Customer ReviewsforInCharge Debt Solutions

11/28/2023 I was a client back in 2021 on a Debt Management Program, I appreciate your agency for paying most of my debt off and restoring my credit history I’m being very responsible with my credit rating history as a account owner If people ask me about your agency I’ll highly recommend your agency Incharge Debt Solutions DMP Program Former Client I Appreciate Your Agency, DUSTIN ****** JR

Hello Dustin, thank you for leaving us a review about your experience with our service and we are honored to hear about your achievements ever since! Do not hesitate to contact us should you have any additional questions. Sincerely -InCharge Debt Solutions

I've been with InCharge Debt Solutions since July 2020, entrusting them with managing 4 credit cards under a 49-month program. All was well until credit card companies began flagging missed payments due to a surprise account closure by InCharge 36 months into the 49 months agreement. Not only did this lead to unpaid accounts and late fees, but also a likely blow to my credit score. InCharge’s response? A mere two phone calls and one letter to an outdated address within a single week. Not a single email, no follow-up communication, and absolutely no opportunity for me to correct the upcoming situation or even be informed of the closure. Their approach reflects a startling neglect for due diligence and an absolute disregard for my financial health. It is a haunting prospect to think that I could have remained oblivious to InCharge's terminated services for months had my credit card companies not alerted me. It's distressing to witness a company, responsible for managing debt affecting credit scores, halt services without ensuring thorough customer communication. Being an IT Support professional, I can attest to the standard practice of multiple outreach attempts across diverse platforms before closing a ticket. Even for minor issues, our protocol involves leaving a voicemail, sending an email, a text message, and an instant message, all over a period of time to account for potential absences. It's startling to observe that InCharge failed to meet this elementary standard when handling something as critical as my financial future. In summary, my experience with InCharge Debt Solutions has become profoundly unsatisfactory. Their lack of effective communication, sudden account closure, and apathy towards customer trust and financial security is deeply concerning. I strongly advise potential customers to consider these shortcomings before entrusting InCharge with their financial stability.

Thank you for giving us the opportunity to speak with you over the phone on 8/1/2023 and discuss what had transpired on your account. More importantly, we thank you for allowing us to be of service to you, as you move closer to achieving your financial dreams. However, we are sorry to have received this feedback because it is important to us that you achieve your financial goal. Our records show that on 4/18/23 and 5/18/23, which are respectively 60 days and 30 days before the Debt Management Program (DMP) closed, letters were mailed to you explaining that your agreement must be renewed and requested that you fill out the required documentation. On 5/22/23, the letter mailed in April was returned by the Post Office indicating that the mail was undeliverable. Following the undeliverable mail, one of our representatives called and left voice messages on 6/9/23 and 6/13/23 requesting you to contact us. We did not receive any callback from you which resulted in the closure of the DMP on 7/26/23. We do not see that the representative attempted to contact you through email and we will share this opportunity with the relevant department as feedback. Additionally, we would like to stress the importance of keeping your mailing address updated to be kept informed through all communication channels. We are hopeful that our response brings clarity to what occurred. Should you have any questions or would like to discuss anything further, do not hesitate to contact us. Sincerely, InCharge Debt Solutions

If I could give 0 stars I would. I have much to say and limited characters so let me jump right in. They told me over the phone they will try to negotiate lower rates for me in my payments due to my current work situation. They over the recorded phone call told me they would lock or freeze accounts until they are paid off and then they would unlock them after the debts were paid off to be used. Instead, they closed all my accounts and I cannot reopen my accounts. I lost all my cards and their limits that were built up from having good standing credit over the years until an incident at work which hurt me financially (I recovered now less than a year later and am doing much much better financially). I attempted contact with them multiple times and they didn't respond, and then when i continued to attempt contact it just went to a dialtone immediately after dialing as if my number was blocked or black listed. They have done terrible things to my accounts and history on it I don't recommend this company to anyone. All they do is try to manage which account gets your money and when it gets your money. This is easily done by yourself, you don't need them for anything, you all are smart enough to manage your accounts, call your credit card companies if you struggle and they will help you and consult you on recommendations. Do anything but use this company. I made my first 213 payment, they put 43 to my discover and then on the 1st of the next month made a 1 dollar payment to discover again. With that 213 they only made 1 23 dollar payment to my capital one account. Where did the rest of the money go? they did want a 75 dollar start up charge, sure, they said there wasn't a monthly charge just a 1 time fee of 75 and it would be separate from the payments of 213. So even factoring in a 75 dollar charge.. I'm confused to where this money went. They probably took it for all I know. I am collecting data from companies to seek legal action. FRAUD COMPANY; DON'T USE!!!!!

InCharge’s Mission is to help consumers achieve financial balance, moving them closer to their dreams and we are sorry to hear that we did not meet this expectation for you. An attempt was made to speak with you directly on 7/26/23 and we could only leave you a voice message. Our records show that during the counseling session you completed in March 2023, our credit counselor provided you a walkthrough on how our service works for you as a client. This included giving you an explanation that your enrolled creditors will close your accounts to establish the benefits of a lower payment and interest rates. Making a commitment to financial discipline is key. When you’re enrolled in a debt management program, creditors require you to close your credit cards so as not to incur additional debt. The information that was shared with you during your counseling session can be found in your client agreement. With regards to the payment you made through our program, our records do show that the funds were disbursed to all your enrolled creditors as of 3/28/23. However, there was one creditor that did not clear their payment we sent them. As a result, an $89.00 refund was mailed to you on 6/20/23. That payment was returned to us by the Post Office with a forwarding address on 7/14/23, therefore we will process the refund to the forwarding address. Lastly, our records do not show inbound contact being made by the telephone number we have for you on file. However, you may have attempted to call us after business hours which would result in the reason you could not reach our Client Services department. Please know that our Client Services department is available at (888) 734-6229 Monday-Friday from 8:00am to 6:00pm EST. We are hopeful that this response addresses your concerns. Additionally, we will be emailing you separately a copy of your client agreement, the refund letter and a full accounting statement showing all payments you have made through InCharge. Should you have any additional questions, do not hesitate to contact us directly. Sincerely, InCharge Debt Solutions

They constantly send me spam even though i've never done business with them.

Hello Matt,

We are sorry to hear about this feedback. Your contact information has been removed so you will not receive communication from InCharge. Our records show that you were seeking services relevant to what our organization offers on June 28th, 2022, and was given an introduction through our website. This resulted in an email being sent to you, giving you a little more information on the financial literacy we offer to consumers for free.

-Best Regards, Jayson W. InCharge Debt Solutions

I never sough anything from you. All you did was negligently put a form available on the internet which allows others to sign up targeted people to leverage your service as part of a harassment campaign. You could have easily fixed this as so many reputable websites have done by requiring email validation before signing someone up to a email list, *************************************************************** *************** designing your business processes, you didn't. *************************************************************** *************************************************************** ************************************************

I was in need of open and wise financial advice without being taken advantage of. I searched "government recommended debt consolidation" which took me to USA.gov, which listed the NFCC first. Arriving at NFCC, I called the national toll-free number, and was directed to In-Charge Debt Solutions, a non-profit company. I was greeted by Angel at In-Charge. He was professional, kind, and genuinely caring and helpful. The experience of this, and a very important point was made that could be what is needed in understanding and finding our way through our current circumstance. It is inspiring and a breath of fresh air, and we are grateful companies and help like this exists.

Hello Charles, thank you for your time leaving us a review! We will certainly share your recent experience with our organization. Do not hesitate to contact us should you have any additional questions.

Sincerely -InCharge Debt Solutions

They did exactly what they promised in our initial conversations. Lowered my interest rates so much that I am able to pay off the balance of debt years ahead of schedule. I honestly don't know how I would have managed long term without this program. If you do your research, read the contract and make sure to ask all the questions regarding payment set up ahead of time, then you should receive no surprises.

Hello Stephanie, thank you for leaving us a review! It is no surprise that you live our vision by moving closer to your financial dreams. We applaud you on all the success that you have worked hard for!

Best Regards,
InCharge Debt Solutions

I cannot say thank you enough to InCharge for helping me become 90% debt free as of today. My InCharge account will be completely paid off within 60 days. My starting balance was over $37K and I am able to pay it off under the 4 years of the program. I was overwhelmed with interest rates/fees and really didn't want to file bankruptcy. Without their help or the program, I don't know where I would be. Again thank you, thank you, thank you! The customer service reps are always so understanding and nice. InCharge really was a life saver for me.

Thank you for leaving us a review! We will certainly share your compliments with the team. And most importantly, we congratulate you on reaching this milestone! To see the financial goal you've accomplished, the sky's the limit!
-Sincerely, InCharge Debt Solutions

I've been trying to resolve an issue of concern regarding an account that doesn't seem to be credited with payment consistently and was blown off by indifferent emails and dismissive customer service agent. The balance shown on the credit card doesn't match what they are saying but apparently I am just a pest so no help.

Dear Ms. ******,
We appreciate your time in leaving us a review and we are sorry to hear about this. Further research shows you contacted us through your I'm InCharge online account, concerning one of your creditors and the crediting of its payment. On February 10th and February 15, 2022, our Customer Support representative had provided you with the details of your recent payment's disbursement date. However, we understand that another concern you had was related to the account's balance and we would like the opportunity to address it. I attempted to reach you but could only leave a voice message with my contact information. Please contact us at your earliest convenience. -Sincerely, Jayson W. InCharge Debt Solutions Customer Support Specialist

Beware that when you set up a payment to get taken out of your bank account on a certain day, they will request and withdraw 2-3 days early. Apparently, dates mean nothing to them. They blame the bank every time, but payment dates are agreed upon and payment is requested by InCharge. It is InCharge in the wrong and they consistently blame the bank. If I had bill pay set through the bank and the bank dispersed early, then that is a bank issue. That's not the case here. InCharge processes payments and request early. The bank has no knowledge of my agreed upon payment date. Despite my complaints, they continue to do the same thing. If I agree to a payment on the 24th, that means you process payment on the 24th, not the 21st. I am angry and feel taken advantage of because it keeps happening. There is a reason for the payment date chosen. I'm almost paid off and happy about that. I'll be glad to be finished and will not recommend because of the above mentioned issue.

Dear Ms. *****,
I am sorry to hear about the inconvenience you've experienced. Further review on our end shows that your payment was scheduled for 1/24/2022.
We had contacted you after receiving your email related to the concern on January 24, 2022. However, we could only reach your voice message and provide callback information. We would like the opportunity to speak with you and help find clarity on what had transpired. I have emailed you separately, my contact information. We look forward to assisting you. -Sincerely, Jayson W. InCharge Debt Solutions
Customer Support Specialist

Very good company. They got me a interest reduction and I was able to payoff my debt early highly recommended

David,

Congratulations on your success paying off your debt (early!) on our debt management program. We really appreciate you taking the time to share your experience with others.

-InCharge Debt Solutions