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:03/26/2024

  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.

  They fraudulently withdrew money from my account without my permission or signature

  Business Response

  Date: 03/27/2024

  Dear *****,
  I hope this message finds you well. Thank you for bringing to my attention the complaint filed by Mr. ********. I appreciate the opportunity to address the concerns raised.
  Upon reviewing the matter, it is evident that there might be some misunderstanding regarding the payment process. Mr. ******** entered into a contractual agreement with our office on March 11th, 2024, as evidenced by the attached signed contract. This contract clearly outlines the payment schedule, which was thoroughly discussed with Mr. ******** before he signed it.
  I have been in constant communication with Mr. ******** regarding his concerns. Initially, he claimed that a payment was fraudulently drafted from his account. However, upon providing him with a copy of his signed contract, his statement evolved, suggesting that he had attempted to cancel the program over the phone. I assured Mr. ******** that I would investigate the matter further, as our system does not indicate any record of cancellation immediately after the contract was signed.
  In my correspondence with Mr. ********, I requested him to verify the phone number he used to contact our office for cancellation, which would assist us in narrowing down our investigation. Additionally, I explained that the payment he referenced is currently pending, and any resolution regarding his claim would depend on the outcome of our investigation and the status of the payment. Despite my efforts to engage in resolving the issue, Mr. ******** has not responded to my most recent email.
  I want to assure you that we take all customer concerns seriously and are committed to resolving this matter promptly and fairly. Our priority is to ensure that our clients receive the highest level of service and transparency. If there are any further steps or information required from our end, please do not hesitate to let me know.
  Thank you for your attention to this matter.
  Warm regards,

  Mike S***** 

  Director of Operation

  MCA Debt Advisors

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

• Initial Complaint

  Date:03/25/2024

  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 Dead Advisers came into the picture after I took two high interest business loans $3000.00 from Lindzy and $2000.00 from last Chance Financing because I needed to pay my commercial rent and other bills ACPA that I was suppose to pay daily 5 consecutive days $170.00 a day for 50 days, so MCA offered to consolidate that $5000.00 and for me to pay them twice a month and pay less at the end for both loans . So fare i paid to MCA D A $2828.24 since January, both Lindzy and LCF put liens on my Stripe account with my web sight and the DoorDash that I sell on so I'm blocked from payouts since 02/08 and I owe my wholesalers and MCA keep sending me to the bank to get the release of the cash from my stripe account notarized and it's in both cases $3000.00 so what are they negotiated for me? - they salary for 3 month of my money? I'm extremely frustrated and dissatisfied with the MCA Dead Advisers from Pennsylvania because they basically just added themselves to the bill instead of cutting my expenses. I would highly unrecommend using MCA Dead Advisers because they not negotiating, they taking they own time on your money, cosign me cut of payments and being on a verge of nervous breakdown, and the "negotiator" Kendra P***** who I was signed to, does not even call on the phone, she said to contact her by email only?!

  Business Response

  Date: 03/28/2024

  Good afternoon,
  Thank you for bringing this matter to my attention, and I appreciate the opportunity to address it.
  ***** ****** enrolled with our office on December 20, 2023, with two creditors totaling $5,066 in enrolled debt.
  Terms have been established with both creditors, and as of now, a total of $2,000 of the $2,800 mentioned by the client has been disbursed to them. However, the account is currently under review for collection due to the recent R02 account closure on the most recent payment made to our program. While the account is paused with us, our team is unable to release payments to the client's creditors. Consequently, creditors have reinstated holds and liens on the accounts. Once the client takes the necessary steps to rectify the situation on their end, we will initiate negotiations anew.
  Regarding the client's mention of signing up for consolidation, it's important to clarify that our office specializes in Debt Renegotiation, not consolidation. I hope this clears up any confusion regarding that aspect of the complaint.
  Thank you for your understanding and cooperation in this matter.
  Sincerely,

  Michael S*****

  Director of Operations

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

  Customer Answer

  Date: 04/01/2024

  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. They logged into my account without me outraising it and placed they charge of $670.45 as MCA auto pay on 03/31, it is still "processing". Both they "negotiations leaded to no where since 02/08 when both lenders sat up liens to my Stripe account with the DoorDash and my websifght with Bloomnation, so I'm not getting payed from what I make. I fell trapped between the lenders and MCA, I had a lend lord name ****** in ******* ***** where I had an office: is this company related to the Yours Truly restaurant chain?
  
  *** ****** ** ** ******** **** ****** ** * ****** ** ***** **** ** **** **** **** ** *** ********
  Regards,
  
  ***** ******* ******* **************

  Business Response

  Date: 05/01/2024

  ******

  Terms were established with both of your creditors and payments stopped going out to them because of your return payment received on March 11th.

  Terms with both creditors were established 2/23/2024, you stopped making payment to our office shortly after.

  Best Regards,

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

• Initial Complaint

  Date:03/07/2024

  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 help for high interest loan (both my parents passed in the past 12 months and I was the sole care giver for my mom and her cancer battle, my business suffered during this time, finances) MCA Debt advisors took may money, said they contacted any debtors and were working with them...do not contact them during this time, it is in our hands now. THANK GOD I called them myself after a couple of weeks and many demanding phone calls- I started my contract w MCA in late Jan (22), 2024 and requested cancellation of my account on February 16/18, 24- Thank God I realized what this company was up to. They have $2193.00 of my money which should be returned, as it was stated it was in an escrow account until the other debtors committed to working with them. As of this am, after a run around---calculated obviously, they are claiming I will not get a refund/basically pennies will be refunded due to fees they imposed. My contacts there are ALLY L****** JAZZ K***** and RHONDA R*******

  Business Response

  Date: 03/07/2024

  Dear ******** *******,
  

    We regret to hear about your dissatisfaction and understand your concerns regarding the cancellation fee outlined in your contract. We'd like to address your complaint and provide clarity on the matter.
  

  Firstly, as per the terms of your contract, there is indeed a cancellation fee in place to safeguard our office, MCA Debt Advisors, from the costs incurred at the onset of the program. This fee is essential to cover the resources expended from the commencement of your enrollment.
  

  Additionally, we would like to remind you that your contract also includes a provision for a 5-business day buyer's remorse option. This period allows clients to reconsider their decision and request cancellation within the specified timeframe without incurring any penalties.
  

  Regarding your specific situation, we empathize with the challenges you've faced, especially with the recent passing of both your parents and the strain it has placed on your business and finances. We genuinely appreciate your trust in us to assist you during such a difficult time.
  

  Regarding the refund, we want to assure you that we are committed to resolving this matter promptly. You are scheduled to receive a refund of $563.15 by the end of this month. This refund reflects the amount remaining after deducting the applicable fees, as per the terms outlined in your contract.
  

  We apologize for any inconvenience or confusion you may have experienced during the process. Our team members, including Ally L******, Jazz K*****, and Rhonda R*******, are dedicated to assisting clients and resolving issues promptly and professionally.
  

  Please feel free to reach out to us directly if you have any further questions or require assistance. We value your feedback and remain committed to providing excellent service to all our clients.
  

  Sincerely, 

  Michael S*****

  Director of Operations

  MCA Debt Advisors

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

• Initial Complaint

  Date:02/27/2024

  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.

  Over the past year, I have been receiving calls under several numbers not registered with this business. Within the past 2 months, it has gotten so much worse! This company is calling my business, texting my phone, sending me emails, the list goes on. I have repeatedly asked for the calls to stop, that I am not interested in what they are trying to sell me, and do not wish to be contacted. That has not stopped them... infact, it amps up and continues several times within the day. At this point it is harrassment. I have paid for services to be put on the do not call registry and have requested on several occassions to be removed from their listing. At this point, I will be seeking action with an attorney.

  Business Response

  Date: 02/27/2024

  Good Afternoon,
  We are writing in response to the complaint filed by ******** ****** regarding alleged unsolicited email and phone call messaging from our office. We take complaints of this nature very seriously and have conducted a thorough investigation into the matter.
  Upon reviewing our records, we were unable to locate an account associated with the name ******** ****** in our system. We have cross-referenced various databases and communication logs, but unfortunately, we have not found any evidence of communication attempts to or from Ms. ******.
  However, despite the absence of her account in our system, we understand the importance of addressing her concerns. We want to assure Ms. ****** that we are committed to maintaining the highest standards of communication and customer service. If she could provide us with any additional information regarding the nature of these communications, such as email addresses or phone numbers from which she received messages, it would greatly assist us in further investigating this matter.
  Furthermore, we would like to apologize to Ms. ****** for any inconvenience or distress that may have been caused by these alleged communications. We take all complaints seriously and strive to resolve them promptly and satisfactorily.
  Please do not hesitate to contact us if you require any further information or if there are additional steps we can take to address this matter. We value the opportunity to resolve this complaint and appreciate your assistance in facilitating communication between our company and Ms. ******.
  Thank you for your attention to this matter.
  

  Sincerely,
  Michael S*****

  Director of Operations

  855-434-8296

  Customer Answer

  Date: 02/27/2024

  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. 

  This response is clearly deflecting from what is actually happening with their sales reps. I was called 7 times today by the same representative after asking to be removed. The numbers are all different and unfortunately, even with a spam block on, I’m being harassed to no avail. Attached is a conversation from yesterday and the calls coming in today.  

  I’ve already reached out to an attorney and will be moving forward. This response is not accepted.

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

  Business Response

  Date: 03/01/2024

  Good Afternoon ********,

   You had emailed out to me directly earlier this week outside of your original complaint. In that email communication we discuss the reason why I could not find your account under ******** ******, because you it seems your contact information is under ****** **********. I informed you on the 28th I was having the information Scrub out of all active list and future list. That process has started, but does take a little time to complete so its 100% accurate. Please feel free to reach out to me if you receive anything after Monday Mar. 4th.

  Best Regards,

  Mike S***** 

  Director of Operations

  MCA Debt Advisors

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

• Initial Complaint

  Date:02/10/2024

  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 became a new business owner in the beginning of 2022, without being mentored, guided by a previous owner that set me up to fail. Who took all the money before she departed from the business and I put everything that I had into saving this salon that left me to be the last man standing amongst a team of 23. I rebuilt my team and culture from the ground up. During this time, I was learning things on the fly and financially had to seek assistance with various funding positions to stay alive. When MCA Debt Advisors reached out to me, I thought it was too good to be true and I should've went the opposite direction. But I was desperate to make this work. The only thing I should be sorry for is trying to find a solution to my debt to better my growing team! MCA Debt Advisors caused a great deal of disruption and distress, and I take full responsibility for it was my understanding that the decision to work with a Debt Advising company was to negotiate payments down and promised lower funds! We were under the impression that this company had our best interest at heart with the intention of helping my business, not aware that it was causing us to become more in debt! No one caught it, not even my bookkeepers who should have questioned the huge amounts being deducted from my account in 5 weeks time, the stop payments and paying out more than when I paid my funders directly. This MCA put my business in the negatives! They tricked me into believing they could do good for me and my business and advised that I not speak to my funders as it would jeopardize negotiations. They also promised that communication was key but they failed to respond EVER! They left me suffocate and almost foreclosing my Salon that I gave everything to. Come to find out, they kept the money and did no such negotiating. None of my funders received payment during the time I was a client with MCA. Now I'm $16,777.49 down that I can't get back and can't receive any further assistance due to this discrepancy.

  Business Response

  Date: 02/12/2024

  Dear Better Business Bureau,
  We are responding to the complaint filed by ****** *** against our company. We appreciate the opportunity to address the concerns raised and provide clarification on the matter.
  The claims made by ****** *** are entirely false, and we are prepared to provide documentation to support our position.
  ****** *** enrolled two accounts with our program. The first account, ***************, was enrolled on July 17, 2023, with a total of 5 debts across 4 creditors. Our team successfully negotiated with 2 out of the 4 creditors, and settlement payments were made promptly. The first creditor terms were set with was Forward Finance, Specifically, the first settlement payment was wired out on July 31, 2023, followed by the second settlement payment on August 31, 2023. Additionally, a settlement payment was sent to Creditor Everest on August 17, 2023.
  However, ****** *** placed a stop payment on our transaction after only making 3 payments into the program. Subsequently, the second account, ***************, was enrolled on August 1, 2023, with only 1 debt enrolled. Once again, our team successfully negotiated with the creditor, Global Funding Experts, and released the first settlement payment on August 14, 2023.
  Regrettably, after reaching an agreement with Global Funding Experts, ****** *** decided to place a stop payment on our transactions for the first account and elected to cancel this account, refusing to pay for the services we had rendered up to that point. As a result, there is still an outstanding balance owed to our office for the services provided.
  We remain committed to resolving this matter and providing excellent service to all our clients. We are more than willing to provide settlement agreements for the creditors discussed above, along with wire confirmation of the payments made to these creditors.
  Please do not hesitate to contact us if you require any further information or assistance regarding this issue.

  Best Regards,

  Michael S*****

  Director of Operations

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

  Customer Answer

  Date: 02/12/2024

  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.
  
  *** ****** ** ** ******** **** ****** ** * ****** ** ***** **** ** **** **** **** ** *** ********
  
  Regards,
  
  ****** ***

• Initial Complaint

  Date:02/05/2024

  Type:Customer Service Issues
  Status:

  UnresolvedMore 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 started working with MCA in August 2023. I would like to preface by saying, if anyone gets to the point of contacting a debt relief company, they are in an extremely vulnerable position. They tell you all you want to hear, and quickly enroll you into the program. Once you sign up, you never hear from them again. I was completely harassed by creditors. I know some of it comes with the deals you are trying to make but this was other level. One company in particular was ruthless, calling me, my children, my family, my terminally ill brother in law. It was horrible. I was constantly reaching out to MCA for updates and support they would never ever respond. I have all email correspondence to back all of this up. I did receive one email from a woman names Dayana. Her response was, sorry we are not lawyers we cant help you ( although they charge you a $300 lawyer fee) They keep collecting money to go towards this company, which is VADER. but never even contacted them or put a dollar towards this settlement. They just collected my money. At the same time, I had a massive potential fraud issue with Chase bank in November 2023. I was completely locked out of all accounts for weeks. I reached out to MCA multiple times to speak to them about this, they never responded to me. But because I missed a few payments they are hanging on to this to try and say I defaulted. If they had actually picked up the phone and had a conversation with me, we would have been able to rectify this. To sum it up- I had 3 creditors I had issues with, under 2 different contracts. One was settled, the other 2 never were contacted but they kept collecting money for these. They now will not give me back the $2800 they collected and never put towards a settlement, blaming things like fees and cancellation penalties. I would not have canceled if they had done their job. I literally had to protect my mental health These are bad people who are taking advantage of people at their weakest.

  Business Response

  Date: 02/15/2024

  Dear ***** ******,
  We appreciate the opportunity to address the concerns raised regarding ****** *****'s accounts with our office. After thorough investigation and review of the facts, we would like to provide clarification on the matter.
  ****** ***** had two accounts with our office:
  Account: ***************
  Enrolled: 8/7/2023
  Creditors Enrolled: Zinch Flex Funding and PayPal
  Terms Set with Zinch: Initial settlement payment made on 9/29/2023
  Client's Payment Behavior: Returned payments in November, made one wire payment in December, then ceased making payments, showing no intention of fulfilling the terms of the agreement.
  Default: Client was defaulted from the program due to breach of contract, with a total of 3 returns on this account.
  Fees: A success fee was applicable for the terms set with Zinch Flex Funding, and a default fee was incurred due to the breach of contract.
  Account: ***************
  Enrolled: 10/9/2023
  Creditors Enrolled: Only one creditor
  Payment Behavior: Client made only two payments before returning payments, similar to the behavior observed in the first account.
  Default: Due to the returns, negotiations with creditors were paused, and no terms were set. The client showed no signs of rectifying the situation, resulting in default from the program.
  Fees: A default fee was associated with this account.
  Itemization for Account - ***************:
  Default Fee (20%): $4,800.00
  Success Fee: $2,369.14
  Itemization for Account - ****************
  Default Fee (20%): $2,532.38
  We understand the gravity of defaulting from our program and strive to work closely with clients to find mutually beneficial solutions. However, despite our efforts to assist ****** *****, her consistent failure to adhere to the agreed-upon terms led to the unfortunate outcome.
  Please let us know if there are any further inquiries or if additional information is required to resolve this matter satisfactorily.
  
  
  Sincerely,
  Michael S*****
  Director of Operations, MCA Debt Advisors
  ************ ***********************************

  Customer Answer

  Date: 02/17/2024

  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.
  

  This réponse is a joke and completely full of lies. It makes total sense why Mr S***** would never respond to any calls or emails when I was in the program, because it seems he spends an awful large amount of time answering the multiple complaints his business gets everywhere.  Not to mention spelled my first and last name incorrectly, proving Mr S***** has zero interest in his clients.

  The facts don't lie- and follow the dotted line. The large amount of complaints are all so similar. It is quite obvious this company preys on people who are their most vulnerable and steals their money. They should be shut down.

  I tried for months to reach staff at MCA while enrolled in the program. They dont call you back, they dont email you back, they do zero to help you. I had NO CHOICE but to cancel my contract with them and take care of these matters on my own as the threats from the creditors were at harassment levels to myself and my family. MCA did not care at all. Their only response was, we are not lawyers we cannot help ( Although they do charge you a $300 legal fee)

  I have attached a timeline of my experience with them. 

  MCA was informed I had banking issues in November. I told Laura S**** multiple times I needed to pause until those matters were cleared. They are  trying to use this against me and of course, twisting the facts.

  They stole my money, and I want it back.
  *** ****** ** ** ******** **** ****** ** * ****** ** ***** **** ** **** **** **** ** *** ********
  Regards,
  
  ***** ******

• Initial Complaint

  Date:11/25/2023

  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 had a business debt through Bluevine. I contacted MCA Debt Advisors for help. They advised me they had reached a settlement with Bluevine. I began making payments on 7/20/23. My last payment was on 10/18/23. On November 14th I was contacted by a collection attorney regarding the debt with Bluevine. I immediately contacted MCA debt advisors, however each email I sent came back undeliverable. I emailed three different people I had corresponded with. I contacted Bluevine to discover they no longer have my account as it was sold to a debt collector. NO FUNDS were ever paid to Bluevine. I am seeking a full refund for the 8 different transactions: 10/18/23 - $793.63 9/28/23 - $231.54 9/21/23 - $231.54 9/14/23 - $231.54 8/30/23 - $769.63 8/16/23 - $868.63 8/2/23 - $769.63 7/20/23 - $943.63 TOTAL: $4839.77

  Business Response

  Date: 11/27/2023

  Dear ***** ******,
  
  
    We appreciate the opportunity to address the concerns raised in your recent complaint with the Better Business Bureau. Our commitment to transparency and customer satisfaction is of utmost importance to us, and we value the opportunity to clarify the situation.
  
  
    Firstly, we would like to confirm that ***** ****** enrolled in our program on July 6, 2023. Subsequently, the terms of the program with BlueVine were established in August, with the first payment scheduled for September. It was mutually agreed that Mr. ****** would contribute $1125 monthly towards the settlement amount and an additional $500 per month in servicing fees.
  
  
    In September, Mr. ****** contacted our office expressing a desire for a payment modification or a temporary pause in payments. In response to his request, we worked closely with him to accommodate his financial circumstances. At his request, the client is currently making minimum payments, which unfortunately prevents us from fulfilling the original settlement terms and satisfying our fee for services.
  
  
    We understand the importance of flexibility when it comes to financial obligations, and we strive to assist our clients in navigating their unique situations. However, it's essential to note that adhering to the initially agreed-upon terms is crucial for the successful completion of the program.
  
  
    We remain committed to working collaboratively with Mr. ****** to find a resolution that meets both parties' needs. Our customer service team is available to discuss potential alternatives and address any further concerns Mr. ****** may have.
  
  
    Please feel free to contact us directly at [Your Contact Information] to discuss this matter further. We appreciate your understanding and look forward to reaching an amicable resolution.
  
  
  Sincerely,

    Mike S*****

  Customer Answer

  Date: 11/28/2023

  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.
  
  They are correct except for one thing. Bluevine closed my account for lack of payment. They received no money from MCA. So where are the funds I have paid? I want a full refund of all payments. If they do not refund I will file a police report for theft ans a complaint with the state attorney general’s consumer department
  
  Regards,
  
  ***** ******

  Business Response

  Date: 11/28/2023

  On the last page of the document provided you will see their was a payment wired to Bluevine on Sept 11th which then cleared Sept 12th. I can have the escrow bank provide you with a copy of the wire confirmation for the $1,125.00 that was sent out. Their will be no refund disbursed because you still owe is payment for our fees for service. You breached the contract and is the reason why terms with the creditor could not be maintained. 

  Customer Answer

  Date: 11/28/2023

  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 need to see proof of that payment. But what about the rest of the payments that were NOT made? That money belongs to me if it has not been paid to Bluevine, minus your fees.

  You have the payments and the dates that they were withdrawn. Any payments not made to Bluevine should be returned to me. Why are you saying I can not get a refund of the  money you took and did not pay? To me that is theft
  
  Regards,
  
  ***** ******

  Business Response

  Date: 11/29/2023

  Good Afternoon *****,

  Attached is the wire confirmation made to Bluevine on 9/11

  This breakdown has been provided to your before in email but you continue to ignore it

  You paid $4,839.77

  Bluevine was paid- $1,125.00

  Our fee earned- $8,858.43

  Escrow balance- $3,543.02

  We will not release anymore settlement until you are back on track with your payments to our office.  You also have an outstanding fee owed for our services which is greater then what you have paid into the program this far.

  Customer Answer

  Date: 11/29/2023

  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.
  
  Thank you for breaking down the financial information. Anyone can see that your fees are beyond reason. I have filed a complaint with the Attorney General's Consumer Department.
  
  Regards,
  
  ***** ******

• Initial Complaint

  Date:08/18/2023

  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.

  ********** ******** ******* **** “I own a small business and was contacted by MCA in hopes of helping my company during our hardship in regards to financial relief for a loan repayment. In the beginning they were constantly in contact with me and seemed like a huge benefit. I consulted my financial advisor and after reviewing what they were offering we decided to enter an agreement. We went through all the necessary steps and procedures and started paying off the debt. They also informed us that they would contact our original loan company and settle with them for a lessor amount and that we no longer would have to deal with them because MCA was informing them that they were taking over our account. Unfortunately the calls, emails, letters, etc never ceased as we were told and about six or seven months into the agreement we received an email requesting us to set up our account to get started. This was puzzling since we had already been paying them for over half a year. Upon talking to them further we were informed that we needed to start the entire process over and that they had never contacted our original lender which explains why the contact continued. We had also reached out a few months in to let them know that they were still contacting us but we were never told that our account needed to be restarted. It wasn't until I received a phone call requesting me to make an extra payment outside of our repayment schedule that I knew this was more than just a mistake or a misunderstanding. I contacted our representative that I had been in contact with this whole process only to be told that he was never my representative and only a customer service agent. I have emailed the supervisor of the accounting department Micheal S***** but have yet to receive any correspondence back. I would not recommend utilizing them for any business dealing financial or other wise. This was a complete waste of my companies time and has set us even further back then we started.”

  Business Response

  Date: 08/18/2023

  **** **********
  
    I hope this message finds you well. We appreciate the opportunity to address the concerns raised in the BBB complaint regarding **** ****'s enrollment with our office on 12/22/2022.
  
    Upon ****'s enrollment, she engaged our services to assist in the restructuring of her Cash Advance Debt. We take our clients' financial well-being seriously and are committed to providing them with comprehensive solutions. To that end, we provided **** with a contract outlining the terms of our engagement, including a payment schedule and a proven debt restructuring strategy that draws from our extensive experience in the field.
  
    It's important to note that negotiations during this process extended beyond our initial estimates, primarily due to certain obstacles that emerged. We encountered a few challenges stemming from actions taken by the client that hindered the smooth progression of our efforts. One notable instance was the breach of contract when **** placed a stop payment on a scheduled installment. This breach led to a delay in communication from ****, who eventually informed us of her decision to discontinue our services approximately a month later.
  
  
   In accordance with the terms stipulated in the contract, we promptly notified the client of the applicable cancellation fee and default fee, which are designed to address situations involving breach of contract. Consequently, due to the client's default status resulting from the breach, we processed the corresponding default fee as specified in the contract. The remaining funds were subsequently calculated and submitted for refund.
  
    Recent correspondence from **** indicated her preference to receive the refund by check, which will be mailed to the address we have on file.
  
    We take our responsibility to our clients seriously and always aim to provide transparent and effective solutions. We believe in adhering to the agreements laid out in our contracts to ensure a fair and equitable relationship between our clients and us.
  
    If there are any further inquiries or clarifications needed, please do not hesitate to reach out to us. We value your feedback and are committed to addressing any concerns promptly.
  
    Thank you for your understanding and cooperation.

  Best Regards,

    Michael S*****

  Director of Operations

  MCA Debt Advisors

  Customer Answer

  Date: 08/22/2023

  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. Unfortunately it took filing a complaint to actually receive prompt and effective communication from Michael Shelby. As seen in my attachments I emailed him on multiply occasions and still to date have gotten no response. That in itself should show how they approach solving issues that they have created.  It also shows the lack of accountability on their end to resolve ongoing concerns with their clients. My company had no other choice but to contact our financial institution to get help with the atrocity of a mess MCA had left us in. In the end we want to find out details involving the reimbursement (amount, date of deposit, etc) and we will be disputing any fees that resulted from their lack of communication on their part. In the future I hope they can implement better communication courses for all their employees including managers. 

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

  Business Response

  Date: 08/22/2023

  Good Morning,

   

    **** **** complaint is in regards to communications with me. Dena was provided a designated representative to communicate with. She refuses to communicate through the proper channels. She can feel free to reach out to Ally L******, or Laura  S**** and they will provide her with any information she would like regarding her account with our office. 

  Customer Answer

  Date: 08/24/2023

  ****** ******** *******
  This companies incompetence while failing at handling their clients disputes is baffling. I have spoken with a plethora of representatives via email and phone with ALL of them referring me to the accounting department  which again Micheal S***** is unfortunately in charge of. According to his employees/co- workers my direct contact was to be with him via email in regards to any information about the reimbursement. If he wants he could ask to pull the multiply recordings between the representatives from his company and myself telling me that I had to contact him. Also if I was supposedly going through the wrong channels by emailing him to obtain the information why did it take me filing the complaint for him to simply respond to me to correct his representatives misinformation that was I was provided? This is yet another example of this companies egregious and appalling attempt to circumvent their mishandling of our account. The ratings and reviews should have been the biggest red flags but we were naive and then deceived into getting involved with this atrocity of a company. Nevertheless I will reach out to the individuals that he has finally provided to me but I am not hopefully that I will receive any answers.  
  
  
  Regards,
  
  **** ****

• Initial Complaint

  Date:04/20/2023

  Type:Billing 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.

  Dear Sir/Madam, I am writing to you to file a complaint against a company that has caused my family and me a lot of distress and financial loss. The company in question is MCA debt advisor, which promised to help me reduce a loan I had with *****. I was contacted by MCA debt advisor in 2022, and they promised to negotiate with ***** on my behalf to reduce the loan payments, which were almost $800 biweekly. They told me that they would create an escrow account to hold the money, and once the negotiation was done, they would use that to pay *****. They promised that the negotiation process would take only 3-6 months. However, after paying over $8,000 towards the escrow account, I found out that MCA debt advisor had taken all the money from the account illegally and paid me only $871 as the remainder. This is a complete scam, and I believe that they have acted unethically and illegally. MCA debt advisor has caused my family and me a lot of distress and financial loss. We are hard-working citizens who have paid this company to help us, but instead, we have been scammed and left in a worse position than before. I urge you to investigate this company and take appropriate action against them. We need to get every dollar back for their unethical ways of hurting business owners like us. We trusted them to help us, and they have taken advantage of us. Thank you for your attention to this matter. Sincerely, ******

  Business Response

  Date: 04/21/2023

  Good Afternoon,

  In response to ****** ** complaint. ****** left out some key details regarding his situation with our program.

  First ****** made 0 payments to their creditor *****, ****** was advised if we would have know that we would not have allowed him to enroll in the program.

  Secondly a breakdown from ****** Contract with ***** he was suppose to pay then $284.00 a day, $1,420 a week, so his numbers are off there.

  Even with 0 payments made my agent was able to re-negotiate the terms of his original contract making the payments more manageable for the client. The negotiator was able to re-negotiate the client daily payment into weekly and the client would only be paying $350 a week. Client was presented this he wanted to hold out too seek more of an over all saving, In March the client was advised again seems ***** is not budging on the balance but we still have said offer on the table. At that point the client wanted to cancel and a full refund. The client was informed we will uphold our contract for services rendered and he would be refunded the remaining. We restructured and re-negotiated terms of his original contract with the creditor and upheld to our contractual obligation; The client was sent a refund. Then he contacted my office and complained about the refund. Him and I had an email exchange I broke everything down for him and even offered to refund him an additional $1,000 because he stated he was in a bind. ****** Turned down the additional $1,000 stated "he wants it all back or he is going to ruin this us by posting continuous negative reviews."

  Attached is my documentation

   

   

  Customer Answer

  Date: 04/25/2023

  ** ******* ****** ** ******** **** ***** ********* **** ********** ** *** ********** *********  ** *** ***** *** *** ****** ** ****** ******* ****
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ****** **

• Initial Complaint

  Date:03/07/2023

  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.

  I would like a refund of the money I put into escrow to pay for debt consolidation. We were contacted via email by MCA Debt Advisors after filling out a loan application on nav.com. Below is the first email sent to us from MCA, with a "guaranteed quote" on how much they would save us by consolidating our short term advances we have taken on. "Email #1 - Guaranteed Quote". Screenshot #1 ----------------------------------------------------------------------------------------------- I hope this email finds you well Attached please find the guaranteed quote for your balance of $51,454.14 You are currently paying over $16,480 every month in expensive daily payments of $824.06. My offer is for bi weekly payments of $1,750 on average. Your total pay back will be $44,726.93 saving $6,727.21 so we are helping you not only to free up your cash flow but also to reduce that balance. For the agreement I need your DOB, Tax Id, SSN and a picture of a voided check so we can put the new ACH together and have them sign it. If you have any questions please let me know. " -------------------------------------- end email 1. ---------------------------------------------------- I received more calls and emails, and was convinced this would save me money on interest and broker fees based on they MCA told me. Ended up costing me 14k more in fees from lenders, and MCA kept $5400 of the $6k I paid into escrow. So this will end up costing us over $20k more in fees after enrolling for their program, which as shown in email they guaranteed we could not have additional fees.

  Business Response

  Date: 03/17/2023

  Good Afternoon,

    Mr. ******** enrolled into our program on 1/29 and requested to cancel on March 7th. During the time of enrollment Mr.******** was provided an estimated quote, then a contract which he electronically signed. 

  All documents have been attached, so if Mr. ******** can provide me a copy of the guarantee quote he speaks of I would appreciate it and will look into it. 

  When Mr. ******** enrolled he 3 creditors and during the time of enrollment terms were set with one of his creditors in which his original contract was restructured. The client is in the cancelation process and will be notified when the refund will be released to him, but he will not receive a refund for the full amount paid because my office plans to be paid for services rendered. 

  Customer Answer

  Date: 03/17/2023

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