Customer ReviewsforAmerican Credit Card Solutions

Signed up with them early December 2023, they have only settled one of my accounts!!! I pay them $234.96 every month to only have one of my account’s taken care of!! Every time I try to log into my account I constantly get an error message. BBB should monitor this kind of company more. And this company should be held accountable for its actions and the way they are doing their clients. From ready the other comments they are treating all their customers the same way!!!!

"We are sorry to hear about your dissatisfaction with our services. We aim for 100% client satisfaction, and we regret that your experience hasn't met your expectations. Since your enrollment in December 2023, we have successfully settled two of your accounts. One of these is fully paid, and the other has only one payment remaining. These settlements were achieved at just 50% of the original debt, which is a significant reduction. Additionally, we are close to finalizing another settlement. Your program is designed to span 36 months, and you have been with us for 9 months. Settling all enrolled debts with your monthly payment of $234.96 takes time, and we believe we are making good progress. We apologize for the issues you've experienced with the Client Portal. Typically, problems arise when clients attempt to log in with an expired temporary password. Temporary passwords expire after 24 hours, so we recommend changing your password immediately upon receipt. Our team is ready to assist you with any login difficulties. Our Customer Service Manager has reached out to discuss your program in detail and help resolve any issues with the Client Portal. Please contact us at 877-820-2957 at your earliest convenience. We look forward to assisting you further. Thank you for your patience and understanding."

Do yourself a favor, find another way to manage your debt and consolidate your credit cards rather than ACCS. I have been dealing with this company since December 2021 and while they have settled SOME of my debts, there are STILL 6 companies left there has been no movement with. Most recently, there was a larger issue of ACCS not paying particular companies and paying other ones. One of those debts turned into a legal matter and ACCS paid the law firm ONE time in a matter of months and said it was because they rely on on-time payments etc (I was making payments for the month and OK so maybe the payment wasn't on my due date but the payment was made for the month and looking at my payment history they would send payments around the 25th of the month. to the creditors, so where was my money going? NOW this is a much bigger issue I am dealing with myself honestly because having them help was NOT helpful, clearly! Everytime you call you speak to someone it seems in another country (which was never the case in the beginning), and it's never the same answer you get from someone. I don't need another court summons and sheriff showing up at my house because of the 6 open accounts I have that they have yet to do anything with! Unfortunately, I am in far too deep now and just want the other 6 accounts somewhat settled so I can move on from this nightmarish company!

Thank you for bringing your concerns to our attention. We understand that managing debt can be stressful, and we sincerely sympathize with any distress you've experienced. We have reviewed your account thoroughly and would like to address the issues you've mentioned: Inconsistent Payment History: Your successful progress in our program relies heavily on timely and consistent payments. Over the past 28 months, you have made approximately only 60% of the required payments. Unfortunately, this inconsistency has impacted our ability to settle all of your debts as initially planned. In essence, due to the missed or late payments, your progress equates to being around month 17 of the 36-month program. Settlements and Payments: We have successfully reached settlements on a majority of your accounts. However, some of these settlements were voided because of missed or late program payments. We understand how critical it is to avoid legal issues, and we have always strived to allocate your funds as effectively as possible based on the payments received. Communication: We acknowledge that speaking with different representatives can be frustrating, and we apologize if you have received inconsistent information. We are committed to improving our customer service to ensure you receive clear and consistent guidance. We firmly believe that a more consistent payment history would have made you more satisfied with the progress. Despite the hurdles, we are unwavering in our commitment to helping you resolve your remaining debts. Our goal is to help you achieve financial freedom as seamlessly as possible. We are here to support you and encourage you to reach out to our customer service team for any further assistance.

Very friendly, helpful, and knowledgeable. Peter answered every question I answered. I have used ACCS previously, and I was very pleased with the service they provide and I expect that I will be just as satisfied with them again.

We appreciate your positive feedback! 

Call the creditors yourself and they can change terms of loans or for credit cards. I got into this program and stayed in for 4 months and they did absolutely nothing beside getting me sued and telling me there is nothing they can do but pay loan in full at $2000. I called company suing me and they said accs had not contacted them even though I told accs 4 times about the problem. The company ended up working payment with me and I fired accs same day. I was paying $157 twice a month and Accs was keeping $157 a month and only using $87 towards paying 1 creditor and never contacted any of the other 10 creditors in 4 months. My credit is shot now. Wish I never started program and just called my creditors and negotiated myself so far they have all been sympathetic to my situation and all have worked with me. If there is a creditor that won't settle your debt you will be responsible for it yourself and by time you find out you will be 4 months behind already. I found out by a sheriff showing up at my house with a summons for court. Please try calling creditors yourself before doing these kind of programs. Thanks and hope you get your situation solved.

We appreciate your feedback regarding our services. We go to great lengths to ensure that our clients understand our program clearly, and that reasonable expectations are set from the start. Respectfully, your claim that we did not do anything is not true. Within just one month of your enrollment we were able to negotiate a 50% settlement for your largest account, representing significant savings for you. Unfortunately one of your creditors was very aggressive in their collection efforts and attempted to pursue legal action. We spoke to the lender and we were able to arrange a payment plan to avoid this. We are confident that if given the opportunity, we would have settled your remaining debt over the contractual term of the 36-month plan we agreed upon. We have been in contact with you and are canceling your program as requested. If you reconsider your cancellation, we would be happy to help you reach your goal of resolving your debt.

Maria was very helpful and patient when answering my questions.

Thank you so much!

Susan was understanding of my situation and easy to work with. So far so good.

Thank you so much!

I signed up today with ACCS. Dan R******** was my agent. He was great in getting me signed up and explaining everything and calming my nerves. I will see how this goes, but so far I have great hope for a light at the end of the tunnel.

Thank you so much! We are happy Dan was able to assist you!

My Name is Eunice T*****. I believe that in 2018 maybe Al little before I made an agreement with them to settle all my accounts. I made payments over two years and then I found out I had Cancer and had two heart attacks could not keep paying $200 a month . I infirm them that I was sick and could not pay . One off the accounts that was in the settlement was ****** bank / surge in which I owed maybe $700 now I’m being taken to court to pay $1937 fees and other cost they said they never got a payment . I need for them to be responsible for some of these fees being I was told out of my payments some of it would go towards all my accounts . Please help me with this matter . Eunice T***** no

We are sorry to hear about your health issues and hope you are improving. For one year, you made your monthly program payments continuously, and we were able to settle five of the fourteen accounts you enrolled. However, you lowered your monthly payment amount and eventually stopped paying altogether. It's understandable given your circumstances, but consistent payments are necessary to complete the program and settle your debts in their entirety. Your monthly payments are used to fund your settlements, so we cannot fully resolve your debts without them. We would be glad to assist you in achieving debt freedom if you can resume making your monthly program payments.

Maria S******** did a great job of guiding me through the process of reorganizing my debt!! Thank you Maria!!

Thank you for letting us assist you!