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:12/10/2023

  Type:Product 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 successfully completed a program debt relief program with them on November 28th and was told twice by the associate Ambar that I would be receiving a refund of $1,423.00 that was left over in my account. I have called and left messages for her to call me back regarding my refund that I have not received. I have not heard back from her as of yet. I seeking help from the BBB to see what is going on with refund. This has been going on for two weeks, ***** told me on 11/27 and 12/4 my money would back in my bank account in 3 to 5 business.

  

  Business Response

  Date: 12/26/2023

  We resolved this misunderstanding prior to this complaint even being posted.

  

  Business Response

  Date: 12/27/2023

  We resolved this misunderstanding prior to this complaint even being posted.

  Customer Answer

  Date: 12/28/2023

  The company finally returned my call and explained to me why I didn't received the refund. Ambar that handling my case made a mistake on the balance that was left over. It actually was their fee.

• Initial Complaint

  Date:12/08/2023

  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 started with this company in August 2023. And my monthly payments have been deducted ever since in the amount of 752. They are supposed to be in contact with 4 companies. None have ever received a response from Cordoba. I have be threatened to be sued and my credit is taking a huge hit. Whenever I call them I get the round around or the reps hang up. **************** states they have elevated this matter but nothing is happening. I believed I was scammed.

  

  Business Response

  Date: 12/12/2023

  We are truly sorry to hear that you believe you are being scammed, but we want to assure you that this is not the case. It is a common occurrence for creditors to deny any knowledge of communication or cooperation with debt resolution companies, which is why we often hear statements like "we never heard from them" or "we don't work with them." However, we want to provide you with concrete evidence to support our claims.
  
  We sent ***** of ******** documents (POA) on your behalf between August 1, 2023, and August 2, 2023, and we have records to substantiate this fact. When you first engaged with our company, we explicitly communicated to you that this process could take up to 52 months, a timeline that you agreed to from the outset. It is important to note that only 4 months have passed since the commencement of this process.
  
  We would like to emphasize that our company is committed to helping individuals like you improve their financial situations. Our positive reviews from satisfied clients serve as a testament to our dedication and the positive impact we make in changing people's lives every day.
  
  We appreciate your patience and understanding as we work diligently to resolve your financial concerns. If you have any further questions or require additional clarification, please do not hesitate to reach out to us.

• Initial Complaint

  Date:12/04/2023

  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.

  October 27, ************************************************************************* my head, that I would have to suffer for 14 months, because, I thought this would clear my head of so many debters, so I decided to consolidate them. It wasn't until about a year later, when I needed to ask them if I can refrain from making a single payment.They obliged me. Then I needed to do it again about another year later, they were rude to me in the phone, and hung up the phone on me.Then when I had only two payments left, one of my debters garnished my paychecks, for $606.So I had to pay the $1566,. Plus the $606.Then they were very unresponsive and kept hanging up the phone on me.And ultimately said, it was up to me to take it up with the courts that was garnishing my paychecks.So I went up to the courthouse, to no avail.Nothing was accomplished. Then one of the associates told me that I had only three payments left on that debtor, then all was going to be cleared.This should be in the scam files, and this company should be out of business.

  

  Business Response

  Date: 12/12/2023

  We strive for 100% satisfaction and pride ourselves on our **** five-star reviews.Unfortunately, what you describe is not at all what happened in your case. You retained our firm with your 7 creditors, and we were able to settle 6 of them,leaving you one step away from being free of these debts. But what your review fails to say is you were served the suit on 8/5 and did not send us anything on this suit until 11/28, over four months later and what you sent was not legal documents. Then when you did send us actual legal documents about this, it was on 12/5, five months later, and it was garnishment documents due to this massive delay in sending us anything. At this point we were so perplexed about why you would not have sent these docs in for so long when you had a law firm representing you and why you allowed this case to be unanswered for five months. We asked you this question on a recorded line that we can have you listen to, your response was " I didn't think it was necessary" even though we went over the importance of sending in any legal documents timely multiple times earlier throughout the process with you once again on a recorded line. If you would've sent these documents at any reasonable time the firm would've handled this, and your case would've been completed on all 7 creditors.

• Initial Complaint

  Date:11/30/2023

  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.

  Im on disability and they said that they can help me with my deck Credit so they started taking $269.23 but the credit card people havent heard of this company and they dont even have proof and then I got a new bank card and somehow they still have my route number and information and I didnt give it to him

  

  Business Response

  Date: 12/12/2023

  We appreciate you taking the time to voice your concerns, and we're genuinely sorry for any confusion that has arisen. We'd like to clarify the sequence of events from our perspective.
  
  It appears that you made two payments to us, and subsequently, you initiated a stop payment request. In response, we made an effort to refund your funds, but unfortunately, the refund was unsuccessful due to your account being closed at the time.
  
  Regarding your claim that we possess your new bank card information, we want to emphasize that this is not accurate. Our records do not indicate any such information.
  
  We genuinely wish you the best in all your future endeavors and would like to resolve this banking issue promptly. Please reach out to us so we can work together to facilitate the refund of your money.
  
  Thank you for your understanding, and we look forward to resolving this matter.

• Initial Complaint

  Date:11/28/2023

  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 called and cancelled their services, at which time they told me that my refund would be around $1,800.00. They did refund me approximately that amount. However, after cancelling they pulled $793.05 from my ****************** Account. I need my money back, as I had no other financial obligations to them upon them drafting my account on 11/03/2023.

  

  Business Response

  Date: 12/12/2023

  We regret to learn of your dissatisfaction and aim to address any confusion. On November 3rd, you reached out to cancel your retainer with Cordoba Legal Group. It's important to note that at that moment, there was a pending payment that couldn't be halted. During your call, you were informed that your retainer would be canceled once this payment cleared, and subsequently, a refund would be issued to you.

  
  We want to emphasize our commitment to client satisfaction, exemplified by our impressive track record of over ***** five-star reviews. Please be assured that your entire retainer amount has been refunded and is now reflected in your account balance.

  
  Thank you for bringing this matter to our attention, and we appreciate your understanding.

  Customer Answer

  Date: 12/12/2023

   
  Complaint: 20926801
  
  I am rejecting this response because: as they stated in their response, the last payment did not suppose to be drafted. In our conversation about my refund, you all said the amount owed me was around $1,800.00. There was a deposit made for close to that amount. This deposit you made had nothing to do with the draft made after the fact. There is no way in the world, the drafted amount was a part of the lump sum payment, as the last draft was made days after my call to cancel. You all are talented with the law as lawyers, however, I have God on my side. As I stated before, that last draft is my money. That money you took out of my account belong to me, and i want my money back. This is the second step in me trying to get my money back. If I do not get my money back, I will write reviews on your company on every platform I can find, and I will not take my review of your company down. Also, I will not argue about what rightfully belongs to me. I will wait on your response, and govern myself accordingly. 
  
  Sincerely,
  
  **** *******************

  

  Business Response

  Date: 12/13/2023

  The refund amount you were informed of already factored in the pending payment. Our recorded conversation clearly reflects that we explained the presence of this pending payment, which could not be halted. Rest assured, we are completely transparent about this matter, and this accurately depicts the situation.

• Initial Complaint

  Date:11/27/2023

  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.

  This business has been nothing but unprofessional and unorganized within the company. I called this institution last month to get cancelled from the so called debt program they offer.. which should be in my records end of October the called was made. I wanted to cancel the program in October which they said they could do, and I asked for a refund of October since it just came out and Im no longer wanting or needing their services. Also, in the beginning of each call they say this is on a recorded line or whatever but this morning stated they have no records of me calling ? I think thats a major red flag alreadySo, today I go to look on my online financial account and see I was charged again by this company!!! After surely speaking with them last month to cancel the program as a whole and stop charging me right away. Im done dealing with them cause its giving a scam feel and I just dont want to be apart of it anymore. They have taken funds to pay my mortgage and have no clue on suppose to get a call back on what we need to do about this in 1-2 business days. I definitely wont recommend this company or any affiliation they have to anyone !

  

  Business Response

  Date: 01/03/2024

  We strive to provide professional and organized support to all our clients,and we regret that we did not meet these standards in your case.
  
  Regarding the cancellation of your program, we understand your frustration.It appears there was a misunderstanding as you were initially contacting the referral company instead of us directly. Once we were able to communicate with you about cancelling the program, there was a pending payment that could not be stopped. We assure you this information was communicated during our conversation.
  
  We have since cancelled your file as requested and processed the return of your funds. Client satisfaction is our number 1 priority as demonstrated by our thousands of 5 star reviews.

• Initial Complaint

  Date:11/21/2023

  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.

  In August, I signed up for debt consolidation with Cordoba Legal Group. I was surprised within the first month that a settlement had already been reached. Since this settlement, nothing else has been reached and when contacting customer service on November 1st, as I had been contacted by a creditor requesting a ***, the firm had waited until 14 days later to respond after a 2nd email was sent. ***** had stated that they were working on my file and had already sent the *** out while I am still getting questions for the *** from the same creditor. Also I inquired as to the 3 settlement offers I had already received and uploaded as to why they were not responding and if they were reviewing. I was told they were working hard on the cases and that they would get better results. Nothing has been done and I am still getting creditors calling and I want to cancel and receive a refund on all legal fees that have been collected as well as what is left in my account. I will finish paying the settlement myself as this company is a bait and switch where they are collecting more in fees and money and not doing their job that they advertise.

  

  Business Response

  Date: 11/28/2023

  *****, we are not sure why you have put this complaint up, it is a bit unsettling to us. You have only been with the firm for a total of 3 months. Yes the firm was able to achieve a very good settlement in your first month and we are working on the next settlements but it is now only your 3rd month, you have 20 creditors and you are budgeted for your case to take 60 months, not to be completed or close to completed in three months. We went over this with you when you signed the retainer than you went over this again with our verification ***** where you clearly stated you understood the time frame on how long your case is estimated to take. We are so confused what part of that is a bait and switch, please give us a call so we can understand why you feel this way, even though we are right on schedule with the estimated time we went over with you on multiple occasions.

• Initial Complaint

  Date:11/18/2023

  Type:Customer Service 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.

  Cordoba Legal Group is misleading its clients when it comes to debt consolidation. Within the majority of the complaints I have read about Cordoba, they are informing their clients after six consecutive payments, they will qualify for a loan option. They don't tell you that the loan option is provided by a third-party company called "*********," in which this company reviews your FICO score, and if your FICO score is poor, you will not qualify for the Loan option. The misleading part is that Cordoba Legal representatives say that "getting the loan is based on consecutive payments and not a FICO score," which is far from the truth.Another complaint is that any creditor they settle with the Cordorba Legal Group will get 25% of the settlement amount. So, for example, if they agree with one of your creditors for $3000, a potential client will owe them 25% of that settlement. None of the Sales reps that work for Cordobal legal group will tell you that, but Cordoba will have it in their contract. In my situation, I gave Cordoba Legal Group **** dollars, which they only settled with two creditors. So since Corobal decided with 2 of those creditors, Cordoba kept $3100 dollars (the 25% I mentioned) of my money, and the rest goes to my creditors by monthly payments. Bottom line, ladies and gentlemen, if your debt is out of control, do not use any debt consolidation company. Either work with the creditors yourself or file for Chapter 7 bankruptcy. That way, you are not getting beat out of your money from these blood-thirsty debt consolidation organizations. They feed off of those who have lost hope in controlling their financial situation.

  

  Business Response

  Date: 11/28/2023

  *****, we are very sorry to hear you are upset as we strive for 100% satisfaction with all our clients and pride ourselves with over **** five star reviews. We are not sure where there was confusion with the potential loan offer, but we did outline the parameters and requirements, which are six consecutive payments, affordability and credit, but they do take very low credits scores, as low as 500 and we did go over that it was certainly not guaranteed, as no loan is. What you failed to mention in your review is that we were able to achieve a settlement in your first month with us and another large settlements for you a couple of months after, each for $15,000 and all in the last 6 months, so you were ahead of schedule on your case since these were by far your largest creditors and you were budgeted for your case to take 60 months. These settlements gave you a substantial savings on principal and interest. You have ******************************************************************** only 5 months with the firm, those are excellent results. And as you know we clearly layout in the retainer agreement you signed that the firm charges a 25% fee, but only AFTER the work is completed, there was certainly no surprise there. Since we are NOT a debt settlement company, we are a law firm, we give you legal representation with your creditors and some other areas and make sure all settlements which are legal documents are handled correctly by legal professionals. We are here to discuss and go over any of these matters with you if you would like.

  Customer Answer

  Date: 11/30/2023

   
  Complaint: 20890707
  
  the am rejecting this response because:

  When Cordoba Legal representative reached out to me, they never said I would have to apply for their loan option. And keep in mind my bills were getting paid on time. But your representatives told me to stop paying my creditors. And now my FICO score is a disaster. Now I have to file for bankruptcy because I am in a worse situation than I was before agreeing to allow this organization to resolve my debt with my creditors. In addition,  I reviewed all the other complaints it's almost the exact same scenario.  

  Sincerely,
  
  *************************

  

  Business Response

  Date: 12/07/2023

  As stated previously you were explained the potential loan was certainly not guaranteed, the same as any other loan. You retained our firm due to your hardship with your debts and creditors, not for a loan. The loan payment if you qualified would not have been much different than the budgeted payment you set up with the firm, so If you cannot afford the that payment and continue on the successful path you were on, you wouldn't have been able to afford the loan payment as well, simply put the loan wouldn't have saved you since both payments are the same. The real sad part is we already had your two biggest creditors settled in a very short amount of time before you canceled and were on path to accomplish what we set out to do, which was relieve your debt and hardship. We also went over on a recorded line all the potential risks including the credit risk, where you responded back that you understood. We are here anytime to go over any of this with you if you'd like to speak with us.

• Initial Complaint

  Date:11/02/2023

  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.

  Cordoba phone solicitor had sold a bill of goods for debt redemption through this service. As I thought about the credit bureau ramifications, I decided to cancel as outlined in their 10-cancel policy. I emailed multiple consonances, faxed the cancellation, mailed the cancellation, and emailed the cancellation. At no time did Cordoba attempt to respond or phone me. I was notified by my bank of an attempt to withdraw funds that did not appear legitimate and asked if I wished to block as fraud, which I did since I had filed the required cancellation. This so-called legal group is at min the most unprofessional business I've ever encountered and am so glad I followed my gut, as they would not have represented me and I would have gone into bad standing with mult lenders all at their mercy. This business is truly unethical. I am working with my bank to see that any future attempts to withdraw from my account are blocked and have never received any direct correspondence whatsoever, which appears criminal.

  

  Business Response

  Date: 11/03/2023

  ****, you signed our retainer agreement on 10/26/2023, on 10/28/2023 (Saturday) you sent an email stating you wished you cancel. As the auto reply states it can take up to 72 business hours for emails to be reviewed. We did in fact review your email but at that time your payment was already processing as it is sent 1 day prior to your actual payment date. If you would have called instead of sending an email since the time frame was so short this could have all been avoided. We did in fact cancel your retainer agreement as you requested. Client satisfaction is our number 1 priority demonstrated by the over ***** 5 star reviews online. We wish you the best in your future.

  Customer Answer

  Date: 11/06/2023

   
  Complaint: 20818933
  
  I am rejecting this response because:
  
  I sent not only email, but also fax and cover, where even tho you claim satisfaction and pleased customers, your actions do not represent your claim. You stated you provided a quick response, yet the email is posted 7 days from my initial email (not 72 hrs), and where satisfaction is your goal you did not call the customer. If I had not persisted with this inquiry my account would still be drawn upon and I would not have been contacted by you.
  
  Sincerely,
  
  ************************

• Initial Complaint

  Date:10/27/2023

  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.

  Have asked 19 times between phone and email for a refund of the October 2nd payment. I was doubled billed. The also got my September 27/or 29th. I have not been able to afford to eat every day as the took a payment I could not afford to loose. I said if you can not refund the payment and skip the November payment I must cancel my debt consolidation program. I have not accepted the debt settlement of US Bank but they are trying to convince me to do it. I told them I only would settle anything after all interest and payments were first subtracted from the total. They told me I am skipping Nov. payment but I have not recieved anything in writing. I told them if they can not cancel the payment then they must refund my money and cancel the agreement. If they can not show me the refund being processed October 30th I am canceling the debt consolidation program. I have also filed a complaint the the ************************** The following reps have lied to me and said the October 2 payment was being refunded, *********, ********************* ext. 566, ********* ************************** ext. 454. I have also been contacted by ***************************, Arisd, ********* ***********************, ext. 540 and many more. This needs to be fixed yesterday.

  

  Business Response

  Date: 11/09/2023

  *****, we have issued your refund as your have been told on the numerous phone calls you have made into our office. Your file has been cancelled and this matter is closed with our office.