at the financial institution to which I was associated with at the time, but not MOS. While I am aware it is not a financial institution in and of itself, the ONLY way you can seek any assistance, even for your financial assistance, is through the app with a “advisor”. This advisor is assigned and remains constant throughout your mos experience. This should have been red flag number 37366363626363 but it wasn’t. I was hopeful in the mission mos had so I tried to remain positive. The wire transfer I was set to receive was 7500.00. So 3:45 pm arrives and the financial office of my university closes at 430 and this day was the last day to pay for enrollment for a very very important program in my law school career. I messaged my “advisor” and his answer was the same answer as literally it had been every time I asked a question about anything pertaining to my bank account and this answer is as follows: “I have reached out to my team and will provided you with an update as soon as I get a response” I’m trying to remain calm, but to no avail, I lose it. I really lose it as my patience had been on the exponential decline for months because of the sheer negligence I have experienced prior to this day. I lost it, I cussed, I said they were incompetent, unprofessional, disgusting, criminal, and tons of other things. Now, be advised I have read every single word of all binding agreements that mos has published and that I agreeed to upon opening an account and while this may seem to be “understood” nothing about “disrespectful behavior” is even mentioned in any of said terms and conditions or user agreement. 515 pm rolls around and I have Since lost my window to enroll in a once in a lifetime opportunity at my law school. I’m addition to this loss, my wire transfer is still not showing up in my account when I receive word from my “advisor” that my account has been closed due to disrespectful behavior. I was actually not mad at this at the time it occurred bc I knew I lost my cool and because the 7500 wire was not in my account upon being told it had been closed, so I thought this was a blessing in disguise. Thankfully I would no longer be having to suffer at the hands of such a terrible terrible company. I could just use my other bank account and hope I can pay a day late for my college. The following day around 12, the bank calls me to let me know that the wire transfer had successfully gone through to my account the day before at 10:47 am!!! So I log back into mos account and it indicated to me my account was closed, but something had changed, my balance was now 7500 higher than close of business the previous day. I was livid. I have been begging and begging for instruction or a status update of a balance refund check for a week now and have lost completely my chance to enroll in school for the mini semester of which will cause me to lose my Internship and it is snowball effect from there. PLEASE, if you are a student, please do not trust these people if I can help save one person from the sheer agony this place has caused me my pain will be worth it. Please please please go elsewhere there are tons of resources much better than mos and for heavens sake do not bank there. Mos has ruined my life as I knew it and has caused me and is still causing me so much mental anguish I truly don’t know if I’ll be able to recover from it. I have slipped into a depression and it has taken all of the fight out of me they win. They have beaten me. I literally am so depressed I cannot even fight for my own money that they have stolen from me they have stolen my prospective college career from me and they have stolen my perseverance and my sense of purpose from me. I don’t even want to live anymore. Please don’t allow them that opportunity to do the same to you. I truly hope I can keep just one person from this hell.

If anyone reads this. Avoid at all costs. Its a scam and there is no legitimacy to their claims. All the reviews are seeded to make it more enticing to new people in need of change. there is already a lawsuit on its way in regards to this so-called financial aid system

I signed up for MOS in 2019 around December or November and I went through the whole process with an agent texting me trying to help and emailing me. However, They only gave me a list of financial aid programs that I already had applied for, Pell Grant/CO opportunity fund/ FASFA. They never told me about scholarships I qualified for like they said they would find. SO you can forget the scholarship part about this, the only thing their agent is going to help you with is being an Aid coach. If you want to pay $150 for someone to text and email you about applying for these basic Financial Aid programs everyone knows about then, by all means, drop the $150! I'm sure your mom or dad can tell you to apply for FASFA and that you need to sign it every day when you already have. You're basically paying for this big white lie, their selling you false hope. THat they are working towards everything they can when you fill out all that signing stuff on the site and when they reach out to you, they act like they are really helping you till they charge your account for their 'service' and then you realize WOW all I did was apply for FASA, by myself and paid $150?! AND GET THIS... the spring semester I was trying to cover aid for I couldn't attend my classes due to a crisis and dropped them a few days before it started.(Jan 14th) Therefore, I never received any financial aid because I couldn't attend school and they took the money from my account(Yesterday-May 6th). I contacted customer service about a refund so well see how that goes. Either way save your money and do it yourself. Im sure these are fake reviews or just REALLY dumb people. Go do your research and take the time to find a scholarship you qualify for by yourself or with the help of a college advisor. These people on MOS cannot help you, but they can help you by taking your money and selling false hope and incentives. UPDATE: I did end up getting my refund avout 5 days later, their agent also emailed me trying to have me stay but not after my bad experience. Thanks guys

Do not do it! They basically fill out the fasfa for you and most people already know how to do or have already done that. They make it seem like they find you money else where and that's how they get you because they don't. Don't pay someone to do something you can do yourself for free. Also if you want to delete your account, prepared to be ignored for DAYS. I had to threaten them by getting my dad who is a lawyer involved and when I sent that message, I got a response in minutes. I wish I could give this company no stars and I hope they go out of business!

What a joke. Taking advantage of people who don't take due diligence and actually research the terms of an agreement. I do not need to pay $150 for someone to tell me about a grant that I am already aware of, qualified for, and have accepted. Learn from me and do your own research before reaching out to anyone regarding financing education.

I had to send the following email after my son and I were mislead into thinking that MOS was only applying for scholarships and grants after we stated that we only wanted help with scholarships and grants. He did not need assistance completing the FAFSA as we completed it in November of 2019. I sent a text message to the number I received stating that if I needed any help to text this number or send an email. I have not received a reply back as of yet. Letter to the company: As an attorney, I have advised my son that he has 24 hours to decide on whether or not I want to be in contract with a contractor (your service). After my son stated a few minutes ago on your app that he did not need help completing the FAFSA and only needed help with scholarships and grants, your app sent us directly to questions that were questions that are asked on the FAFSA website. We completed his FAFSA in November of 2019, and his college acknowledged that it had received the FAFSA. He has submitted his paperwork for the verification process, so we do not need to pay $148 for something to be done that has already been completed. Thank you.  Better options to cancel need to be created. If a person does not need FAFSA completion assistance, your company should not take that person's money. This app seems misleading and the terms of the contract/deal should be spelled out in advance and a person should not have to search for them. We also need to know if you are going to complete the FAFSA regardless of whether we need assistance in advance so we will not use the app.

I would give it 0 stars. There is no way this company is legit or legal. I gave my whole information to them and then when they looked at my fafsa they kept saying that still need to sign my fafsa. My fafsa is signed. If you want to get scholarships or Grant's it's better to do it yourself.