Complain about a product or service

CareOne Credit Counseling

Dwight of Boonville, NC March 25, 2009

Stay away from this company. My father was ill and contracted with them to help him reduce his monthly credit card expenses. He was not finacially savy and was taken advantage of. His montly payments did not decrease (primarily due to the fee charged). He died in February, I called the company and a representative assured me that his contract would be terminated.

They are still drafting his checking account. When I called today to complained I was told your father was the only one on the account, we can only speak to him...I kept saying, he is no longer alive. This is a scam...stay away. They did not even have compasion for my father'd death...I am going to have to close his checking account to stop the drafts. Beware!!!!

Emotional stress and financial.

Laura of East Orange, NJ January 27, 2009

I was looking to clean up my credit and get out of debt. I have two daughters in college and I am a single mother who had not received child support for 13yrs. I was overwhelmed! I was told about the program from a friend who was excited about joining a debt consolidation program. I thought, this was easy so I collected my bills and I signed up. My bills totalled less than 3000.

After 15 months of paying my bills, I was curious to see when I was going to be paid up so I contacted Care One Credit services. I was told that I need to keep paying my 180 a month for another 9-10 months. According to my records, I had already paid 2700!!! I began to see more and more credit card bills and my balances are 100 higher now than when I began the program. It seems as if this program just took my money and didn't pay my debts.

My credit has been damaged beyond repair by this company. I can't get a job nor apply for a new apartment, car, or a checking account. My 2700 has not been applied to any of my credit card bills, I need a refund. I am stressed out, overwhelmed and receiving calls 5-10 times a day from my creditors.

Angela of Greer, SC January 14, 2009

I signed up for CareOne because like many I was overwhelmed with credit card debt. I was working at a job that didn't pay me enough for basic living expenses so I had to do something. But like the others, I have had trouble with them. They are not approachable with any problem. I told them that I lost my job but they still demanded that I pay the account after I asked for an extension. They do not care about anyone or anybody. I strongly suggest that people stay away from them. I am worried now about my credit score. I wrote them a letter to tell them I no longer wanted their services. As of yet, they have not stopped. I can't get out of debt no matter how hard I am trying because of these people. I am going to email them today to tell them I no longer want their services. I am also contacting all my credit card companies to let them know that I will make the payments again myself. Lord help us and this economy. Peeople like them are hurting all of us.

They are paying below the minimum payment on all the credit cards and the companies are still charging me financial fees. What good are they?

Barbara of Hawkinsville, GA December 9, 2008

One night I was curious to see if debt management would be the way for me to go since my personal circumstances have changed. After submitting my information, I found a link on the website that is a tool to repay your debts yourself without going through a counseling agency. I saw where that would be the better way for me to go since I can pay my monthly bills OK. Two hours after I submitted my information to CareOne, I sent them a letter telling them that I would like to cancel and that I would contact my creditors myself. I even called them the following morning to make sure they cancelled the service.

Today, I received a notice from my Discover Card that they were revoking my credit card due to my inability to pay. Which is FALSE. After calling Discover, I was told that they were contacted by an debt relief agency and that it was their policy to cancel credit cards when this happens. I called CareOne and was told that no one there contacted any creditors but that by me cancelling the account, a cancellation letter goes out to all the creditors and to me even though I never used their service. I cancelled after TWO HOURS. I was told that the computer system may have automatically sent out the letters in response to the cancellation.

Kimberly Claude was trying to help me out and was taking my plight to her supervisor. Kimberly emailed me after speaking to a supervisor and stated that there was nothing they could or would not do to help correct my problem. I have worked long and hard to build my credit up to a very decent level and did not want anything to jeopardize it. I mentioned this to CareOne and emphasized that I did not want to do anything to mar my credit rating. I was under the impression that my credit rating would not suffer. How can it not suffer when I'm getting letters telling me to cut up my credit cards because I can't repay them? I am expecting letters from my other credit card companies to follow suit, I'm sure.

I never realized how damaging this could be to someone. I never, in my wildest dreams, thought it would have gone this far.

Credit card(s) falsely revoked. Possible false reporting to credit bureau's

Cynthia of Lynchburg, VA November 12, 2007

I tried to get help from Care One Credit Counseling two months ago. I called and spoke with an agent who told me to make sure I paid my accounts until Care One would take over. It took them a month for the program to start. A week before they were to debit my checking account, they sent out proposals to the companies I owe to see if they would accept the amounts to pay each month. Most of these companies didn't even accept the proposal the first month. Since they didn't accept the amounts to be paid, they added a lot of late fees and over limit fees. The next month some had accepted the proposal but two still had not, so these companies added more fees. One of my credit card companies never did accept the program, and they added over 200 worth of fees that I am now trying to pay on my own. The other credit card was my husband's and they added over 100 worth of fees.

I called the credit card companies to explain to them what was going on, and they still would not take away the fees. On top of all of this, I'm paying Care One to handle the accounts, to do the contacting for me, but I had to be the one to call these companies to negotiate with them. So why should I be paying Care One every month to do nothing? I'm now canceling their services and amgoing to try to take over my accounts again. Before I started this program my accounts were never late, and at least the minimum was paid every month. Now these accounts are all messed up, and I don't know what to do.



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