Consumer complaint received 2025-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I filled out a basic interest form for a school called " XXXX XXXX XXXX XXXX XXXX' A representative contacted me and guided me through a digital signature process on XXXX XXXX, claiming it was part of the applicationnot a loan agreement. I never agreed to a loan and never received any services or access from the school. 

After the call, I received an email from Climb Credit saying there was a problem locating my credit due to a typo in the SSN or name. Based on that email, I believed the application had failed or been canceled. I never received clear confirmation or follow-up. 

Despite this, XXXX XXXX disbursed {$11000.00} to the school and added a loan under my nameeven though there was an SSN mismatch. 

I never accessed the course, never received any support, and made multiple attempts to contact the school ( via email and XXXX XXXX which were ignored. I also immediately sent emails asking for cancellation and clarity, and I later disputed the loan with Climb Credit on XX/XX/XXXX, and filed a police report for suspected identity misuse. 

Climb Credit responded six months later with a denial, despite my supporting evidence. This loan has severely harmed my credit score, even though I did not knowingly or willingly enroll, and I have attached screenshots, emails, police reports, and the contract in dispute. 

XXXX XXXX Messages & Login Attempts Screenshots of failed logins and XXXX invites showing that I was never successfully onboarded to the program. 

These include messages that were either ignored or show I had no access to the educational content. 

Proves I never attended or engaged with the program. 

2. Emails with the School / Recruiter Includes my emails to the representative asking for clarification and cancellation. 

Shows I did not agree to begin the program and tried to stop the process. 

XXXX. Email from Climb Credit About Application Error Email stating that there was a problem processing my SSN or name, which led me to believe the loan or application did not go through. 

This shows I had no clear confirmation of loan approval, and the system itself flagged an issue. 

4. Contract / Agreement A copy of the signed contract which is under dispute.

I never understood this as a final loan agreement, and I was misled during a Teams call with high-pressure tactics.

I was never given a full chance to cancel or revoke.

5. Climb Credit Fraud Denial Letter Letter received from Climb Credit on XX/XX/XXXX, denying my fraud dispute after 6 months. 

No clear reason was given, despite the evidence of identity mismatch and no service delivery. 

XXXX. Police Report I filed a police report for suspected identity misuse and fraud involving this loan. 

The report was submitted in good faith to protect myself and shows I followed appropriate channels. 

XXXX Credit Report Screenshots Shows negative tradeline from Climb Credit affecting my score. 

This loan has caused serious harm to my credit, even though I never attended the program or agreed to the loan terms knowingly.

Company response to consumer: Closed with explanation