ComplaintsforSignature Servicing, LLC

• Initial Complaint

  06/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Started working with Signature Servicing to help me with mounting debt. I was told that this would:* not have a huge impact on my credit..... * I would be able to see activitiy on my account of all payments and how much monies were beign accrued. can't see * and most importantly. I was just served a summons to court as i am being SUED by ************ which is one of the accounts that I entered into the program.... over a year ago....i pay out over 680 per month to these people to get me out of debt.... what i am really doing is paying for my life and credit to be destroyed. I thought this was a credit counceling program... bait and switch is what it really is.

  Business response

  06/26/2024

  We spoke to *************************** yesterday. She is very stressed about the lawsuit she received from Cap One. In order to help her we have decided to take care of *********** on our own. She will not have to worry or pay anything on that account. thank you

  Customer response

  06/28/2024

   
  Better Business Bureau:
  
  Once this case was brought to the companies attention, I was contacted very quickly by the owner of the company.

  After explaining my situation, he had a better understanding of my issue, and got his legal department involved on my behalf.

  I am extremely satisfied with the resolution presented to my by Signature Servicing. 

  It was a very generous and I feel that he truly invested in getting issue resolved. 

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

• Initial Complaint

  06/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Fees and monthly payments were collected for two accounts that were not settled. It was an agreement that no fees would be collected from the account until a settlement. This was for interest to grow so that when the accounts were settled, there would be enough to pay it off. The notice given only applied to the amount that is in the special purpose account.Again, from my understanding from the initial conversation and the paperwork, fees are only taken after an account is settled. It is illegal to collect fees before then as pointed out by the initial representative. Before the request to cancel services, only one of those accounts was settled, Achieve; one account was removed after ******************** would not talk to Signature Servicing; and *********** was not to be negotiated until May as informed by *******-Customer Service representative. Since October 15, 2023, $376.50 has been deducted from my account under the terms of all three accounts were guaranteed to be settled. In February, I received a summons to court for Leaders and I contacted Signature Servicing. I did not hear back from Signature Servicing until April and was told that they could not negotiate with ******************** that my terms would be reduced to 20 months and my monthly payment would be around $300 moving forward. The payment was not adjusted until I called back and the amount was drafted from my account. I now have a very low credit score and visit to court as well as court costs due to the instruction given by Signature Servicing. If I had been informed that Signature Servicing could not negotiate with ******************** in the beginning, I could have worked something out with them. I put a lot of trust in Signature Servicing and have been let down. The only right thing to do is refund me for the payments made which totaled $2,635.50. I was told by ******* that the Achieve settlement would be reversed and will be sued therefore, my payments should be reversed as well.

  Customer response

  06/06/2024

  I have included email correspondence between Signature Servicing and myself. I reached out multiple time only to get general message asking me to call them. Some messages were not answered at all. 

  I also included the general ledger from the account that was supposed to completely free. Each month fees were collected

  Business response

  06/06/2024

  I am the owner of Signature Servicing. I just spoke to ****************************. I am reviewing his account and I will give him a refund.

  Thank You

  Business response

  06/10/2024

  I spoke to Mr. ************ on Thursday. I was able to give him a full refund for all the money he sent my company. He is a super nice person, and I will be glad to help him in the future with any questions he has going forward with his creditors.

   

  Thank you 

  ****

  Customer response

  06/11/2024

   
  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. ****, the business owner was kind enough to ***** me a full refund. I am currently waiting for the transaction to post which should happen within the next business day. He was very pleasant to deal with and very prompt. He did exactly what was agreed to. At first there was an error but he made sure to keep his word which was very honorable. Thank you for help in this matter. 
  
  Sincerely,
  
  ***********************************

• Initial Complaint

  12/15/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  2020 Georgia Code Title 13 - Contracts Chapter 5 - Defenses Article 1 - General Provisions 13-5-5. Fraud Fraud renders contracts voidable at the election of the injured party. I demand a full refund immediately. 1. I was told this process would not cause negative payment history due to "great relationships" with the credit bureaus. 2. I was told that I would be funded for the loan amount of my total debt after 4-6 months. These were both false statements. I would have never entered this program as it does not make sense nor could it due to my current situation.

  Business response

  12/20/2023

  12/20/2023
  
  Re: *****************************
  **************************************************
  ******* ** 30313
  Daytime Phone:
  ************
  
  Case Number: 21012421
  Date of Notice: 12/15/2023
  
  Dear Sir/Madam:
  
  **** letter is in response to the above-referenced complaint submitted to the Better Business Bureau by ***************************** regarding Signature Servicing LLC.
  
  On 12/18/23, I spoke with ******************** regarding her complaint. I dont feel that this program was explained properly to ********************. So, I agreed to give ******************** the refund she requested ($3996.00).Also, I promised ******************** if I hear of a loan or another product that can help her, I will reach out to her. She also understands that can also call me anytime if she needs some help or advice with this situation going forward. She is a high-quality person who I will be happy to help her in any way.
  
  I trust that this letter provides your office with the information required for resolution in this matter. Should you have any questions or need additional information, please contact me at ************.
  
  Sincerely,
  
  ***********************************
  President
  Signature Servicing LLC

  Customer response

  01/11/2024

  I would like to publicly respond as the business owner did fix the issue.

• Initial Complaint

  11/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I signed up with this debt settlement firm 06/02/202 and they made oral representations that were backed up by the written contract.They failed to perform on its duties once the debt settlements were negotiated so that more than 3 years later my credit score is still terribly negatively affected by their lack of performance - even though I have paid off all negotiated debt already.BUYER BE WARE - in my experience this firm has not been ethical.

  Business response

  11/08/2023

  ********************* is not a client of Signature Servicing LLC.(Please see attached) ************ signed a retainer agreement with the *******************. Many law firms around the country engage us to assist them with the debt settlement process. I have left ************ numerous voice mails asking her to contact me directly on my personal cel phone so I can point her in the right direction.I also think another attorney group may have taken over for the *******************,possibly thats where the misunderstanding is coming from?
  I am only here to help but I do not understand if she is unhappy with my company why she refuses to take calls from the owner of the company? She can call me anytime **** **********. I will put her in touch with the law firm she signed up with and they will be able answer any questions that she has about the process.
  Since ************ never signed an agreement with my company and is not a client of ours, please remove this complaint.
  Thank you.
  *****************************

  Business response

  11/08/2023

  I'm Sorry for my misspelling. *********************

  Customer response

  11/09/2023

   
  Complaint: 20838611
  
  I am rejecting this response because:

  1.  ************************ is saying my contract was not with Signature Servicing.  See the attached contract.  Signature Servicing performed 100% of the work on my case since 6/1/2020 to current date.    What ************************ sent to you as the "contract" is only 4 pages, whereas the actual contract is 17 pages.  The significant missing pages that ************************ did not provide to you are:

  a)  Exhibit C, page 7, confirming a third-party, presumably Signature Servicing, would "perform debt settlement services" on my behalf.  Signature Servicing was the only party that communicated with me in this case leading up to, and then my signing the agreement 6/1/2020.

  b)  Page 11, Notice of Cancellation Rights.  This document states to send the cancellation notice to ":***** Law Firm, LLC, c/o Signature Servicing, LLC.   Signature Servicing performed 100% of the services related to this agreement and is responsible for lack of performance and other negligence.

  c)  Unmarked page number.  Consumer Authorization and Disclosure Statement that I signed 6/1/2020.  This document authorized Signature Servicing, LLC to access and share my personal information for the purpose of settling my debt.

  d)  The appended agreement with *********************** pages 1 through 4.  I have confirmed with *********************** that ****************** law firm had zero communication with it and that 100% of the communication was via Signature Servicing.

  It is my belief and opinion that Signature Servicing uses law firms as a 'front' for just this reason - so they can tell entities like the BBB that the "contract" was not with them.  However, I was and am indeed a 'client' of Signature Servicing since 100% of the communication on my case since inception has been through them. 

  2.  My communication since I sent my first complaint to Signature Servicing, more than a year ago, on March 29, 2022, has been with their employee/agent ****************************  I have numerous numerous email communications and records of phone calls with *********************  In my experience and belief, ******************** has attempted to intimidate me from seeking resolution of the very negative impacts to my credit rating directly caused the actions and the inactions of Signature Servicing in its breach of the intent of the agreement.  I would never have signed onto this program if they had revealed that my credit report would be negatively impacted to this extent.  I can explain further if needed.

  3)  I asked Mr. ************** repeatedly, in writing, for the phone number of the business owner.  He never provided it to me.

  4)  ******************** advised me in writing that he/they would not communicate with me any further and that I should contact the *******************.  I did contact Attorney ***** and was advised they have not represented Signature Servicing for years.

  5)  On 11/7/2023 ******************** inadvertently sent me the name and phone number of the new law firm in an email including "This is the attorney who oversees her file. He took over for the *******************."  I believe Mr. ************** intended that email for the owner and not for me.

  6)  I contacted the new attorney, emailed him my immediate concerns, and have a scheduled appointment with him this week.

  Additionally, in my email and oral communication with ******************** he repeated said that if I only asked "nicely" for help in resolving my credit report issue that a)  his owner would have gone out of  his way to help, and b) he himself would have gone "above and beyond" to help resolve the credit damage they themselves have caused.

  Since when does a service provider stipulate such conditions to perform the duties it was required to perform, that it was paid to perform?

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

  Business response

  11/09/2023

  *********************** the ************** attorney has an appointment with ************ tomorrow 11/10/23. He will discuss this situation with her and let me know what he decides.  

  Thank you.  

  Customer response

  11/14/2023

   
  Complaint: 20838611
  
  I am rejecting this response because:

  I did talk with attorney *********************** last Friday, 11/10/23, but he said he is NOT representing Signature Servicing at this time.  I have scheduled another call with **************** this afternoon, 11/14/23.  .  

  I will be retaining legal counsel and I will also be sending Signature Servicing an email today about the CitiBank account that is showing it is currently in collections.  This was not supposed to happen and is causing me additional harm.

  Please be advised that the financial firm I hoped to join has DECLINED to onboard me because of the two specific matters on my credit report that was directly caused by Signature Servicing - JPMC and CitiBank.  These two matters need to be cleared up by Signature Servicing immediately.

  Signature Servicing also needs to immediately provide the information that I previously requested.

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

  Customer response

  11/14/2023

  Hello on 11/14/2023.

   

  Please see the attached letter from Signature Servicing on its letterhead dated 3/29/22 where they directly contradict the denial by the owner that I was NOT their client.

  See the first sentence in the attached letter "****** has been a valued client of ours since June 2020."

  Thank you.

  Customer response

  01/11/2024

  Hello on 1/11/2024.  This matter has been satisfactorily resolved and I would like to withdraw the complaint or reflect that it was resolved.  How do I do that?

• Initial Complaint

  08/09/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I hired this firm in March to provide debt settlement services. They have withdrawn $606.83 from my checking account with ********** each month since then. Each time I try to contact them I get nothing but messages. I cannot access my account online, nor can I locate their website anymore. Trust Pilot assured me that this company was legitimate. Which one fabricated the truth?

  Business response

  08/10/2023

  My name is ***************************** I am the owner of Signature Servicing LLC. I have checked our data base and ************************* is not a past or present client of ours. I do have relationships with other debt settlement companies in the industry. If ************ can email me at ************************************** with the name of the company he enrolled with (he should have an agreement that he signed with all that information) I will gladly help him find the company and I will help him get a refund.

  Thank you.

   

  Business response

  08/15/2023

  8/15/23
  
  Re: *************************
  **********************************************************************
  Daytime Phone:
  ************
  
  Case Number: 20448127
  Date of Notice: 08/09/2023
  
  Dear Sir/Madam:
  
  **** letter is in response to the above-referenced complaint submitted to the Better Business Bureau by ************************* regarding Signature Servicing LLC.
  
  On 8/10/23, I spoke with ************ regarding his complaint. Originally, I could not find him in our database. He told me he was a client of a different company. As it turns out I know of the company he signed up with. I was able to speak to them and they spoke to ************. They were able to answer his questions and he decided to stick with them. I gave him my direct number and he understands if he ever has a problem with them, he can call me directly. ************ is a super quality individual. I am glad we could help him.
  
  I trust that this letter provides your office with the information required for resolution in this matter. Should you have any questions or need additional information, please contact me at ************.
  
  Sincerely,
  
  ***********************************
  President
  Signature Servicing LLC

  Customer response

  08/15/2023

  A representative from Signature Servicing called me to apologize for the confusion caused by their portal.  He directed me to the person with whom I needed to discuss my case and concerns.  
  

  Therefore, I rescind my complaint, with your kind indulgence.  I feel much safer knowing that the BBB is one the job.

  Respectfully,

  **************************************  

   

• Initial Complaint

  04/04/2023

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  I enrolled into the program with Signature Servicing, they told me that they would be able to settle my debts at "pennies on the dollar". All was going good until we reached my last creditor that Signature Servicing has been dragging their feet on talking to them. Now, Signature Servicing says that they cannot negotiate with the creditor while my escrow funds are tied up with other accounts, but yet they were handling multiple creditors at a time with the escrow account. So about my final creditor, Signature Servicing was able to get them to agree to a 40% payoff, but the time period was not favorable to my current plan, so they chose to not inform me and allow me to say "yes" or "no". Had I been informed, I would have tried to figure out a way to make it work. Now the debt is in the hands of a law firm and they are demanding 80%, which if you add on Signature Servicing's fees, would be more than the original debt. The long and short is, because they Signature Servicing chose to not inform me of the great payoff, I am going to be out an additional $10,000. I warn anyone and everyone to stay far away from this company, they are looking out only for themselves and do not care about their customers. I want Signature Servicing to accept my 40% payout that I should have been able to take months ago, and they should take the financial hit for failing to communicate with their customer.

  Business response

  04/05/2023

  I am ***************************** the owner of Signature Servicing. I just spoke to **************. We are in the process of reaching out to **************' creditor. I agree with **************. If my company failed to inform him of a settlement offer he should not be responsible to pay the creditor more than their best offer. Once we hear from the creditor I will work with ************** to get this creditor settled so he can graduate from our program.

  Thanks

• Initial Complaint

  10/17/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  STAY,AWAY. I signed up with them , They told me, my money was going into an account (they lead you to think it's in a bank) and I have complete control but if you want to close it you have to have them do it .that's just one thing,they tell you they are going to contact all your credit people they don't. I was called to take a deal. they said it was with bank (A) When I was told the amount I said that's high. ***** told me it was given to them at that amount. . At that moment I agreed . Then 10 minutes later I got out my paper work. I was right $$ amount was double they let it go into collection. They said they made agreement with bank . no it was collection company bank sold my account. I was told it was bank they made agreement with . Now I called them back canceled my account .asked me why who was I going to. This is 45 min later. Talked to ***** she grills you .nice when they want your money bad people when you want your $ back. Then I have to talk to next x** he ask same question I get made he hangs up on me . He sends me outdated paperwork tells me if I want my money I have to sign it. So I guess I didn't have controll of my money. I had 451. In my account ask for bank # they give me #. it not a bank it a company called finxera they out of cal. They just print checks .have nothing to do with your money . Now I call up finxera to see if check was printed and what date .He tells me oct 15 2022 .then I ask amount he says 179.$ I called signature to see why they took money out they said they took out fees I wanted to talk to owner the top ******************* was same guy who took my money from my account .I called 3 times to talk with him said he would call me back .0 calls backs Got FTC now looking into them. Read your contract .there are listed as a *******************

  Business response

  12/06/2022

  To whom it may concern. My name is *****************************. I am the owner of Signature Servicing. I am very sorry you feel this way about my company. We pride ourselves on giving the best possible customer service in the industry. All complaints from our clients are sent directly to me. I am very surprised that this is the first I am hearing about this. Please feel free to contact me directly at your earliest convenience. My personal cel number is ********** and my email is *************************************** I just need your name and account number and I will be glad to help you in any way that I possibly can. Thank you.

  Business response

  12/07/2022

  I spoke to **************** yesterday. He is a high quality individual. I believe that my company could have done a better job explaining to him some of the details of this program. I sent **************** the refund he requested and will gladly help him in the future. Thank You- *****************************

• Initial Complaint

  09/14/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  My boyfriend at the time and I wanted to consolidate our bills. I was told to have no contact with any of the debt companies that would be calling me and Signature Service would take care of everything for me. I was never made aware that resolution with Discover wasn't happening until I got a notice that a judgement was filed against me in small claims court. Which Signature Services assured me they would take care of. It then become aware something didn't happen when my wages were garnished.

*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. ↩