| 10/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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Dear CFPB, Hoping your help in solving this so unfair situation where after more than {$10000.00} wired to this company, just the 50 % was applied to current debts. At least is good to know " XXXX XXXX '' is talking about same numbers we mentioned, however, conveniently for them, records has not been checked in a proper way. As known : Debt restructure program started at XXXX with the debt enrollment of {$14000.00} ; Target for Creditors Settlement {$7100.00} and a Settlement fee for Debt 0 {$2900.00}. This Debt restructure was revised in XXXX, and is the used settlement used for below calculation, with the debt enrollment of {$19000.00} ; Target for Creditors settlement {$10000.00} and Settlement fee for Debt 0 {$3800.00}. ( exhibit # 11 ). As explained in previous message, ( complaint email ), per your XXXX XXXX own delivered numbers, Debts paid by them on our name are : XXXX XXXX XXXX : {$2300.00} ( Exhibit # 3 ) - XXXX {$1200.00} ( Exhibit # 4 ) - XXXX XXXXXXXX XXXX XXXX : {$2200.00}, paid {$1500.00} ( Exhibit # 5 ) - Afni {$38.00} ( Exibit # 6 ) A total sum of these debs is : {$5000.00}. Adding the total Settlement amount to pay to XXXX XXXX : {$3200.00}, the Great Total is : XXXX. As per XXXX XXXX numbers, the amount of money wired by us to XXXX XXXX is a total {$10000.00}. In conclusion, by simple math, the amount of money to be returned must be : {$1900.00} instead of the {$880.00}. We received an email on XXXX XXXX, XXXX, signed by XXXX XXXX, XXXX XXXX, representative, indicating all the settlement to be paid by us to XXXX XXXX was already paid, thus, the statement on response of XXXX XXXX does not have any support. Questions are : How come, even, because the lack of communication from " XXXX XXXX '' we had to stop wiring funds, " XXXX XXXX '' has collected from us the total amount of money established on the settlement already, if these companies are not allowed to charge to customers in advance? In same email, XXXX XXXX indicates they already had the money to pay to XXXX XXXX for XXXX XXXX account, why didnt they do it? 3 ) Where is the copy of agreement " XXXX XXXX '' did with XXXX? NOTE : Mentioned email can be attached for your records immediate your request. Regards, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
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| 02/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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In XXXX the agency XXXX XXXX offered me a contract in which the agency negotiates with my creditors to repay my debt and rebuild my credit. We reached an agreement in XX/XX/2015 in which XXXX XXXX charged automatic monthly payments of {$350.00} using my checking account. The term agreed was 54 months for a total of {$19000.00}.
The accounts they agreed to pay off were the following : XXXX XXXX - {$9700.00} XXXX XXXX - {$8200.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX - {$970.00} XXXX XXXX XXXX XXXX XXXX - {$910.00} XXXX XXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX - {$110.00} XXXX XXXX XXXX XXXX XXXX - {$670.00} Total = {$26000.00} Although the terms of payments have lapsed and payments were paid in full as agreed, the agency XXXX XXXX has failed to fulfil their agreement of paying the accounts to restore my credit history. Recent credit reports indicate that the largest accounts have not been paid. I have contacted them in numerous occasions and spoken with one of their representatives. In the past the representative indicated that the debt payment is being handled and offered an option to extend my contract to a longer term. Since I had did not have the need for it, I did not extend the contract further but fulfilled all the agreed payments. Since contract term have lapsed and the debt is still showing on my credit report I have made numerous attempts to contact the representative again. However, I do not get a response or I am informed that the representative is on another call or unviable. I left my contact information for a call back numerous times by the representative who was handling my case but I never get called back.
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| 11/26/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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the company named is XXXX Main office XXXX XXXX XXXX XXXX XXXX fl XXXX phone number:XXXX The purpose of this company is to collect an specific amount from your bank account each month. In my case {$760.00} each month and place the money in escrow in a bank called XXXX XXXX XXXX to pay the creditors when they got settlement They stated that if the credit card call you do not answer the phone because they are going to lied to you.
In my case my husband answered a phone call from one of his creditors and informed him that this company has not called them or execute any kind of settlement. we called XXXX XXXX they did not answer the phones calls or put you in hold indefinitely. I have to go in person to resolve the issue. I request to receive my {$3000.00} back because they were not representing to us. The manager told me in person that all that money they are going to keep it because they were working in the accounts. they have {$120.00} administrative fee plus {$15.00} monthly service fee equal {$140.00} x four months equal {$560.00} they should return {$2400.00} they just placed back into my account {$450.00} When I called XXXX requesting my money in escrow they just saying that they return what ever amount XXXX XXXX tells them to do. I feel frustrated and robed from this company and I please ask you kindly to help me to recuperate my money
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| 12/13/2023 |
Yes |
- Debt or credit management
- Debt settlement
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- Didn't provide services promised
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Web |
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I hired this company in XXXX and started paying them on XX/XX/XXXX to reach an agreement with my credit cards. They promised that they would give me an answer in 2 months. I called in XXXX and they always said that they were in negotiations with the bank. They continued to charge in advance and on XX/XX/XXXX I contacted the bank and they told me that they had not communicated with them. On XX/XX/XXXX, I requested the cancellation of the program because my cards were out of payment for more than 6 months and one fell into XXXX. I myself started talking to the bank about my situation. This company supposedly began negotiating with the banks but I had already sent them my cancellation request and I have proof. They told me that since they had already spoken with the banks they could not return the money and they stole {$3700.00} from me. I made my payments from XX/XX/XXXX to XX/XX/XXXX. I received an email from this company where they say that they made negotiations with the banks, and they were no longer authorized to do so because I had canceled them, and the email said that they can not return the money to me because they did the work and it is a lie. They damaged my credit, stole from me, and acted without my authorization. I myself negotiated with the banks as soon as I canceled them!!!
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| 08/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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Dear Sirs, Two weeks ago you handled a complain between XXXX XXXX and us, you referred with the # XXXX. We do n't agree with the amount of the reimbursement XXXX XXXX sent. Numbers, as per same attachment XXXX XXXX sent, we have : Total amount deposited by us to XXXX XXXX : {$10.00} ( Exhibit # 2 ) XXXX already paid : - XXXX XXXX XXXX : {$2300.00} ( Exhibit # 3 ) - XXXX {$1200.00} ( Exhibit # 4 ) - XXXX XXXX XXXX XXXX : {$2200.00}, paid {$1500.00} ( Exhibit # 5 ) - XXXX {$38.00} ( Exibit # 6 ) - Settlement amount to pay to XXXX XXXX, {$3200.00} TOTAL DEBT PAID : {$8300.00} The amount to be returned must be {$1900.00} instead of {$880.00} already sent by check. Additional we need to know, having the money available, why you never complete the payment to XXXX XXXX? Is XXXX XXXX responsible If this agreement is no longer valid since payment were not done, if this is the case, how it will be handle since was your lack of dedication following up these accounts and not having done the payments. Besides, we need the agreements you signed with XXXX XXXX XXXX and XXXX. Looking forward your soon reply, Sincerely, XXXX XXXX and XXXX XXXX XXXX
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| 07/31/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Sign a debt negotiation agreement with XXXX XXXX XXXX/ and the XXXX program, debt resolution in XX/XX/XXXXXXXX and pay a monthly payment for 14 months ending in XX/XX/XXXXXXXX for the settlement of 4 credit card debts, one of them It was XXXX XXXX XXXX.
The negotiator made an agreement with the bank in XX/XX/XXXXXXXX of 4 payments, the last payment should be on XX/XX/XXXX and they made it on XX/XX/XXXX, late payment invalidated and made the agreement down according to a document issued by the bank and from the which I received a copy via email. 8 months later the negotiator does not respond to me and to date I have a current debt with XXXX XXXX XXXX that continues to affect my credit score.
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| 11/22/2023 |
Yes |
- Debt or credit management
- Debt settlement
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- Didn't provide services promised
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Web |
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I signed a contract with them on XX/XX/2023. They started debiting me from XX/XX/XXXX until XXXX and they never gave me a response and my card balances kept going up and they kept charging me without doing anything. In 7 months they did not negotiate my card balance with the bank, they debited me {$1500.00} and when I canceled with them they returned only {$860.00}. They damaged my credit irreversibly for 6 years or more by not paying or negotiating I have proof of the money debited. The company is deuda cero in XXXX XXXX XXXX, XXXX XXXX XXXX
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| 11/28/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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The company did not return the money that was owed to me in full of {$1500.00}, it only returned {$850.00} and they never did their talk with the bank, I already explained it. I call and email them and they don't return my calls.
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| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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- Problem with customer service
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Web |
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| 08/26/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
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Phone |
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| 02/06/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
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- Confusing or missing disclosures
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Fax |
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| 02/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Fax |
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| 07/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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| 05/11/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
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- Problem with customer service
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Fax |
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