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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
11/03/2023
- Complaint Type:
- Order Issues
- Status:
- Answered
Unable to get refund as they send it a closed bank account and the representative is unwilling to help, keeps telling me to call the bank where I no longer have an account
Business response
11/07/2023
Our Account Manager ***************************** reached out to review the closing of the account following successful completion of our program. There was no refund due at the end of the process and everything was closed out correctly. If there is still any confusion, you may reach out to ******************** directly via email at *************************************** . Additionally, if you need a copy of your Completion package or any other program documents, please do not hesitate to reach out.Initial Complaint
10/19/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
I mistakenly signed up and now I am getting constant phone calls all the time and have emailed them not to call me. I don't want any further contact from this company.Business response
10/20/2023
Thank you for reaching out. Please be advised that we have added your number to our Do Not Call list. You should not receive any more calls. If you need any further assistance, please do not hesitate to reach out for further assistance.
Customer response
10/20/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
***************************
Initial Complaint
06/27/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I engaged Pacific Debt to help me negotiate a settlement on my credit cards. I made sure to be clear about what I wanted. I said I wanted all of my accounts settled simultaneously. Instead the company worked on 1 account at a time and did not attempt to work on subsequent accounts until the preceding account was paid off. At the rate they were going it would have taken 10 years to finish this process. Sometime in the spring I added an additional $431 to my monthly payments bringing my total contribution to $1,000 a month with the understanding that the 3 remain accounts would be settled. I was told, by a laughing employee, that is not how it works. Again I made sure to ask that question during the sales call. In addition, I was told that I had to pay 20% of my original debt to Pacific Debt. before they would even attempt to negotiate any further accounts. I believe they worded that part of their policy to purposely mislead me and others. 20% is higher than my credit card interest. I understood the 20% fee was being added to the settlement amount and NOT the original outstanding amount. Furthermore, my original outstanding amount increased significantly over the course of a year because Pacific Debt would not engage any of the cc companies until that time. I have since fired them for their refusal to do what I signed up for. I would like BBB to help me negotiate ******'s fee to be closer to what a not for profit should be charging for their services. Keep in mind they only settled 2 of my 5 accounts and the BoA account did not even amount to any reduction. I ended up owing BoA MORE after ******* negotiated with them. They will tell you that it was unavoidable as the debt for *** went to attorneys and I was going to be brought to court. However, if ******* engaged with **********, the debt would not have gone to the lawyers in the first place. Since firing ******* I was able to negotiate a settlement on all 3 outstanding accounts with a reduction in debt between 50-60% and I was provided a generous timeline to pay. What P. Debt could not do in 2 years, I did all of that all in a matter of 2 hours.Business response
06/30/2023
Thank you for your feedback. We strive to provide a high level of service and transparency with our clients and it seem in this case you do not feel we have achieved that. In reviewing the notes on file, we did confirm with ***************************** that they cleared the June payment for your settlement installment on the **** of America account, this is the final payment we will be making and you will be responsible for the remaining payments. We have closed your account with PDI and CFTPay and waived all remaining settlement fees as requested. You will see a deposit to your bank account early next week for $886 - a refund from your CFTPay account. For the Chase account that was settled, all installment payments were made and the original balance of $14521 is now paid off. As far as our fees, they are very competitive in the marketplace and we only get paid once a settlement is reached, you agree to the terms, and we begin making payments. The fees are based on the enrolled amount - not the inflated amount with interest. We often work many months at no cost before we collect anything, as our fees are contingent on your success. We discounted the fees you paid on the settlements received and offered to discount them moving forward. We are not a non profit credit counseling organization, and even if we were, those companies reorganize the debt so that you pay back the full balance plus interest. They also receive a payment from the creditor called a "fair share". We are glad to hear you were able to settle your remaining debt and wish you the best of luck as you move forward. You will see Please reach out if we can be of further service.Initial Complaint
11/29/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
SCAM. They use the front Pacific Debt but they will transfer you to a different company called CLEAR ONE who has a LOT of bad reviews! They will talk you out into joining the program and once they're done, they will NOT help you get your account canceled. I've been on hold for an hour now to cancel my account with CLEAR ONE because obviously PACIFIC debit washed their hands OFF it. Stay away from this company. I should have listened to the the other reviews saying you're doing this but I put my trust thinking you already had this sorted out.I NEED YOU TO CONTACT ******************* TO CANCEL MY PROGRAM!Business response
12/01/2022
Pacific Debt is not a scam. Out company has been in business for 20 years and takes great pride in helping consumers in debt. We do service most consumers who come to us, but in some cases we enroll clients with our trusted partners based on their state of residence or debt type. We can confirm your account with Clear One was cancelled and no money was withdrawn from your account. Please note that Clear One does maintain an A+ rating with the better business bureau and responds to all complaints. We can not control wait time on hold, as there are times where there is a high volume of calls. One of our enrollment managers did speak with this consumer to confirm the account has be closed. We have never denied a consumer from cancelling our program or a program with a partner. We are here to help.Initial Complaint
08/30/2021
- Complaint Type:
- Product Issues
- Status:
- Answered
I try make payments with all my debit. Over 1 year l paid $448 and now Just deal for 2 creditor agreement total payment $4k even not paid full. And broke my credit. I check statement my balance $1500 than l call and cancel other 2 creditor for dealing after no return any money from my account to my bank account. I like to report and return my money back. ThanksBusiness response
09/07/2021
Please note that upon enrollment in March 2020, we estimated it would take you 36 months to get out of debt. After 17 months in the program, we have settled two of the three accounts initially enrolled at an average settlement percentage of 36% based on the current balances. Pursuant to your request, we removed the remaining unsettled account(s) and have closed your escrow account and returned all unexpended money. A completion package with copies of settlements has been emailed to you for your records. If you should need anything further, please feel free to email your Account Manager directly or ******************************************.
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Customer Complaints Summary
6 total complaints in the last 3 years.
2 complaints closed in the last 12 months.