Complaints

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

• Initial Complaint

  Date:02/03/2025

  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 paid off credit card ******** sold to ************** management they took my money and put the whole amount back on my credit report I got proof will send it they settle for half now it's back 9528 wow I want to sue them

  Customer Answer

  Date: 02/04/2025

  My citibank card was sold to midland credit management I settle for half I owe 5000 caught American debt relief in a lie cancel the program because it's paid but on 1/30/2025 they put the whole amount back on my credit report but I'm sending proof I started paying midland credit management on 11/30/2023 this illegal and someone should be fired for this please remove off my credit report

  
  

  Business Response

  Date: 02/14/2025

  Before Mr. ********* canceled our services, we successfully settled a few of his enrolled accounts. Those settlements were very favorable. We have no control or input over what appears on a client's credit report. What Mr. ********* is seeking must come from his creditors not us. We have attempted to contact Mr. ********* several times by phone, text and email with no response. He may contact us at any time for further discussion. Thank you.      

• Initial Complaint

  Date:10/22/2024

  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 sign contracts with this company to settlement of my debt i will pay 311 per month now in mid way they asking to pay more money monthly

  Business Response

  Date: 11/05/2024

  We contacted our client and fully explained the status of their program with our company. At this point, all questions have been resolved. Thank you.  

  Customer Answer

  Date: 01/02/2025

  I sing for debt consolidation for my three credit cards debt amount was 311 for 42 months which I agree and I follow it now in middle of if after making thousands of payments they asked to pay more I money I ask why they said it was all estimates plus you have to pay 25% service fee they newer mentions a word about service fee when I was talking terms of contract they send me email and asked me to sigh place which I did please find some resolution

  
  

  Business Response

  Date: 01/06/2025

  We spoke further to our client and provided more details about the status of their program. At this point, the client is traveling for 3 weeks and said they would not be able to respond further until they return from traveling. Thank you.  

• Initial Complaint

  Date:09/17/2024

  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.

  I paid $400.35 each month since I signed up for the program on 8/5/23. They paid Kohls off and thats it. They got me sued by *************** for not letting them know I was in the program. They sued me and have a payment plan now with their Attorney. I cancelled the program on 9/4/24 and they said they paid *********** off ending in 0392. I called *********** and they did not get a payment. I asked about my refund and they said if they owe me I would get it in 10 days and would not tell me what they owe me. They didnt pay the *********** card which was $3500 or so which means they owe me around $4k

  Business Response

  Date: 09/18/2024

  We spoke to Ms. ******* and explained the full status of her program with our company. Ms. ******* understood all those issues. Thank you.    

• Initial Complaint

  Date:09/12/2024

  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.

  Let's start with the fact that the information provided is not the exact same information I was given in the beginning, when I signed up. I was given a settlement for one of the accounts. The settlement offer was for about $4500. They increased my monthly payment, but once I told them that I wouldn't be able to make that payment amount every month, the settlement was removed with no explanation. I had to see the change on my app to find out that it was removed. I was never told that an issue would occur like this. When I called about this matter, the representative tried to talk me into staying with them. I am also requesting a refund because I was told that the money I would be paying a month, would be going to the settlement amount. But once the settlement was removed and I called and asked about the money I have been paying for the last few months, they told me that it went to their fees. In the beginning I was only told that they have a $70 a month fee which is included in the monthly payment I would be making. Now all of a sudden, the $828.28 I paid is gone, and nothing went to the creditor. This company is a scam and needs to be shut down. They are taking a lot of people's money and not helping them eliminate the debt they signed on for. Taking $828.28 from someone who is trying to get out of debt is criminal and I would like for this to be handled as soon as possible. I have proof that there was a settlement offer and then they removed it. No one called me about it. I had to call to find out what was going on. They are not professional.

  Business Response

  Date: 09/30/2024

  Pursuant to her request, we have fully cancelled ******* ********* account with our company. No further activity on that account will take place. Thank you.  

• Initial Complaint

  Date:09/08/2024

  Type:Order 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.

  on 2-21-2020 I entered into a contract with american debt relief to help me with my credit cards. I paid every month by autopay through my bank of $237.13. When the graduation date of the contract came through the *** advised me that I need to keep making payment until 1-4-2025 for the total of $4363.82. I advised them that I had reached my end of the contract and that they should have reached theirs. I stopped the auotpay through my bank. I later sent for my credit report and found that not only did they have the account state paid as aggreed they also didn't pay all of the debts. The total comes to $5479 and I would like my money back with interest. They did not forfill their end of the contract and have defaulted or defrauded me and I want my money. I will have to deal with the credit companies myself since I do not trust this company to do so

  Customer Answer

  Date: 09/13/2024

  after reviewing my credit report I have found that the total on money that wasn't paid out is $7701 and this company did not pay 7 debts and I have a total of 178 negative reports on the 7 accounts they did not pay. they did pay 2 accounts and 3 accounts just did a charge off. So my credit report according to my Experian report my score is 589 with 9 negative accounts and 41% negative accounts. I have yet to review my other reports but I will send information along after I get my reports.

  Customer Answer

  Date: 09/16/2024

  after looking over the transunion report is shows that American debt relief failed to pay $8716 and gave negative reports on my account 163  times with 9 different companies. I believe that a settlement between $7701 and $8716 would be satisfactory and a cleansing report on my credit accounts is needed. I was told at the begining of this contract that all reportswill be with held while negotiations are going on and at the most I might get a letter from one or a couple of the companies to settle for a lower ammount and I should foward them to ADR which I have sent a total of 7 letters some of them are from the same company.  If they can't clear the bad reports they allowed to happen then punitive damages should apply.

  Customer Answer

  Date: 09/17/2024

  recived an email from a Navya Metta<**************************************************> stating that I cancelled the agreement early and I am at fault. I read the agreement again and it says the graduation date is 8-4-2023 or 42 months after the agreement was reached. I followed the agreement to the letter and stopped the payments at 8-4-2023 and they sent me a letter back then that I needed to keep paying a bigger amout of $237.13 a month until 1-4-2025 of an additional $4363.82.  I sent you a screenshot of the agreement in case the others didn't come through, The one statement she sent me shows a lot of $10 and $3 charges that I have never seen before. I have advised her that I will inform you of her letter and if you need anymore let me know, I also advised her that I am will to take this to an attorney if I need to.
  

  Customer Answer

  Date: 09/18/2024

  this is the latest that has been sent to me by ***** ***** from American Debt relief. She states I cancelled the program but I actually stopped paying when the graduation date was reached, she also states that everything is done by estimates. She is dragging this out so she can figure out how to take my money. I'm going to a person that knows how to read credit reports so I can get a dollar amount of what was paid, what was charged off and what wasn't paid and by whom. I getting a little upset that this company is wasting time instead of getting offers together for me.

  Customer Answer

  Date: 09/19/2024

  here is the final sumation of the complaint, I entered into the contract with american debt relief on 2/21/2020 client id# ******* with the enrolled debt of #*****. and estimated savings of $8533.85 and 20% of the debt amount, the program was set for 42 months with a starting payment of $213.13 until Aug of 2020 where they increased the payment to ******. I also made 2 payments of $313.13 on 6/8/2020 and 7/8/2020 per their request to 'jump start' the payouts so i total of the contract I paid them$9091.68  and with a clearly stated graduation date of 8/21/2023 and this is when I stopped the payments. I received a letter from American debt relief that I have a current debt of $4363.82 and a savings balance of $8.00 with them and I need to continuemaking payments of $****** until 1/4/2025 (the date is correct on what the letter states). I tried to get a loan on 7/2024 and was turned down because they said I owed a whole bunch of money to creditors and this is when I found out that American debt relief  did not make all the payments as they stated they would. So after an examination of 2 of my credit reports is shows that American debt relief owes me $5231 of money they were suppose to pay to creditors but did take from me. At this time it has been confirmed by the credit reports and the contract that American debt relief needs to send me a check for the amount of $5231. This is as simple as I can make the complaint. Please help me get my money back

  Customer Answer

  Date: 09/20/2024

  you need to get me my $5231 returned to me so I can get this ***** ***** off of my back, she is sending me emails every day telling me that the dates on the contract were guesses and not set in concrete. She seems to be living in her own little world or she is just plain old incompetant at her job, please push this through so I can get my money and some peace and quiet

  Customer Answer

  Date: 09/21/2024

  I have been getting emails from this woman (***** *****) ever since they have received the complaint from you, I'm tired of her trying to explain how the proccess works and told her today (9-20-2024) by email that she needs to contact you about the issue and to stop harassing me. Please stop her from harassing me.

  Customer Answer

  Date: 09/25/2024

  on 9-25-2024 I recieved an offer emailed directly to me Stating they would settle for $1233.81, I advised them they should correspond through you only and that the number they want to offer me is $5231, I have attatched a screenshot of their email to me and my reply to their offer. They know they have did me a big dis-service and are trying to get away from it with low numbers. If they contact you like they are suppose to you can tell them the number is $5231

  Customer Answer

  Date: 09/27/2024

  for some reason American Debt Relief doesn't want to offer any solutions through you

  Business Response

  Date: 10/01/2024

  We have spoken to Mr. ******** and are providing him a refund. His account has been fully closed. Mr. ******** will receive his refund within 6 to 8 days. Thank you. 

  Customer Answer

  Date: 10/02/2024

  I have reviewed the business response and accept this resolution for now. They have offered me a small percentage and I will accept it in the mean time

• Initial Complaint

  Date:09/05/2024

  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.

  I was scammed by this fraudulent company that preyed on my vulnerability. Received my personal bank and social information and address, mailed me a letter stating they can help relief debt from multiple credit cards. 2 minutes after hanging up and agreeing to the terms, I called back to cancel because I saw all the fraud complaints on BBB and they are not accredited. They keep me on hold and refuse to answer the phone to allow me to cancel. Someone please help me! This is a complete scam

  Business Response

  Date: 09/09/2024

  Pursuant to ********************** request, her account with our company was already fully terminated. No fees have been charged. Again, ********************** service agreement has been canceled. Thank you.  

• Initial Complaint

  Date:08/30/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company calls multiple times per day. I have never engaged them for services. My number is registered on the Do Not Call list, I have informed them of this and requested to be removed from their list multiple times.

  Business Response

  Date: 09/03/2024

  We received Mr. ********** request and have completely opted him out. His information has been opted out. There is another company with a similar name to our company making outbound calls. We do not do that with any consumers. In any event, as an extra measure of caution, Mr. ******** has been opted out of our records. Thank you. 

• Initial Complaint

  Date:07/21/2024

  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 signed up about a year ago, I can't remember. I was told an amount and it would be 3 years to pay all the debts. I have since had to pay hundreds of dollars more and have so far been taken to court twice. Since I have no garnishable wages, I have liens on my house. They won't respond when I've called about court dates. Not a good business model

  Business Response

  Date: 07/25/2024

  We reached out to ******************** and addressed all of her questions and concerns. At this point, ******************** would like us to continue providing her services. Thank you. 

• Initial Complaint

  Date:07/08/2024

  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.

  Ive been paying American debt since Jan 2023 and had nothing but poor experiences. Either the reps hang up when asking for managers. Or they give wrong & different information on each call. Ive spoke to a ****** on 7/5/24 on a discover settlement. He gave me 3 different payment amounts. Then, I asked for a manager he disconnected the call. I called back and was hung up on again. I then got a call on 7/8/24 to call back. Spoke to ************************ and another male rep who couldnt help me. Im in the process of contacting an attorney because this company cant be trusted. They give conflicting information and charge so much in fees and my accounts are going to attorney offices and no one is telling me. Like discover is with an *************** place charging me $1064 in fees. Then, they gave me 3 amounts to change my monthly payment in one call they gave $440, then $507, they $540. It appears I cant trust anything these reps say. Then they answer calls as if they still in the bed and unconcerned. . If Id known this, ** never signed up for this & if I get enough money Ill get my accounts transferred out or pay them off myself. I have a navy credit card that they want to settle $3,000 on a ****** balance and this debt company is not taking the offer. Its like Im paying fees a month for poor service and they not settling my accounts correctly. I want to speak to a **************** asap. I paid them over $8,000 or more in payments and only see 2 accounts settled. Insects review of this before I seek legal and go to the news. Then , they changed my payment from $450 to $507 without my knowledge. I didnt agree to this to come out 7/10/24.

  Business Response

  Date: 07/15/2024

  We have spoken to our client at length about the status of their program with us. At this point, all questions and concerns have been addressed. We are always available if any other issues arise. Thank you.   

• Initial Complaint

  Date:06/23/2024

  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 signed a contract with American Debt Relief February 2022. I have been paying them the agreed upon monthly amount to fix my credit however they have made it worse. They opened an additional account in my name to use to consolidate my debt without my knowledge. I was not aware of this until I received court documents for a judgment and garnishment. I was able to find out that for the past 2+ years that I have been paying them either no payment was made on my debt or the payment bounced causing more fees. Then to top all that off it was supposed to be via ACH draft but the representative had me paying each month in bitcoin. I'm a single mom and not from this country. This company took total advantage of me and made things worse. Now I have to go to court and fight the company I had no clue I had an account with.

  Business Response

  Date: 07/01/2024

  Pursuant to ******************** request, her account with our company has been fully canceled. In addition, all funds remaining in her special purpose savings account at the time of cancelation have already been returned to her. Thank you.