Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/06/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had 3 credit cards totaling around $18000. I contacted them through an add I came across. I was told that 14 payments of $724 per month would resolve this debt. 1 card was paid off in the amount of $5500, the settlement was $2900. This program lasted for 3byears without any movement on the remaining cards with balance of around $11000. I made several calls to get updates and nothing was ever done. I was done making payments for over a year and they were still not making any progress. Everytime I called the *** would claim that they would personally handle this and get back to me within a week. I never heard back from them. I would call and get same thing everytime. Just excuses. I was getting calls everyday from creditors and they claimed that nobody has reached out to try and resolve the debt. When I called clarity back theybassured me that they have and the creditor was lying. I finally just asked for my money back and I got $7100 back. They did not do what they claimed they would do. I don't think they should be doing this to people who are already behind. I paid my payments every month on time. It came out of my account autopsy. Now I'm in a bad spot and have to try and negotiate for myself. This is what I paid them for and they didn't do it. This program started over 3 years ago. My credit has suffered because they couldn't finish. I deserve the money back they claim went to lawyers and fees.

  

  Business Response

  Date: 02/07/2025

  Hi ****,

  We appreciate you reaching out and sharing your concerns. Our team has made multiple attempts to reach you, including a recent call to discuss your BBB complaint, during which you chose to disconnect the call.

  Debt resolution timelines can vary based on creditor cooperation, and we understand that the process can be frustrating. We remain committed to assisting our clients and encourage you to contact us back at ************************************* or call us at ************ so we can go over your account details and next steps regarding your complaint.

  We look forward to speaking with you and hopefully coming to a resolution. 

  Thank you! 

• Initial Complaint

  Date:02/04/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Very deceptive practices. Prior to signing up for their service they state that they can settle your debts in ****** days for a fraction on the amounts. I've been under contract for over 9 months now and only one account has been settled. The settlement amount was indeed less as promised however the fees that they add on in addition to the settlement amount are almost the total owed anyway as well as several additional monthly fees. They keep asking for more money as well for legal protection. Each time I call I get the same " we are working on it" msg but no real updates or status. I can't get an honest answer out of anyone there.

  

  Business Response

  Date: 02/07/2025

  Hi ******,

  We appreciate the opportunity to address your concerns. Our team has been actively working on your accounts and has made multiple attempts to reach you via phone and email to address your concerns. We have also left voicemails in attempt to reach you. 

  Each settlement process is unique and depends on creditor cooperation, which can sometimes extend timelines beyond initial estimates. We remain committed to working on your behalf and ensuring the best possible resolution. Please reach out to us directly at ************************************* or give us a call at ************ so we can discuss your account in more detail.

  Thank you! We look forward to speaking with you! 

• Initial Complaint

  Date:01/29/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Clarity Debt Resolution, **** failed to provide services as outlined in our ************** Agreement. They failed to retain legal representation for a case that was filed against me despite my payment for the *************************************** Plan". They have done nothing on all but one of my accounts causing all of the accounts to go to legal. I have called repeatedly to ask for updates and each time was told "it is in process" - yet nothing was being done. In total I have paid them $7,751.93 in Fees for services not preformed.

  

  Business Response

  Date: 02/03/2025

  Hi *******,

  Thank you for reaching out and sharing your concerns. We understand your frustration/

  After reviewing your account, we see that our team was actively working on your case, including sending the required Power of Attorney (POA) documents to the law firm. However, we understand that you were expecting more timely updates and clearer communication regarding the status of your accounts. We regret any miscommunication that may have occurred.

  Regarding the legal services plan, we recognize your concerns and have submitted your refund request for review. While we cannot guarantee approval, we will ensure it is given thorough consideration. Our team will follow up with you directly regarding the outcome.

  We value your feedback and appreciate the opportunity to address your concerns. If you have any further questions, please dont hesitate to reach out to our help desk team at *****************************************************************.

  Thank you! 

• Initial Complaint

  Date:01/22/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Pues la compaa clarity resolution me cobr ** de $2000.00dlls. Por nada solo por extraer mi dinero automticamente de mi banco por 18 meses promedio que me ayudara a resolver un problema con una agencia de coleccin y nunca me ayudaron en lo absoluto yo solo llegu a un acuerdo con el acreedor espero y que puedan ayudarme con esto muchas gracias atte.****** *****

  

  Business Response

  Date: 01/24/2025

  Hola ******,

  Gracias por compartir tu experiencia. En Clarity Resolution, nos esforzamos por brindar soluciones efectivas y una comunicacin transparente a todos nuestros clientes.
  Nos gustara investigar este asunto ** a fondo para entender qu sucedi y cmo podemos solucionarlo. Nos pondremos en contacto contigo directamente para abordar este tema. Por favor, no dudes en comunicarte con nuestro equipo de soporte en ************************************* para que podamos revisar tu caso y ayudarte directamente.
  Tu satisfaccin es muy importante para nosotros, y agradecemos la oportunidad de resolver esto contigo.

  
  

• Initial Complaint

  Date:01/18/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After finding myself in a bad place financially I agreed to a program being offered by Clarity Debt Resolutions In which I would pay a certain amount of money each month into an escrow *************** would negotiate settlement deals with the companies I owed for lesser than the original amount About two months ago I got a notice from one of the companies (representing ******************** that they filed court paperwork, but part of my plan with Clarity included what they refer to as Total Legal so I was covered (or so I thought)I soon after received a notice from their legal team stating that they need $400 plus dollars for filling fees!I immediately contacted Clarity to let them know I didnt have any excess money at this time. I also provided two possible solutions: that they could file the financial hardship paperwork in my behalf or provide me with a *****month on my monthly payments & pull the filling fee from there.I also requested a call back from a manager or supervisor to further discuss the situation to insure it had been taken care of (but NOBODY EVER RETURNED ANY OF MY PHONE CALLS)The only call I received was my monthly review ******** asked at that time what was the status of the issue & was told everything looked ok on their end Last week I received in the mail a request for a summary judgment against me because nobody bothered to appear on my behalf or file a response or do *************** never informed me of this & actually told me that everything was ok.Nobody from their legal team or from their leadership will return my phone ********* can it be ok for them to not represent me & not inform me that Im not being legally represented over a filling fee???

  

  Business Response

  Date: 01/23/2025

  Hi *******,

  Thank you for taking the time to share your concerns. At Clarity, we are committed to supporting our clients, and its clear that we fell short in providing the communication and resolution you needed. We also regret that our responses during your calls did not fully address your concerns or provide the clarity you deserved. We appreciate the opportunity to speak with you on the phone yesterday so that we could provide some Clarity on your accounts. If you have any further questions, we encourage you to reach out to our Help Desk team for any additional updates or concerns.

  Thank you! 

• Initial Complaint

  Date:01/10/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On December 31, 2024, I requested that my account with the program be closed and I was told that I would receive a refund in 3-5 business days. It has been 7 business days and I still have not received my refund. This has been an inconvenience.

  

  Business Response

  Date: 01/11/2025

  Hi Mercedes,

  Thank you for reaching out and sharing your concerns. Ive looked into your file and see that your refund was scheduled on January 10, 2025. Depending on your financial institution, it may take a few additional business days for the refund to reflect in your account.

  We sincerely apologize for any inconvenience this delay may have caused and appreciate your patience. If you have any further questions or need additional assistance, please dont hesitate to contact us directly at *****************************************************************.

  Thank you for allowing us the opportunity to address your concerns.

• Initial Complaint

  Date:01/09/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear Better Business Bureau,I am writing to formally express my concerns and grievances regarding persistent communication from Clarity Debt Resolution, ***** despite my clear request to cancel my application and discontinue any further contact.Since January 4, 2025, I have received numerous calls from representatives of Clarity Debt Resolution, insisting that I must remain in their program. I have explicitly informed them that I am no longer interested and have requested that they cancel my application. Despite this, the calls have continued unabated.I believe this ongoing contact is not only unwelcome but also a violation of my request for cancellation. I am asking the Better Business Bureau to intervene on my behalf and assist in resolving this matter. I kindly request that you contact Clarity Debt Resolution, **** at *************************************************************************************************************, and ask them to cease all communications with me regarding their program.Thank you for your attention to this matter. I appreciate your assistance and look forward to your prompt response.Sincerely,****** *****

  

  Business Response

  Date: 01/11/2025

  ******,

  Thank you for bringing your concerns to our attention. At Clarity, we take matters like this very seriously and are committed to resolving any issues promptly.

  Unfortunately, we are unable to locate your account in our system using the email, address, phone number, or name you provided. To help us address your concerns and ensure no further communication is made, we kindly ask that you provide us with your account details or the contact information associated with your account.

  Once we receive this information, we will immediately investigate the matter and take all necessary steps to resolve it to your satisfaction.

  Thank you for your patience, and we sincerely apologize for any inconvenience caused.

• Initial Complaint

  Date:12/23/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  From October 2023 to September 2024, I have paid them approximately $3,120.00 to fix my credit and negotiate my debts, however I did not obtain any results, in fact, I have been sued in court. This company did nothing for me and their customer service area practically told me that they didn't care about my claim because I had signed a contract.They just took my money and did absolutely nothing! I demand my money back.I am very disappointed in your service and customer service.

  

  Business Response

  Date: 12/30/2024

  Thank you for sharing your feedback. We are truly sorry to hear about your experience and the challenges youve faced. We understand how frustrating it must be to feel that your efforts to improve your financial situation have not resulted in the expected outcomes, and we deeply regret that our services did not meet your needs.
  We take your concerns very seriously and would like to investigate your case in detail to understand what went wrong and how we can address the situation. We also want to ensure that our communication and customer service improve, as we value each of our clients and strive to provide the best possible support. Our goal is to resolve any issues promptly and fairly, and were committed to working with you to find the best resolution. We appreciate your patience and look forward to the opportunity to make things right. We look forward to speaking with you. 

• Initial Complaint

  Date:12/18/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Joined Clarity/Debt Hunch debt relief plan in 02/2024. I was told to pay $728 per month for 48 months and 2 accounts would be settled. I was told no prepayment ******************* would NEVER go up. So far, 10 months & 10 payments ($7,300) & they inform me today that I owe over $40,000. My initial debt was around $45,000. That would mean I'd be paying OVER what I initially owed, which makes no sense whatsoever. The original plan: 48 months at $728 per month = approximately $35,000. I've now made 10 payments of $7,300, which means I owe 38 more payments (38 x $728 = $27,664 owed) I told them on the phone today that I don't mind paying what we agreed to @ $27,664 but they've lost their minds if they think I'm going to pay an extra dime. ***** this corrupt company at all costs. Only thing left for me to do is take these frauds to court.

  

  Business Response

  Date: 12/25/2024

  Thank you for your feedback. We sincerely apologize for the frustration and confusion you are experiencing. We understand your concerns about the terms and progress of your debt relief plan. Our goal is always to provide clarity and support to our clients, and we regret that weve fallen short in your case.

  Wed appreciate the opportunity to review your account details and resolve any discrepancies. We want to ensure you have a clear understanding of your payment structure and how your debt is being managed. A supervisor will be reaching out to you if they have not already, and well work with you to address your concerns and find a satisfactory resolution.

  Again, were sorry for any misunderstanding and are committed to helping you move forward.

  Customer Answer

  Date: 12/27/2024

  I have a clear understanding of my payment plans. Do you? 48 payments of $728.57 which I was told would never change with no pre-payment penalty. I'm now left with 38 payments @ $728.57 = $27,686 (already paid 10 payments)

  Person on the phone the other day said I owed around $40,000. My original debt was around $45,000. I've already paid you $7,286 + $40,000 = $47,286. Why would I pay you more than the previous debt I owed? That makes no sense & it will not happen.

   I will pay what was agreed upon back in February of this year (38 more payments of $728.57 or a lump sum of $27,686) I hope you understand that you will NOT be getting any additional money from me.

   

  

  Business Response

  Date: 12/30/2024

  Hi there!

  Looks like we have been trying to get ahold of you to address this complaint but we have not heard back. Our team has left voicemails and emails leading up to the Holiday but we have not heard back from you. Please give us a call back so we can address your concerns and hopefully come to a resolution!

  Thank you!

• Initial Complaint

  Date:12/12/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im 2022 I contracted with ************ services for debt consolidation and everything was fine. I was able to access my client portal, there was open communication with from those handling my accounts and things were promptly being taken care of. At some point Clarity took over and everything went downhill! My portal no longer works and no one communicates with me. This company failed to respond to a 10 day intent to sue notification that I provided as soon as I received. As a result I was summoned for a hearing on the debt. After hounding them and getting the run around they filed a response at the last minute. The debtor agreed to lump sum payment and ******* had me apply for some loan financed through them. I got approved but Clarty took zero action and my approval expired and I had to reapply. Now the date for the lump sum payment has come and gone. The attorney reached out the my account person,*****, and told them they need to call and make the payment. This was at 4:30 pm today and no one from Clarity even bothered to respond! I am so frustrated! I have asked for contact information so I could speak to someone at a higher level but no one will provide me any contact information. This company has been taking $379 from every month and this is the type of service I get!!

  

  Business Response

  Date: 12/18/2024

  Thank you for sharing your feedback and bringing these concerns to our attention. We sincerely apologize for the challenges youve faced, and were committed to improving your experience with Clarity.

  To address your concerns:
  - We scheduled a three-way call with Upstart on Friday to ensure the necessary actions are taken.
  - We provided you with a brief update on all your accounts and explained the cause of the delay. I also assured you that we aim to have all your accounts settled within the next month.

  To improve communication, We shared a direct email with you and will provide weekly updates moving forward, as requested. Your satisfaction is important to us, and were here to assist with any additional questions or concerns.

  Thank you for your patience as we work to resolve these matters.