ComplaintsforCordoba Legal Group PLLC.

• Initial Complaint

  07/16/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Cordoba Legal Group is a company with zero integrity. They lied to me and charged me with much higher fees than the ones we agreed on. In 11 months they only paid 1 creditor in full. Their online portal is not up to date. The available balance changed 3 times from one day to another. Even though they portal showed that my available balance was $468.00 ***** a supervisor from **************** stated my balance was only $200.00 there was always discrepancies that only favor Cordoba Legal. My main complaint is the amount of fees never explained during the recorded calls and even though per contract they were going to charge a 25% from the balance of each creditor I verified they charged me over 50% Cordoba Legal Group scammed me and kept my $5,964.45 that I invested in the 11 months I was with them. Their representatives were always rude with zero empathy every though I was always to prove them the fraud they committed on my account. They need to be hold accountable for being a company with zero integrity.

  Customer response

  07/16/2024

  This picture was taken yesterday 07/15/24 while I was speaking with *****, supervisor from **************************** I was telling him that Saturday my balance was $538.95 now Monday is showing $468 he goes and told me my actual balance was $200 which it didnt match the online portal. The reason he would tell me is I was charged additional fees that are not refundable. Everything was fees and fees. No valid explanation. No itemized statement was ever provided to me despite my request. 

  

  Business response

  07/22/2024

  Cordoba Legal Group is committed to providing clear and accurate information regarding the services rendered and the associated fees.
  
  Firstly, it is important to clarify that Cordoba Legal Group has successfully secured a resolution on one of your accounts, resulting in a significant savings of over $2,500. This demonstrates our commitment to achieving positive outcomes for our clients.
  
  Regarding the fees, our records show that all charges are consistent with the terms outlined in your contract. Cordoba Legal Group operates on a performance-based fee structure, meaning we only collect fees when results are produced. It appears there may be a misunderstanding about the fees, as our review confirms that the fees charged have not approached 50% and adhere strictly to the agreed-upon terms.
  
  The third-party bank account is fully controlled by you, the client. Cordoba Legal Group has no control over this account, which ensures that you maintain complete oversight of your funds. Any updates to balances in the portal reflect transactions such as payments to creditors and contributions made by you. We strive to maintain accurate and timely updates in the online portal, and any discrepancies reported will be reviewed to ensure clarity and accuracy.
  
  We regret any inconvenience caused by the balance discrepancies and any interactions with our representatives that you found unsatisfactory. We aim to provide courteous and empathetic customer service at all times.
  
  ********************** takes allegations of fraud and integrity very seriously. We will have our team reach out to you to review your account details comprehensively, clarify any misunderstandings, and resolve any outstanding issues. Rest assured, our goal is to maintain transparency and trust in all our client relationships.

• Initial Complaint

  07/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was called by ********************* to sign up for their Debt Relief program after he explained the process and how much it would cost me per month I decided to go with his firm unfortunately he never informed me that even if they dont do anything that I would be charged fees per month, they withdrew payments from my account May 5 $364.16 June 5 $364.16 I sent them a cancellation to the support support group on July 1. I also called them to reiterate my cancellation. I was sent a refund for $564.52. Which was $164.80 short of my payment I was never informed that there was any fees when I talked with **** was told that I could cancel at any time prior to them doing anything because it would take a while I canceled within 60 days and I wanna know why theyre charging me all this money I was told that theres $60 a month fees for potential services that were never performed. In addition, I was charged $10.95 per month to set up an account to pull the money that seems a little outrageous was never informed about that either from ********************* I was told I would get a full refund now Im not getting a full refund, I think these people committed fraud against me because they did not inform me Unfortunately, you signed the contract before youre able to read it. Its a DocuSign at that point. Its a little too late. I asked if there was any fees ********************* said no. But now Im being charged $163.80 for fees for two months of them having my money. They misrepresentative themselves they did not inform me of all of their deceitful ways. I want my full refund and they wont give it to me. They did not perform any services no legal services no other than pulling my money out of my account for two months. I will never do business with this company again I telling people please dont do business with them. Theyre fraud they dont tell you everything upfront and once you get into them and they start taking your money, they start charging you a bunch of fees fraud fraud

  

  Business response

  07/11/2024

  Cordoba Legal Group strives to maintain transparency and integrity in all our client interactions. We appreciate the opportunity to address your concerns and provide clarity based on the facts of your case.
  
  The $10.95 charge you mentioned is a fee associated with a third-party bank account where your funds are held under your control. This service is separate from Cordoba Legal Group.We have contacted the third party company and they have agreed to issue a refund of the 2 fees taken.
  
  When you signed up for our personalized debt resolution plan, you entered into a contract that outlined all applicable fees and services. Our records indicate that the contract was signed, and we believe this document provided clear information about potential fees and the process involved.
  
  We understand that you canceled your plan on July 1, and we acknowledge the prompt refund issued to you. Cordoba Legal Group operates on a performance-based fee structure, meaning fees are only taken when results are produced.
  
  Regarding your communication with *********************, we strive for clarity and thoroughness in all client interactions. We regret if there was any miscommunication regarding fees and the cancellation process. Our goal is to ensure clients fully understand their commitments and the details of their personalized plan.
  
  We take claims of misrepresentation seriously and are committed to addressing any issues promptly. Our team will review your case in detail to ensure all procedures were followed correctly and to identify any areas where communication can be improved.

• Initial Complaint

  06/28/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The business left out what is, perhaps, the most important part of their requirements during both the sales process and the on-going (and documented) inquiries I made. Namely, BEFORE THEY BEGIN EVEN NEGOTIATING DEBT on my behalf, they needed to collect 30% of said debt from me in the form of escrow payments. NOT ONCE did I know this until ****** days into the process. Even in text messages with the ********************* who sold this me, he indicated that we will settle this within ***** days. In calls to the company, which he directed me to, I was told the same. In fact, I was told "we are close to settling" on one of the debts. Moreover, I was even sent the *** so "we could expedite" this settlement. Two weeks later, when I asked where we stood, I was told "Sir, we haven't begun anything for you until we receive 30% of the debt in your escrow account." I nearly fell over! Even on that same day, **** continued to insist that it will be settled soon. Either 1) he is lying or 2) he doesn't know his own company's basic structures/policies. Even the person I spoke to on the cancellation ***** said this was a massive error and will be escalated. The damage done to my credit score is irreversible since **** told me "It will go down temporarily, but once settled, it will go right back up." Well, it will NOT be settled and therefore my credit reputation is damaged and finding another way out of this debt is limited. Cordoba either has poor employees, intentionally does a "bait and switch", or some combination of the two.

  

  Business response

  07/02/2024

  We understand the concerns youve raised and appreciate the opportunity to address them.
  
  When you retained our firm in April 2024, you entered into a personalized 60-month plan. Effective debt resolution requires a substantial amount of time and consistent effort, and it is not feasible to achieve significant progress within a mere 60 days, especially with only 2 out of 60 payments made.
  
  As for the impact on your credit score, it is stated in the contract and verified during our recorded calls that credit scores can decrease as part of the debt resolution process. We never guarantee that credit scores will immediately improve post-resolution.
  
  Regarding the 30% escrow requirement, this is a standard part of the process and necessary to accumulate sufficient funds to negotiate effectively on your behalf. This process, including the timeline and expectations, was outlined in your contract, specifically on page 8, paragraph 11.
  
  We regret any confusion or miscommunication about the timeline and process.While our representatives aim to provide accurate information, we cannot guarantee when a resolution will happen. We can go off our past experiences and go by what our contract outlines.
  
  Our firm is committed to resolving debt transparently and effectively. We will reach out to you to clarify any remaining questions and work towards an effective resolution. Thank you for bringing these issues to our attention.

• Initial Complaint

  06/21/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Received a call stating that ******* was a debit consolidation company and that they would take all of my debits and make it into 1 payment for 28 mths. The amount was without interest and was I was told I had to make the 1st payment within 2 weeks. So I made the 1st payment and I wasnt sure if I was supposed to make my Lowes credit card payment so I called Corbova and spoke with an *** and it said not to make any payments and that I needed to be at least 120 days or more delinquent in order for them to get a payoff amount from my creditors. This is totally opposite of what I was told when I enrolled- I was told that since I didnt have any late payments and my bills were all being paid that it was the reason for the low payment. So I texted the original guy that enrolled me and he again said it was a debt consolidation program and that yes my creditors would not be paid immediately but after 4-6mths my creditors would be paid off and my credit would be better. I feel that this company is misrepresenting what they do and I paid them $299 and want it return and everything canceled plus they ran my credit report for this and I want that reversed so that Im not dinged on my credit due to their false statements.

  

  Business response

  06/24/2024

  We appreciate your feedback and take your concerns very seriously. Our primary goal at Cordoba Legal Group is to provide transparent and effective debt resolution services to all our clients.
  
  Firstly, we want to clarify that we are a law firm, not a debt consolidation company. Our services and the process involved are clearly outlined in the contract you signed upon enrollment. The personalized 28-month plan you were provided with is designed to address your debts comprehensively over that period. This information is crucial to understanding how our program works and what to expect.
  
  We understand there may have been some confusion during your interactions with our representatives. It is important to note that for our debt resolution strategy to be effective, certain steps must be followed. We apologize if this was not clearly communicated to you initially.
  
  Regarding your concerns about misrepresentation, we assure you that it is never our intention to mislead our clients. Our goal is always to provide accurate information and support throughout the process. We regret if there was any misunderstanding during your enrollment and subsequent communications.
  
  We encourage open communication and are always here to address any concerns you may have. You mentioned you could have easily called us to resolve this issue, and we sincerely regret that you felt the need to escalate the matter to the BBB. We are more than willing to cancel your services and fulfill your request. We value your feedback and hope to resolve this matter to your satisfaction.

  Customer response

  06/25/2024

   
  Complaint: 21885733
  
  I am rejecting this response because: I did spend hours on the Phone and never was it easily resolved, I was told to wait 5-7 days and call back to get my account closed and not by 1 representative but 4 of your representatives. The initial representative gave me false information and told me the polar opposite of what your company actually does. I would have loved to have had the time to throughly read the documents sent to me but again the representative stated I needed to be quick with signing as the monthly payment would be higher if I delayed.??? I added up all my credit card debt and divided the amount by 28 months and seen that the amount owed was much lower than the total amount. As I was assured by your representative that the fact that I didnt have any late payment was a great benefit for. The only reason I found out the truth was that I called in to ask if I needed to continue making payments for my creditors until( as your representative stated many times) ******* worked their magic. I now am getting 5-8 calls per day from ******* and I am working and its very disruptive and frustrating that even though I have closed this account that I am receiving nonstop spam calls that are automated and just say I need to call back immediately as there is urgent news. The hours I have spent on the phone is so ridiculous as it resolved nothing and thats I escalated the situation to the BBB. 
  
  Sincerely,
  
  ***************************

  

  Business response

  06/25/2024

  We apologize for any confusion, but after signing your agreement, your case was transferred to our quality assurance department. This team is responsible for clarifying what the Cordoba Legal Group does and does not do, including our policy that we do not make payments directly to your creditors and that your credit may be negatively impacted. It's important to note that there are fees associated with our program, which explains why the simple calculation of dividing your debt by the months in your personalized plan does not reflect the total amount stated in our contract. You requested the cancellation of your services on June 21, 2024, and we processed this request promptly on June 22, 2024. We wish you the best moving forward.

• Initial Complaint

  06/19/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I started a **** relief with this company when all of my accounts were still in good standing. They changed me nearly $1000 for 4 months. They will not refund my money and have done nothing but destroy my credit. They argue when you want to speak to a manager and have excuses for everything. What kind of law firm would do that?

  

  Business response

  06/21/2024

  Thank you for bringing your concerns to our attention. We take all feedback seriously and aim to address any misunderstandings and issues you may have experienced.
  
  Firstly, we would like to clarify that Cordoba Legal Group did not charge you $1,000 per month. Instead, a personalized plan was created based on your financial situation and affordability. Our primary goal is to assist our clients in resolving their debts in a manner that aligns with their unique financial circumstances.
  
  We are pleased to inform you that within four months of retaining our law firm, we successfully resolved a debt exceeding $25,000, achieving a savings of over $10,000 for you. According to the terms of our contract, our fees are based on performance and are only charged upon achieving a resolution. The fee charged was solely for the resolution of this specific debt, as clearly outlined in our agreement.
  
  It is important to note that the money paid was directed towards this resolution. Unfortunately, you decided to cancel our services during the settlement process, which impacted the continuation and finalization of our efforts on your behalf.
  
  We apologize if there were any communication issues or if you felt that your concerns were not adequately addressed. We strive to provide excellent customer service and regret any instance where you felt otherwise. We are committed to improving our communication and ensuring that our clients feel supported and informed throughout the entire process.
  
  Please feel free to reach out to us directly so we can address any remaining concerns and provide further assistance. We value your trust and are dedicated to resolving this matter to your satisfaction.

• Initial Complaint

  06/18/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I hired this group for debt consolidation almost a year ago. I was just served papers, being sued, from Discover Card. They were supposed to be negotiating this. I have paid $2,000+ and still being sued and getting bills from the 2 companies they were supposed to have negotiated down. They do not respond. Say they have my back but no response as to addressing this lawsuit. Im running out of time and want restitution, as I have to now get another lawyer to deal with this lawsuit.

  

  Business response

  06/21/2024

  Thank you for reaching out and expressing your concerns. We understand the stress and frustration that legal matters can bring, and we are here to clarify and assist.
  
  First and foremost, it's important to note that Cordoba Legal Group specializes in debt resolution, not debt consolidation. Our approach is to negotiate with your creditors to resolve your debts, aiming to reduce the overall amount you owe. Being sued by a creditor, such as Discover Card, can be a part of this complex process, and it's crucial to understand that no one can prevent a creditor from initiating a lawsuit.
  
  However, this is precisely why retaining a law firm like ours is beneficial. Our team is equipped to handle these legal matters on your behalf. Your retention of our services means that we will represent you in these legal proceedings. There is no need to hire an additional lawyer; we are here to protect your interests and provide the legal support you need.
  
  We apologize if you have experienced any communication issues. This is certainly not our intention, and we are committed to addressing this promptly. Our legal department will reach out to you to discuss the specifics of your case and the steps we are taking to address the lawsuit from Discover Card.
  
  Please be assured that we are dedicated to your case and will work diligently to resolve these matters. We value your trust in Cordoba Legal Group and are committed to providing the support and representation you need during this challenging time.
  
  Thank you for your patience and understanding. We will be in touch soon.

• Initial Complaint

  06/16/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  This company is deceitful and refuses to answer the phone. we were attempting to contact Cordoba legal services for a month in an attempt to cancel the contract. We finally spoke to one of their representatives on 6/15/2024 and he was unable to resolve our issues which was to cancel the contract. His name was ********* and he advised that we wait until Monday 6/17/2024 to cancel the contract and that he would call us on that day. They have been deceptive in their practices by changing the address on several of our credit cards. My wife received several emails that informed her of these changes. She then attempted to contact Cordoba about this because they we're told to not do anything. We were unable to make contact with anyone. My wife was up half the night taking care of the address change issues. She also sent a email to get the contract cancled. Not at all Happy. By the way they haven't even taking a payment form her but they are trying to take over the credit cards. Not gonna Happen.

  

  Business response

  06/17/2024

  We apologize for any confusion or inconvenience caused by the recent interaction regarding your contract cancellation with Cordoba Legal Group.Please note that ********* is not affiliated with our firm, and any advice or information provided by him may not accurately reflect our standard procedures.
  
  Upon reviewing your case, we confirmed that on June 15, 2024, you spoke with one of our representatives who promptly initiated the process to place your account in pending cancellation status. As this occurred on a Saturday, our managerial team finalized the cancellation today, June 17, 2024. We assure you that no payments were processed during this time, and there was no attempt to make unauthorized changes to your credit cards.
  
  We understand your frustration regarding the difficulty in reaching us prior to June 15, 2024. We are committed to improving our communication channels to ensure such issues do not recur. Please accept our sincerest apologies for any inconvenience caused during this process.
  
  If there are any further concerns or if you require additional assistance,please do not hesitate to contact us directly.

• Initial Complaint

  06/14/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was told I would have legal representation by a service representative about 4 months ago if I was taken to court for my credit card debt. I was also told when I first signed up with them over a year ago that my monthly payments would not change from the $734 . They refuse to answer my question on why they will not stand behind there word. I know they have recorded phone calls yet they refuse to even look into these claims for me. I was totally misled and lied too. I now have to pay the full settlement amount or I will be taken to court without representation from them.

  

  Business response

  06/17/2024

  Thank you for sharing your concerns. We apologize for any confusion or frustration you've experienced regarding the terms of your agreement with Cordoba Legal Group.
  
  Regarding your payments, our contract outlines a set payment schedule, and any additional funds requested are purely optional and aimed at accelerating the debt resolution process. We provide clients with the choice to accept or decline settlement offers based on their financial situation.
  
  We understand your disappointment regarding the assurance of legal representation. Please accept our apologies if there was any miscommunication or misunderstanding regarding this matter. We take your concerns seriously and are committed to reviewing your recorded calls to address these issues promptly.
  
  Regarding the stability of your monthly payments, we strive to maintain consistency unless adjustments are necessary due to legal actions or other unforeseen circumstances. We regret any inconvenience caused by the discrepancy between what was communicated initially and the current situation.
  
  Our team is dedicated to achieving the maximum savings for you while representing your best interests. We are committed to resolving this matter and ensuring a positive outcome. Please contact us directly so we can discuss this further and address your concerns promptly.
  
  Thank you for your understanding and patience as we work to resolve this issue.

• Initial Complaint

  06/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My Loft credit card has been put on hold by the Cordoba Legal group which I have never hired nor have they been in contact with me. I have no debt or ever had any debt.I am not able to get in contact with company due to the fact that I don't have an account with them because I never hired them and they never contacted me with an account number.When you call the number listed they say on the recording that you need to put in an account number which I don't have and that the number I am calling from they don't recognize so they don't accept my call.

  

  Business response

  06/04/2024

  Good afternoon, this person is not currently, nor has ever been a client of ours (we looked by name, phone number, address and email). We have no record of any communication with her. 

  

  Business response

  06/06/2024

  Good afternoon, this person is not currently, nor has ever been a client of ours (we looked by name, phone number, address and email). We have no record of any communication with her.
  

  Customer response

  06/06/2024

  They answered that I am not a client, I know that I am not a client but this Cordoba Legal Group put a hold on one of my credit cards. Obviously they mistook my info with someone else's !!

  I need this fixed !

  

  Business response

  06/17/2024

  From: <***************************************************>
  Date: Mon, Jun 17, 2024 at 2:17 PM
  Subject: BBB Complaint
  To: ************ <************************************>
  
  
  

  Hello ****,

  We've received a BBB complaint regarding an issue unrelated to our company's actions. The complainant alleges that we have placed a hold on their account with a creditor, which is simply not within our authoritywe lack the capability to enact such measures. Occasionally, documents we send to creditors for clients may be misfiled, potentially causing confusion. However, our contacts at the creditor have confirmed that we have not submitted any documentation on behalf of the complainant, as they do not appear in our records.

  Regrettably, there is little we can do to resolve this issue, as we do not represent the individual in question. It is unfair for us to receive a complaint due to an error made by another entity. We kindly request that the BBB remove this complaint against our organization.

  Complaint ID: ********
  Filed: 6/4/2024
  Name: *******************************

  Thank you

  
  
  

• Initial Complaint

  05/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I started an account with ********************** on 2/12/2024 to help with some debt I had occurred due to unfortunate circumstances the last couple years. I was able to pay off debt another route, so I called to cancel on 5/10. Cordoba had settled one account and fees had already started to go to that creditor. I had a payment come out to Cordoba on the 5/10 as well. I understood their fee, but was led to understand on the recorded call that I had with ******************* that no more payments would be sent to creditors. I was told on 5/10, on a recorded line, that I would get a refund in 3 to 5 business days. I didn't see any balance change in my account by 5/14, so I called to verify the deposit date and refund amount. I was told it was 518 dollars and I would see it by Thursday May 16. When I looked at my bank account on 5/17, which was 5 business days exactly from 5/10 there was no deposit. I then called that afternoon of the 17th and I was then informed that the refund was in process, and I would see the $518.00 NO LATER than 5/22. Today is 5/21 and I checked my Cordoba account to see a zero balance with fees distributed to the creditor, not to myself. I called again today and was told more conflicting information about fees Cordoba collected, but that is not what my account reflects. No fees should have been taken out of my account after I closed my account on 5/10. I was placed on hold several times with no resolution. I will continue to attempt to get my balance, which I am owed.This company is extremely shady and they appear to be able to lie and get away with it. I will be sure to let people know to avoid doing business with Cordoba Legal.

  

  Business response

  05/21/2024

  We sincerely apologize for the confusion and inconvenience you've experienced regarding the cancellation of your account with ********************** and the associated refund process. It is never our intention to mislead or withhold information from our clients, and we regret any misunderstanding that occurred in this instance.
  
  Upon reviewing your account and the recorded call with ****, we acknowledge the discrepancy in the information provided regarding the refund timeline. We apologize for any confusion caused by the conflicting information you received regarding the refund amount and the expected deposit date.
  
  We understand the importance of resolving this matter promptly, and we are committed to ensuring that you receive the refund you are owed in a timely manner. We have initiated an internal investigation to address the discrepancies in your account and to expedite the refund process.
  
  Please rest assured that no fees should have been deducted from your account after the cancellation on 5/10, and we will rectify any errors in the distribution of fees immediately.
  
  We apologize for any frustration caused by the delay and the conflicting information provided to you. Our team is dedicated to resolving this issue to your satisfaction, and we appreciate your patience and understanding as we work to correct this matter.
  
  If you have any further questions or concerns, please don't hesitate to reach out to us directly. Thank you for bringing this matter to our attention.

  Customer response

  05/23/2024

   
  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,
  
  *******************************

*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. ↩