Consumer complaint received 2021-09-24
Company: Climb Credit Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I inquired into an online school named XXXX. I have XXXX and becuase of all the XXXX I have had, learning and processing can be hard for me at times. I have cogntive slowing because of all the XXXX. I thought this school might be a good fit but quickly realized I could not afford it and before I started, I asked for a refund. I felt pressured into signing a private Student Loan with Climb because the guy at XXXX told me to apply and I would get my tuition covered at XXXX. I applied but I didn't understand what I was signing. I didn't understand it wasn't like financial aid that I had at my community college or that I couldn't change my mind about attending the school. I have everything via email and text. Here it is in order : XX/XX/XXXX I inquired via text on XXXX website about the program. A woman named XXXX texted me back and scheduled a XXXX  call for XX/XX/XXXX. 
XX/XX/XXXX XXXX texted me a " personal video '' about the program and also sent me links to XXXX videos to learn more about the program. XXXX also set up a XXXX  meeting for me with XXXX XXXX on XX/XX/XXXX at XXXX CST. XXXXXXXX XXXX title : Career & Freelance Consultant. Phone XXXX email : XXXX. 
XX/XX/XXXX Email received from XXXX discussing 30 day challenge and free courses. 
XX/XX/XXXX Email received from XXXX XXXX with meeting time and date of XX/XX/XXXX at XXXX EST. 
XX/XX/XXXX I received a text from XXXX at XXXX EST requesting a scheduled meeting with XXXX XXXX rescheduled. The XXXX  meeting was then rescheduled with XXXX for XX/XX/XXXX at XXXX XXXX  CST. 
XX/XX/XXXX Email received from XXXX for rescheduled XXXX  meeting for XX/XX/XXXX at XXXX EST. 
XX/XX/XXXX Received text from XXXX to confirm meeting XX/XX/XXXX at XXXX. 
XX/XX/XXXX XXXX meet video call held with XXXX and myself to learn more about the program. 
XX/XX/XXXX I applied to Climb for the program. 
XX/XX/XXXX Ireceived a text from XXXX XXXX informing me that I would receive a call from XXXX XXXX on XX/XX/XXXX for onboarding. XXXX asked me how I was feeling and I replied " I am broke and can not afford the program ''. XXXX replied : " Okay, have you considered driving for XXXX, XXXX XXXX  or anything similar to that? You can easily make an extra $ XXXX/month and take care of everything ''. Then asked me : " Is there anything preventing you from doing that? ". 
XX/XX/XXXX I received an email stating I was officially enrolled in the program. 
XX/XX/XXXX I received an email from XXXX XXXX with instructions for onboarding. 
XX/XX/XXXX I received an email from XXXX XXXX with instructions on how to sign up on her calendar for an onboarding session. Phone : XXXX. 
Email : XXXX XX/XX/XXXX Email received from XXXX scheduling stating Onboarding session scheduled for XX/XX/XXXX at XXXX. 
XX/XX/XXXX Appointment reminder for rescheduled onboarding session at XXXX. 
XX/XX/XXXX Need to reschedule onboarding appointment received via email from XXXX XXXX. The onboarding appointment was then rescheduled for XX/XX/XXXX at XXXX XXXX  CDT. 
XX/XX/XXXX Video sent by XXXX for me to watch re : program. 
XX/XX/XXXX Received email from XXXX XXXX stating I was " all set ''. 
XX/XX/XXXX I emailed XXXX and asked for a refund. She referred me to XXXX. 
XX/XX/XXXX I contacted XXXX for a refund he said no refunds. 

I feel taken advantage of and I can not afford to pay this loan. I have not started the school. Please help advocate on my behalf with both Climb and XXXX for a refund in full.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation