Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Ben Franklin Finance LLC
State: TX

Complaint narrative:
This happen that has happened to others fraud here is a my research on this company I want this removed immediately under the XXXX fair resolution for identity theft would involve ensuring that all fraudulent activity is fully removed from your accounts and credit reports, and that any harm caused by the theft is rectified. Key components 1. Removal of Fraudulent Charges and Accounts Immediate removal of unauthorized charges from your accounts. Closure of fraudulent accounts or loans opened in your name. Full reversal of any financial damage caused by the theft. 2. Correction of Your Credit Report Elimination of all inaccuracies or fraudulent information from your credit report. Free credit monitoring services provided by creditors or reporting agencies to prevent further damage. 3. Restoration of Funds Refund of any money lost due to fraudulent transactions. Waiver of fees or penalties incurred because of identity theft ( e.g., late fees, overdraft fees ). 4. Prevention and Support Issuance of a new Social Security number ( if necessary and applicable ). Access to resources to prevent future identity theft ( e.g., fraud alerts, credit freezes, identity theft protection services ). 5. Peace of Mind Written confirmation from creditors and credit bureaus that all disputes have been resolved. Assurance that your credit standing has been fully restored to its correct score this is a list of people they have scammed and should be shutdown this is ridiculous how they keep misleading and scamming people and putting things on their credit that is theft and fraudulent I did not sign anything and do not owe them anything Date : XX/XX/XXXX Type : Product Issues Status : AnsweredMore info I was recruited by XXXX XXXX XXXX  to obtain my XXXX through their program. Money was deducted from my account for this program however when I attempted to enroll the college I was referred to had no money from * * * XXXX and I was not able to enroll. Now Several years later XXXX still dealing with a Student Loan I Never Received and this is affecting my Credit. Im So Tired Of Trying To Get this Issue Resolved. This program is a Fraud and I want my money back that was taken from me. 
Business Response Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We did research your enrollment and what you report does not match our records. We show that you actually paid less than {$600.00} on your account and then defaulted. Your account was then placed with collections. In checking with the program administrator, we also found that you did not complete any of the 11 courses that you purchased. This might have been the reason you were denied access to the college. There are other reasons college admissions could be denied including but not limited to, low XXXX on other college transcripts, if XXXX was your goal, a background check might have been an issue, or for financial reasons. We have no way of knowing what transpired between you and the college, but we are willing to work with you to resolve your account and typically the program XXXX will also help reinstate you as a student even though your enrollment has expired since your enrollment date of XX/XX/XXXX. Please feel free to contact us with any further questions or concerns. 
Initial Complaint Date : XX/XX/XXXX Type : Service or Repair Issues Status : AnsweredMore info I applied for Distant Learning System .But decided not attend and never paid admission enrollment. Yet XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX says I owe them money for what. Never was enrolled. Classes are blocked. Who got the money I never received any money. 
Business Response Date : XX/XX/XXXX Thank you for contacting us with your question. In researching your account, we found the following. You enrolled in your program consisting of XXXX classes and XXXX labs on XX/XX/XXXX. When you enrolled, you completed a full enrollment package including the enrollment form itself with a promise to pay which included a full financing package wherein you requested that the cost of your program be financed. The company you enrolled with honored your enrollment including your financing agreement and made classes available. You are correct ; you have made no payments on the financial commitment you made and after nearly a year of attempting to service your debt your account was sent to collections. We are sorry you have not utilized the program you purchased. Had you done so, it is reasonable to believe that you would have graduated or been near graduation at this point. If you do not have original copies of your financing and enrollment agreements, we would be happy to help you acquire those. It is our understanding that if you resolve your account, the company you enrolled with would be happy to have you back as a student. Thank you again for contacting us and we hope to be able to serve you in the future. 
Initial Complaint Date : XX/XX/XXXX Type : Product Issues Status : AnsweredMore info I enrolled with a school that turned out to be fraudulent. I have called XXXX XXXX XXXX XXXX XXXX and repeatedly told them not to take anything of my account until next month. They don't listen and still took out of my bank account and leaving us in the negative. I don't appreciate anything that they do and therefore I would like to get a refund back. 
Business Response Date : XX/XX/XXXX We are sorry for any confusion. We can only process payments that the customer has agreed to in writing. We are puzzled as to why your comment referred to as fraudulent. We are a licensed company serving thousands of customers operating lawfully, in full compliance with all government regulations and operating within the bounds of the contract. If there is anything we can help with we would love to hear from you. 
Initial Complaint Date : XX/XX/XXXX Type : Order Issues Status : AnsweredMore info I thought I was signing up for school with XXXX XXXX for my XXXX no one told me they was taking a loan out in my name they stated I had to pay the enrollment fee and {$60.00} to get the online materials then they started taking money from my account for 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  which was never mentioned nor did I authorize it this school and the company is a fraud theyre tryn to charge me XXXX and some change and they is messing my credit up no on is honest nor truthful when signing you up this company and school is very deceitful I asked them to drop me from the school and classes and no one replied but instead they reported this on my credit and its crazy you guys got multiple complaints about the same XXXX company and yet nothing is been done all you guys do is send the same response to every complaint Business Response Date : XX/XX/XXXX Thank you for taking the time to contact us. You XXXX also use our toll-free number to speak to a representative. When you completed your enrollment paperwork you also included a credit application for the loan you referred to in your complaint. We provided financing based on the request and the application you submitted. We know that the company you enrolled with works with a number of American colleges and universities and that the courses your purchased will transfer into your program. If you have any questions regarding your enrollment, we would ask that you contact the provider. If you have any additional questions regarding your financing, please feel free to contact us. We are here to help. 
Initial Complaint Date : XX/XX/XXXX Type : Service or Repair Issues Status : AnsweredMore info Hello. I received a phone call last year from 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 They told me I could take classes through them, and once I finished I would be able to apply for The XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The recruiter said I needed like XXXX classes before I could switch to the school. Once I got off the phone, I did research and decided it was not for me. I did not pay the down payment they required for me to enroll because I informed the school I did not need to go through them because Western Governors told me I could take those same classes at their College. A few months later, I started receiving invoices from Ben Franklin finance XXXX stating I owe them like XXXX XXXX XXXX XXXX XXXX. I informed them that I have never done business with them and that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never mentioned them when they was going over the classes and procedures. They told me, I would pay the school directly. Now 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 had reported that I owe them to the credit reporting Agencies. This has impacted my credit report and credit score. Last week they sent me an invoice stating they would XXXX XXXX XXXX  me. This company basically is fraud, and they have partner with Distant learning center to scam innocent people that just want to go to school while they continue to work a full-time job. They will not provide the original supposedly contract that they say I signed. XXXX XXXX not put you in a payment contract if you have never attended and do not want to attend this 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 I have read over XXXX complaints about this company and yall are allowing the company to harass people on this reporting website as well. Please investigate this company, XXXX both are fraudulent companies. I never paid any money to this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I do not even know who they are. I never paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  because I did not want to waste my time attending this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only wanted to go to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why would I just give my money to them for free.

Company response to consumer: Closed with explanation