Consumer complaint received 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MOHELA
State: TX

Complaint narrative:
I want to share my experience with XXXX, formerly known as XXXX XXXX, to warn others about what I believe is a deceptive and predatory operation masked as a legitimate career development program. What seemed like an opportunity to break into the tech industry turned out to be a carefully crafted scam that has caused financial and emotional distress to many peopleincluding myself. From the beginning, XXXX used aggressive and manipulative marketing tactics to create a false sense of urgency, pressuring people to enroll under the promise of a pay after you get a job model. In reality, I was unknowingly locked into a {$35000.00} private loan, falsely framed as a student loan, with no clear explanation of the terms, no refund policy, and no transparency. Once the short grace period ended, repayment beganregardless of whether a job had been secured, which neither I nor anyone I knew from the program ever attained. 

The program itself lacked structure, consistency, and substance. Instruction was shallow, job support was ineffective, and there was no clear path to success. Worse yet, when members began raising legitimate concernsabout the quality of training, job placement failures, or financial discrepanciesSymposia responded by revoking access to essential resources like job boards, support groups, and communication platforms, punishing those who spoke out instead of addressing the problems. 

Even more alarming is the company 's inconsistent and unethical financial practices. XXXX charged different participants vastly different prices for the exact same programwith some people receiving access completely for free, others paying reduced rates as low as {$5000.00}, and another group, including myself, coerced into taking out a private {$35000.00} loan with interest. There was no transparency about these pricing differences, and those of us forced into the loan were never informed of the change in cost structure or that others were being offered drastically different terms. The bait-and-switch tactics were both unethical and exploitative. 

Several former employees have come forward to confirm these deceptive practices and warn others, further validating that this is not just a case of a few dissatisfied studentsit is a pattern of systemic dishonesty. The companys quiet rebranding from XXXX XXXX to XXXX in 2024 was a calculated move to distance itself from mounting complaints and negative attention. 

XXXX preys on people who are simply trying to build better futures, trapping them in overwhelming debt while offering nothing in return. I urge anyone considering this program to do extensive research, demand complete clarity and written terms, and have all documents reviewed by a legal professional. Please do not make the mistake I didthis program is not what it claims to be, and the consequences can be devastating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation