Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX XXXX University XXXX XXXX I purchased on XX/XX/year>, of which XXXX was financed through XXXX XXXX. I am requesting assistance because the merchant misrepresented the service, withheld key terms until after payment, pressured me during the sales process, failed to deliver the coaching and support that were contractually promised, induced me to proceed under false pretenses through false advertising and coached loan application fraud, and enforced a no refund policy that violates the platforms terms of service. Their no refund policy violates the platforms terms of service. Teachable requires that all standard courses include a minimum 14 day refund policy. Exceptions apply only to coaching products, digital download products, or bundles that include those elements. This program does not qualify for those exceptions, as it does not use Teachables built in coaching tools and does not provide dedicated digital download products. Therefore, the stated no refund policy is in violation of the platforms terms of service. In addition, within the terms of service, there is a link intended to direct users to a full terms of purchase page. This link leads to an empty page. Summary of Issues I was instructed to enter an inflated income on my financing applications. During the sales call, the representative XXXX XXXX told me to just put a high number like XXXX for the income portion of my XXXX and XXXX XXXX applications. This was presented as a normal part of the process, and I relied on his guidance because he was walking me through the steps in real time. The refund policy was not shown until after payment. I was pressured to complete the purchase quickly and was not shown the refund policy until after the transaction was completed. I was discouraged from reading the full agreement before signing. The service was misrepresented. I was told the platform was custom built for me, but after joining, I discovered it was generic and identical to what other clients received. This was a material factor in my decision to purchase. I was pressured to sign without reviewing the contract. The representative pushed me to complete the payment immediately and did not allow reasonable time to review the terms. Important terms, including the no refund clause, were only visible after payment. Failure of delivery and nonperformance. The program promised ongoing coaching and support for 12 months. However, the coaching was not delivered as described. The XXXX website later became inaccessible, resulting in a 404 error, and no coaching or support has been available for an extended period. This represents nonperformance of a material part of the service. Evidence Provided I have the following documentation : Signed contract onboarding form Screenshots of the platform Checkout links Comparison materials showing the platform was not custom Timeline of events and communication XXXX PayPal Credit financing records I can provide all documentation upon request. Attempts to Resolve I attempted to resolve this directly with the merchant, but they stopped responding and the program became inactive. The website is now inaccessible, and no coaching or support has been available for a significant period. I filed a dispute with my lender, and I am seeking CFPB assistance because the merchant failed to deliver the service I paid for, instructed me to enter inflated income on financing applications, and withheld key terms until after payment.

Company response to consumer: Closed with explanation