Consumer complaint received 2025-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Goal Structured Solutions, LLC
State: NJ

Complaint narrative:
I was unemployed when I was targeted by a deceptive job posting on XXXX that led to a so-called 100 % job placement program offered by XXXX XXXX XXXX XXXX XXXX XXXX This group misrepresented itself as a legitimate school and pressured me into a private student loan originated by XXXXXXXX XXXX XXXX XXXX XXXX  ) and serviced by Launch Servicing LLC. 

The program delivered no legitimate XXXXXXXX XXXX training, no placement ever occurred, and was declared complete while I remained unemployed. I attempted to exit the program three times : the first time I was told Id owe {$12000.00}, and the other two times I was ignored. I have a recording of XXXX XXXX instructing me to contact the creditor for alternative payment options clear evidence of coordination between the scam group and the financial entities. 

Launch Servicing responded to CFPB Complaint # XXXX stating that a refund is pending. This is misleading. XXXX XXXX is not a legitimate school and has not issued any refund. I do not have access to Launchs website or account tools. I was rushed through the loan setup by XXXX XXXX, who collected my sensitive information and coordinated the loan. 

The program did nothing for the first XXXX days after loan disbursement. I believe this delay was intentional designed to secure funds and build infrastructure before delivering anything. This is supported by metadata showing the XXXX XXXX website was created and updated during that same window, suggesting the program was not operational when the loan was initiated. Additionally, the tradeline appears as Launch Servicing Llc instead of LLC, which may violate FCRA standards and further complicates dispute automation. 

Both the creditor and servicer continue to deflect responsibility while my credit suffers. I am attaching : Screenshot showing Launch Servicing Llc tradeline Email from XXXX XXXX promising 100 % job placement Original XXXX job posting that led to this entrapment Images documenting my three exit attempts, including the $ XXXX demand and two ignored requests CFPB action against XXXX XXXXXXXX XXXX XXXX showing XXXX XXXX  website creation and update dates, which align with the loan disbursement and initial program inactivity I have filed multiple complaints with the creditor and contacted several state attorney generals. I do not have the financial means to hire legal counsel, so I will continue filing complaints until this is resolved. This tradeline must be removed from my credit report, and Launch Servicing must pursue the refund from XXXX XXXX not me. 

Related Complaint Numbers : Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent to FTC, XXXXXX/XX/year> ) Additionally, there is an ongoing litigation involving XXXX XXXX from last year. If CFPB is aware of this, my case may serve as supporting evidence. XXXX XXXX  claims a refund was issued, yet the full loan balance remains suggesting they accepted XXXX XXXX false claim that the program was completed. I will be filing a separate complaint regarding this misrepresentation.

Company response to consumer: Closed with explanation