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:11/04/2024

  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.

  Clarity deals in unethical behavior. They took 534$ out of my bank account with out permission.

  

  Business Response

  Date: 11/10/2024

  We understand how frustrating this experience has been, and we apologize for any stress caused. From our recent conversations, its clear there were challenges in communication around your October request to skip the November draft. Were glad to hear that the payment was stopped successfully on your end, and were here to help work toward a resolution.

  Regarding the updates to your account with ***************, we understand the impact the changes in term and draft amount had on your finances, and we apologize for not proactively addressing the term exception given your circumstances. Your experience with the recent summons for *********** is certainly difficult, especially given the limited access to scanning and faxing resources in your area.

  Please know that were committed to helping you avoid default judgment or other outcomes youre concerned about. Well follow up with you to confirm the *** revocation and next steps. Thank you for sharing your feedback; its invaluable in improving how we support our clients.

  Thank you. 

• Initial Complaint

  Date:10/18/2024

  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.

  March 2024 through sept 2024 I went with this company to for debt resolution! This place only deserves a negative review! I wish I had read the reviews before I started with them. I was with them for 7 months paid 478 a month they settled one bill paid them ****** per month but the invoice stated it took ****** to actually write the check and pay them. Out of the ****** each month.Meanwhile creditors were calling | was told to send letters and basically handle myself I asked what they were there for (no answer) every thing was a run around! I was finally tired of no answers I quit them after 7 months and all that was left in my so called account was 20 dollars!! just stealing your money! It was a constant run around and being told I was to do things I was sent letters to send creditors with no letter head of theres to put my number not theres. ***** ******

  

  Business Response

  Date: 10/21/2024

  Hi *****,

  We appreciate you bringing your concerns to our attention, and were sorry to hear about your experience. We take this feedback seriously and want to address the issues youve raised.

  Its concerning to learn that you felt communication was unclear and that the process didnt meet your expectations. Our goal is to assist our clients through every step of the debt resolution process, and we regret that you were left feeling unsupported. Regarding the fees, we would be happy to review the charges and explain the settlement process in more detail, including how funds were applied to your account.

  We will be reaching out to you directly so we can further investigate your request for a refund and work towards a resolution.

  Thank you again for your feedback, and we look forward to the opportunity to address this matter.

• Initial Complaint

  Date:10/16/2024

  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.

  My complaint involves the resolution of debts for me and my wife. Clarity was tasked with resolving only my credit card debts, and our collective loans. We preselected from a list of which cards and which accounts we wanted to include. Last week, my wife logged into her Discover card account and found out it was closed because Clarity had contacted them through Power of **** to resolve the debt. This was after she had made a payment a few days before to pay the balance in full. This was extremely problematic and worrisome because my wifes credit cards were not to be touched, and she has to report debt resolution services for her security clearance. When contacted, Clarity acknowledged the blatant mistake (they sent some automated message with MY account number but addressed with her name) and only offered to remove the *** from the Discover account. Because ********************** acknowledged that this was their mistake, they should offer more assistance because this has serious implications for my wifes credit and security clearance. They have not followed up with me, as they indicated they would, to make sure this mistake was corrected. Finally, they should contact Discover to try to salvage my wifes oldest credit account because this has already impacted her credit score. I have included an image of the accounts we selected to enroll, which shows that my wifes account should not have been touched.

  

  Business Response

  Date: 10/21/2024

  Hi there,

  Thank you for bringing your concerns to our attention. We sincerely apologize for the confusion and distress caused by our handling of your accounts. We understand the importance of maintaining the integrity of your wifes credit status.

  Its unacceptable that your wifes Discover account was mistakenly included in the debt resolution process, and we appreciate you providing us with the details of this situation. Our team will immediately reach out to you to address this issue.

  Additionally, we will ensure that you receive consistent updates.

  Thank you for your patience and understanding as we work to resolve this matter.

  Customer Answer

  Date: 10/23/2024

  While I appreciate the response, neither I nor my wife have received an email or call with the corrective action plan for my issue. We believe we are still receiving computer-automated messages, and no actual people are addressing our issue. 

  

  Business Response

  Date: 10/28/2024

  Hi there,

  Were sorry for the frustration this has caused and understand the importance of having your concerns addressed personally!

  I do see that we have been in touch with your wife and after reviewing the account, we can confirm that weve been actively working to clarify and resolve the issue around the Power of Attorney (POA) documentation. We understand there was some confusion regarding the account enrollment, and we want to reassure you that only the enrolled Discover account had a POA submitted. As of your recent request, we've since sent a revocation for that POA and have issued one for the new account you've provided.

  In response to your request for further documentation, we've submitted a request to obtain a copy of the original POA, though were unable to guarantee availability of this document directly from the creditor.

  We appreciate your patience as we work through this with you and your wife. If theres anything further we can clarify, please dont hesitate to reach out.

• Initial Complaint

  Date:10/15/2024

  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.

  I have been dealing with clarity for months. I have been told multiple different things. Every time I call they tell me a different story. They have told me accounts are closed that are still open. My credit score is still being negatively affected. I spend hours on the phone with them because they call me multiple times a week to tell me a different story every time. They schedule payments, dont collect and then call back needing more money than the original person had asked for. I have been doing this over a year and have asked multiple times for them to just give me a total for pay off and nobody can seem to give me a total. This is the biggest scam I have ever seen. Please please please help other people not to fall victim to these thieves.

  

  Business Response

  Date: 10/21/2024

  Hi there, *******! 

  We sincerely apologize for the frustration you've experienced, and we appreciate you taking the time to share your feedback. Its clear that the communication has fallen short of your expectations, and this is not the service that we aim to provide. I have noted that we were able to speak with you on 10/17/24. We hope that we were able to address all of your questions. Our goal is to help you regain control of your finances without additional stress. Please do not hesitate to reach out to us if you have any concerns going forward!

  Thank you for your patience, and we are dedicated to improving our service for you.

• Initial Complaint

  Date:10/08/2024

  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.

  I entered into a debt resolution program with this company in October of 2023. I ended up with them by applying for a debt consolidation loan- they said i did not qualify for a loan but they had an alternative program to cut my debt by half or more and have it completely paid in 4 years. They specified that they would contact each credit company, negotiate a reduced payment amount or settlement on my behalf, and that after 6 months in the program they I would qualify for loan program that I had originally inquired about but would need a much smaller amount of a loan due to the settlements they reached on the accounts. There were 14 creditors/debts enrolled with a total balance of $30,463. Of those original debts enrolled only one settlement has been made - a settlement of $7394 on total balance of $10,748. This was not a settlement they arranged- it was a settlement offered directly to me even though i pay them a "fee" for the settlement. The other 13 enrolled debts have had no actions. Not a single settlement, offer, or update. Nothing to to show they have even made an effort. On phone calls all they do is assure me they sent out a power of attorney. Sending a power of attorney and actively negotiating a settlement are very different things. They have literally done nothing except charge me fees for a year. The end results after a year as as follows- 1 debt settled saving $3354 on a $10,748. Payment of $3,627 in fees.The balance on the remaining 13 accounts has increased from$19,715 at time of entering the agreement to $22,310- an increase of $2595 from original debt that exceeds the amount that they paid down the one settlement by over $****** debts have increased not decreased, I have paid $3627 fees, they claim no loan is available. I want a refund of all fees paid due to no work demonstrated and results of higher debt load after a year than when started the program. I want a refund of $3,627 in unearned fees they have charged. -

  

  Business Response

  Date: 10/09/2024

  Hi there!

  Thank you for sharing your experience with us. I want to express my sincere apologies for the frustrations you've faced. Its clear that our services have not met your expectations. We understand how important it is to see tangible results, especially when youre relying on our support to manage your financial challenges. We are sorry to hear that you feel there has been a lack of communication and action regarding your accounts.

  We want to assure you that we take your concerns very seriously. Our goal is to provide effective assistance, and it seems we have fallen short in your case. We appreciate you bringing this to our attention, and I would like to personally ensure you that we will address your concerns promptly. 
  
  We will be reaching out to you directly to discuss your experience further and explore the possibility of resolving your issues.

  Thank you for your patience as we work to resolve this matter. Please know that your feedback is invaluable in helping us improve our services and better serve our clients. We look forward to speaking with you soon.

  Customer Answer

  Date: 10/09/2024

  This response is the exact same as the phone response they have given me each month for the last 5 months- be patient and we will give you personal attention- they say the same thing and, unfortunately, do the same thing and what they do is nothing except take money from account and I pay lots of fees for no action or results- none. 

  

  Business Response

  Date: 10/14/2024

  Thank you for sharing your concerns, and we truly apologize for the frustration youve experienced. We understand how important it is to see progress on your enrolled debts, and we regret that this hasnt been the case for you.

  Regarding the loan option, we regret any misunderstanding. As for the settlement with Best Egg, we understand it feels like the offer wasnt negotiated. Were actively reviewing the details, but at this time, we have not received documentation of the offer you mentioned. We will look into this thoroughly to ensure you receive the service you expect and deserve.

  Your case is very important to us, and we will continue to put our best effort into negotiating on your behalf. We also appreciate your feedback and the opportunity to address your concerns directly. If you have any additional questions or if there is anything else we can do to assist, please dont hesitate to reach out.

  Customer Answer

  Date: 10/17/2024

  As has been the case for 1 year- there is no genuine response. Apologies saying that it is all a misunderstanding and sometimes takes time- but they fail to address the enormous fees they have collected while doing literally nothing to resolve any of the enrolled debts. The fees paid greatly exceed the settlement amount and the settlement was not in any way negotiated by Clarity- it was an offer from the company made to me and apparently clarity as well. Thousands of dollars in fees and NOTHING has been resolved. The total outstanding debt due to additional interest and fees from creditors now is higher than when I originally enrolled in the program. On the last communication with me they lied about  the loan claiming that Lending USA did not serve my state but they were trying another place- but I got the adverse action notification from that lending source today saying the reasons were because payment history - which there were no late payments on any of the accounts until I enrolled in the program and stopped making payments as told by Clarity to allow them to negotiate. I have done everything asked and clarity has not lived up to a single one of its claims of service to be provided and further they have lied to me repeatedly on the phone about the status of accounts, loans, and what they are doing. I want a refund of fees paid due to the fact that while thousands have been paid in fees there are zero results - in fact the debt is increased and credit is worse than ever due to following their advice. 

• Initial Complaint

  Date:09/26/2024

  Type:Delivery 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 have received unsolicited phone calls from your firm to my mobile phone,************. This number has been on the Federal Do Not Call (DNC) list since 2007.The calls came from ************. My phone system keeps a permanent record of all incoming and outgoing calls. On September 6, 2024, I received a call which showed on caller ID as ************.The call was received at 4:15 PM Pacific Daylight Time. I did not answer the call and no message was left. Not being familiar with the number, I called back four minutes later.The call was answered and the call was passed to another individual. That person asked if I had any high interest debt. I told the person no and hung up. One minute later my phone again rang with the caller ID as ************.In addition to the penalties imposed by the *** and the **** under (47 CFR ******* (e)(2)(iii)) you are liable to me personally for $1,500 for each willful and or knowing violation. As such, you owe me $3,000.

  

  Business Response

  Date: 09/30/2024

  We sincerely apologize for the frustration and inconvenience caused by the unsolicited calls you received. We take matters of compliance with the Federal Do Not Call (DNC) list very seriously and deeply regret this error.

  To address your concerns, we are conducting a thorough investigation into the situation to understand how this happened. We will ensure that your number is immediately removed from any future call lists, and we will work to prevent such issues from occurring again.

  In the meantime, please feel free to reach out to us directly so we can further address this matter.

  Thank you for bringing this to our attention. We value your feedback and your privacy.

  

  Business Response

  Date: 10/01/2024

  Hi *****,

  We are in fact licensed to do business in the state of ********** so unsure where you are getting this information. We understand that you are not, and have never been, an enrolled client with Clarity Debt Resolution. We are more than happy to take you off our marketing list. 

  Thank you. 

• Initial Complaint

  Date:09/25/2024

  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.

  Clarity debt resolution only paid ****** dollars out of ******* and took ******* for fees they are cons my payment was ****** per month then they wanted ****** a month now I'm stuck paying my credit cards after losing ******* in fees I'm going to have to get a attorney I guess please help this scam needs to be stopped

  

  Business Response

  Date: 09/27/2024

  Hi *******,

  We sincerely apologize for the frustration and concern this situation has caused. We take feedback like yours very seriously and want to ensure we address your concerns fully. The fees and payments should always be transparent, and we regret that this hasnt been your experience.

  Wed like to look into your case in detail to better understand what happened. A supervisor will be reaching out to you directly so we can investigate and work towards a resolution.

  Thank you for bringing this to our attention. We are committed to finding a solution and addressing any misunderstandings.
  

• Initial Complaint

  Date:08/30/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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.

  Spoke with ******* thought it was forward funding like the flyer mailed to me. Spoke with her got set up for debt consolidation. What she explained and what has happened is 2 different things. They told **** would get my refund and they canceled our agreement. The refine was only four hundred and thirty three dollars. They literally did nothing but take my money for the six months.

  

  Business Response

  Date: 09/02/2024

  Hi *******,

  Thank you for sharing your experience. Were sorry to hear about the confusion and inconvenience youve experienced. We will be reaching out to you on Tuesday, once we return from the holiday weekend, to address your concerns and resolve this issue. We appreciate your patience and look forward to finding a resolution.

  Thank you!

• Initial Complaint

  Date:08/23/2024

  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.

  In February 2024 Clarity Forth agreed to contact my debtors, renegotiate a payment plan, and begin paying that payment plan. They have withdrawn $499.86 from my checking account for the past seven months and have yet to do anything they agreed upon except take my money.

  

  Business Response

  Date: 08/26/2024

  Hi there, *****!

  We are sorry to hear about your experience. Its concerning that we havent met your expectations. We are currently reviewing your account and will be reaching out to you directly to address your concerns. Thank you so much for your patience.

  We look forward to speaking with you! 

• Initial Complaint

  Date:08/20/2024

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  7/18/2024 Clarity Debt Resolution, signed me up for Debt resolution. The agent involved provided fraudulent information, stating that if I used an AZ address that I wouldn't have extra fees taken in addition to normal fees for the service. I didn't like this scenario, so when Clarity did a follow up call with me I provided my proper OR address. This started the process of ending this account as it never should have been set up to begin with as OR doesn't allow for debt resolution. They debited $363.60 as my first installment for the program. They have yet to return the money to me after speaking with them, today 8/20/2024. They also had me contact my bank to have blocks put on my creditors that attached an additional $60. And I don't currently know if the bank will charge me to unblock those accounts. ********************** has released the affiliate agent involved, but it doesn't address how it has impacted me on a financial and emotional level.