Complain about a product or service

Credit Solutions of America

Addison/Richardson, TX

Marianne of Rindge, NH June 9, 2009

They continually call my home and work and when I ask to speak to someone to ask them to not call they hang up on me. I have tried each time they call to ask them to stop and the same thing happens

Donna of Baltimore, MD June 3, 2009

I have read all the complaints about Credit Solutions and I have to say I joined this program in January of 09 and have had nothing but good experiences with them. I have a very large amount of credit card debt and needed someone to help me. Unfortunately all the other places I called were too expensive for me. I have already paid off 2 of my creditors and am saving towards the others. Yes, I have been threatened about being taken to court but no one has yet. I guess I am in the minority on this but I am completely satisfied with them.

Carlos of Allentown , PA May 18, 2009

Well I was done with them due to the fact they where putting me with more debt and where not doing anything just collecting money. And then when i wanted to settle they representive told me she would call me back and never did. I cancelled cuase i did not like their service and after i cancelled they made two illegal transactions on my bank statment.

I was told from two representives that i would recieve an e-mail cliaming they recieved my fax and would get my refund and never did. When i called to find out what was going on they acted as if they never recieved a fax even thouh i have proof i did. And few rpresentives told me they did receive my fax and that i should receive the funds in my bank statement. And never did they claim they have not recieved so this is where im at now. It cuased my bank account to be overdrawn twice becuase of them.

Jocelyn of Vernon-Rockville, CT May 1, 2009

I called up credit solutions one night asking questions about there program because I have alot of medical bills that I needed help with. The following day I signed up with them and gave them all my information. I explained to them that some of the medical bills already had court dates if that made a diffrance and they said no. After signing up with them they were taking out monthly withdrawls from my account but not handleing any of my accounts. One of my accounts got to the point were the courts decided I would have to pay weekly. I called credit solutions and questioned this and they kept giving me false information.

After a couple of weeks I was very unconfortable with the situation and call credit solutions and told them that the account that was made in judgement against me in court I would be paying it like I was ordred and for them to take that off my account and re-calculate my monthly payments as well as overall because this was the largest bill on the account.

For months and months I called faxed copies of paperwork court papers and they stalled and stalled not sending me a new adendem as they call it. After many phonecalls and hearing crazy excuses about the wrong department it was not activated it was never requested and things like that I got scared. These people had taken over 1,200.00 out of my account for months. I made a bunch of calls and was on the phone for over an hour.

Finally I called and told them I would give them one more chance to get this issue resolved or I would be out we were not talking about a small amount of money. Then they never did that adendum. Then I spoke to this lady who stated they can only refund 375.00 I questioned why if the mistake was on there end. Ever since then I left messages and never recieved any phone calls back till this day.

Tracey of Eldon, MO May 8, 2009

Unsuccessful attempts to get our interest rates and monthly minimum payments reduced with telephone calls to the creditors prompted us to contact Credit Solutions in January 2008, for assistance in getting our accounts paid off. My husband was just getting ready to start college, and we knew that it would become harder to come up with the money to pay on cards we had quit using three months prior. Their program sounded too good to be true, the possibility of settling 13K for 6k and a fee of 1869? Who wouldn't take that opportunity to start again (without the burden of being trapped by credit card debt) if offered assistance? Being told to let our accounts go delinquent (they were only 30 days past due when we contacted CS- balances, payments, and interest rates were quite high), as it would provide better leverage for negotiating settlement of the accounts, as they could get them settled for half of what was owed somewhere between 40-60%. We followed their instructions, not to have any contact with our creditors after sending each a certified copy of Power of Attorney paperwork allowing Credit Solutions to act on our behalf, and giving the creditor line number to any creditors who continued to call; and began paying the fee and saving what we could as outlined in the Customer Enrollment package.

Sometime in June 2008, after months of voicemails and past due notices from creditors-we contacted CS, asking if there had been any settlement offers received from these creditors. The one CS representative who was good about returning calls (not as good in negotiating settlements anywhere close to the 40-60% as claimed in the Customer Enrollment Packet or early enrollment phone calls) stated that it was too soon, the accounts weren't delinquent enough, and inquired as to the amount of money we had saved at that time. It was agreed that we needed to continue saving, and wait for settlement offers to come in.

Our next call to CS was in October 2008 when I began receiving phone calls at work from a particular nasty creditor, who after identifying herself asked to verify my name and address, which I did. At that point, I informed the rep that they were not to contact me at my place of employment, and needed to call my credit advisor at CS. Days later we received correspondence from the credit representative telling us that the account had been turned over to a law office- which would be taking us to court. I immediately contacted CS, asking our rep why it had come to this, wasn't this the basis of their program helping people by negotiating settlement with our creditors in order to keep from being sued? The settlement took almost 2 weeks, as our rep told us that the creditor hadn't forwarded the Power of Attorney to the law office, so we went through that whole process again. Our rep (the only one to actually negotiate an account for less than owed, not the 40-60%) negotiated a settlement of 429, the account was only 638 when we enrolled). This prompted the flood gates to open..

We received another letter shortly after from a second creditor again informing us that the account had been turned over for court proceedings. Fortunately, we had been saving money as required, and still had a small amount left over from paying the first account, to make an initial payment to the creditor, and then had to agree to make 2 more monthly payments to get that account paid (this settlement caused hardship in paying basic monthly shelter expenses during the winter months, however did actually save a large amount of money), as we settled for 1000 less than original balance. However, 2009 was a new year, began saving money again, and anticipating the annual tax return money in hopes of getting the other 4 accounts settled before being forced into legal action on them. Didn't last long, March 26, 2009 we were served with a subpeona from HSBC. I immediately contact CS, and continue daily leaving several voicemails for our regular rep Calvin to return my call. A week and a half later finally resigned to being placed in que to be helped by next available credit specialist.. Explained that our regular rep hadn't returned any of my calls. Spoke with new rep questioned why we were receiving a subpeona, and why it had come to this? Again, repeating the same questions asked months earlier, wasn't this why we hired CS, to avoid being sued? Had there not been any settlement offers on this account either? I was told that I would now need to deal with the litigation department, as the regular reps weren't allowed to handle my account??

Spoke with a litigation specialist named Robert, who took down the information in order to contact the law office. I inquired as to when I could expect a return call, his response was by the end of the week, if I hadn't heard back to call or email him (he gave me his extension and told me that I could also email him, as he was capable of taking calls and corresponding by email while doing so). Left a voicemail at the end of the week, and sent a email to him asking for update. Calling back the next week I dialed my original rep, Calvin's extension, asking for assistance explained that Robert was supposed to have gotten back to me. I was then transferred to Sang and explained that I was upset, again repeated my spiel regarding the whole reason why we hired CS to avoid legal action and get this stuff paid off. He apologized for Robert's lack of response, "understanding my concern" he assured me that he was very successful in his abilities to settle litigation accounts, and if I would send a copy of the subpeona over (which I promptly had scanned and emailed to him) that he would get back to me ASAP. I stated my concern about how long ASAP would be... as it seemed the calls weren't currently being returned by anyone, that I was having to take my entire hour lunch just to make contact with them lately.

Sang did return my call, however only to inform me that this particular lawyer's office would not deal with credit solutions, and I would need to call and negotiate it myself, but to call CS back and let them know what was agreed upon. This upset me a little, as I was paying them to work with the creditors, why did I have to call the law office and negotiate my account? I let Sang know that this did not please me. I tried to negotiate this account with the law office, and felt I was unsuccessful, as in order to avoid going to court, we didn't have enough left from the money saved and tax return, so had to agree to monthly payments and will end up paying 800 more than the account was when we enrolled in credit solutions. There goes the savings from the last settled account. At this point, we were getting pretty worried, because the account with a "big balance" (a Capitol One card-the largest of the 6 accounts with a balance of 5100 when "enrolled in the program"), had yet to be settled... wondered if there would be another subpeona later in the week. It actually took 2 weeks for the next one to be served, and it was for the 'Big Balance".

The second subpoena showed up and they are now asking for 8430.27 plus interest and court costs. Contacted CS, unable to reach Sang, so have asked to speak to another litigation specialist, this time I get Tyrell, who is very regretful about the past problems, and gets an earful regarding this latest development. Together, we three way call this new law office, and are told that they were willing to settle for 4000 down and payments of 225mo at 24.90% for 24 months (more than the amount asked in the court documents-where is the 40-60% savings?) This account is the main reason why we enrolled in their program, as the other accounts would have been manageable. Another call to Tyrell a few days later to see if there is any other way to deal with this account in order to avoid going to court. He suggests the famous "can you borrow from family or friends line... " It really amazes me that they teach these reps this one, because hello!! By the time most people enroll in Credit Solutions program they have already borrowed from anywhere that they possible could have.. family, friends, loans, etc.. We ended up having to go to court on this one and are currently still in the middle of proceedings, (go back for trial on May 26th).

Michael of Spokane, WA April 20, 2009

I believe NCS is perpetrating a fraud on consumers by placing unwarranted collections on peoples credit reports from long ago and unconfirmed accounts with a Bmg Music Service in the hopes that the amounts are small enough that the consumer will pay rather than argue the claim.

loss of credit score

Virginia of Inlet, NY April 4, 2009

We signed up with Credit Solutions 3 months ago. We have made 3 payments of 600+, and they have done nothing for us. All creditors have contacted us and said we could negotiate directly with them. We have also been threatened with a lawsuit.

Out our 3 payments, credit score destroyed, stress, depression, aggrevation.

Janet of Wheatland, CA March 17, 2009

I was told they would clear up all my debt and repair the damage on my credit made by fraudulant use. I was told to stop making my credit card payments so they would have leverage with the companies. I was told none of my accounts would go to collection agencies when I stopped making payments. I was told I only had to pay 256 for 2 months 105 for 2 months. That was all lies.

They wanted 4000 and my accounts that were in good standing went to collection agency. When I told them they said fax the info to us and we will take care of it. Cost me 9.87 to fax and they did not do a thing. They are now haunting me for and I refuse to pay. Ca law is no more than 30 a month they can take, and I told them I couldn't afford their fees. I was lied to and made promises and now my accounts that I was current on are in collections.

They have done so much damage to me and my health as well for all the stress they have now caused me they have also added even more cost to me with medical expenses due to there actions. I don't know what to do and I need my money back to pay the bills I was told to not pay by them. Credit Soulutions have hurt me worse than what I was before they feed me all those out ragious lies.

Cannot get bills out of collections, medical costs have sky rocketed due to the stress and worry has caused health problems. Financial hardship and depression. Im a mess and I don't know how long or how much time its going to take to undo the damage they have caused me with their lies and empty promises.

Erik of 9325 Sunland Park Dr. #4, CA March 10, 2009

After Reading all the other complains what else do you want to hear. The only good thing I can say is that I'm not the only one who got screwed and my life got ruined. Just because they have a 1-800 number doesn't mean that they are a legitimate company. I don't have such an evil mind like these thieves so I couldn't think of such unbelievable things but now I've been through it and through much more. I guess I must consider myself stupid now because I fell for this and was with Credit Solutions for over a year and paid them every month it could have been over two years.

I had a great credit before and all I tried to do was make it better and reduce my debt but what I got in return was a larger debt and no more credit at all, *unbelievable* what you try to do and what you get in return. I went through so much depression and got into so many fights with my family and ended up as a heroin addict because otherwise I would have cared and gone to burn down their building and as many thieves as I could but just destroyed myself instead.

Hey I must look at the bright side, my family is still alive and I can be sorry for the fights and live my life all over since I have recovered from heroin and start over. What doesn't kill me does make me stronger? but another day may come that can let it out, I don't know I need help! I'm not evil I cannot do this much bad I don't belong here.

Today we have to watch out from those who supposedly protect and serve too because we are never sure which cop is the one that will take us behind the trash can beat us while handcuffed usually if you have a lot of cash on you only, hey if your lucky you will only get a ticket to go back to court for disorderly conduct instead of being shot a killed so what can I say that is also true God knows it is.

No more Credit, Destroyed, depressed, relapse on drugs, but still a big and clean heart from many others out there.

Chris of Laytonsville, MD March 6, 2009

I enrolled with Credit Solutions in Oct 2008 as our finances bubbled with the economic crisis and our small business sales dropped 85%. I was looking for help and heard about Credit Solutions on Oprah. Based on that endorsement, I called them to discus my matter. After a genuinely caring and responsive sales pitch, I signed up with the program thinking. Wow, this can really help! They told me to stop paying my creditors and to forward all collection calls and notices to them. Yeah right! That did nothing!

Phone calls night and day from creditors, most of which stated that they don't and will not work with Credit Solutions. Balances increasing with late fees and interest, notices in the mail, all the time, threatening charge-off and what-have-you. Also, don't expect Credit Solutions to actually provide you a financial analysis based on your income to even see if their service can benefit you. That's how I became screwed. 300 - 600 per month in Administrative fees paid to them, none of which gets applied to creditor balances.

To top it off, inconsistency between representatives about what you are actually paying for. I received private calls from most of my creditors wanting to negotiate settlements, one offered 17 cents on the dollar! Unfortunately, I was stuck paying Credit Solutions 600 per month so I didn't have the money to accept the settlement.

As of March 2009, Credit Solutions show no proof that I getting anything for my money. I am being called all the time with charge-off notices which soon means court and garnishment. If I never joined Credit Solutions, I would have over 2,000 that I could have paid towards these balances or even a Bankruptcy attorney. Credit Solutions is a farce.

Bottom line, everything Credit Solutions says they do, you can do just as easily; and you don't have to pay anybody extra money! My credit score went from 740 to 505 in 6 months all thanks to my false hopes in Credit Solutions. It's so unfortunate that in times of need, there are companies like this that just want to bury you deeper.

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