ComplaintsforCitizen Debt Services

• Initial Complaint

  07/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This is debt consolidation. Old contract was in May, 2025. After that they changed another contract to increase the total debt and increase the length of monthly payment from 48 to 52 then change again to 63 months. Also, they asked to open online bank account called *************** LLC account number: ****************. The total amount they have withdrawn is $1428 but the settlement has go no where. I contacted them on 07/11/2024 via etext with formal request to cancel the program and asking for refund. They said if I dont want it, they leave file there in case I change my mind in future. Until now I havent heard from anyone in response to my refund. They never mentioned the fees, now they said theyll charge 25% fee of the total debt amount $37,000. Please help I got a trap from this company.

  Business response

  07/31/2024

  We apologize for the inconvenience and negative experience you have encountered. We have tried to reach you via phone without success and appreciate this chance to address your concerns.
  Program Length Extension: Initially, your total debt was $29,001.97 with a 48-month program. Discrepancies in the initial debt amounts of three credit cards led to an adjusted debt of $32,025.34 after receiving your latest bank statements, extending the program to 54 months. We later identified an additional debt not included initially as it wasnt on the credit report at enrollment. After your approval, we added this debt, bringing the total to $37,280.34 and extending the program to 63 months to keep your monthly deposit the same.
  Settlement Progress: Your first deposit cleared on 05/08/2024, and we obtained a favorable offer on 05/17/2024. We began making payments to the creditor on 05/27/2024 using the funds in your dedicated account with GCS ****************
  Settlement Fees: we have been transparent that our fees are included in your monthly deposits, and we only collect fees once you agree to an offer and we start making payments to your creditors. To date, you have not incurred any additional fees beyond the agreed-upon monthly payments. We do not charge upfront fees or any amounts beyond what is stipulated.
  Cancellation: You could cancel the program at any time. However, canceling may impact the settlements we have secured for you. We work with your best interests in mind and aim to ensure you understand the potential risks before canceling. You are now on a good track with the negotiation plan, and your settlements are at a favorable rate.
  We value your feedback and regret any misunderstandings or negative experiences. Our aim is to provide the best possible program and service experience. We are committed to resolving your concerns comprehensively. Please pick up our call or contact us at your earliest convenience.
  Thank you for your patience and understanding.

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