Consumer complaint received 2025-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Climb Credit Inc.
State: TX

Complaint narrative:
I enrolled in a " XXXX XXXX XXXX XXXX XXXX '' course advertised as a joint program between XXXX and XXXX XXXX  for {$2500.00}. The companies engaged in misleading advertising and failed to deliver promised services across multiple areas. 

Misleading Partnership Claims : The course was marketed as providing an official certificate from XXXX XXXX. However, XXXX XXXX  had no actual involvement in the teaching processonly random online instructors were used. Instead of an official certificate, I received only a worthless digital badge similar to any basic online course. 

XXXX Partnership Failures : The program included " career assistance services '' handled by XXXX, which resulted in multiple paid services that completely failed to deliver : Resume Distribution Service ( {$50.00} ) : After months of payment, zero recruiters contacted me. The service generated no job leads. 

XXXX XXXX ( {$75.00} ) : Received only XXXX basic applications where the system simply filled in personal informationwork I could have completed myself in minutes. No resume tailoring, cover letters, or meaningful assistance was provided. 

XXXX  XXXX : The tool failed to parse my existing resume, causing data loss and broken formatting, making it unusable. 

AI Resume Writing : XXXX created an obviously AI-generated resume using minimal input. The XXXX bloated document resulted in XXXX interviews from over XXXX job applications. 

Dangerous AI Auto-Submission : The AI tool automatically submitted my information to companies even after I immediately canceled the command following a test run. This unauthorized submission potentially damaged my credit and showed the company failed to test their AI product before release, using it as a deceptive tool to extract money from customers. 

Substandard Course Content : Despite advertising " hands-on learning '' with platforms like XXXX and XXXX XXXX XXXX the course provided limited tool coverage, repetitive content, and basic projects that didn't translate to real-world skills. The content failed to match the advertised XXXX hour comprehensive curriculum. 

Actions Taken : I completed the full course, paid additional fees for XXXX services, and followed all program requirements. Despite fulfilling my obligations, none of the promised outcomes materialized. I attempted to contact XXXX via email multiple times regarding the refund request and issues with their XXXX partnership, but they have ignored my communications and failed to respond to my concerns. 

Financing Through Climb Credit : The course was financed through Climb Credit, who provided the loan for the {$2500.00} tuition. As the lending partner, Climb Credit facilitated this transaction for a program that was fundamentally misrepresented through false advertising about XXXX XXXX  involvement and failed to deliver promised career outcomes. 

Financial Impact : Course tuition financed through Climb Credit : {$2500.00} Ongoing loan payments to Climb Credit for fraudulent services Total financial loss : $ XXXX The companies used misleading advertising about university partnerships, delivered substandard services through unvetted third-party partners, and failed to provide promised career advancement tools, constituting deceptive business practices.

Company response to consumer: Closed with explanation