Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Universal Account Servicing, LLC
State: CA

Complaint narrative:
I applied to this school after attending a tour that made the program seem promising and student-focused. I was encouraged to enroll and take out loans under the impression that I would receive a quality education and strong employment support. The presentation painted a very appealing picture and made me feel like a valued XXXX 

Unfortunately, that experience turned out to be misleading. While the initial instructor for the first module had some knowledge, Ive since realized, through my own self-teaching, that the instruction was limited. The second instructor, who taught the later modules, frequently fell asleep in class, watched food videos during lessons, and kept us in class until XXXX XXXX., even though other students were allowed to leave after only an hour. For virtual classes, he rarely showed up ; when he did, he simply played XXXX videos. 

Throughout most of my time there, the classroom lacked the necessary equipment for hands-on learning. I raised these concerns with the school multiple times but received no real support. I eventually spoke with the then-president, XXXX XXXX, who assured me the issues would be addressed. While a few supplies were provided a month later, they were still far from adequate to meet the learning standards we were promised. 

This experience felt like a disservice, not only to me but to all of my classmates. I do not believe its fair to be burdened with a substantial loan for an education that was incomplete and, in many ways, self-taught due to the lack of resources and proper instruction. 

( Ive tried to attach my email and am not able to upload it ) Attached is the transcript of it : XXXX XXXX XXXX Good evening, XXXX XXXX I am currently enrolled in the XXXX XXXX at your campus in XXXX. I am coming to you today to express my concern with the program and hopefully be able have my concerns addressed. 
We have had no materials to work with in the class room since XXXX. I tried reaching out to you and was ultimately transferred to multiple staff members on XX/XX/year> at XXXX XXXX. They all let me know you were in a meeting and therefore not available. I received a call back from XXXX XXXX on that same day at XXXXXXXX XXXX She was aware of the lack of materials in the XXXX XXXX and I was assured at that time that this matter would be escalated and it would be approximately another 2 weeks due to the upcoming holiday. I felt that it wasn't good enough but there was no other choice but than to wait, yet again. Today, it is now XXXX. it's XXXX weeks since that call and we still have no materials to work with in the classroom. Now, if you calculate we have been out of materials for about 3 months. This is unacceptable and quiet frankly I would say the school is not following through with setting us students up for success. 
How is this possible? We as students are paying a hefty amount to attend this college to get the proper training, and so far it has been unsatisfactory. I do not know how the college expects us to be able to learn and be hands on and ready for the trade if the training is just not there. We lack the materials to do so. I do not feel that this okay to keep attending if the instructor does not have the appropriate tools/ equipment or material to be able to teach us. 
I would really appreciate your attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation