Consumer complaint received 2026-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I signed a contract to enroll in a training course with XXXX  XXXX  ( XXXX ), who is based in XXXX but doing business in the United States as Job Guaranteed XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX ). 

XXXX  XXXX ) The biggest concern that I had during this Zoom meeting with the admissions personnel ( XXXX ) on XX/XX/XXXX, was that he required me to apply for a student loan with XXXX  XXXX  - while we were in the meeting, and with him guiding me on how to complete the application, and occasionally asking me to share my screen so he can view things. I did not have the option to complete the application outside of the meeting and at my own leisure. He wanted it done while on the Zoom call with me. 

XXXX XXXX ) Once the application was approved for a {$10000.00} loan, I was being contacted by XXXX ( XXXX XXXX ) frequently to ensure I went back into the XXXX  XXXX website and accepted the loan so they would receive the funds. 

XXXX XXXX ) I do not feel like I was given adequate time and opportunity to review XXXX XXXX XXXX XXXX XXXX XXXX ) 's contract or XXXX XXXX XXXX contract before being required to sign and submit everything. It turns out that both contracts only give you XXXX ( XXXX ) days to cancel- which I was unaware of at the time. 

I had a close family member admitted to the hospital and placed in intensive care on XX/XX/XXXX, and that particular week was occupied with the family emergency, work, and the holidays. My family member unexpectedly passed away on XX/XX/XXXX, which further complicated matters. 

XXXX XXXX does not have a phone number to contact them, and XXXX XXXX does not readily have phone numbers available, either. I verified and confirmed that XXXX XXXX had NOT released the loan funds to XXXX XXXX. I logged into XXXX  XXXX  to cancel/rescind the application, and was informed that I needed to contact the school directly. I wrote to XXXX on XX/XX/XXXX requesting unenrollment from the program. They promptly replied on XX/XX/XXXX, and said " no. '' I wrote back to them on XX/XX/XXXX with the following message : " Thanks again for responding. I understand that I am outside of the XXXX period, but I am still within XXXX  days ( which is reasonable ) and have not completed module XXXX in its entirety. I had to deal with an unexpected death in the family almost immediately after onboarding, and wasn't able to get in touch with you guys sooner. I am also in communication with XXXX XXXX 

" I know we are talking about money - which nobody wants to lose or return, but I am making a formal request to XXXX  as XXXX human to another. Aside from " extra guidance and support, '' any other assistance that can be provided specifically with this matter would be very much appreciated. Thank you all. '' As of the date of this submission ( XX/XX/XXXX ), they have not responded to that email. 

I made multiple attempts to communicate with XXXX XXXX and their loan servicer ( XXXX ) on XX/XX/XXXX - both by phone and through their online chat feature. They all told me that could not cancel or rescind the loan application - even though the funds had still not been dispersed to XXXX XXXX. 

On Friday, XX/XX/XXXX, I received emails from XXXX XXXX announcing that the funds were dispersed to XXXX, that I officially had an account number with them ( XXXX ), and providing me with the repayment schedule. 


I am seeking assistance by any means possible to cancel/rescind the XXXX XXXX XXXX and rescind my enrollment with XXXX XXXX XXXX I feel like the XXXX  methods were predatory and unfair - even if they advertise a quality training program. Although I was unaware of both agencies ' XXXX ( XXXX ) day clause in their contracts, I did make numerous attempts to resolve this issue within the first thirty ( XXXX ) days to no avail. For the record, I have not completed XXXX XXXX 's first module - so no " quality '' training or education was received or completed.

Company response to consumer: Closed with explanation