BBB Business Review
This Business is not BBB accredited
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A number of consumers have reported to BBB that E.L.H. Consulting / Proactive Planning Solutions offers to consolidate and/or obtain lower interest rates on consumer's credit cards in exchange for an upfront fee that may be $799, $990, or $995. Consumers allege ELH Consulting promises to lower interest rates on their credit cards and save them thousands of dollars. Although ELH Consulting advertises " We provide our clients with extensive educational material teaching about topics from interest rate reduction; mortgage information; banks and finance companies; types of credit; and much more", consumers allege that after receiving the information and paying the fees, the company is difficult to reach. Some consumers allege long delays in receiving information or say they do not receive information at all. Many consumers allege confusion about the program and say that when they attempt to reach ELH Consulting for an explanation, they are not satisfied with the response. Other consumers allege when they have attempted to obtain a refund from ELH Consulting, they either have experienced difficulty reaching the company, or are told they will not receive a refund and do not.
This business is not BBB accredited.
Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.
Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.
Factors that lowered the rating for ELH Consulting include:
- BBB concerns with the industry in which this business operates
- 102 complaints filed against business
- Failure to respond to 62 complaints filed against business
- 3 complaints filed against business that were not resolved
- 14 serious complaints filed against business
- Overall complaint history with BBB
- Government action(s) against business
Customer Complaints Summary Read complaint details
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||67|
|Total Closed Complaints||102|
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||4|
Licensing, Bonding or Registration
This business is in an industry that may require professional licensing, bonding
or registration. BBB encourages you to check with the appropriate agency to be certain
any requirements are currently being met.
These agencies may include:
Type of Entity
Limited Liability Company (LLC)
Business ManagementMr. Emory Holley IV, Member Ms. Lisa Miller, Owner Ms. Heather Askwig, Office Manager Ms. Roxanne Franklin, Compliance Manager Mr. Jack Holley, General Manager
Related BusinessesNational Bankcard Monitor, LLC
Debt Relief Services Credit - Debt Consolidation Services Credit & Debt Counseling
Alternate Business NamesACC Financial Connections LLC Allied Corporate Connection E.L.H. Consulting, LLC Forrest Marketing Joshua Tree Consulting Key One Solutions, Inc Market Advantage Proactive Planning Solutions Trust Tech Solutions
Industry TipsCredit Repair and Debt Relief/Credit Cards Debt Consolidation/Bill Paying Services Debt Relief Services
Customer Review Rating plus BBB Rating Summary
BBB Customer Review Rating plus BBB Rating Overview