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:04/11/2025

  Type:Customer Service 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 June of 2024 I canceled my account. I made payments to Cordoba in the amount of $7409.92 and to my knowledge no negotiations resulted in payments to my credit card companies. My accounts have been charged off or will be charged off shortly. Several times I requested a written accounting of my funds deposited with Cordoba with no response.

  

  Business Response

  Date: 04/16/2025

  Cordoba Legal Group has reviewed the complaint and would like to address the concerns raised. The client was active on a personalized plan for approximately seven months and during that time deposited a total of $7,409.92 into her dedicated third-party account. From those funds, $3,324.78 was used toward a resolution with Amazon, which was negotiated at 50% of the balance and was authorized by the client on February 1, 2024. This was the only resolution achieved during her time with the firm, and it was processed as instructed.
  
  The client canceled her account via email on May 6, 2024, nearly a year ago, and requested a status update on her accounts at that time. The team attempted to contact her by phone twice to provide that update, but after she confirmed in writing that she no longer authorized any further withdrawals, her account was closed as requested. There were no further charges to her account after that point.
  
  Since the submission of the BBB complaint, the firm has made three attempts to contact the client to provide any further clarification she may need, but none of those calls have been answered or returned. Cordoba Legal Group remains available to speak with the client and provide a full accounting of funds and actions taken during her time on the plan.

  Customer Answer

  Date: 05/01/2025

   
  Complaint: 23193781
  
  I am rejecting this response because:

  I have repeatedly requested a written account of utilization of the money paid for my records and requested that they cease calling me. I have never received an emailed or mailed statement of account or confirmation of account closure. The business has my email and physical address. 
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:04/10/2025

  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.

  I hired this company after watching a TV ad, and I thought they would be a good fit to help me with my credit card debt. After reaching out to them in April 2024, they explained to me that I was able to consolidate all 9 cards and pay $312.44 for ******************************************************** collections and no cards have been fully paid. They are constantly calling me requesting money from me after they have already taken out the payment due every month. I need to get out of this agreement but I do fear retribution from them. I am a senior citizen who lives on a fixed income and cannot afford to deal with all this. Please help, I want to block them from taking the monthly payments out of my account.

  

  Business Response

  Date: 04/16/2025

  Cordoba Legal Group has reviewed the concerns raised and would like to provide clarification based on the clients file. Since the complaint was submitted, we have made three attempts to contact the client by phone, but there has been no answer or returned call. The client initially enrolled 10 accounts into their personalized plan, and we have successfully reached resolutions on 7 of them, with 4 already paid in full. The average resolution percentage across those accounts is *****%, meaning creditors have agreed to accept significantly less than the full balances to resolve the debts. Regarding the mention of being asked for additional funds, we reviewed the call referenced from January and found no issues or signs of dissatisfaction. At that time, the client was asked to add a total of $20 to their account to move forward with a resolution. More recently, we attempted to contact the client about another resolution opportunity that would have required available funds, but the client did not respond and the offer expired. Its also important to note that all client funds are held in a third-party account under the clients name, which the client has full control over. Cordoba Legal Group only takes a fee when a result is achieved, in accordance with the performance-based structure outlined in the agreement. There are no fees to set up the account. We want to reassure the client that Cordoba Legal Group is a legitimate law firm and would never engage in retaliation of any kind. The team will continue attempting to contact the client to address any outstanding questions and to ensure all matters are resolved appropriately.

• Initial Complaint

  Date:04/01/2025

  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.

  I asked Cordoba Law Group to help me consolidate my loans in Nov 2024. But in the middle of January I lost my job because my client went to a nursing home. I called them and asked to cancel my account because I do not have a job so after a lot of talking they extended it to March, we talked again and I told them that I dont have a job and I want to cancel the account. They made it so difficult for me to cancel that the representative *** said she would cancel it if she called on April 1st and I still had no job. This was all recorded by the way. *** called and I explained again that I have no job and want to cancel the account and she gave me such a run around that I just kept saying cancel the account and cancel the account. I did not know that they would trap me in and not let me get out. They me what I paid which is $1272.34. I am aware of everything they said and trust me I understand the consequences of cancelling my account with them. They know this like I said I told them repeatedly to cancel my account and she gave me the run around so I told her before hanging up to have someone call me that understands cancelling my account and returning my money, which now has to be sent by check from the, to me because I had to block them from taking any money. I just want to cancel this account and get my money back. *** please help Just checked the account they took out money from what they owe me cause now its down to $1221.39.

  

  Business Response

  Date: 04/04/2025

  Cordoba Legal Group appreciates the opportunity to respond regarding the concerns raised. We are truly sorry to hear about the loss of your job and the frustration you have experienced, as it is never our goal for clients to feel this way during an already difficult time.
  
  We can confirm that your agreement with Cordoba Legal Group has been cancelled as requested. In line with the terms of your retainer agreement, you will be compensated accordingly.
  
  We understand that navigating unexpected life changes can be challenging, and we made every effort to work with you by offering extensions and flexibility prior to the cancellation. While our team strives to make the process as clear and smooth as possible, we apologize if you felt that the communication was not as straightforward as it should have been.
  
  Cordoba Legal Group remains committed to ensuring that clients are treated with respect and care. The team will be reaching out to you to ensure that you have all final details regarding your account and compensation.

  Customer Answer

  Date: 04/04/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ****

• Initial Complaint

  Date:04/01/2025

  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.

  Hi,This company has not been communicative, and has refused to called me back. They have failed in managing one of my accounts that have taken me to court and they are asking me for money. I have graciously asked to removed the account and they refuse to update my payments accordingly. All the call support has no authority to educate me on why the outcome and when i ask for escalated support there seems to be none. I have bot received a call from this law firm and they refused to understand the words i speak as if they are from another country or planet. Please help me to understand that justice is within reach because I am losing hope and you guys are all i have.

  

  Business Response

  Date: 04/04/2025

  Cordoba Legal Group appreciates the opportunity to respond to the concerns raised. We would like to clarify that we have successfully achieved resolutions on four of your accounts, each resulting in a 50% savings, demonstrating our commitment to securing positive results through your personalized plan.
  
  Regarding the specific account referenced in your complaint, it was removed from the process on January 31, 2025, at your request. This was done because you indicated that you could not afford to proceed with that account and did not wish to extend your personalized plan. Cordoba Legal Group made every effort to adjust the plan to make it as affordable as possible for you. It is important to note that while extending a personalized plan may be necessary to address additional accounts, there are no additional fees associated with such an extension. All funds continue to be used solely toward securing legal resolutions on your behalf.
  
  Communication with our clients is a priority. Our team has made efforts to maintain contact and provide support throughout the process. While call support staff may not always have immediate authority to make escalated decisions, they are trained to gather information and escalate matters to the appropriate teams when necessary. We are committed to ensuring you feel heard and supported as we work toward the resolution of your legal matters.
  
  Cordoba Legal Group is a legitimate law firm dedicated to advocating for its clients, and we are here to continue assisting you. The team will be reaching out to you directly to review your account, address any outstanding concerns, and help restore your confidence in the process.

  Customer Answer

  Date: 04/04/2025

   
  Complaint: 23142380
  
  I am rejecting this response because:
  

  1. i have not seen any 50% reduction. They are adding unnecessary fees to cover up the reduction for their gain and continue ask for more payment.

  2. I asked to remove one of the accounts because the account is taking me to court due to the mishandling by Cordoba.  They neglected this account and the fees and charges became beyond their negotiating power. Instead of using the reduction funds towards this account they asked that I pay the entire amount to settle the account with no option to negotiate or work with me on an acceptable plan. The third party account holder was willing to work a better plan with me than this disappointing law firm that I hired to work on my accounts that i have been paying for over a year and have trusted but have learned the dishonesty and unprofessionalism they exhibit and will cover up errors without accountability.

  I would like to see a reduction in my payments if they have been able to resolve my accounts with 50% reduction  I would also like to see an additional reduction since they have agreed to remove the account they mishandled that has caused me mental distress to be sued and served while I resorted on them to work towards resolving the account as they advertised and failed then refuse to accept accountability  

  Sincerely,
  
  *** ****

  

  Business Response

  Date: 04/07/2025

  Upon retaining our services, your credit was pulled with your permission in order to accurately assess your financial situation. This was conducted through a soft inquiry, which does not negatively impact your credit score. We are pleased to confirm that we have successfully achieved resolutions on four out of the five accounts you retained us to address. It is important to note that the balances on these four accounts were approximately $2,000 higher than initially stated, yet we have worked diligently to secure favorable resolutions.
  
  Regarding your concern about fees, no additional or hidden fees have been applied. Our performance-based fees are outlined transparently in the retainer agreement you signed at the beginning of your engagement with our firm. Our fees do not increase based on your debt amounts rising for original accounts you retained us for. The only instance where fees would adjust is if a debt is added or removed, and even then, the adjustment would be clearly communicated.
  
  Addressing the account you requested to remove, we want to assure you that Cordoba Legal Group does not advise clients to stop making payments to their creditors. Our personalized plans are designed for individuals who are already behind or unable to continue making payments. Unfortunately, there are instances where a creditor may choose to pursue legal action regardless of the efforts being made to negotiate a resolution. In this particular case, despite our efforts, the creditor was unwilling to offer terms within reasonable negotiating parameters. Once it became clear that they would not accept a resolution fitting your financial situation, we honored your request to remove the account from your file.
  
  Your payments are based on the original debts retained under your plan. The removal of an account can impact your overall plan terms, but we must clarify that reductions in monthly payments would depend on the specific terms outlined when the plan was created. Our team will be reaching out to you directly to review your plan in detail, address any adjustments due to the removal of the account, and ensure full transparency regarding the results achieved and the work completed.
  
  Cordoba Legal Group is a legitimate law firm committed to advocating for our clients. We take any claims of dishonesty very seriously and strongly refute the suggestion that we have acted unprofessionally or without accountability. Our goal remains to assist you in reaching favorable resolutions while maintaining open and honest communication throughout the process.
  
  We understand that dealing with creditor actions can be stressful, and we remain dedicated to supporting you. Our team will be in contact to further clarify and assist with any outstanding matters related to your personalized plan.

  Customer Answer

  Date: 04/08/2025

   
  Complaint: 23142380
  
  I am rejecting this response because:

  I have requested multiple times for you someone to reached out and have continued to be disappointed. I still have not heard back from any of my requests. Your words you transcribed sounds to good for me to accept until I hear from someone that can communicate the matching words you write. It sounds so good but I will not be deceived and give in to the words to be hurt again and again.  I need someone who understands my account and understands English not as a second language to help eliminate the barriers and miscommunication. It will just add to the frustration to hear the same no nonsense *** telling me the same thing that Ive heard multiple times.  I need a complete breakdown of the fees and the reductions you say you have achieved and how that money has been allocated to continue to pay the same rate as when I signed the agreement and how all the fees matches the agreement. Its completely false that your *** did not advise me to stop paying on my accounts because that is exactly what your *** advised me to do when I signed up. I will not reiterate the communication as you have it all recorded and that *** is no longer with you because I have not heard from him. I need real authentic actions not beautified words to make the scenario sound illegitimate. This is real and I have had no movement with my requests and why I have resorted to this platform. Please reach out and match your literature with your spoken words. 

  
  Sincerely,
  
  *** ****

• Initial Complaint

  Date:03/26/2025

  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.

  On Mar 20, 2025, we received an email stating that they had reached a settlement but we did not have enough funds to cover it. I called and spoke to ********* about what the total amount, including fees, would be. He said he would call me back with the amount after talking to his supervisor. When he called back with the amount, I specifically asked if it included fees and was told yes. I checked multiple times that after the amount was paid that we wouldn't have to pay them anything else. So, we pulled everything we had, to include money set aside to pay other bills, to pay the lump sum, because we were told we would not have to pay anything else and we believed that that monthly payment was **********, Mar 26, 2025, we received a call saying we owed over $3000. I talked to ****** and was told it was an error on their end and that we still have to pay this. They were the ones who made the error and lied to us but we are the ones that pay for it. ***** was willing to make it right. I have included a screenshot of my call log.I just want to make sure everyone is aware of how badly they screwed us.

  

  Business Response

  Date: 04/04/2025

  Cordoba Legal Group appreciates the opportunity to respond regarding the concerns raised. We want to clarify that a significant result was achieved in your legal matter: a resolution was reached on a $14,340.65 debt for $7,170.00, resulting in a savings of $7,170.65 a 50% reduction. This resolution is a substantial benefit to you and demonstrates the effectiveness of your personalized plan.
  
  It is important to acknowledge that there was an error regarding the communication of fees. As with any professional service, human errors can occur. However, to address the issue and make it right, Cordoba Legal Group took the initiative to completely forgive the fee you had agreed to pay under the terms of your retainer agreement. By waiving this fee, Cordoba Legal Group ensured that you retained the full benefit of the $7,170.65 savings without owing anything additional to the firm.
  
  While the miscommunication regarding fees was regrettable, it is inaccurate and unfair to claim that Cordoba Legal Group did nothing to correct the situation. The firm acted promptly to remedy the matter by removing its fee obligation, ensuring that you were not further financially burdened.
  
  Cordoba Legal Group remains committed to providing clients with transparent and effective legal services. The team will be reaching out to you to clarify any remaining questions and to continue supporting you in your legal resolutions.

  Customer Answer

  Date: 04/04/2025

  I don't understand why they are saying they waived any fees when they didn't.  I was told that they could reduce my monthly payment by $100 but I still had to pay over $3000. Are they now saying that I don't have to pay it? If so, then why is the next payment still scheduled for the 11th? There was no offer to waive fees even when 2 people both said it was Cordoba's fault I was given incorrect information. All we were offered was insincere apologies and the offer to reduce the monthly payment by $100 until the fees were paid.

  As far as negotiating. We received the same 50% off offer from Sarma collections the day before Cordoba reached out to us. We have been paying Cordoba and they had the money so we took their offer. 

  As I explained to ******, if the accurate amount was told to me, I would not have paid a lump sum at this time. I would have continued to pay the monthly payments until it was enough. I was told that if i paid the lump sum I wouldn't have pay anything else.

   

  Customer Answer

  Date: 04/08/2025

   
  Complaint: 23120823
  
  

  
  

  I don't understand why they are saying they waived any fees when they didn't.  I was told that they could reduce my monthly payment by $100 but I still had to pay over $3000. Are they now saying that I don't have to pay it? If so, then why is the next payment still scheduled for the 11th? There was no offer to waive fees even when 2 people both said it was Cordoba's fault I was given incorrect information. All we were offered was insincere apologies and the offer to reduce the monthly payment by $100 until the fees were paid.

  As far as negotiating. We received the same 50% off offer from Sarma collections the day before Cordoba reached out to us. We have been paying Cordoba and they had the money so we took their offer. 

  As I explained to ******, if the accurate amount was told to me, I would not have paid a lump sum at this time. I would have continued to pay the monthly payments until it was enough. I was told that if i paid the lump sum I wouldn't have pay anything else.

   

  
  Sincerely,
  
  ******* *****

  

  Business Response

  Date: 04/16/2025

  Cordoba Legal Group operates on a performance-based fee structure, meaning no fees are taken unless results are achieved. In this case, although the contract allows for a 25% fee based on the amount resolved, the firm made the decision to waive this fee entirely due to a simple human error in the calculation of the payoff amount. There is not additional payment scheduled as we do not see anything within our system and your file was fully completed April 8 2025
  
  This was a good faith gesture to acknowledge the inconvenience caused, even though the signed agreement permits the fee. This means the firm handled this resolution without collecting any fee, essentially providing legal services for free in this instance.

  Customer Answer

  Date: 04/16/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me, though their wording is not.

  Trying to make it look like I am in the wrong is disrespectful. Had they made an effort to make things right on their own, I would have not have filed a complaint to begin with.
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:03/26/2025

  Type:Customer Service 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.

  I hired Cordoba Legal to do debt restructuring. I have made 2 payments to them. I pro actively talked to some creditors to see if Cordoba had contacted them. 8 out of 8 said they have not been contacted. If Cordoba don't follow through on a simple task then I sure don't feel comfortable with them handling this job. I will check up on them in a couple months and update on their actions. I just feel like I could have done this on my own.

  

  Business Response

  Date: 04/02/2025

  You are currently 2 months into a 24-month personalized plan. At this point, reaching out to your creditors would be premature and could actually be detrimental to your case. As a law firm, Cordoba Legal Group follows a strategic process based on legal experience contacting creditors too early, particularly when only two payments have been made, can often provoke unnecessary legal action from those creditors. This would leave you in a more vulnerable position without the financial preparation necessary to pursue a favorable resolution.
  
  The retainer agreement, which was reviewed and signed at the start of your plan, clearly outlines that this process can take up to 24 months. It is designed to build your legal and financial position before any creditor engagement occurs. This timing is intentional and informed by our professional understanding of creditor behavior and legal timing.

  Customer Answer

  Date: 04/16/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ****

• Initial Complaint

  Date:03/19/2025

  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.

  I engaged the services of Cordoba Legal LLC on April 19, 2024, for debt consolidation. They agreed to handle communication with my eleven creditors, encompassing a total debt of $20,000, for a monthly fee of $382.60. Cordoba assured me that I would not need to contact the creditors myself. As creditors contacted me, I was instructed to provide them with Cordoba's contact number, ************.Since May 2024, I have been consistently paying the agreed monthly fee, but only two bills have been settled thus far. On February 26, 2025, I received a summons to appear in court. Cordoba informed me that they were attempting to negotiate with ****** but had delayed their contact, resulting in the need for an additional $300 per month to continue their services. Given my financial constraints, I am unable to afford the increased fee, although I have previously sent additional funds totaling $******** has become apparent that Cordoba is exploiting senior citizens. Recently, on March 15, 2025, I received another letter from ******, indicating unresolved debt.

  

  Business Response

  Date: 03/21/2025

  Thank you for your feedback. We want to clarify a few key points regarding your personalized plan and the services provided by Cordoba Legal Group.
  
  You retained our firm in April 2024 to represent you on approximately $27,000 of debt spread across 11 creditors. To date, our firm has successfully achieved resolutions with 4 of these creditors, totaling approximately $9,800 of the original debt. This is meaningful progress, particularly considering that it has not yet been 12 months since the start of your 50-month personalized plan. It is important to recognize that resolving all creditor accounts takes time, and the full duration of the plan is often necessary to achieve the shared goal of helping you get out of debt.
  
  While we understand the frustration of ongoing creditor contact, we want to emphasize that being contacted or even sued by a creditor is not uncommon in this process. This is precisely why retaining legal representation like ours is essentialso that we can handle these matters on your behalf, both in and out of court. Our team has taken steps to represent you in the matter involving ******, and work is actively being done to resolve this creditor issue.
  
  Regarding the request for additional monthly funds, we want to clarify that this is not an increase in fees. All fees taken by Cordoba Legal Group are performance-based, which means we only take a fee when we obtain results. The additional funds requested were meant to accelerate progress on your resolutions by making more funds available to resolve creditor accounts more quickly. However, your control over the third-party account in your name remains unchanged, and no funds are taken unless results are produced.
  
  The claim that Cordoba Legal Group is exploiting seniors is inaccurate. We are a legitimate law firm that provides legal representation to clients facing financial hardship, and we operate with transparency and according to the terms outlined in your agreementterms which were also reviewed on a recorded line at the time of your onboarding.
  
  Our team will be reaching out to discuss your file in more detail and address any remaining questions or concerns you may have.

  Customer Answer

  Date: 03/28/2025

   
  Complaint: 23088013
  
  

  I am writing to follow up my complaint dated March 20, 2025. As I have not received a complaint file number from you, I am reiterating my concerns regarding Cordoba Legal. Additionally, I have filed a complaint with the *************************, reference number PI2501872, on the same date. I have been subjected to frequent and distressing calls from Cordoba Legal regarding additional funds for both the ****** and Target accounts.

  Today, I was informed by **** that my account would be dropped. Shortly thereafter, I received another call from Nicauly, who claimed that **** had provided me with incorrect information. ******* also requested additional funds, stating that the ****** and Target accounts would not be paid unless I agreed to the extra $300.00 per month they are demanding.

  This situation has escalated to the point of harassment, with repeated and insistent demands for additional funds.

  Sincerely,

  ****** F. ******

  

  Business Response

  Date: 04/04/2025

  Cordoba Legal Group appreciates the opportunity to respond to the concerns raised. We would like to assure you that your legal matter is not being removed from the process. Your file remains active, and your local of counsel attorney continues to work diligently toward the resolution of your accounts.
  
  ********************** does not engage in harassment or issue demands for additional funds. Communications from our team are intended to explain what actions your creditors require and to inform you about the options available for your legal matter. In some instances, when creditors introduce new requirements or deadlines, funds may need to be made available sooner than originally anticipated. This does not necessarily mean that additional overall funds are being requested; rather, it can involve the same funds you have been contributing, but expedited to meet new creditor demands.
  
  In legal matters, especially when multiple resolutions are already underway, your recurring payments are allocated to active resolutions. If new creditor actions arise that were not previously scheduled within the original timeline, additional or expedited funding may be needed to address them properly. These situations are a normal part of the legal resolution process and are addressed transparently with clients.
  
  We apologize for any confusion that may have arisen during recent communications. Our teams goal is always to ensure you are fully informed about your legal matter. Cordoba Legal Group is a legitimate law firm, and claims suggesting otherwise are incorrect. Our fees are performance-based and are only earned when results, such as resolutions, are achieved. No unearned fees are ever taken, as outlined in the contract you reviewed and agreed to.
  
  The team will be reaching out to you to clarify any questions and to ensure that you feel fully supported as we continue working toward the resolution of your accounts.

• Initial Complaint

  Date:03/18/2025

  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.

  I contracted with Cordoba Legal to resolve my debt, and last year, I discovered they had not taken care of all the debt. I spoke with a representative several times and finally became frustrated with them, so I terminated the service in April 2024. I have been using them since mid-2021. Recently, I discovered that several creditors had charged accounts off, and ********************** told me they were making payments to these accounts. I spoke with Discover and was informed that Cordoba made a settlement offer, which was accepted, but they never paid them any money. Two Discover accounts told me the same thing, so now my credit is adversely affected because of the lack of service on Cordoba's part. In late 11/2024, I spoke with Castle Credit, and they informed me that Cordoba was working with them on a settlement, and Castle Credit had not heard from Cordoba since early 2/2024. Castle Credit tried several times to contact Cordoba but got no answer. Now I am back to square one, working with these creditors to fix an issue I was assured would be corrected. I am requesting $10,000.00 be refunded to me for the lack of service, and I guarantee this minute compared to the amount I paid Cordoba.

  

  Business Response

  Date: 03/19/2025

  Cordoba Legal Group successfully achieved resolutions on four of your five accounts, three of which were fully resolved and paid according to the agreements made with your creditors. Regarding your Discover account, a resolution was indeed secured; however, only one payment out of the agreed-upon 24 was made before you terminated our representation in May 2024.Once our representation ended, we were no longer able to facilitate payments or manage negotiations on your behalf.
  
  Additionally, all relevant documentation, including the resolutions and the release you signed, confirms the work completed on your accounts. Its important to note that while creditors may charge off accounts,this does not mean no action was taken. Charge-offs are a standard accounting practice by creditors and do not necessarily reflect the success of negotiations.
  
  Cordoba Legal Group does not take any unearned fees, as our fees are performance-based, meaning we only collect fees when resolutions are achieved. As you can cancel our representation at any time all fees earned were not fully collected as per the retainer agreement.

  Customer Answer

  Date: 03/23/2025

   
  Complaint: 23083970
  
  I am rejecting this response because: What was stated in the complaint is inaccurate. Each time I spoke with a representative from the company I received a different response. ************* was not resolved by the company because I resolved the matter on my own through the company. I have a person from ************* who will have no problems providing I took care of the debt myself. So tell the truth and I want to know what five accounts were resolved.
  
  Sincerely,
  
  ****** ****

  

  Business Response

  Date: 04/01/2025

  Thank you for your response. To clarify, Cordoba Legal Group's role is to pursue resolutions on behalf of clients who are experiencing hardship with their unsecured debts. As a performance-based firm, we only take a fee when results are produced. In this case, Castle Credit was not resolved through our efforts, and as such, no fee was charged for that account. That aligns with what ***** statedthat you resolved that account independently.

• Initial Complaint

  Date:03/11/2025

  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.

  Cordoba legal agreed to represent me in a debt collection court case. They assured me they were handling it and I was reassured I didn't have to attend court because they would take care of this and that I wouldn't receive further action. I even agreed to a settlement that said they had reached with the company (one main financial) however I received an notice of ruling against me to begin wage garnishment for the debt repayment. Cordoba has done nothing to rectify the situation though they assure me they are working on it. The garnishment was for 12k. I had about $500 taken out every paycheck. They continue to collect their over $500 payment from me yet so far I have seen nothing to even assure me they've done anything legal whatsoever. They only contact me when they have "another settlement offer" that of course requires more funding and an increased payment to them. Meanwhile due to their lack or action, I find myself barely able to survive with the wage garnishment and their continued payments. At first they said it was my fault and that I hadn't notified them. Of course this wasn't the case and after I provided them with evidence of notification on every step of the way, they still continue to say "they'll look into it " the wage garnishment has been nearly 5months now and half of the owed balance. Cordoba does nothing

  

  Business Response

  Date: 03/18/2025

  Cordoba Legal Group understands the seriousness of your concerns and is actively looking into this matter. The firm is committed to ensuring that all legal processes are handled appropriately and that you receive clear communication regarding your case.
  
  While the firm does not control court rulings or creditor actions, it is dedicated to assisting clients in navigating these challenges. If there were any miscommunications or delays, the team is working to clarify and address them. You have been in contact with the firm, and they will continue working toward a resolution. The firm will reach out to you directly to provide further updates and ensure that your concerns are addressed properly.

  Customer Answer

  Date: 04/02/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** *****

• Initial Complaint

  Date:03/09/2025

  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.

  On March 3rd 2025, I had signed with NATIONAL DEBT RELIEF, a Company I chose, to be able to pay my credit card debt. ***** was the sales person, and I liked his explanation about the payments a month, which were $275 withdrawn from my Savings account, at the time. Never before had I used my savings account than to save, or for over draft protection. The same date March 3rd CORDOBA LEGAL GROUP, never knew of them, withdrew $273, electronic. When I called to ask why did they take my money without my knowledge, they said I HAD A CONTRACT WITH THEM AND I HAD SIGNED. I told them I never signed anything with them. I asked how can you just get into my account and take the money I had to pay NATIONAL DEBT RELIEF, they continue accusing me of signing a contract and that was it!!This has caused so much aggravation and loses with fees at the bank. I have called, I have received nothing but lies and insults. They finally promised to send a check the check came back. They tell me they have tried to deposit checks but they can't. I have to say I had to close my checking and savings accounts In case they were to use my bank account again. I received a check for $239.64, im the mail THEY WITHDREW $273 I now have a bad check and they are saying they don't know me Yesterday March 8th one person said yes you have a contract with us and you can't cancel. Here I am suffering through this very stressful situation. I am 75 years old and have issue with my nerves and heart. As of today the 8th of March, they say THEY WILL NOT PAY, I AM WITH THEM AND I BETTER PAY. It's absolutely scary to have to deal with these kind of business and people. I would like for they to pay me my $273 they got from my bank on the 3rd of March 2025. An apology would be accepted as this has created a lot of money problems for me. I pray to God BBB is able to help me resolve my query. I thank you very much for helping.

  

  Business Response

  Date: 03/10/2025

  Cordoba Legal Group is a legitimate law firm that provides legal assistance to individuals facing financial difficulties. The claims made in this complaint are completely false and misrepresent the facts of the situation.
  
  You personally authorized a payment to our firm, and we have full phone recordings verifying your intent to retain our services. Additionally, a compliance call was conducted with you on a recorded line, confirming your understanding and agreement. The contract you signed is electronically documented, complete with IP address tracking, which confirms that it was signed from your location also it was sent to the same email used in this complaint (see last page of the contract).
  
  It is simply untrue and entirely preposterous to claim that Cordoba Legal Group accessed your information from another company. We do not and would not engage in any such practice. Your allegation that this is an "inside job" is completely unfounded. You made one payment, then disputed it with your bank, which means there is nothing left to refund.
  
  If you require further clarification regarding your contract or the services you agreed to, our team will be reaching out to address any concerns directly.
  

  Customer Answer

  Date: 03/16/2025

  Cordoba Legal Group sent a check in March 15 /25. They took $273 dollars from my account t I had signed with NATIONAL DEBT RELIEF.  I never signed ant contract with then. *** the checks? IS this one as bad as the $239.64 they sent two weeks ago? I received  another cbeck for $33.00 difference between 273 minus '239.64.  I wonder if its goid, i am paing dues on the bad checks . Why would they send checks for an account they don't have? They created that acount stealing the money  electronically from NATIONAL DEBT RELIEF this is an INSIDE JOB. Nobody else knew .my bank account.

  This is so incredibly hard to understand. I wish they will come to their senses and accept the crime they have committed.

  Check NO. ********** REFUND

  FORTH *************** SUITE 550 ********* IL. 60173

  SOUTH STATE BANK 945 EAST PACES FERRY TOAD. 15TH FLOOR

  *******, *** ***** US

  DATED : 3/07/2025

  '33.OOUS FUNDS

  VALID AFTER 09 days.

  Check  o.

  1573478 ********* 1600127753

   

  Customer Answer

  Date: 03/16/2025

  I am sorry I don't know how to send copy of the check for $33.00. I am even afraid to deposit it, and have it come back and keep paying bank charged.

  Thank you so very much for your help.

  Constanza Warren 

  ************ 

  *************************** 

  Customer Answer

  Date: 03/18/2025

   
  Complaint: 23040585
  
  

  Cordoba Legal Group sent a check in March 15 /25. They took $273 dollars from my account t I had signed with NATIONAL DEBT RELIEF.  I never signed ant contract with then. *** the checks? IS this one as bad as the $239.64 they sent two weeks ago? I received  another cbeck for $33.00 difference between 273 minus '239.64.  I wonder if its goid, i am paing dues on the bad checks . Why would they send checks for an account they don't have? They created that acount stealing the money  electronically from NATIONAL DEBT RELIEF this is an INSIDE JOB. Nobody else knew .my bank account.

  This is so incredibly hard to understand. I wish they will come to their senses and accept the crime they have committed.

  Check NO. ********** REFUND

  FORTH *************** SUITE 550 ********* IL. 60173

  SOUTH STATE BANK 945 EAST PACES FERRY TOAD. 15TH FLOOR

  *******, *** ***** US

  DATED : 3/07/2025

  '33.OOUS FUNDS

  VALID AFTER 09 days.

  Check  o.

  1573478 ********* 1600127753

   

  I am sorry I don't know how to send copy of the check for $33.00. I am even afraid to deposit it, and have it come back and keep paying bank charged.

  Thank you so very much for your help.

  Constanza Warren 

  ************ 

  *************************** 

   

  
  Sincerely,
  
  ********* ******

  

  Business Response

  Date: 03/18/2025

  This person is saying we have people inside of another company stealing peoples information and enroll them in our company? This is just ludicrous, they asked for a full refund in which they provided now they are asking if the check is good and that we created a separate account just for stealing clients from another company.

  

  Business Response

  Date: 03/18/2025

  Cordoba Legal Group takes these claims seriously, but the accusations made are completely false. The firm does not have any involvement with ******************** and does not have "inside" access to any company. The suggestion that funds were taken improperly is entirely untrue.
  
  You requested a full refund, and the firm has processed 100% of the amount you paid. If you have concerns about depositing the refunded funds, that is a personal decision, but the firm has fulfilled your request in good faith. There is nothing further to address, and this matter is considered closed.

  Customer Answer

  Date: 03/18/2025

  The chgnieck they sent for $239.64 came back. No other check has come to pay for the money they stole from my babkvand from me . They have sent another check for$'33 dollars to make up for the difference of my $275 and eventhough they keep saying they don't have my money. *** give ne bad checks and another one for $33 8 am afraid to deposit in case it comes back and for them to find out about my new accounts and *** me again. These people will go through any length to get us old folks. I believe these companies work together in exchange for money or presents. That is what I read that's what I believe they have done to me. The calls don't stop with NATIONAL DEBT RELIEF. 

  THEY SAY THEY COULDN GET MY MONEY LAST MONTH THEY ARE GOING TO GET MY MONEY NO MATTER WHAT. I TOLD THEM I HAVE NO CONTRACT WITH THEM ANYMORE..***** IS THE ONE AFTER ME. I JUST NEED TO REMAIN CALM, CANT CONTINUE SUFFERING OVER LIES AND DECEIT .I HAVE CANCELED THE CONTRACT WITH THEM. THEY HAVE DONE ME WRONG. NEVER ANSWERED MY CALLS WHEN I FOUND *** ABOUT THE BAD CHECK. BUT NOW THEY DONT STOP. 

  I A. LIVING IN A NIGHTMARE. SO STRESSED OUT. I FILE COMPLAINT WITH THE ***. THANK YOU FOR ALL YOUR HELP. ********* WARREN 

  Customer Answer

  Date: 03/20/2025

   
  Complaint: 23040585
  
  

  The chgnieck they sent for $239.64 came back. No other check has come to pay for the money they stole from my babkvand from me . They have sent another check for$'33 dollars to make up for the difference of my $275 and eventhough they keep saying they don't have my money. *** give ne bad checks and another one for $33 8 am afraid to deposit in case it comes back and for them to find out about my new accounts and *** me again. These people will go through any length to get us old folks. I believe these companies work together in exchange for money or presents. That is what I read that's what I believe they have done to me. The calls don't stop with NATIONAL DEBT RELIEF. 

  THEY SAY THEY COULDN GET MY MONEY LAST MONTH THEY ARE GOING TO GET MY MONEY NO MATTER WHAT. I TOLD THEM I HAVE NO CONTRACT WITH THEM ANYMORE..***** IS THE ONE AFTER ME. I JUST NEED TO REMAIN CALM, CANT CONTINUE SUFFERING OVER LIES AND DECEIT .I HAVE CANCELED THE CONTRACT WITH THEM. THEY HAVE DONE ME WRONG. NEVER ANSWERED MY CALLS WHEN I FOUND *** ABOUT THE BAD CHECK. BUT NOW THEY DONT STOP. 

  I A. LIVING IN A NIGHTMARE. SO STRESSED OUT. I FILE COMPLAINT WITH THE ***. THANK YOU FOR ALL YOUR HELP.

  ********* WARREN