Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Climb Credit Inc.
State: FL

Complaint narrative:
Heres text you can paste into the CFPB What happened? box ( no personal info included ). 

I am filing a complaint about a private student loan from Climb Credit used to finance a XXXX XXXX program at XXXX XXXX XXXX XXXX XXXX XXXX ). 

XXXX online platform experienced repeated outages and system failures over many months, which prevented me from progressing normally in the program. Their system was down or partially unusable for extended periods, and after they rebuilt it, key parts of the curriculum were still missing. For example, as of late XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX and related materials were not available in the system, and prior work from the earlier platform was not showing correctly. I emailed XXXX support about this and was told my case was escalated, but the missing curriculum was never fixed, so I could not complete required coursework. 


On or about XX/XX/year>, XXXX emailed me stating that my enrollment would end in XXXX business day and that, effective XX/XX/year>, they would cease offering my program track as they transition to new XXXX  training pathways. This means the school is unilaterally terminating my enrollment and discontinuing my program before I can finish, despite the fact that their own outages and incomplete curriculum are the reason I am not done. 


Climb Credit is now requiring me to enter repayment on this loan even though the program it financed has not been fully delivered and is being shut down. Climbs bootcamp loans generally do not provide inschool deferment, so I am being pushed into full repayment for an incomplete and prematurely terminated program. I have contacted Climb to dispute the debt and request hardship relief and a pause in repayment while I pursue remedies with XXXX, but I am very concerned that I will still be held responsible for the full balance and that this will damage my credit. 


Both XXXX and Climb Credit have recently been the subject of CFPB enforcement actions and public allegations involving deceptive marketing of student outcomes and predatory bootcamp lending. My situation fits the same pattern : I relied on representations that the program would provide a complete, jobfocused education with strong employment outcomes, but instead I received an unstable, incomplete program that is now being discontinued while I am left with a private loan and no reasonable path to finish. 


I am requesting that the CFPB ask Climb Credit and XXXX  to : Explain why I should be obligated to repay this loan in full when the school failed to provide the complete program and then shut it down before I could finish. 

Provide relief such as cancellation or reduction of the loan, or other appropriate remediation, given the schools nonperformance and misleading representations about program outcomes. 

Pause collection activity and negative credit reporting during the dispute. 

I am willing to provide copies of XXXX withdrawal email, my support tickets showing missing curriculum, and any correspondence with Climb Credit upon request.

Company response to consumer: Closed with explanation