Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/22/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Mca debt advisors had me sign a contract and guaranteed me something that did have established and or couldn't fulfill in a timely manner. They took over 1k dollars before they started to try to work with my case. And by the time they started the lien and lawsuit and had been placed against me. They told me not to talk to the lender nor give them money but to give it to them. A ************************ 33k. All because of mca debt advisors. They are not respected and have no right telling people what they could do before talking to them. And I don't expect them to last this long. They are still trying to take money out my account. They stopped answering the phone after I signed with them. Bad business

  Business Response

  Date: 04/23/2025

  Thank you for the opportunity to respond to this complaint.
  Mr. ****** enrolled with MCA Debt Advisors on February 24, 2025, including his creditor, Lendbug, in our program. It is important to note that MCA Debt Advisors has successfully negotiated settlements with Lendbug in the past, and we remain confident in our ability to provide value to clients through structured debt relief services.
  Upon enrollment, we attempted a welcome call with Mr. ****** on February 25 to go over the program in detail. Unfortunately, the client did not answer or return the call. Our records show that Mr. ****** did not reach out to us until March 17, nearly three weeks later, at which point we informed him that his first payment had been returned by his bank, and his account had therefore been paused pending a successful payment.
  It is standard practice at MCA Debt Advisors not to actively engage with a creditor until we receive a cleared initial payment from the client. This ensures the client is committed to the program, which is vital when we begin negotiations with creditors. Once Mr. ****** cleared a payment, we initiated outreach to his creditor. However, our efforts were again interrupted by a subsequent returned payment on his fourth attempted transaction. His final attempted payment was on April 9, which was also returned by the bank.
  Due to these repeated failed payments and lack of sustained engagement from the client, our ability to negotiate on his behalf was significantly hindered. In total, Mr. ****** successfully cleared two payments and one NSF (non-sufficient funds) fee, totaling $956.08not over $1,000 as mentioned in the complaint.
  While Mr. ****** has alleged that we caused him financial harm or legal consequences, we respectfully disagree. Our program is designed to assist clients in difficult financial situations by providing negotiation support and options. However, this process requires consistent participation and communication from the client, both of which were lacking in this case.
  We also categorically deny the allegation that we misled the client or failed to disclose program details. Our contract outlines expectations clearly, and multiple attempts were made to educate the client about the program structure and requirements. At no point was Mr. ****** forced to stop speaking to his creditor; instead, he was advised (as part of the standard negotiation strategy) to allow us to handle creditor communications in order to best advocate on his behalf.
  Lastly, MCA Debt Advisors has been proudly operating since 2019 and has helped thousands of clients find relief from burdensome business debt. We are not a fly-by-night operation, and we take client concerns seriously. If Mr. ****** has additional documentation or would like to reopen communication with our team, we would be happy to review his file and see if there is a way forward.
  Sincerely,

  **** ******

  Director of Operations

  Customer Answer

  Date: 04/23/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
   
  Regards,
  
  ********** ******

• Initial Complaint

  Date:04/14/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  MCA Debt Advisors are the most crooked company that I have ever dealt with. They made all of these promises and made only (3) small payments to the company even though I paid them IN FULL for the agreement. They continued to just withdrawal from my bank account and literally put me in a worse spot than I started with. ******* (their attorney) is NEVER available and will lie after lie after lie. I was sued by 2 companies after MCA Debt Advisors told me to stop paying the companies and said DO NOT talk to them, they will try tactics to scare me. Well they sued me and WON in court. They are NOT honest about anything except that they take your money every week/month and absolutely do nothing but make your situation worse than when they continued to call me to go with their company. I have had to pay double on the accounts. They have people you talk to (so called customer ***** that don't know absolutely nothing and will say someone will call you back but you never hear from anyone. Do not let them entice you or listen to them promise the world. Remember if it sounds too good to be true then it is. That is this company.

  Business Response

  Date: 04/15/2025

  We are sorry to hear that Mrs. ***** is dissatisfied with her experience, but her complaint misrepresents key facts regarding her participation in the program and the services rendered.
  Mrs. ***** enrolled in the MCA Debt Advisors program on September 28, committing three (3) creditors to the program. As outlined at enrollment, our role was to negotiate reduced repayment terms on her behalf. Terms were successfully negotiated and finalized with one of the three creditors, and three (3) settlement payments of $800 each totaling $2,400 were sent to the creditor before Mrs. ***** voluntarily elected to cancel from the program midway through.
  While Mrs. ***** claims she paid $22,000, our records clearly show that she paid a total of $9,910.38 into her dedicated program escrow account. Of this, $2,400 went directly to her enrolled creditor as part of the negotiated settlement. The remaining funds were applied to servicing and legal costs, in accordance with the signed agreement.
  The total cost of her program was $6,265.56, which was broken down as follows:
  Cancelation Fee (5%) $1,125.80
  Attorney Invoice Fee $300.00
  Escrow Set-Up Fee $99.00
  Monthly Escrow Maintenance ($99/mo) $396.00
  Success Fee (based on savings negotiated) $4,344.76
  Of these fees, we only collected $5,298.40 from Mrs. ***** and, as a courtesy and in light of her concerns, refunded her $1,966.28, waiving a substantial portion of the remaining owed fees.
  Finally, while she mentions issues with communication, our internal records show numerous interactions with our client services and legal teams. We remain committed to transparency and are always available to clarify any confusion about services rendered or program expectations.
  We respectfully disagree with Mrs. ****** characterization of our services. We fulfilled our contractual obligations, negotiated meaningful savings, refunded part of her fees, and attempted to support her through a complex financial situation.

• Initial Complaint

  Date:03/24/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In 2023, I was aggressively solicited by MCA Debt Advisors, who promised to negotiate settlements directly with my lenders, stop aggressive collections, and help free up cash flow. They claimed to work with lenders and instructed me to stop all payments and communication with themeven though I had never missed a payment and was in good standing.Following their advice caused me to default, leading to serious legal threats and frozen funds. MCA Debt Advisors continued to debit thousands from my account, stating it was for escrow and future settlements. However, they never made a single payment to any lender on my behalf. I eventually had to negotiate with my lenders on my own.When I moved to cancel the program, they suddenly presented backdated settlement documents that were never shown or approved previously. They are now trying to charge me over $38,000, including a $30,000 success fee for work they didnt do, a 5% cancellation fee, and vague charges for escrow and legal services with no proof of performance.This company took my money, worsened my financial standing, and failed to provide any of the services they promised. I have call logs, emails, and financial records showing their deceptive tactics. They instructed me to ignore my lenders and misled me into believing they were negotiating on my behalf.Since this experience, Ive connected with 25+ other business owners with similar stories. There are also reports of this company being sued, closing, and reopening under new names to avoid accountability.I am requesting a full refund, removal of all fabricated fees, and a formal investigation by the BBB into this companys practices.

  Business Response

  Date: 03/27/2025

  We appreciate the opportunity to address this complaint. The client, Franquie, enrolled in our program at the end of October 2024, bringing in two creditorsMerk and Forward Financing. As part of our service, we engaged in negotiations on his behalf and successfully reached settlement terms with both creditors.
  Shortly after these settlements were reached, Franquie elected to cancel his enrollment. Despite our work in securing settlements, he has refused to pay for the services rendered. He claims that there is no proof of negotiations with his creditors, yet we have provided him with official settlement letters confirming the agreed-upon terms. Furthermore, communications between our team and his creditorsscreenshots of which have been providedclearly demonstrate our efforts on his behalf.
  In a recent email, Franquie claimed he never agreed to the settlement terms. However, per the limited Power of Attorney he granted us upon enrollment, we were authorized to negotiate and accept settlement terms that were in his best interest. This was clearly outlined in the agreement he signed upon joining the program.
  Regarding his financial obligations, Franquie paid a total of $10,786.47 into the program. When he requested cancellation, our team evaluated his account and provided him with a full itemization of how his payments were applied, including the balance owed for services rendered. His claims of fabricated fees are unfounded, as all charges align with the terms outlined in his agreement.
  The assertion that he has spoken to "25+ business owners with the same experience" is questionable. If this were the case, we would be addressing complaints of this nature constantly, which is not the reality. Every BBB complaint we have received has been responded to with supporting documentation, and we are transparent in addressing concerns when they arise.
  It is clear that this complaint is an attempt to evade financial responsibility for services that were successfully performed. We stand by our work, and we have provided ample documentation to support our position.
  Resolution:
  We are open to further discussion but maintain that Franquie is responsible for the fees associated with the work completed on his file. We respectfully decline his demand for a refund, as services were provided in accordance with the agreement he signed.

• Initial Complaint

  Date:03/03/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I engaged MCA Debt Advisors after they assured me they could successfully negotiate and resolve my outstanding payments with my creditor. During my initial phone call, I specifically inquired about whether my account was eligible due to a *** Lien placed on my payment gateways. I was assured that this would not be an issue. Based on this information, I proceeded with their services and paid $7,161.97. However, their negotiations were completely ineffective. Instead of resolving my situation, their actions resulted in my payment gateways being frozen and my funds being sent to collections. As a direct consequence, I am now responsible for an additional 15% collections fee on top of my original $8,300 debt. Furthermore, I was told by ****** ****, a representative of MCA Debt Advisors, that I could cancel their program without any fees and receive a full refund due to my creditors placing a lien on my payment gateways. Relying on this promise, I canceled their services, expecting a full refund. Instead, I was refunded only $2,800meaning I paid MCA Debt Advisors $4,300 for absolutely no resolution. It has now been over a month, and my refund remains unresolved. My accounts are still frozen, I am facing additional collections fees, and MCA Debt Advisors has provided no support to fix the damage they caused. Their misrepresentations, poor negotiations, and failure to deliver on their promises have resulted in severe financial harm to my business. I request a full refund of the $7,161.97 I paid to MCA Debt Advisors, as they failed to provide the services promised and misrepresented their ability to assist me. I strongly urge the BBB to investigate this companys business practices. This experience has been frustrating, unprofessional, and financially damaging. I believe MCA Debt Advisors is engaging in deceptive business practices, and I strongly advise others to avoid working with them.

  Business Response

  Date: 03/04/2025

  We appreciate the opportunity to respond to the complaint submitted by **** *******. We would like to provide clarification regarding the services rendered, the clients contractual obligations, and the circumstances surrounding their premature cancellation from our program.
  Background & Enrollment Process
  **** ******* enrolled two accounts with ********************:
  *****-1015502266
  *****-1015661707
  At the time of enrollment, [Client Name] was provided with a clear and thorough explanation of the program structure, including the role of our negotiators, the importance of following our recommendations, and the potential outcomes when creditors take aggressive collection actions, including liens and gateway freezes. It is important to note that our program is not a guaranteed outcome service, but rather a negotiation service where outcomes depend heavily on the client's participation and creditor cooperation.
  UC1 Lien Disclosure
  Regarding the UC1 lien on payment gateways, our team did discuss this during the initial consultation. The client was advised that a *** lien does not automatically prevent negotiations or enrollment in our program. However, we were also clear that such liens are an indication that the creditor may escalate collection efforts, including freezing accounts or sending balances to collections. These risks were disclosed to the client, and the client elected to proceed with our services despite this known exposure.
  Service Delivery and Cancellation
  During the period the client was enrolled, MCA Debt Advisors performed the following services, all of which were disclosed in the service agreement and the itemized fee breakdown provided to the client:
  Set up and administration of two escrow accounts.
  Engagement of a credit counselor for initial financial review and planning.
  Issuance of representation documentation to the clients creditors, informing them that MCA Debt Advisors was representing the client in negotiations.
  Initial outreach to both creditors to open negotiation channels.
  Drafting and issuance of retraction notices upon the clients cancellation request.
  These services were delivered as outlined in the clients contracts. Our service fees are clearly detailed in the agreements, including cancellation fees, attorney invoice fees, and escrow account maintenance fees.
  Fee Breakdown
  Upon the clients request to cancel, the following contractual fees were assessed:
  *****-1015502266
  Cancellation Fee (5%): $850.00
  Attorney Invoice Fee: $300.00
  *****-1015661707
  Cancellation Fee (5%): $418.11
  Attorney Invoice Fee: $300.00
  Escrow Account Setup Fee: $99.00
  Escrow Monthly Maintenance Fees (3 months): $297.00
  Servicing Fees for Negotiation Efforts Rendered: $934.95
  Refund Provided
  The client was refunded $2,875.46 The remaining funds were retained to cover the above services and fees, all of which were disclosed in the clients agreements and were necessary to support the initial engagement efforts and account management.
  Clarification Regarding ****** Wards Alleged Promise
  We would like to clarify that at no point are our representatives authorized to promise a full refund if a lien exists or if a client decides to cancel prematurely. Our service agreements explicitly state that cancellation fees, legal documentation fees, and services rendered are non-refundable. Any suggestion to the contrary was either misunderstood or inaccurately stated, and we regret any confusion this may have caused. Their is a 5 day cancelation window at time of enrollment that ****** **** goes over with each client if they have buyers remorse. **** was well outside the 5 business day cancelation window at the time he elected to cancel. 
  Additional Notes on Client Conduct and Exposure
  It is also important to highlight that the client chose not to implement the recommended changes to his payment processing practicesrecommendations that were provided to mitigate exposure and improve negotiation positioning. By failing to follow these risk-mitigation strategies, the client increased the likelihood of creditor escalation, including the gateway freezes and collection actions they are now experiencing.
  Final Position
  MCA Debt Advisors fulfilled its contractual obligations, provided services as agreed, and refunded the client a fair and appropriate amount based on the services rendered and the terms the client agreed to upon enrollment. We strongly dispute the allegation that our company engaged in deceptive practices.
  We remain open to discussing a reasonable resolution directly with the client; however, we cannot waive legitimate contractual fees for services already provided.
  We respectfully request that this complaint be closed as resolved, and we welcome any further questions from the BBB to clarify our position.
  Sincerely,
  **** ******

  Director of Operations

  Customer Answer

  Date: 03/04/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  

  I am submitting this complaint to formally dispute the false claims made by *** regarding the services they provided. The statements in their response are inaccurate, and a thorough review of their phone records will confirm this.  
  
  First, MCAs assertion is incorrect:  
  
  *"However, we were also clear that such liens are an indication that the creditor may escalate collection efforts, including freezing accounts or sending balances to collections. These risks were disclosed to the client, and the client elected to proceed with our services despite this known exposure."*  
  
  This is simply untrue. At no point during my initial call with their salesperson were these risks disclosed. Instead, I was assured that *** had experience dealing with ******* and had a strong track record. Their representative was adamant that they could help lower my payments, yet no mention was made of potential risks such as frozen accounts or collections.  
  
  Furthermore, *** claims they set up two escrow accounts, yet not a single dollar of the money I paid was deposited into them. Over a period of 52 days, I was charged $600 in escrow account fees and an additional $600 in attorney invoice feesneither of which were services I used or benefited from. Additionally, *** asserts that they sent retraction notices to OnRamp and *******, but neither company received such a notice.  
  
  MCA also states:  
  
  *"We would like to clarify that at no point are our representatives authorized to promise a full refund if a lien exists or if a client decides to cancel prematurely."*  
  
  This statement is directly contradicted by a recorded phone conversation between me and ****** ****, during which he explicitly assured me that I could cancel my account without incurring fees due to the unique situation of my payment gateways being frozen. This phone call can be requested and reviewed in the discovery phase of a lawsuit.  
  
  Additionally, my attached screenshots provide clear evidence that *** did minimal work on my behalf. Over a span of 52 days, they sent only 12 emails to OnRamp. Furthermore, ******* was ready to settle my debt, yet *** refused their offer simply because it did not fit **** preferred payment structure. *** deliberately withheld this settlement opportunity from me, demonstrating that they prioritize their own interests over those of their clients.  
  
  Next, MCA asserts:  
  
  *"It is also important to highlight that the client chose not to implement the recommended changes to his payment processing practicesrecommendations that were provided to mitigate exposure and improve negotiation positioning."*  
  
  This is yet another falsehood. I followed MCAs instructions precisely, including blocking my creditors from debiting my bank account. Most importantly, *** failed to fulfill their primary promise: they did not reduce any of my payments with my creditors. Despite paying *** a total of $7,100, none of that money went to my creditors. Instead, I was left in a worse financial position than before I engaged their services.  
  
  I worked with MCA Debt Advisors for 52 days. Their so-called "services" cost me $7100, while their failure to act in my best interest resulted in:  
  
  - A 15% collections fee ($1000) from OnRamp.  
  - My Shopify, ******, and Stripe payments being frozen for two weeks, forcing me to rely on credit cards to survive.  
  - The necessity of securing a loan from ******************** at a staggering 28% interest rate to pay off *******, as they demanded a lump-sum payment due to **** poor negotiation tactics.  
  - No reduction in payments with my creditors.  
  - None of the $7,100 I paid *** was applied toward my debts.  
  
  MCAs track record speaks for itself. Their extensive history of negative reviews aligns with my experiencethis company operates as a scam, intentionally dragging out negotiations to accumulate excessive fees while providing little to no actual assistance.  
  
  I urge the Better Business Bureau to take action against *** to prevent others from falling victim to their deceptive business practices. Their fraudulent operations must be addressed to protect consumers from further financial harm.  
  
  Regards,
  
  **** *******

  Customer Answer

  Date: 03/20/2025

  There was a resolution for this complaint.

• Initial Complaint

  Date:12/10/2024

  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.

  I obtained a loan with Elevate Funding. I signed up to use MCA Debt Advisors to help refinance the loan, but then decided to work directly with Elevate Funding who offered a more manageable payment option. I have an email that confirms my cancellation with ***. I had only paid a partial amount to expedite the service with ***, but Elevate Funding told me that they did not work with debt companies and that they would only work with me. I did not want to get caught up with legal matters and frozen accounts so I decided to work with the initial company. Now, *** is still trying to charge me not only the amount that I paid, but also for other services that were not rendered. I want a refund of what I paid, no derogatory remarks or collections on my credit report, and for them to stop contacting me.

  Business Response

  Date: 12/27/2024

  Dear BBB,
  We appreciate the opportunity to address the concerns raised by Ms. ******* ******* owner of *********************** regarding her experience with MCA Debt Advisors. Below is our response, which includes clarifications about our policies, the nature of our services, and the events leading to the complaint:
  1. Nature of Services
  MCA Debt Advisors does not provide refinancing services. Instead, we specialize in the renegotiation and restructuring of Merchant Cash Advance (MCA) debt contracts. Our service aims to secure more manageable terms for clients, such as reducing the overall balance or restructuring payments, as clearly outlined in the agreement signed by Ms. ************* Cancellation Policy
  The agreement signed by Ms. ****** explicitly states that any cancellation request must follow a specified protocol. This process ensures that our **************** team can oversee and verify all necessary steps for proper cancellation. Unfortunately, Ms. ****** did not follow this protocol, which led to delays and incomplete cancellation of services.
  3. Payment Processing and Returned Funds
  The cancellation request was submitted after a payment had already been processed. This payment was later returned due to insufficient funds, constituting a breach of the contractual terms.
  4. Services ******************************* decision to cancel, our team had already rendered significant services on her behalf. This included engaging with her creditor, Elevate Funding, to renegotiate the terms of her debt. While Ms. ****** ultimately chose to work directly with Elevate Funding, it is important to note that the deal she secured would not have been possible without our teams efforts.
  5. Fees and Itemization
  Per the agreement signed by Ms. ******* she is responsible for covering fees associated with services rendered. An itemized breakdown of these fees was provided to her and includes:
  Cancellation Fee (5%): $858.15
  Attorney Invoice Fee: $300.00
  Escrow Setup Fee: $99.00
  Monthly Escrow Maintenance Fee: $99.00
  These fees reflect the work completed by MCA Debt Advisors prior to Ms. ******* cancellation request and are consistent with the terms of our agreement.
  6. Resolution
  While we understand Ms. ******* concerns, we respectfully decline her request for a refund, as the services provided were rendered in good faith and as agreed upon in the signed contract. However, we are open to discussing a payment arrangement to resolve the outstanding balance.
  Our mission is to provide effective and professional debt restructuring services to our clients. We remain committed to resolving this matter respectfully and professionally.
  Thank you for your attention to this matter. Please do not hesitate to contact us with any additional questions or concerns.
  
  
  Sincerely,

  ******* ******
  Director of Operations, MCA Debt Advisors
  
  

• Initial Complaint

  Date:08/12/2024

  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.

  These people use tricks to scam me , just Said lies and also they don't return the money they agreed to return. Actually is more than 1800 usd ,I'm still waiting for back to my back account

  Business Response

  Date: 08/12/2024

  Dear *****,
  Thank you for bringing your concerns to our attention. We take all feedback seriously and would like to address the situation with factual information regarding your account.
  Enrollment Date: According to our records, you enrolled in our debt renegotiation program on May 6th, 2024, and agreed to the terms and conditions outlined in the contract.
  Payments: As part of the agreed-upon payment schedule, we received your first three payments without issue. However, on your fourth scheduled payment, a stop payment was placed.
  Contractual Obligations: The placement of a stop payment on your account is considered a breach of the contract you signed with us. This action resulted in your account being deemed in default.
  Program Details: Our program is designed to assist clients by renegotiating their debt to make it more manageable. The success of the program relies on consistent and timely payments, as outlined in the agreement. By defaulting on the payment, we were unable to continue with the services as planned.
  Please note that we are committed to helping our clients achieve the best possible outcome. We would be happy to discuss any misunderstandings or explore potential solutions to resolve this matter amicably.
  We appreciate your understanding and are here to assist with any further questions or concerns you may have.
  
  
  Sincerely,
  Michael S*****
  Director of Operations, MCA Debt Advisors
  ************ * **********************************

• Initial Complaint

  Date:07/09/2024

  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.

  Our issue with MCA Debt Advisors stems from their debt management service that failed to deliver as promised, leading to severe financial consequences for our company, Mr. Hardware eCommerce LLC. Initially, MCA committed to reducing our debt from $28,000 to $17,000. The company advised halting payments to creditors to renegotiate the debt, based on their supposed strong relationships with them. However, following their advice, not only was the debt not reduced, it increased due to penalties for non-payment, exacerbating our financial burden. Furthermore, MCA withdrew over $11,000 from our bank account, claiming these funds would be used to negotiate with creditors. Out of this sum, only $3,600 was sent to the creditor, while the remainder was retained under the pretense of covering service costs, a move contrary to initial guarantees that such costs would be covered by the savings generated from the debt reduction. This handling of funds and the lack of transparency and effectiveness in the service led us to face not only an increased debt but also the paralysis of our business operations after creditors executed a UCC-1 Lien against our Amazon store and froze our PayPal and Square accounts, cutting off our essential cash flow for daily operations. The situation was further aggravated by MCA's lack of effective communication and evasive responses, which prevented us from achieving a clear resolution or any form of damage mitigation, leaving our company in a state of extreme financial vulnerability and risk.

  Business Response

  Date: 07/22/2024

  Dear Better Business Bureau,
  We appreciate the opportunity to respond to the complaint lodged by Mr. ************ concerning our debt management services. We take all feedback seriously and strive to address any concerns our clients may have.
  First and foremost, we would like to clarify that MCA Debt Advisors did not advise Mr. ************ to stop making payments to their creditors. When new clients enroll in our program, we conduct a thorough welcome call to discuss the potential risks and benefits associated with renegotiating their debts. During this call, we emphasize the importance of maintaining communication with our senior negotiators to ensure a smooth process.
  In this specific case, our senior negotiators attempted to contact Mr. ************ multiple times to discuss the strategy and timing for negotiations. Unfortunately, the client did not return our calls until after their creditors had already taken actions to secure leverage in the negotiations. Despite this delay, our team was able to achieve a monthly savings for the client through our negotiations.
  We would also like to address the concerns regarding the funds withdrawn from the client’s bank account. MCA Debt Advisors utilizes these funds to negotiate with creditors and secure favorable terms for our clients. In this instance, a portion of the funds was used to make a payment to the creditor, and the remainder was retained to cover service costs, as clearly outlined in our agreement. It is important to note that these service costs are crucial for maintaining our operations and providing the services promised to our clients.
  Moreover, it is important to highlight that the client placed a stop payment on our transactions, which significantly hindered our ability to maintain the negotiated terms with their creditors. This action complicated the situation and contributed to the financial difficulties described by Mr. ************.
  We regret that the client experienced financial challenges and we remain committed to assisting them in finding a resolution. We encourage Mr. ************ to reconnect with our senior negotiators to discuss potential next steps and work towards alleviating their financial burden.

  At this time we will not be issuing a refund do to the file being classified as a defaulted client due to breach of contract.
  Thank you for your attention to this matter.
  Sincerely,

  Mike S***** 

  Director of Operations

  MCA Debt Advisors

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

  Customer Answer

  Date: 07/27/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  *** ****** ** ** ******** **** ****** ** * ****** ** ***** **** ** **** **** **** ** *** ********

  Dear ***** ******,
  I am writing to further elaborate and clarify the details of my initial complaint against MCA Debt Advisors, including specific evidence and communications that demonstrate the severity of their malpractices. In response to the incorrect statements presented by Mike S*****, I provide detailed evidence to refute each point inaccurately raised by him.
  Initially, MCA, through Steve S******, advised me to suspend all payments to Itria to facilitate a debt renegotiation, claiming they had strong relationships with this lender. Contrary to these claims, I am attaching text messages and emails where Steve clearly recommends this action, which later proved detrimental due to the lack of a real agreement with Itria, significantly increasing our debt due to penalties.
  Furthermore, I request that MCA supply the recordings of phone calls that will corroborate the truthfulness of my claims, as these conversations were recorded and will show the inconsistency of MCA's communications.
  I have maintained continuous and documented communication with several MCA agents, not only with Steve S****** but also with Dayana M******* (***********************************), who has witnessed numerous attempts to clarify and resolve the situation without receiving adequate cooperation from MCA. Other agents involved include Kendra P***** (*********************************) and Michael S***** (**********************************), who have shown a pattern of evasive responses and a lack of effective action.
  As a result of these facts, and given that MCA retained more than $11,000 from our account, promising to use these funds for negotiations that never materialized, I was forced to suspend payments when Itria froze our Amazon accounts, cutting off our cash flow and paralyzing our business operations.
  Given the documentation and evidence I possess, including email exchanges and call logs, I request a thorough review of this case and consideration of broader legal action against MCA Debt Advisors. The practices of this company have not only severely harmed *** ******** ********* *** but also pose a significant risk to other consumers.
  I urge the BBB to consider this evidence and the possibility of a class-action lawsuit given the extent of negative testimonials on various platforms and ongoing legal actions by figures like New York Attorney General Letitia James against similar companies.
  I appreciate your attention to these critical details and look forward to your prompt response.
  Sincerely,
  ********* ************  

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

  Business Response

  Date: 07/31/2024

  Dear Better Business Bureau,
  Thank you for the opportunity to provide a detailed response to the rebuttal submitted by Mr. ********* ************ of *** ******** ********* *** regarding our debt management services.
  Miscommunication About Payment Suspension: We strongly refute the claim that MCA Debt Advisors advised Mr. ************ to halt payments to Itria. The advice given by our representative, Steve S******, was in line with our standard procedure, which emphasizes the importance of maintaining communication with our senior negotiators. We invite Mr. ************ to provide the text messages and emails mentioned for review. Additionally, we are willing to supply the email records to ensure transparency and verify the accuracy of communications.
  Handling of Withdrawn Funds: As stated in our initial response, the funds withdrawn from Mr. ************’s bank account were used in accordance with our agreement. $3,600 was paid to the creditor, and the remaining funds were allocated for service costs, which are necessary for the operation and provision of our services. This allocation of funds was clearly outlined in the agreement signed by Mr. ************.
  Client Communication: Our records show that our senior negotiators made multiple attempts to contact Mr. ************ to discuss negotiation strategies. Unfortunately, the delay in his responses hampered our ability to effectively negotiate with his creditors. We have documented these attempts and can provide evidence of our efforts to maintain open lines of communication.
  Impact of Stop Payment: The stop payment placed by Mr. ************ significantly hindered our ability to negotiate with creditors and maintain the terms of any agreements reached. This action contributed to the financial difficulties described and was contrary to the agreed-upon strategy for debt reduction. The strangle hold on his account was part of the terms negotiated and hold was lifted. Stop payment came months later from the client.
  
  
  At this time, we will not be issuing a full refund due to the file being classified as a defaulted client due to breach of contract. We believe our actions were in line with our standard operating procedures and the agreement signed by Mr. ************. I am open to negotiating alternative options that can leave both parties happy. 
  Mr. ************ can feel free to contact me directly or his attorney contact me.
  
  We appreciate your attention to this matter and look forward to resolving this issue in a fair and transparent manner.
  Sincerely,
  Mike S*****
  Director of Operations
  MCA Debt Advisors
  ************

• Initial Complaint

  Date:05/22/2024

  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.

  We have a mca loan out there and this organization has their ways of finding this out. They will not stop emailing and calling me trying to sell their services. I have repeatedly asked them to stop calling and emailing but they continue to call and email. At what point does it become harassment? They will not stop. Just today I was on the phone with a customer while they were calling in. We have a business to run and that should be respected when we ask to take us off their list.

  Business Response

  Date: 05/23/2024

   Dear Mr. *****,
  Thank you for bringing your concern to our attention. We sincerely apologize for any inconvenience caused by our calls and emails. At MCA Debt Advisors, we strive to maintain the highest standards of customer service, and your feedback helps us improve.
  Upon receiving your complaint, we immediately reviewed our communication practices and your specific case. It appears that your contact information was included in our database due to multiple times from various list we have purchased. We understand that receiving unwanted communications can be frustrating, and we apologize for any distress this may have caused.
  

  To address your concerns, we have taken the following steps:
  Immediate Removal: We have removed your contact information from our marketing and communication lists to ensure that you do not receive further calls or emails from us.
  Training and Improvement: We are reinforcing our commitment to respecting customer preferences by providing additional training to our team members on best practices for customer communication.
  

  We value your privacy and your business. If you have any further concerns or if there is anything else we can assist you with, please do not hesitate to contact our customer service team directly at 855-434-8296 or ************************.

  
  Again, we apologize for any inconvenience and appreciate your understanding.
  Thank you for giving us the opportunity to address this issue.
  Sincerely,

  Michael S*****

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

  Director of Operations

  MCA Debt Advisors

   

• Initial Complaint

  Date:05/21/2024

  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.

  Yesterday, May 20, I agreed with you based on many wonderful predions and promises that disappeared when I saw the reviews about your company, MCA DEBIT ADVISORS and its frauds, so I requested my cancellation to which I am entitled in the first 5 days Today, May 21, a person called me to try to persuade me about my cancellation but I only asked for my CANCELLATION, 5 hours have already passed and I still have not received news of my cancellation and no one answers my emails or my messages or calls, I only demand my cancellation and refund of the money they charged me for their services that were never started

  Business Response

  Date: 05/21/2024

  Good Afternoon ******,
  We have received your cancellation request and are currently processing it. You will receive a full refund for your payment.
  As our customer service team explained during your phone call, there are a few steps we need to complete on our end before we can confirm the cancellation. Since you submitted your request earlier today, we appreciate your patience as we work through this process. We anticipate having everything finalized by the end of the week. Thank you for your understanding.

  Best Regards,

  Mike S*****

   

• Initial Complaint

  Date:04/30/2024

  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.

  MCA debt advisors contacted me on March 29, 2024 about helping me transition from weekly and daily pay loans to a bi-weekly payment. I told them I was not interested, yet Albert was persistent that he could help. I was not in a place where I was unable to pay back my loans, but after promises they could save me some money, I reluctantly agreed. It is now April 30th and they have done nothing except take my money for payments. They have not contacted my creditors or attempted to negotiate a lower rate. Instead after following their instructions to stop payments on my accounts, the original creditors have placed liens against my business. I have lost thousands of dollars due to this on top of paying MCA over $2000. Hen I’ve attempted to get clarification on what’s going on, I’ve been told so many stories about why nothing has happened on my account.

  Business Response

  Date: 04/30/2024

  Dear ******* *******,
  

  We're sorry to hear about your recent experience with MCA Debt Advisors. We take all complaints seriously and aim to address them promptly.
  

  Upon reviewing your case, it appears that you enrolled in our program on March 29, 2024, and made your first payment into the program on April 17. We did make several attempts to contact you between April 1 and April 19 to discuss the program, the process, and establish a game plan. Unfortunately, we were unable to reach you during those times.
  

  However, we understand your frustration with the lack of progress and miscommunication. Management had a conversation with you on April 30, during which you expressed dissatisfaction and requested to cancel the program. We acknowledge your request, and management is currently processing it. You will be contacted shortly with an itemization of your account.
  

  Regarding the issues with your original creditors and the placement of liens against your business, we understand the severity of the situation, during your call with ur management team we offered to assist you with this matter, but you did not like any options brought to the table and request to move forward with cancelation. 
  

  Once again, we apologize for the inconvenience and any frustration this has caused. Please be assured that we are committed to resolving this matter to your satisfaction.
  

  
  

  Customer Answer

  Date: 04/30/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

  With regard to them not being able to reach me, as I explained to Albert, I was not answering calls from numbers I do not know, on MCA's advise. They told me not to speak to my creditors so I was avoiding their calls. When I have responded to their emails, it has taken them days to follow up, :ie a request for more documents that was sent, but took me making a complaint before they even did anything with it. I have requested a complete refund of the money I have paid them, and I am now being told I have to wait an entire month before they can process a refund, then another 7-10 business days to receive the funds? Absolutely unacceptable. I would like my refund immediately as well as an email stating my account has been cancelled and closed with them and the amount being refunded to my account. 

  
  *** ****** ** ** ******** **** ****** ** * ****** ** ***** **** ** **** **** **** ** *** ********
  Regards,
  
  ******* *******

  Business Response

  Date: 05/01/2024

  Good Afternoon *******,

  Marcus did not inform you that you would have to wait an entire month for the refund. He advised you that the review of the accounts occur at the end of the month and could take 14 business days by the escrow bank to process the refund. He also informed you he was going to work to have the matter expedited to have the refund completed shortly after the itemization is completed.

   

  
  Michael Shelby
  Director of Operations, MCA Debt Advisors
  ************ * ********************************** ******************* **** ***** **** ***** ***** ***** *** *** *****

  Customer Answer

  Date: 05/01/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

  
  Just because you tell a lie over and over does not make it true. Marcus did tell me it would be the end of May. Marcus also told me that no funds from the lien have been released to the creditor and that the funds were "just on hold to scare me". Echo Health, my payer source sent out checks to the lien holder on April 24th totaling the amount of $5683.22. So again more lies and manipulation from this fraudulent, scam of a company. Every person I have spoken with has had a different version of what happened with my account. Just refund my money so we can be done with this. 

   

  
  *** ****** ** ** ******** **** ****** ** * ****** ** ***** **** ** **** **** **** ** *** ********
  
  Regards,
  
  ******* *******