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Tina of Sacramento CA (06/17/08)
I enrolled 10/2007 and they have done nothing to help me. All they have done is ruin my credit. I contintue to receive harrassing phone calls from the companies they were to be handling. One company had proposed a settlement and when I inquired with CSA to find ot if the company would allow me to make monthly installment they NEVER responded resulting in the company to deny the settlement. They have taken over $1,500 from and not one company has been paid this has soley been for them.
I am in a financial mess and my credit has been ruined because of them.
Alex of Astoria NY (04/30/08)
I joined Credit Solutions in 2006 for debt relief after a divorce. Since that time they have not settled any accounts, have taken over $2300 from me, told me NOT to appear in court after I received a summons. Because of that, a judgment was passed against me and my bank account was levied for twice the amount I owed. This happened on Dec 6, 2007. Since that time I have been getting the runaround, redirected, no solutions, no return calls after being told they would get back to me.
It is April 30, 2008 and my bank account is still frozen and they are doing nothing to help me. It is their fault and I demanded a refund. They keep giving me the runaround, put me on hold forever, say someone will get back to me and they never give me any answers.
My credit has been tarnished. I lost my bank account and all the money in it. It is still frozen. They took over $2300 in service fees from me.
Yolanda of Perris CA (04/30/08)
I called Credit solutions hoping that they would help me consolidate my credit cards without affecting me at all. The person I spoke with, told me that I can consolidate all of my accounts and make just one low payment a month. So I did it. One of my creditors call me last night and told me that if I don't make a payment now they're going to repossess my filter system. I talked to one of the representatives of Credit Solutions this morning and I told him my problem, he told me that the person who open my account with Credit Solutions was not supposed to accept the accounts that might had items that could be repossessed, he also told me that there's nothing they can do about.
Now I'm behind two months on two of my accounts, and the money that I had to buy food for the month, I have to use it to pay the late charges and the two months that I'm behind. I might be reported it to a collection agency. In my house I'm the only one who has a good credit. My husband and I are having a lot of problems (fights) because of this
Michael of Moriches NY (04/24/08)
By JD Power Assoc & CNBC recommendation, I went with Credit Solutions. I was skeptical in the beginning but my mistake went through with the process. After doing more research and having 3 months of fees taking out and no contact with my creditors, I called to cancel. One rep takes down my reasons and explains that I have to wait for a counselor to handle the cancelation. After waiting 5 minutes on the phone, the same rep says that they are experiencing high call volumes, try back another time. It has happened twice already
I am currently at a loss of over $900 for services that were never performed or attempted
Paul of Portland OR (01/15/08)
Like so many people I was caught in a financial cunch. I owed on 3 Credit cards;1. Visa=$1000 limit, 2.Providian+$3000 limit, 3. Sony=$7000limit. I paid off on Nos1&2 cards just as I applied for debt assistance in repayment as I was trying to fullfil obligation. Therefore,I had only #3 card to take care of,well, after C-Solns help, Not only was I paying them,but my debt rose by about 50%, C-Soln had collected hundreds from me and I had no proof as to what was happening to my account. Their web site could not give me any proper info.,and on two occusation after reaching their office after 2-6 hrs, yes it took me 6 hrs to get to their office, their phone receptionist hung up on my call after getting my info and never called me back.
J. of Eau Claire MI (12/09/07)
We joined Credit Solutions to help us get out of debt. We did everything they told us to do, including not paying our monthly payments to our creditors but instead started paying them! We have given them $5,ooo.oo and they have done nothing and we are now being sued! When I asked why they never followed up on this credito,r their response was, "We don't know why." We have now ruined our credit and are in the process of going to court for this lawsuit. Our lives have been ruined because of this company and they won't give us our money back! We are going to have to file for Bankruptcy!
We are out $5ooo.oo, our credit is ruined and we are fighting a law suit. This has destroyed our family and we could lose everything because we believed these people.
Alexandra of Roslyn Heights NY (11/02/07)
I have been calling and emailing with Credit Solutions representatives and have been left hanging on the status of my account. I was wondering please if someone could call me or email me back a status of my account. My bank accounts have been frozen, money has been seized by a creditor that was in the care of Credit Solutions, also there are liens and judgements against my name and house. I spoke with the Better Business Bureau and action has been taken. I would like all my issues rectified and the money I have paid Credit Solutions since I have been a member refunded to me. I am completely unhappy and dissatisfied with the service provided to me. This is a huge mess and I need immediate answers. I am at a complete stand still because of Credit Solutions.
Amy of South Dayton NY (10/23/07)
I signed up with Credit Solutions 9/1/06, with a Steven Newman (credit specialist). I signed Power of Attorney so they would speak to all creditors on my behalf. They advised me to stop payments, screen phone calls, send all paperwork I receive in the mail to them via fax. I gave them $323 per month for the first 3 months. Then half that for the remaining 14 months, saving the other half in an account. That was set aside to then be used to pay off creditors as they settled for me. I am now, one year later, with a frozen bank account, and threats from creditors to garnish my wages. I have been told by creditors that I began contacting myself, that no one from this company contacted them to settle. I was given false. damaging advice from Credit Solutions in several matters.
My credit is ruined. I have risked having wages garnished, and risk having a lien on land we dream of building a home on. We are at a very difficult financial situation today, and have two small children, and are stressed. I have hired a lawyer to assist us with this situation.
Linda of Saint Joseph MI (07/26/07)
In 2005, after fighting a family hardship which resulted in a terrible financial situation, I searched for someone who could help. I spoke with Credit Solutions, who told me that they could settle my debts for 40-60% of what I owed. The price for this service was 15% of my original debt. I agreed, believing that they were actually going to help me get out of debt within the 5 years that they promised. I would be expected to make monthly payments which would be applied to the debt as they settled it.
Now, here we are , two years later and only one of the ten accounts they promised to settle has been paid. In fact, the only ones who have really been paid is Credit Solutions themselves. They no longer will answer my phone calls and i have left dozens of messages with no response. At this point, I have been sued by most of my creditors, and am having my bank accounts garnished on a regular basis which is sending me into bankruptcy. Credit Solutions has not had any contact with me in months (except to take their payment out of my account) and I can't even get anyone to speak with me to close my account with them. They have not settled any more of my debt and at this point, I am out of options. What I really want is to tell others...Do NOT trust them...they will not do what they promise and I am in a much worse situation now than I was when I signed up with them two years ago. All I wanted was help and they basically scammed me out of fifteen thousand dollars that I didn't have to give them...I could have been in less debt just by sending that to my creditors. And have had a chance of a financial future that is now in shreds.
Debbie of Bristol TN (07/18/07)
I contacted credit solutions to try and reduce two credit card payments. I was told to write the companies and inform them of this. Credit solutions said they too would contact the companies. I was told not to talk to the credit card companies and credit solutions would handle everything as long as I made my monthly payments to them. I was made aware the money would be 'set aside' until a full payment could be made. I however believed the credit card companies had agreed to this arrangement because once a month credit solutions would call me and update. Everything according to them was in order.
After about a year of this I received a letter from an attorny with one of the credit card companies. I immediatly contacted Consumer Solutions and was told, 'oh, this is how it happens, don't worry we handle these things, they're just trying to threaten you'
This time I relied on my instinct instead of their advice and contacted the attorny. I settled the account myself and the only thing credit solutions did was congratulate me. A few months later, same scenerio with the other card. I contacted credit solutions and they did refund the money I had paid them, but because of my involvement with them my credit is ruined. I feel they misrepresented themselves by telling me they were handling everything when in fact I could have just not paid the bill and got the same results. They wasted a year of my life and a lifetime of previous excellent credit. I don't expect any monetary results from this I only want others to be made aware they will in fact hurt not help your credit.
Ko of Reseda CA (05/24/07)
We found this company from internet and offering credit card financial help, after talked with 1 of their representative, they assured us that the program will reduce the payment and will not hurt our credit score much. They told us to not contacting our credit cards company and let them take care the rest. They even saying that they're a power attorney specialized for helping a credit card customer like us. When the credit cards company starting to call and ask us, they keep insisting saying It's okay we take care of them, and after couple months we saw our credit score going down very fast, creditor called us, and they never respond our calls/emails.
Their irresponsible action causing our credit score damaged totally ( we're always paid the cards on time, but then they told us to stop and collect the money), now we have to face double credit card payment and creditor keep calling us. We tried to tell them stop charging our bank account, and now they spamming our phone to come back and using their service still.
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