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:02/27/2025

  Type:Product 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.

  They offered to reduce my weekly payment from 1680 to 687 But for 10 weeks, it was **************************************************************************** that offer once I acceptedthat offer and did what they told me to do. Go to my bank stop the *** which I did and they would take care of rest well four days later my account was frozen due to a ** filing that they shouldve been aware of before that they offered me that number they did not read the contract. They did poor work and they are still trying to collect the money every week out of my account, which is causing me to go negativeand bank charges. They need to stop this ASAP and return my money nothing but a scam

  Business Response

  Date: 03/05/2025

  Date: 3/4/2025

  
  Regarding: Complaint by Mr. *********** ****** (Complaint #********)
  
  Dear Better Business Bureau Representative,
  
  Thank you for forwarding Mr. ******* complaint to our attention. We appreciate the opportunity to respond and clarify the circumstances surrounding this matter. Below is a summary of the timeline and our efforts to address his concerns:
  
  Engagement and Reduced Payment Arrangement
  On or around February 5, 2025, Mr. ****** signed our contract to restructure his payments to approximately $776.56 (not $687 as he alleges) for a set number of weeks.
  
  Bank Information and Missed Payments
  **************** signed the *** form, our team discovered that the bank account information provided initially was inaccurate. This resulted in a failed draft for at least two payments.
  
  We immediately reached out to Mr. ****** (via phone, email, and text) to rectify the situation. He confirmed that he could not make two payments at once and requested that one missed payment be moved to the end of his schedule. Our ****************** acknowledged this request and began processing the correctly authorized weekly payment of $776.56 going forward.
  
  Allegation of Instructing Him to Stop All ACH ********************* states in his complaint that we advised him to go to his bank and stop ACH altogether. Our records indicate that we only asked him to verify his ACH payments to ensure that he was not double billed.
  
  Unfortunately, it appears Mr. ****** placed a more general stop/hold on his account. That decision prevented timely processing of the revised, agreed-upon payment.
  
  *** Filing / Account Freeze
  We advised in our contract, welcome call and through enrollment the risks associated with the program and that the lenders have these collections methods available to them and we advised methods to mitigate these risks and he did not choose to exercise these methods.
  
  Mr. ****** references a *** filing that led to his account being frozen. It is important to note that such actions typically relate to the original creditor or merchant cash advance companynot to our company. We do not initiate or control UCC filings. Our role is to work on the clients behalf to negotiate and settle with creditors; we have no authority to file or remove a creditors UCC lien.
  
  Overdraft Charges and Negative Balances
  We understand and empathize with Mr. ******* frustration regarding any overdraft fees or negative balances. However, these fees often arise when a stop-payment or block is placed on an account without proper coordination. Once an ACH has already begun processing, it can be difficult for the bank to halt it midstream.
  
  Our team made multiple attempts to work with **************** and our own ****************** to ensure there were no duplicate or erroneous charges. We remain willing to assist him in documenting any wrongful charges if proof is provided.

  
  Settlement & Communication
  
  We have been corresponding with Mr. ****** and/or his legal representatives since early February to resolve the outstanding debt and negotiate terms with his creditor (Apple Advance). We responded to inquiries from attorneys (such as Ms. ******* **********) who contacted us on his behalf, and we remain open to further discussions to finalize a settlement.
  
  At no point have we refused to communicate or failed to read the contract.All adjustments and documentation were based on Mr. ******* input and explicit authorization (via e-signature).
  
  Request for ********************* is seeking a full refund and accuses our company of fraudulent or scambehavior. We respectfully disagree with his characterization. We have performed services in good faith under the terms of our agreementdrafting, negotiating,and communicating with relevant parties on his behalf.
  
  It is clear in our contract that there is a setup fee that is non-refundable,and we did not collect fees more than this amount.  Therefore, there is no remaining amount eligible for a refund.
  
  Conclusion
  We take our clients concerns seriously, and we regret that Mr. ****** feels dissatisfied. At all times, our goal has been to help him settle his obligations in a manageable way. We remain open to working with him (and/or his legal counsel) to address any final details, including clarifying the payment schedule and ensuring any pending ACH issues are resolved at his bank.
  
  If you require additional information or documentation, please let us know. We appreciate your time and attention to this matter.
  
  
  
  
  
  
  

  
  

• Initial Complaint

  Date:01/02/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I entered into an agreement with Debt Consultants Group on September 12th for assistance in managing my debt. However, I have encountered the following issues that I believe warrant your attention:Failure to Cancel Contract: I contacted them via phone within the allowable cancellation period outlined in their contract to terminate the agreement. Despite my efforts, they failed to process my cancellation request. I was transferred repeatedly between representatives, none of whom resolved my issue. Fifteen days after the agreements commencement, I sent an email requesting cancellation due to unauthorized deductions. This email went unanswered.Unauthorized Deductions: Since my initial cancellation request, the company has made unauthorized deductions from my checking account. Payments are being processed weekly, and for random incorrect amounts.Harassment and Threats: On December 24th, a representative contacted me and spoke in a demeaning manner, threatening legal action if I attempted further communication regarding cancellation. This behavior constitutes bullying, harassment, and retaliation.Failure to Honor Agreements and Threats The representative who contacted me on December 24th promised to provide a clear breakdown of what I owed. Instead, I received an email with additional unauthorized fees. The company has now imposed exorbitant fees, including $50 for each withdrawal,$35 for insufficient funds and $500 for blocking their access to my account I paid that, yet they are still taking additional payments. I have since sent a certified mail request to cancel the contract. Yet, the company continues to harass me with calls and mail, including attempting to contact me through other addresses or phone numbers I may be associated with. This violates my privacy rights, especially as per the initiated payments and successful payments out of my account. There have been no missed payments. The last successful payment was drafted on December 31st,2024.

  Business Response

  Date: 01/07/2025

  Hi ******,
  
  Thank you for sharing your concerns about your experience. Your feedback is valuable and helps us improve our services.
  
  Regarding the cancellation of your contract, our agreement provides a 3-day window after signing to make cancellations. Upon reviewing your file there's no proof of the certified email that you mention you sent.
  
  Our support team consistently communicates the progress of negotiations and the details of payment arrangements. It's important to note that not all lenders accept the same discounts or payment terms offered by our customers to resolve their debts.
  
  Additionally, despite our team's recommendation to allow us to handle negotiations on your behalf, you continued direct communication with your lenders. Based on our experience, lenders tend to exert more pressure on individual customers than they do when working with our legal team.

  This has made it challenging for us to take effective action on your behalf.
  
  We encourage you to reconnect with our customer support team to let us assist you in finding the best solution.

  Please don't hesitate to reach out for any additional information regarding your file.
  
  Thank you for your understanding.
  
  Best regards,
  Debt Consultant Group

  Customer Answer

  Date: 01/08/2025

  I called within the 3 day window to notify your company I wanted to cancel and thought it was done, till the next payments just kept coming out. When I reached out again in 15 days I was told of fees that I could pay to cancel everything . Still nothing was done. The company just keeps assigning me to different members of their group and nobody wants to hear that I wanted to cancel everything . As far as reaching out to my lenders. After trying to cancel from your company since the very beginning , I just started to reach out to the creditors ( in December) because you all havent paid anything out of the 14k deducted from my account, nothing has been paid towards any of the creditors. Your company is just waiting for everything to charge off to enter a settlement. After I keep asking to cancel my agreement, you all begin to threaten me , take out different random amounts out of my account, harass me through other addresses and locations , and bullying me into not cancelling. 
  

  All I am asking is to cancel the contract from the first three days. After seeing that you guys will not stop harassing me. I sent a cancelation request by mail certified recently ( you just took out another payment out of my account on the 31st) , And Ill be gladly attach the recently sent cancellation request to you . Im simply asking for you to cancel everything. Your company already collected ****** dollars from me and nothing has been paid to any of my creditors . Just please end our relationship, stop calling me, and stop drafting payments out of my accounts every week. The certified mail was sent in December. On the 3rd day of the commencement of the contract, I called to cancel. And in 15 more days I emailed to cancel, and someone said that they will get back to me. And never did. 

  Customer Answer

  Date: 01/08/2025

   
  Complaint: 22759373
  
  I am rejecting this response because:

  I called within the 3 day window to notify your company I wanted to cancel and thought it was done, till the next payments just kept coming out. When I reached out again in 15 days I was told of fees that I could pay to cancel everything . Still nothing was done. The company just keeps assigning me to different members of their group and nobody wants to hear that I wanted to cancel everything . As far as reaching out to my lenders. After trying to cancel from your company since the very beginning , I just started to reach out to the creditors ( in December) because you all havent paid anything out of the 14k deducted from my account, nothing has been paid towards any of the creditors. Your company is just waiting for everything to charge off to enter a settlement. After I keep asking to cancel my agreement, you all begin to threaten me , take out different random amounts out of my account, harass me through other addresses and locations , and bullying me into not cancelling. 
  

  All I am asking is to cancel the contract from the first three days. After seeing that you guys will not stop harassing me. I sent a cancelation request by mail certified recently ( you just took out another payment out of my account on the 31st) , And Ill be gladly attach the recently sent cancellation request to you . Im simply asking for you to cancel everything. Your company already collected ****** dollars from me and nothing has been paid to any of my creditors . Just please end our relationship, stop calling me, and stop drafting payments out of my accounts every week. The certified mail was sent in December. On the 3rd day of the commencement of the contract, I called to cancel. And in 15 more days I emailed to cancel, and someone said that they will get back to me. And never did

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

  Business Response

  Date: 01/09/2025

  Dear ******,
  
  Thank you for bringing your concerns to our attention once again. We genuinely appreciate the opportunity to address your feedback and work toward a resolution.
  
  We sincerely apologize if our previous communications did not fully resolve your concerns or provide the clarity you were seeking.
  
  To ensure your concerns are handled as quickly and thoroughly as possible, we recommend reaching out directly to our case management team at ***************.

  They are best equipped to provide detailed assistance and address your questions.
  

  At Debt Consultants Group, we prioritize transparent and open communication and are committed to supporting you throughout this process.
  

  Your satisfaction is important to us, and we are here to help.
  
  Sincerely,
  Debt Consultants Group

  Customer Answer

  Date: 01/11/2025

   
  Complaint: 22759373
  
  I am rejecting this response because:

  I no longer feel safe or comfortable speaking to you all after all of the threats and the harassment . Once again, publicly, in front of BBB, I am requesting once again to cancel our agreement , cease and decease from calling me and sending me threatening text messages along with text messages saying to wire your company 800 dollars and etc. I will attach the proof of the cancellation request  below. It shows that the address you listed on your contract isnt even your address because its now being forwarded to your forwarded address. Your company has already collected $14,000 from me and have done nothing, have not applied none of that amount to my two creditors . Again, I am requesting to end the contract, end the relationship and please stop calling me and reaching out to me at my address, my business address along with my relatives . Please accept this and move on.

   

  tracking number 

  9589071052702402236824

   

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

  Customer Answer

  Date: 01/11/2025

  At this point, I am not even requesting for them to return my $14,000. But I want to be left alone. I would like to cancel the contract , stop all of the calls and harassment. I dont know what other way to put that. They are sending messages daily and leaving messages daily . I sent them the cancellation request by mail since they ignored me at 3 days by phone call, ignored me at 15 days when I emailed and paid what they asked me to. And their address on the contract is not even valid, because as I am tracking the tracking, it says its being transferred. 
  

  I dont know what do they need to call me about. I just need them to stop . 

• Initial Complaint

  Date:11/19/2024

  Type:Sales and Advertising 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.

  This company is a ****.. they agreed to settle your loans for a reduce amount. 17k was sent in for payments and non of my lenders were paid. They kept the money and never paid my lenders. When I asked for a record of those paid they stated they do not have any records because my file was terminated for non payment. Payments were stopped due to my lender advised they had not gotten any payments. This company is a scam and should be investigate for fraud.

  Business Response

  Date: 12/10/2024

  Dear ********,
  
  We appreciate the opportunity to address your concerns and clarify the situation. Our company is committed to assisting clients in managing their financial obligations, and we deeply regret any misunderstanding or frustration caused during this process. 
  

  Upon reviewing your account, we found that while we successfully negotiated your settlements with Flash Advance and Money Merchant, our ability to make timely payments on your behalf was compromised due to several factors: 
  1) Missed Scheduled Payments: Your account incurred 18 non-sufficient funds (NSF) notices due to payments not clearing as scheduled. 
  2) Deviation from the Program: While our program relies on scheduled, secure payments to ensure timely disbursement to lenders, funds were instead sent via 15 wires on unscheduled dates. This disrupted our ability to manage payments effectively. 
  3) Impact on Creditor Relations: The inconsistency in payments strained our relationship with creditors, leading to threats and communications that further complicated the process. 
  
  We understand your frustration and regret not meeting your expectations. However, due to repeated *** incidents and non-payment, as outlined in our agreement, we had to terminate your account. This decision was necessary to maintain effective processes for all clients. Please note that all terms, including fees, were clearly outlined in the signed contract, which was shared with you via email for review

  We encourage clients to follow the agreed-upon program structure to ensure successful resolution. Should you have additional questions or wish to discuss this further, please feel free to reach out to us directly.
  
  Thank you for bringing your concerns to our attention. 
  
  Sincerely,

  Debt Consultants Groups

  Business Response

  Date: 12/10/2024

  Please note that the information provided by the user differs from the records in our files, which has delayed our ability to respond promptly.

  BBB Complaint: ******** *******, TN *****, Daytime Phone: **************, E-mail: *****************************
  ***********: ******** *****, TN *****, Phone: **************, E-mail: ***************************
  

  Please take the necessary actions to address this matter.
  
  We remain available for any further clarification or support.

  Sincerely,

  Debt Consultants Group

  Customer Answer

  Date: 12/13/2024

   
  Complaint: 22577783
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******** *******

  Customer Answer

  Date: 12/13/2024

  I will not accept this, information

  Here are facts stated from the lenders  regarding this company.. More than happy to continue this issue further and bring in the companies that were supposed to be paid.. 

  *** legal department stated they made several attempts to work with company and they never responded. Amari advised me in a text message they were unable to reach a settlement and could not get in contact with CFG ... I am have worked out my own settlement with this company and have not had any problems talking to them. 

  The missed payment was due to I was not sure if my lenders was getting the payments and gave them a bank account to run payments but Zelle the payments. 

  The fact of the matter is that this could took $17,000.00 from me and my lenders gave  got nearly anything on my debt.

  When I asked for my spreadsheet of payments Amari said they were DELETED and she know longer had the payment history (REALLY). 

  So again I do not acknowledge to redraw this complaint due to this company is scamming American small business that are trying to stay in business and you can companies that promise to help but steal your money.  

  Business Response

  Date: 12/17/2024

  Dear ********,
  
  Thank you for bringing your concerns to our attention. We appreciate the opportunity to address your feedback and clarify any misunderstandings regarding our services.

  First, I want to say how sorry we are for any frustration or inconvenience youve experienced. Our mission is to support small businesses like yours, and its never our intention to leave you feeling dissatisfied.
  
  We understand youve successfully worked out a settlement with *** on your own. While we always aim to achieve the best outcomes for our clients, results can vary depending on lender cooperation and other factors.
  
  Regarding your payment history, I completely understand how upsetting it must have been to hear that records were unavailable. Weve looked into this and ensured your records are intact. Ive attached your payment history for Flash Advance and Money Market Merchant for your review. Please let us know if you have any further questions about it.
  
  If youd like to discuss anything further or feel something still hasnt been resolved, wed be happy to talk it through. You can reach us directly at *************** to schedule a call whenever its convenient for you.
  
  Thank you again for bringing this to our attention. Were here to help and truly appreciate your patience as we work through this together.
  
  Best regards,

  Debt Consultant Group.

• Initial Complaint

  Date:04/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The following events started on April 4 2024.My company was approached via phone calls by DCG to provide debt relief with our creditors. While we were in no need for such services, their sales pitch to halve or highly reduce our payments was very tempting.As they explained their process and how it would not cost me anything, they would negotiate fees with the creditors, we began to talking and divulged some of the financial information they required. The case was then passed on from a call representative, forget his name to **** who handles setting up the "account" and then passes you to a case manager by name of *******. During the account setup process, DCG will send over a debt settlement agreement that states what they do. I assume most people do not read this agreement in its entirety as I did not at first since they caught me during a busy time. Once the agreement is done, they immediately draft any agreed funds form your bank account via *** and to them the agreement is pretty much set. They then will tell you to call your banks and put a stop on the *** payments to your creditors since they will, in their words, negotiate and make payments on your behalf. They want you to do this because in order for them to be able to negotiate lower payments they need you to be in a state of financial grievance. Therefore the further you default on your payments, the likelier that your creditors will negotiate. This is a terrible tactic since it will destroy your business credit and financially ruin your business. Not to mention if you read the settlement agreement, DCG states that is what may/will happen and by then they will not help you.Therefore, after reading the agreement, I saw that there was a cancellation period which was 3 calendar days. I called and cancelled on April 5th 2024 and put a stop to their *** withdrawals from my bank.I then contacted ******* via phone and email requesting a refund for the original *** payment and DCG has refused.

  Business Response

  Date: 03/20/2025

  Dear BBB,

  
  Thank you for bringing this matter to our attention. We greatly appreciate the opportunity to address the concerns raised and to provide clarity on the situation.
  
  The customer has stated that he signed an agreement without reading it and has alleged that we instructed him to default on his obligations.
  
  We would like to emphasize that this claim is entirely false. As a hardship assistance program, our services are specifically designed to support individuals facing genuine financial difficulties.
  
  If the customer was not experiencing a hardship, it would not have been appropriate for him to enroll in our program.
  
  We would also like to clarify that we do not, under any circumstances, advise clients to default on their obligations when no hardship exists.
  
  It is important to note that lenders typically do not negotiate on current accounts, and it is the responsibility of the customer to thoroughly review and understand any agreement before signing.
  
  Regarding the request for a refund, we regret to inform you that we are unable to accommodate this. We have acted in good faith and fulfilled our contractual obligations by providing the services outlined in the agreement, which the customer chose to sign.
  
  We remain committed to maintaining the highest standards of integrity and transparency in all our interactions. Should you require any further information or documentation, please do not hesitate to reach out.
  
  Thank you for your understanding and for allowing us the opportunity to address this matter.

  Customer Answer

  Date: 03/20/2025

   
  Complaint: 21629935
  
  I am rejecting this response because:

  I am not satisfied with their response. 

  The original complaint was submitted almost one year ago and it took them this long to give an answer. Their response is very short and is still false.

  When I spoke with a phone representative from ***, I informed them that I nor my company was in financial distress, I was just looking at options to reduce my weekly payments. I was not looking of setting up my company for any financial hardships and will be able to make the weekly payments that I agreed upon with the lenders. The phone representative understood but still proceeded to sell their services.  So according to their response, " If the customer was not experiencing a hardship, it would not have been appropriate for him to enroll in our program," that is correct, I was not experiencing a hardship yet your *** representatives continued to enroll me. No one can enroll in your program on their own, someone has to do it for them so this statement is plainly false. The proof is in the screen shot images I provided since it specifically shows a name and number which by the way has been conveniently out of service. 

  Also, as I stated before, I was wise enough to cancel the agreement within the contractural terms. Which according to the contract would absolve me from any further commitments and obligations with ***. *** did not have a problem with this, their problem was keeping the money that they took directly from the ************* account without doing any work for it. This was what I wanted refunded. Instead they sent over a docu sign document outlining the terms for a reduced refund. I refused to sign this document because it was not the full amount that they took and also because it absolves them of any future litigation. They just want to settle at every chance that they can get, making sure that any legal matter takes place within their preferred courts regions and to limit any negative publicity. Well that was not going to happen so here we are now. I attempted to contact them numerous times but their phone services was out of service. They just wanted me to sign their refund agreement contract which I was not going to. I have attached the document as proof of their tactics. 

  If they want to properly settle this matter then they can issue me a refund for the total amount taken from my bank which was $ 1652.66.

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

• Initial Complaint

  Date:03/11/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been HARASSED relentlessly by this company numerous times daily by SPAM TEXT and PHONE CALLS offering me a loan that I have been declining! I block every number they use, but it seems like they are using an entire content of a phone book in calling!enclosed please find some, but not all of the numbers they have used ,279 213-9620 423 225-1882 513 949-0579 651 215-2171 681 239-8284 712 227-9797 ************ *********** .....and the list goes on

  Business Response

  Date: 12/11/2024

  Dear *****,
  
  Thank you for bringing this matter to our attention. Please rest assured that we take your concerns seriously and are committed to thoroughly investigating this issue.
  
  As part of our investigation, we will review the numbers you have provided and take appropriate action to prevent any further contact.

  However, as our records show that you are not currently listed as a client, we are unable to locate any specific details related to your contact with us. 
  

  To assist us in investigating this matter further, we kindly request the following information:
  Full name and contact details (This will help us verify if there is any connection to our records)
  Details of any prior communications: (any prior interactions with us or provided your contact information for marketing purposes)
  Specifics of the unsolicited communications: (Any additional phone numbers, dates, or times of the communications you have received)
  
  Our company is fully committed to adhering to privacy regulations and ensuring that all communication practices meet the highest standards of data protection.

  Thank you for your understanding and cooperation. We are dedicated to resolving this matter swiftly upon receipt of the requested information.

  Sincerely,
  

  Debt Consultants Group

• Initial Complaint

  Date:02/07/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is *********************, former CEO of ************************* LLC. My son and I are in partnership and we obtain a five year contract with American Tire Distributors, ATD and provided services in *********, **, ******, ********, and ******* *****. The spring of 2022 we did a required bid for ATD and are was bis was for 10 more cities. We received an award of six cities in January of 2024. The bid was a substantial size requiring operational capital. We applied for a business capital loan from PayPal for $93,000.00 dollars to cover the expansion operational costs. Thirty days later our bid award was put on hold, but were told it would reopen soon. After a few months of being on hold, I decided to refinance the PayPal loan which was $1982.00 every seven days. This was not going to be a problem as our revenue was projected to around $150,000.00 per month. ATD kept delaying the bid **** so I contacted a Company called Debt Consultants Group. They reduced my payment to ****** every seven days. This transition took place over February-March 2024 time frame. ***** was when I began to receive emails from law firm saying I was way behind my PayPal payments. I called DCG and informed them of these emails and they told me to forward them to them and their legal department would take care of it. The law firm began sending me packages about my PayPal loan and that they were going to arbitration. I forward this paper again to DCG, and they had me sign paperwork to allow a law firm to represent our company ,CMC LLC. I called DCG again and asked, "Have paid anything to PayPal and they said no". They have no money but their attorneys are working on it. I have not been able to contact them and they do not answer emails. January 24, 2024 the ******************************** closed the case and award the monies to be paid. Unfortunately, no one was their to represent us even though they said they had a law frim to represent us. Having trouble finding someone who can help me.

  Business Response

  Date: 03/20/2025

  Dear BBB,

  Thank you for bringing this matter to our attention.
  
  We sincerely appreciate the opportunity to address the concerns raised and to provide clarity regarding the situation.
  
  The customer enrolled in a debt settlement program administered by Debt Consultants Group.
  
  As part of the program, legal counsel was engaged to negotiate a settlement on the customers behalf while funds were accrued in escrow. It is important to note that no payments were made to creditors during this period, as no settlement had yet been reached.
  
  At the time of cancellation, the customer was in week 21 of a ******* program. Counsel was actively engaged in negotiations when the customer began experiencing Non-Sufficient Funds (NSF) issues.
  
  The customer subsequently requested to skip two payments and ultimately **** on the final payment before canceling the program.
  
  We remain committed to supporting our clients through transparent and professional services.
  
  Should you require any further details or documentation,please do not hesitate to contact us.
  
  Thank you for allowing us the opportunity to address this matter.

  
  

• Initial Complaint

  Date:08/23/2023

  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.

  Hello,I have made several payments to have my debits paid and I have found out that payments were not being paid. I asked for an accounting report and I was told I would get one. I wanted to see where 23k went within a month. No one has told me or sent the documents. They stole from me and just say we cant give money back .

  Business Response

  Date: 03/20/2025

  Dear BBB,
  
  Thank you for bringing this matter to our attention. We appreciate the opportunity to address your concerns and provide clarity on the situation.
  
  We would like to inform you that we have successfully settled with both lenders on behalf of the individual in question.
  
  Settlement agreements were executed, and all necessary documentation is available to verify the payments made. Additionally, payment confirmations were sent via email as part of our standard process.
  
  To date, we have facilitated approximately $10,000 in payments to her lenders. However, we encountered challenges due to Non-Sufficient Funds (NSF) issues in her account, which occurred in 6 out of the last 7 weeks. This has impacted the continuity of payments during this period.
  
  We remain committed to resolving any outstanding matters and ensuring transparency throughout the process. Should you require further details or documentation, please do not hesitate to reach out.
  
  Thank you for your understanding and cooperation.

  Customer Answer

  Date: 03/20/2025

   
  Complaint: 20512745
  
  I am rejecting this response because: they are lying. They didnt settle anything I had to go back and pay on my own. 
  
  Sincerely,
  
  ******** ****

• Initial Complaint

  Date:08/01/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ********************* ***************************************************************************************** Phone: ************** Email: ************************* RE: Debt Consultant Group *********************************************** Phone: (844) 611-DEBT Website: ********************************************** Date: 8/22/2022 Amount Paid: ***** Payment Method: Wire Transfer (such as ************** Money ***** ******************************* breach the contract for taken care of our mca debt LFC ************ was surpose to get rid of our *** debits. They did not add one of them on the agreement. Any way the rapid one was paid off. **************** payment is being paid, Look like over ******* was paid of ******** was owed.Now LCF they did nothing with. That is ******** They lie to us about taken care of them. Now the lawsuite is back in place. They have sent out letter to our vendors who we do work for. Trying to force them to pay them our money rather then us getting paid this company is full of lies. They try to get more money out of us.The ***** is what was debit so far. More were surpose to be paid until the lawsuite came back up. We want to *** them thur your office, The amount **********. ************ has bankurpt us. They were surpose to get us approve for bank loans for our business, Agin all lies. Trustploit has a preety good review until you read the bad one. Wht they did to them is work they did to us, BBB is a F rating. I willing to give anyone a chance to do right. This is wrong, I hope i am filing in the right place. No more money will they be debiting from our account. I told them we are cancelling with them. That we want the remeining balance minus what they paid to the *** companies plus their little fees for service. We have not heard anything from them yet.

  Business Response

  Date: 12/11/2024

  Dear *****,
  
  Thank you for bringing your concerns to our attention. We take customer feedback seriously and strive to address all matters with transparency and fairness.
  
  After a detailed review of your account, wed like to share the following findings:
  Progress on Settlements: Payments were successfully made on time during the initial weeks of the program. A favorable settlement was reached with The Smarter Merchant, and a substantial lump sum payment was made to Rapid.
  
  Outstanding Issue with LCF: Unfortunately, due to a lack of continued payments and insufficient funds in the program, we were unable to proceed with the settlement for LCF. We understand your frustration and regret that the program did not meet all your expectations. We are reviewing your case to determine if further resolutions are possible.
  
  We encourage clients to follow the agreed-upon program structure to ensure successful resolution. 
  Should you have additional questions or wish to discuss this further, please feel free to reach out to us directly.
  
  Thank you for bringing your concerns to our attention.  
  
  Sincerely,

  Debt Consultants Group

  
  

  Customer Answer

  Date: 12/12/2024

   
  Complaint: 20409630
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** ***** smarter was not resolved. They said you did not pay a settlement. They are still coming after me this is a lie.***** is still money you owe me back

  Business Response

  Date: 12/23/2024

  Hi *****,
  
  Thank you for sharing your concerns with us. We value customer feedback and are committed to addressing all matters with transparency and fairness.
  
  Unfortunately, the lack of payments to the program led to the debt for LCF remaining unresolved. This, in turn, resulted in the cancellation of the program and constituted a breach of contract by the client.

  As a result, we are unable to issue any form of refund.
  
  We genuinely appreciate your feedback, as it helps us to improve and maintain open communication with our clients.
  
  Should you have any additional questions or require further details regarding this matter, please dont hesitate to reach out to our customer service team directly.

  Were here to assist you.

  Debt Consultant Group 

  Customer Answer

  Date: 12/23/2024

   
  Complaint: 20409630
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** *****

   

  This has to do with smarter merchant. I taking care of ***. ******* said you did not pay them in full you are lying. Stop wasting my time. You owe me money back which you will not do. You rating online is not good either. Other complaints about the same thing you did to me. Wish I read it first before dealing with you

  Customer Answer

  Date: 12/26/2024

  Last thing. *** is not what in question. I am taking care of that myself. Smarter merchant is. They said this company did not do any them off. They pocket the money. If they were paid off which they were not according to them then they can produce a zero balance letter that will proof if they are telling the truth or not. There is no zero balance letter for snarters

  Customer Answer

  Date: 12/27/2024

  This has to do with smarter merchant. I taking care of ***. ******* said you did not pay them in full you are lying. Stop wasting my time. You owe me money back which you will not do. You rating online is not good either. Other complaints about the same thing you did to me. Wish I read it first before dealing with you

  Business Response

  Date: 01/02/2025

  Hi *****,
  
  Thank you for reaching out again to share your concerns. We value all feedback and are committed to addressing your points with clarity and transparency.
  
  Attached, you will find the details of the payments made on your behalf to "The Smarted Merchant" (Gradian Recovery solution). These records confirm that *** acted in accordance with the signed contract.

  As previously mentioned, the success of the program relies on consistent payments from the customer.
  
  Unfortunately, due to missed payments, we were unable to fulfill the remaining settlement obligations.

  This is outlined in the terms of our agreement, which specify that missed payments can disrupt the program and may result in its cancellation.
  
  Regarding your refund request, as we have communicated earlier, the programs cancellation due to non-payment constitutes a breach of the agreement, which prevents us from issuing a refund.
  
  We regret that your experience has not met your expectations and fully understand your frustration.

  If you have any further questions or require additional clarification, please dont hesitate to reach out.

  Best regards,
  Debt Consultants Group

  Customer Answer

  Date: 01/02/2025

   
  Complaint: 20409630
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** ***** there was enough money to pay them off. What a bunch of crooks. 25 k sent most you spend on your self. ****** steal from customer then lie about thing

  Business Response

  Date: 01/03/2025

  Hi *****,
  

  Thank you for sharing your feedback. We really appreciate you taking the time to reach out.
  

  When you signed the contract, the terms and conditions were clearly outlined, including program fee and the importance of making consistent payments for the program to succeed.

  Unfortunately, the lack of payments made it impossible for us to settle all obligations, which ultimately led to the programs cancellation.
  

  However, the operational costs associated with running the program, combined with the breach of the agreement due to missed payments, make issuing a refund impossible in this case.
  

  Weve provided evidence of the payments made and settlements negotiated on your behalf, and weve done our best to explain the situation as transparently as possible.

  Our goal has always been to help our clients succeed, and its disappointing when circumstances prevent us from achieving that together.
  

  We encourage you to review the contract terms again and let us know if theres anything further youd like us to clarify.
  

  Thanks for your time,

  Happy New year,

  Debt Consultants Group

  Customer Answer

  Date: 01/03/2025

   
  Complaint: 20409630
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** *****

  I am done with this you did this to multiple other customers. You are a *****. Only way of resolving this is sending back 5000 or 6000 dollar back to me

  Customer Answer

  Date: 01/03/2025

  25k was paid. First mca was less then 800 then smarter 4500. None of this add up. Where this the rest of the money go in some one pocket this is a waste of time this will never be resolved with crooks like your company. Look online of how many people you did this to scam and a room. The only way this get resolved is ********* sent back to me. No more reply from me I done. Even the ************************ was a waste of time to this was reported to multiple entity. Never again 

• Initial Complaint

  Date:12/13/2022

  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.

  Debt settlement company has taken over ****** from my account for a settlement and now they won't give me proof where has my money been going

  Business Response

  Date: 03/20/2025

  Dear BBB,
  
  Thank you for bringing this matter to our attention. We value the opportunity to address your concerns and provide clarity regarding the situation.
  
  We would like to confirm that all payments were in fact made in compliance with the stipulation of settlement before the individual initiated a stop payment.
  
  While I do not have immediate access to records confirming that proof of payment was provided directly to him, I can assure you that wire confirmations were sent to him via email at the time of the transactions.
  
  Additionally, the court files, including the stipulation of settlement, are a matter of public record and contain all necessary contact information for him to independently verify the payments.
  
  We remain fully committed to resolving any outstanding issues and maintaining transparency throughout this process.
  
  Should you require further details or additional documentation, please do not hesitate to contact us.
  
  Thank you for your understanding and cooperation.

  Customer Answer

  Date: 03/20/2025

   
  Complaint: 18569393
  
  I am rejecting this response because:
  
  Sincerely, they took over $28k from me and never paid me back or my lenders 
  
  ***** *****

• Initial Complaint

  Date:09/19/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I would like to start with I was looking for financing for my business and was connected to a company called Diamond Debt Relief. **** who claimed that he was going to connect me with an amazing company to help me with my business debt, Debt Consultants Group. This has been nothing but NOT amazing. I hesitated at first and **** at DDR kept pressing and telling me how helpful they would be. They made me pay upfront first for start up fees which from what I have researched and by the *** is illegal. They told me they have been contacting the *** companies and now I have 2 liens placed on my business. I have paid DCG thus far 1 payment of $927.50 3 payments of $700 and 1 payment of $878.94. I have requested a refund because now I am seeing they have not resolved anything and they tell me that there are no refunds with their program and refuse to provide me with any proof of what they have resolved or paid the companies. This is completely inhumane and very discouraging. And to be completely honest illegal. Please help me get my money back so I can take care of my matters on my own so I can have these liens removed. I have tried to reach out to **** at Diamond debt relief and he now doesnt respond. H have reached out to **** and ****** at Debt consultants group and I get tossed back and forth between the 2 with responses of emails and texts telling me I am Im breach of their contract and that I will not get refunded. Its disheartening to know they have or are still doing this to other people and their businesses. Please help

  Business Response

  Date: 12/11/2024

  Dear ******** *****,
  
  Thank you for taking the time to share your experience with us. We sincerely regret that our services did not meet your expectations. Your feedback is important, and we want to address your concerns comprehensively to provide clarity and work toward a resolution.
  
  After a detailed review of your account, wed like to share the following findings:
  Regarding Settlement Progress, our team successfully negotiated a settlement with Expansion, reflecting our commitment to assisting with your business debt.
  Negotiations with CFG, however, proved more complex. Progress was hindered by insufficient funds in your escrow account and missing updated bank statements, both of which are critical for advancing settlement discussions.
  Payment History, Records indicate instances of non-sufficient funds (NSFs) during the program.These interruptions impacted our ability to secure settlements on your behalf and created further challenges in negotiations.

  We encourage clients to follow the agreed-upon program structure to ensure successful resolution. Should you have additional questions or wish to discuss this further, please feel free to reach out to us directly.
  
  Thank you for bringing your concerns to our attention.  
  
  ******************************** Group

  Customer Answer

  Date: 01/07/2025

  I did not want to proceed and want the money returned that I have invested in the company. It is completely against the law to with hold the money I have already paid. Nothing has been settled with any of the companies. 

  Business Response

  Date: 01/09/2025

  Hi ********,
  

  Thank you once again for sharing your comments about your experience with us. Your feedback is invaluable as we strive to improve.
  
  First, please know that we always act on your behalf and in your best interest. The contract you signed on July 18, 2022, clearly outlines the program fees under Clause 2 and your responsibilities under Clause 1.
  
  Were truly sorry that we couldnt meet your expectations. However, we provided you with detailed information regarding the payments made to ***************** Group on your behalf.
  
  Unfortunately, failure to make the agreed payments under the program resulted in a breach of the contract.
  
  We encourage you to review the clauses in your contract once more, and please let us know if theres any additional assistance we can provide.

  Thank you for your time,
  Debt Consultants Group

  Customer Answer

  Date: 01/09/2025

   
  Complaint: 18036810
  
  I am rejecting this response because: I would like to see proof of the payments sent to expansion capital group
  
  Sincerely,
  
  ******** *****

  Business Response

  Date: 01/13/2025

  Dear ********, 

  Thank you for reaching out. We appreciate the opportunity to address your concerns.
  

  We already shared the proof of payments made on your behalf, on our previous response, but you can find attached again on this.

  We value your trust and are committed to resolving this matter to your satisfaction.
  

  Thank you for bringing this to our attention, and we look forward to assisting you further.
  

  Sincerely,

  Debt Consultants Group