Consumer complaint received 2024-02-02
Company: USCB Corporation
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Issue where my lender is my school
Sub-issue: Cannot graduate, receive diploma, or get transcript due to money owed

Complaint:
I started XXXX XXXX around XXXX of XXXX i believe, i was very excited to start XXXX XXXX XXXX, my only problem is its not in a hands on classroom only online. my grades was a success, i mean i made nothing under a XXXX  average, everything was an Grade " XXXX XXXX or a high " XXXX i was excited, i knew it would be a journey but i was prepared, the problem arose months later when it was very hard communicating with student services, having to make online appts for the professor at XXXX to assit you with passwords locks, and system errors, and complications with the web pages, and apps, now i purchased a brand new laptop which was not the problem.I was determined to finish and complete the course so i vigoursly studied and put in extra time to take not just one test a week but actually 2-3 in which im sure my professor was impressed because when i did hear back from him he was bragging that i was doing extremely well and my grades were excellent. i was proud of myself. there was problems out of the website for XXXX and no matter how long it took i was dedicated to trying to resolve it with the school, uncfortunately it was still glitchy ad was not trying to put me in the system not for tests because i had not one problem with that only with the XXXX XXXX XXXX  downloadable app, in which there was no problem installing on my device, but the school system was kicking me out and saying my password was incorrect even after me and the professor with back and forth online, and even via communicating over the phone to get the correct info for log in but to no avail i was still receiving error messages on my end and he exhausted i guess. soon after my mother who lived around the corner suddenly got ill within a month time and then she passed away and i and my children had four more overwhelming tragic deaths that hit our family hard, and it was too overwhelming, so i took like 2 months off of class work but by then i was already at 89 % of completion and my grade point average i believe then went from an XXXX average to like a XXXX grade point average if not mistaken, i was heartbroken, and couldn't concentrate on studies, i basically was still determined to keep going when i was able to mentally and emotionally just finish and give it my all, the school offered a deference for like 2-3 months for me which i was totally grateful and i i think that may have started in XXXX of XXXX i believe, or stopped at XXXX XXXX either way i did have to start back paying like {$100.00} or {$100.00} dollars per month. so the total school contract was like XXXX so i paid from XXXX to XXXX and i know i sent off a payment certainly XX/XX/XXXX, in which all of my payments came out of Persons banking company from my debit card each month and i can provide statements to CFPB to prove that. also i was being charged a late fee in which included if i was like a day late i believe but from my understanding my payments was on auto draft, but however since my email was hacked and i had to get new card issued out also because it was lost/stolen from that bank it may have tried on those cards unsure but i also did let XXXX know i would continue paying them but then they had sent my school account as delinquent to a collection agency several of months later, and by then i was no longer residing at that same address, my landlord decided to sale the property as opposed to continue to rent it out, i was in aggreance since i was there for 7 years and needed to move to an difference environment and raise my family. i was although displaced, and after covid hit there was extinuating circumstances that prevented people from renting, and there was discriminatory practices, scams, and monetary issues with people that prevented certain things, everything was higher, unavoidable emergenies, and financial situations. i did try to continue my payment plan witht he school, and told them i wanted my certificate, they refused me receiving it saying " its just like you have to start all over again and repay the same thing you already paid out to us from the beginning '', i didnt feel this was necessary or even fair because i paid out that already i think in actuality i had two months left of paying my balance off but the school would not allow it they wanted the balance of XXXX all over again. like i said i have proof of all the times i sent them money to the school because each payment i screenshot it and it was withdrawn from my bank account. i just had like one assignment left to do in that classroom in which there was several print outs on web of their school that i did satisfactory complete that assignment, there was no professor in site after the last password tech issues i was facing, come to find out the school did mention they kicked me out the system after a late payment but soon after i paid it i still couldnt retrieve the correct password and log in like i had before so basically iwas on that site for two days on the last part of the course, i had like the pharmacy scripts, and the test for that and the exam, and i emailed professor, called XXXX XXXX XXXXXXXX XXXX, even decided to come to norcross in which they forbid because they said no students come to campus or whatnot, so my communication was limited, i had no assistance, unsure what happened to the professor but his emails and the appts online was going ignore/unanswered,. from my understanding the school had to give me externship via XXXX and another pharmacy companies in which they did in fact state and then there was drug testing from a lab in area, and background checks, even testing centers available to do the certification, but thats a misconception, deception, false advertisemtn whatever you want to call it because soon as you are about to finish the course they will tell you otherwise about how you have to go through another process that they never told you about, now i could of received licensing through another government agency as long as i was enrolled in XXXX so i really didnt need the certification, also received job offers from XXXX  pharmacy even with a license pharmacy didnt need a certification, they train, and pay for XXXX but XXXX was withholding things, like when the testing center requested that they pay like XXXX does state when students go to test at the XXXX XXXX in georgia they pay themselves, that info was disceptive because they said we are not going to pay. so its a false advertising just to get your money. so now im stuff without ac career or the income that i previous had and they are wanting me to pay back two years worth of money i paid within a year to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation