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:05/27/2025

  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.

  The company called me saying that they would have a loan to offer me. After a long time with the attendant on the phone, they informed me that the loan would not be possible, but that they could help me pay my credit card and loan debts. They informed me that it would affect my credit score, but that after the first payment, they would begin negotiations with the creditors. I had to contact the company because there were no updates on my account and I found out (only because I contacted them) that some creditors were not part of the program, in which I had already delayed payments. It really impacted my credit score, the creditors kept calling me saying that Cordoba never contacted them. Today, 05/27, I received an email with the signature of the contract (which I had already signed) and I was informed that they would only start negotiating payments after the 4th month. (I WAS NEVER INFORMED ABOUT THIS) ***************** each attendant gives different information. They ruined my credit (I had never been late on any payment). I request cancellation and also a refund of the installment paid.

  

  Business Response

  Date: 05/29/2025

  Thank you for sharing your concerns. We take all feedback seriously and are sorry to hear that your experience did not align with your expectations.

  
  To clarify, Cordoba Legal Group is not a lender and does not offer loans. This is explained during the initial consultation and reaffirmed in the recorded compliance call, which clients must complete and acknowledge prior to enrollment. The call also outlines important details about the program, including the potential impact on credit and that not all creditors may be eligible for inclusion.

  
  Our program is designed to negotiate and resolve unsecured debt through settlements, not immediate payment arrangements. While we do not guarantee a specific timeline, negotiations begin once sufficient funds have accumulated . This timeline can vary based on several factors.

  
  We attempted to contact you twice on May 27 and were grateful that you were able to call us back and speak with a member of our team. As discussed, your cancellation has been processed and your refund has been issued.

  
  We remain committed to providing clear communication and helpful support throughout the client experience. If you have any further questions, we are always available to assist.

• Initial Complaint

  Date:05/22/2025

  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 initially reached out after getting a mail advertisement for a personal loan to settle credit card debts, but was told upon the first meeting that with such high interest rates, it would be better for me to join their debt resolution program instead. I joined but later a combination of changing circumstances and finding out about the consequences of the program changed my thoughts about it and I *********** initial payment of $414.39 was supposed to be returned in full since it was held in escrow to start the program. Instead, I only got $321.54 back after my final cancellation call. I was told repeatedly (and seen in the contract clause linked) that the escrow would be returned in full if I cancelled the program at this stage. I have yet to receive any response from *** after I sent a support email requesting information on the missing escrow money.

  

  Business Response

  Date: 05/27/2025

  Thank you for reaching out and giving us the opportunity to address your concern.

  
  We understand the confusion regarding the difference between the amount you initially deposited and the amount refunded when you chose to cancel the program. Your original deposit of $414.39 was made to initiate the program. Upon cancellation, $321.54 was returned to you.

  
  To clarify, while we do not charge any fees for negotiating or obtaining a settlement unless a settlement is reached and accepted, there are other standard fees that apply while someone is active in the program. These include:
   - A $60 monthly program fee, which includes access to the legal services outlined in the signed retainer agreement.
   - A one-time $10.95 setup fee for establishing your Forth Pay account.
   - A monthly custodial fee charged by Forth Pay for maintaining your account.

  
  These fees are disclosed in the agreement signed at enrollment and accounted for the difference between the amount you paid and the amount refunded.

  
  After receiving your email, a member of our team contacted you directly to walk through the breakdown of these charges. As a courtesy, we also refunded the remaining difference between what you paid and what you expected to receive. During that conversation, you confirmed satisfaction with the outcome.

  
  We appreciate the opportunity to clarify this and assist with your request.

  Customer Answer

  Date: 05/28/2025

   
  Better Business Bureau:
  
  The business has contacted me and resolved the issue, as such this complaint is resolved.

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

• Initial Complaint

  Date:05/16/2025

  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.

  When I agreed to contract with this company, I was told that they would settle my debts for a fraction of the balance. I was current with all of my creditors, but had no money left for myself after paying bills. Per the contract, I paid $969 every month for over two years. My last payment is supposed to be in August (2025), but as we approach the end of the contract I've been served legal summons for two accounts, and I've been asked by this company to extend my contract by up to 10 months to cover multiple other unsettled debts. I've already agreed to six additional payments of $620 beyond the contract, and now they want more for another creditor. The attached document is the only documentation I have as to what was done with the money that I've paid, but it appears the majority of the debt will not be resolved by this August. Now the balances are higher than when I started, and if I don't agree to the extension of the contract (and unreasonable additional payments), I will be left to resolve this on my own. I don't want anyone else to be taken advantage of by this firm.

  

  Business Response

  Date: 05/22/2025

  Thank you for taking the time to speak with us recently. Were glad we had the opportunity to review your program in detail, including your payment history, remaining balance, program timeline, and the status of your enrolled accounts.

  Since enrolling, significant progress has been made in resolving many of your accounts. Given the number of debts involved, some have taken longer to address.

  
  We understand the concerns you've raised, especially regarding legal activity on one of your accounts. While we cannot prevent creditors from pursuing legal action, we want to reassure you that we provide the legal support needed for the duration of your time in the program. Weve received the documentation you submitted and have noted your request for assistance. As discussed, once you're ready, we will promptly connect you with our legal team to move forward.

  
  We remain committed to helping you reach resolution on your remaining accounts and are here to support you through every step of the process.

  Customer Answer

  Date: 05/23/2025

   
  Complaint: 23342737
  
  I am rejecting this response because:

  It's true that there were quite a few accounts placed in my contract with your organization two years ago, but they were all current at the time I became a client. The fact that I had too many credit cards was the sole reason for calling you, and I would argue that most of your clients come to you for the same reason. It should not be an excuse for what has happened.

  The number of accounts entrusted to you is irrelevant. My complaint is that I've paid $969.67 for two years believing you would settle the accounts for a fraction of what I owed. This is what was presented to me when I contracted with you. My contract ends in August and I've looked forward to a fresh start. Now, with only 3 payments left in my contract, I have two (not one) lawsuits against me for more than what I owed at the start of my contract, and less than half of my other accounts have been settled. You have not even come close to fulfilling your promises two years ago, and you expect me to extend my payments to you to address your failure.

  I have already agreed to 6 additional payments of $620 a month beyond the end of my contract. I will not agree to more. I don't trust you and I regret contracting with you.
  
  Sincerely,
  
  ******* ****

  

  Business Response

  Date: 05/28/2025

  Thank you for sharing your concerns. We understand your frustration and appreciate the opportunity to respond with clarity and respect for your experience.

  At the time of your enrollment, a 30 month plan was created based on an estimated settlement average of 40 percent of your enrolled debts. This estimate helped shape your programs monthly contribution schedule. As outlined in your agreement, some settlements may exceed this estimate and require your direct approval. You have been involved in approving those instances when higher settlement amounts were necessary.

  Your agreement also acknowledges that the funds accumulated through regular contributions may not always be sufficient to resolve all enrolled debts, especially when creditors decline lower settlement offers or balances increase due to interest and fees. In such cases, additional funding may be required to complete the resolution process.

  
  With respect to legal support, your program includes unlimited legal representation for all enrolled debts. If a creditor initiates legal action, our legal team steps in to represent you at no additional cost beyond your program contributions. You have already been connected with our legal team for your current legal matters, and that representation remains in place for any further needs that arise during your time in the program.

  We regret that the results to date have not met your expectations, and we recognize how discouraging that can feel. That said, we remain fully committed to working on your behalf and will continue to pursue the best possible outcomes on each of your remaining accounts. Our goal is to help you resolve these debts in a way that moves you closer to the resolution you are looking for.

  If you would like a full summary of your account progress, settlements achieved, and the current status of negotiations, we would be glad to provide that.

  Customer Answer

  Date: 05/28/2025

   
  Complaint: 23342737
  
  I am rejecting this response because:

  As anticipated, you are hiding behind statements in the written contract, and I accept that I likely have no legal resolution for the situation I now find myself in.  Regardless of what language you cleverly pull from the written contract, what was presented to me by your representative ***** at the time I enrolled was that my debts would be settled, that my credit score would gradually increase, and that I would have a fresh financial start by the end of my contract.  There was absolutely no discussion of the possibility that more than 50% of my debt would be unsettled at the end of the contract, and that I'd be required to extend the life of the contract well beyond 30 months to address the remaining debt.  You record conversations for quality and training purposes.  Pull the conversation that took place on the day I signed the contract to hear all of the empty promises that were made.  I trusted your organization.  You were advertised on *** and I believed what was presented to me when I called you.  As you stated in your response of excuses, you have not met my expectations at all.

  My goal in filing this complaint is to bring to the BBB's attention that your statements are misleading, if not lies.  I can only hope that they review my account details and the many complaints from other clients and launch an investigation into your business practices.  

  I am not interested in receiving any more of your excuses, but I know you are required to respond.  I have three regular payments of $969 on my original contract, and then six additional payments of $620 to address the lawsuit by ************  I look forward to ending all financial obligation to your firm.  However, I want to keep this complaint open, as I plan on submitting to the BBB exactly how much additional money is being requested in these final months, and how many accounts you fail to settle.  I want them to see the mess I am left with after 30 months with your organization.

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

• Initial Complaint

  Date:05/15/2025

  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.

  In October 2023, I was served with Declaration of Judgment forms related to a case with ************** I was advised by Cordoba Legal Group to take no action, as they assured me they would handle the matter on my behalf.Subsequently, I was served another set of documents and instructed to sign a Stipulated Judgment and return it to them, which I did promptly. Despite multiple follow-up calls and emails, they failed to file the documents with the court, repeatedly telling me not to worry and that they would take care of everything.On May 12, 2025, I was served with a Declaration Regarding Order to Show Cause Hearing due to their failure to submit the signed forms. As a result, I am now facing judgment and potential default on my account, after more than two years of relying on Cordoba Legal Group to properly manage and resolve this case.Additionally, throughout this time, Cordoba Legal Group has been automatically withdrawing monthly payments from my bank account. However, they have failed to provide clear information or documentation showing how these payments are being applied or where the money is going.

  

  Business Response

  Date: 05/22/2025

  Thank you for sharing your concerns, and we appreciate the opportunity to clarify the timeline and actions taken regarding your case.

  
  Your matter was referred to our legal partner on January 10, 2025, shortly after we received it at the end of December. An answer was filed promptly, and a settlement was reached on January 15, 2025. The necessary stipulation documents were sent to you on January 20, 2025, and we received your signed copy on March 11, 2025.

  
  We want to assure you that no default judgment has been entered in your case. While we understand that receiving further court documents caused concern, these were related to procedural follow-up and not a result of inaction. Like many legal proceedings in **********, filing timelines can be affected by administrative delays outside our control.

  
  Our team spoke with you on May 19, 2025, to review the situation in full. Were glad that during that conversation, you confirmed your understanding of the current status.

  
  Regarding your question about monthly payments, we are always available to provide detailed records upon request, and a complete transaction summary can be sent to you at any time to ensure transparency.

  
  At Cordoba Legal, we take our role as your advocate seriously and remain committed to providing clear communication and strong support throughout your program. Please dont hesitate to reach out if you need any additional assistance or documentation moving forward.

• Initial Complaint

  Date:05/13/2025

  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.

  Jan 2025, my wife and I signed up to Cordoba. The *** told me that all my accounts would be settled in 4 to 6 mo. They discouraged me from getting a consolidation loan. He said our credit scores, which was 720, would go down marginally, but go right back up again after all my accounts were settled. He told me that there was interest, like there are on loans. He made no mention of the 25% fees for their services. We were told, that we would paying $648.03 a mo for 60 mo, and Cordoba would be paying my debts. After 3 mo my wife and my credit scores dropped 152 points, and only two out of 13 or 14 accounts were settled. In March 2025 a the *** told me that they were making settlements and paying payments on what's left with the money I was giving them, and not paying them off as I was told. The *** confirmed it was not be done in 4 to 6 months, and apologized for the misinformation I was given. I cancelled my account, and I asked for my money back and was only given more apologies. When I cancelled I was told the issue was escalated twice, but I never got calls. Two accounts were settled for 50%, but I am paying payment to pay the rest myself. The reason why I am asking for a refund is because I would have never signed up for Cordoba group services if I was told the truth about how they operate. I had excellent credit and I was only looking to make one payment instead of 14. Cordoba was just drawing out my payments over years to partially settled accounts. Our credit scores have been severely damaged, going for 720 to 568. This was not what I was told was going to happen.Not to mention the $4000 I had to pay for 3 months of payments, while I try to get my credit score back up so I can get a reasonable interest rate for a loan. I can't get that back money. But I am looking for compensation of for the droppage of our credit scores by refunding my 3 monthly payments of $1944, since I was given untrue information to sign up with Cordoba.

  

  Business Response

  Date: 05/22/2025

  Thank you for your feedback and for the opportunity to respond. We're sorry to hear about your experience and appreciate the chance to clarify how our program operates and the actions weve taken on your behalf.

  
  When clients enroll with Cordoba Legal, we conduct a detailed compliance call where every aspect of the program is reviewed. This includes how the program works, the potential impact on credit, the fee structure, and the fact that Cordoba does not make payments directly to creditors. Clients confirm their understanding and agreement to each item during this recorded call.

  
  Your program was structured as a 60-month plan based on the total amount of debt enrolled. While we understand the desire for faster resolution, each negotiation must be approached individually and strategically. Our team begins working as funds accumulate in your dedicated Forth Pay account, which remains fully accessible and controlled by you. In your case, two settlements were reached within the first three months, reflecting the urgency with which we work on behalf of our clients.

  
  Following your BBB submission, we made several attempts to reach you to further discuss your concerns and offer support. While we were unsuccessful in connecting, we want to demonstrate our commitment to fair and transparent service. As a sign of good faith, **** issued a full refund for all funds paid into the program that had not already been disbursed to an enrolled creditor.

  
  Were sincerely sorry that your experience did not meet your expectations and wish you the very best in your financial journey. If you wish to discuss this further, we would welcome a call at your convenience.
  

  Customer Answer

  Date: 06/03/2025

   
  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.
  
  Sincerely,
  
  Pastor **** ******* And *** *******

• Initial Complaint

  Date:05/05/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In 2023 I incurred a very large tax debt. I spoke to another agency which said they could only handle federal but not state, ******** was hard to deal with. They wanted $9000, after I paid them I spoke to Cordoba. They said they could handle the federal and state. They also stated they could help me with my credit card debts. They also wanted $9000 and I could make payments. I spoke to the other company and they returned a portion of my money. I signed with Cordoba and started making payments. ******* had told me that any time I get any correspondence pertaining to my Debt to send it to them. I started getting messages from the government, threatening to put a levy on my home. I sent Cordoba every one. I also called them each time and told them I was concerned and each time they told me the same thing, not to worry about it. The last letter I got from the government really scared me. I sent it to them and again called them. Now theyre saying they dont handle tax debts only unsecured debts. I explained to them that that was why I called them in the first place. I couldnt get anywhere with this person and they were hard to understand ,so I hung up and called back. I spoke to someone else. He told me the same thing. I asked to speak to someone higher up in the company. I could not get anywhere with them. I finally got ahold of someone from the government who told me theres already a levy on my home and my property. I am very scared. I could lose my home and my property because of this. I would not have paid $9000 to resolve my unsecured debts that probably did not amount to more than $15,000. Now my credit which was very high is now also ruined.

  

  Business Response

  Date: 05/05/2025

  It is important to clarify that Cordoba Legal Group was retained in February 2025 to assist with unsecured debts only. This is explicitly stated in the retainer agreement, which does not include federal or state tax debts. Our services are designed specifically to assist individuals facing financial hardship in resolving unsecured obligations such as credit card debt, medical bills, or personal loans.
  
  As outlined in both our agreement and the Exhibit A that was signed, no tax debtsfederal or statewere included. In addition, during the verification call that took place prior to the finalization of your plan, you acknowledged on a recorded line that you understood the scope of our services and that Cordoba Legal Group does not loan money or pay creditors on a monthly basis.
  
  We understand from your complaint that there may have been a misunderstanding regarding the types of debts we could assist with. However, the documentation and the recorded verification call confirm that our firm made no representation that we would resolve tax liabilities. While our team asks clients to forward all debt-related correspondence, this does not imply we are taking action on items outside the scope of representationsuch as tax-related matters.
  
  When you contacted our firm with concerns about government correspondence, our team responded and reiterated that tax debts fall outside the services we provide. We regret that this caused you distress, but we must reinforce that this position aligns with what was agreed to in writing and verbally during the intake process.

  The $2,000 the other company did not refund you is not the responsibility of Cordoba Legal Group.

• Initial Complaint

  Date:04/22/2025

  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.

  My services with Cordoba Legal Group began on 01/02/2024 after they promised to resolve my debts by negotiating lower interest rates, reducing payments, and improving my credit. I was told they had established creditor relationships, which I trusted in good faith. As a consumer over 50, I was led to sign over Power of Attorney, believing it was required for them to act on my behalf. This gave them access to my sensitive personal and financial information, leaving me feeling vulnerable.Cordoba withdraws $488.16 monthly, totaling $1,952.64 as of 04/2024. Despite this, only one account was negotiated, with errors in the payoff. My credit score dropped from 700 to 500, and my cards were frozen, worsening my financial hardship.When I tried to cancel, Cordoba sent a retainer instead. They denied being a credit repair service and avoided clear answers. I now fear they will continue to withdraw funds until 2029an unreasonable timeline for a debt resolution program. I feel misled and in a worse position than when I started.Requested Resolution:Immediate cancellation of all services Stop all future withdrawals after 05/07/2024 Full accounting of how funds were used Written confirmation revoking Power of Attorney and deleting my data Refund of unused funds and fees charged in bad faith ******* and acknowledgment of misrepresentation

  

  Business Response

  Date: 05/01/2025

  Cordoba Legal Group is a legitimate law firm that provides legal representation for debt resolution services. We do not provide credit repair services, nor do we negotiate interest rates with creditors, and this is made clear multiple times before any agreement is signed. These details are outlined in the retainer agreement, which you signed, and were also confirmed by you during recorded calls prior to retaining the firm.
  
  At no point were you advised to stop making payments; however, the legal process is designed for individuals who are already behind or unable to continue making payments to creditors, and we are clear about the potential impact on credit as part of this process. You acknowledged during intake that your credit could be negatively affected. The Power of Attorney you referenced is a standard legal requirement that allows our attorneys to communicate with creditors on your behalf and was signed voluntarily.
  
  Cordoba Legal Groups fees are performance-based, meaning we only take a fee when a resolution is achieved, and no unearned fees are collected. All funds youve deposited go into a third-party account under your name, which you control, and are used solely for paying creditors and applicable fees after successful resolutions.
  
  In your case, we have already achieved a resolution with *****, and you have communicated with our staff about making one final payment in May to complete this resolution, after which your file will be closed and no further withdrawals will occur.
  
  The retainer agreement you referenced is not a new contract but a copy provided upon your request to understand the services you retained. We will provide a full accounting of funds, written confirmation revoking Power of Attorney, and documentation confirming closure of your file once the final payment is processed. Our team will be in touch to ensure all of your remaining concerns are addressed.

  Customer Answer

  Date: 05/10/2025

  The information is not true.  Cordoba Legal did tell me to stop making payments.  They did specify that they would make the payments on my behalf and asked me to provide them with Power of Attorney so that they can manage my accounts.  I provided them with power of attorney.  They collected my money from my bank account each month in the amount as I specified in my original report.  None of this money was paid to any of my creditors.  Including the debt that they supposedly settled with ***** Account.  As of today May 10th the account ***** account still has a balance.  When I called I could not access my account to pay it, because the zip code is no longer my zip code.  So even if I wanted to pay the account I can't access anything over the phone, not sure what address is being used.  When I accessed the Cordoba account that I was assigned there was no money in the account to pay my creditors and the amount looks like 4 payments were made when none were paid

   

  Customer Answer

  Date: 05/10/2025

  I am not understanding the response provided by Cordoba Legal. Please see the following message that I provided to Cordoba Legal Services today:

   

  Dear Cordoba Legal Team,
  I hope this message finds you well.
  I am reaching out to formally request documentation and clarification regarding the payments associated with my account. There are several inconsistencies between the information shown on the web applicant portal and the actual statements and transactions. Specifically:
  The portal does not reflect clear transaction dates or amounts.
  The statements and transaction history do not align with what has been communicated.
  I am currently speaking with Geudy,( 5/10/2025)  who is working to obtain proof of payment and has indicated that a transaction to complete the payoff will occur on May 12th when you completed another ACH taking over $450 out of my account on May 7th. However, when I contacted *****, they informed me that $2,100 is still owed, which contradicts the information provided by Cordoba.
  

  To move forward, I respectfully request:
  1. Full documentation of all payments made through Cordoba Legal, including dates, amounts, and confirmation numbers. (because on the portal it shows $10.95 payments made)

  
  2. A detailed statement showing current balances and payment history negotiated and implemented

  
  3. Clarification on the discrepancy with Chases records.

  
  4. A copy of the Power of Attorney returned to me so I can resume managing and making payments on the remaining accounts.

  I requested that these documents be emailed to me before, but was told that I had access to this information on the web portal. But clearly the web portal is inaccurate or not showing what was and is being communicated to me by Cordoba representatives on the phone.

  
  Additionally, I would like to address a serious concern regarding my credit card with **** ****** *****. When I entered this program, my credit score was approximately 700. I was advised by Cordoba Legal to stop making payments to my creditors, and as a result, my score has dropped to around 550.
  I have since learned that Cordoba Legal stated to the Better Business Bureau that I was not advised to stop payments, which directly contradicts my experience. I was also led to believe that negotiations would be made to lower my interest rates, not to close my credit accounts entirely.
  

  Due to the account being closed, I now lack access to the credit card for emergency use, and if I were to reapply, I would face significantly higher interest rates due to the damage to my credit scoredamage caused by following the advice I received from Cordoba Legal.
  This has placed me in a difficult position, and I am seeking transparency, accountability, and a plan to help resolve the current issues.
  Thank you for your immediate attention to this matter. I look forward to your prompt response.

  Customer Answer

  Date: 05/13/2025

   
  Complaint: 23237986
  
  

  
  

  I am not understanding the response provided by Cordoba Legal. Please see the following message that I provided to Cordoba Legal Services today:

   

  Dear Cordoba Legal Team,
  I hope this message finds you well.
  I am reaching out to formally request documentation and clarification regarding the payments associated with my account. There are several inconsistencies between the information shown on the web applicant portal and the actual statements and transactions. Specifically:
  The portal does not reflect clear transaction dates or amounts.
  The statements and transaction history do not align with what has been communicated.
  I am currently speaking with Geudy,( 5/10/2025)  who is working to obtain proof of payment and has indicated that a transaction to complete the payoff will occur on May 12th when you completed another ACH taking over $450 out of my account on May 7th. However, when I contacted *****, they informed me that $2,100 is still owed, which contradicts the information provided by Cordoba.
  

  To move forward, I respectfully request:
  1. Full documentation of all payments made through Cordoba Legal, including dates, amounts, and confirmation numbers. (because on the portal it shows $10.95 payments made)

  
  2. A detailed statement showing current balances and payment history negotiated and implemented

  
  3. Clarification on the discrepancy with Chases records.

  
  4. A copy of the Power of Attorney returned to me so I can resume managing and making payments on the remaining accounts.

  I requested that these documents be emailed to me before, but was told that I had access to this information on the web portal. But clearly the web portal is inaccurate or not showing what was and is being communicated to me by Cordoba representatives on the phone.

  
  Additionally, I would like to address a serious concern regarding my credit card with **** ****** *****. When I entered this program, my credit score was approximately 700. I was advised by Cordoba Legal to stop making payments to my creditors, and as a result, my score has dropped to around 550.
  I have since learned that Cordoba Legal stated to the Better Business Bureau that I was not advised to stop payments, which directly contradicts my experience. I was also led to believe that negotiations would be made to lower my interest rates, not to close my credit accounts entirely.
  

  Due to the account being closed, I now lack access to the credit card for emergency use, and if I were to reapply, I would face significantly higher interest rates due to the damage to my credit scoredamage caused by following the advice I received from Cordoba Legal.
  This has placed me in a difficult position, and I am seeking transparency, accountability, and a plan to help resolve the current issues.
  Thank you for your immediate attention to this matter. I look forward to your prompt response.

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

  

  Business Response

  Date: 05/22/2025

  Thank you again for reaching out and allowing us the opportunity to address your concerns in greater detail. We understand how important it is to have clear and accurate information regarding your account, and we appreciate your patience as we worked through the matter together.

  
  Following your recent message, our team connected with you directly to go over your concerns. During that conversation, we discussed the discrepancies you noted in the portal, your request for detailed payment documentation, and the communication regarding your creditor accounts. We confirmed that:
   - A full transaction summary was provided to you for your records.
   - Proof of creditor payments is being finalized and will be sent to you as requested.
   - Once those documents are sent, your account will proceed with cancellation, as you have requested.
  

  We were glad to hear during our conversation that the information shared helped to clarify the questions you had, and that you expressed satisfaction with the resolution provided.

  
  We are committed to delivering transparency, responsive service, and ongoing improvements to the client experience. Should you need anything further, please dont hesitate to reach back out, our team is here to help.

• Initial Complaint

  Date:04/15/2025

  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 sent them my final payment, which was$ 3, 457 .I wired it to them then after I sent the money they asked me for more money I specifically asked him is this all I had to pay and he said yes, this ceo of the company says they have ethical objective and diligent representation for their clients but it's about a money grab. they wanted another $25, I've been with this company for 4 years and they sucked me dry .I signed a contract with them before for a settlement and they voided it stating that the company changed their minds they don't communicate with you there representative tell you one thing, then they tell you something else and it's a constant thing.and I am sick of it.

  

  Business Response

  Date: 04/28/2025

  Thank you for sharing your concerns regarding your experience with Cordoba Legal Group. We would like to provide clarification and context regarding the matters you raised.
  
  First, it is important to address the $25 fee you referenced. This fee is not a fee charged by Cordoba Legal Group. Your funds are held in a third-party bank account that is established in your name, and the $25 fee was charged by the bank handling your account, as outlined in the agreement you signed with them. This is standard practice across financial institutions, as many banks apply an incoming wire transfer fee. Cordoba Legal Group does not control these bank fees, and it is inaccurate to characterize this as a money grab. Additionally, in light of the fact that you were not made aware of the incoming wire fee beforehand, we have spoken with the bank and they agreed to refund the $25 to your account.
  
  Regarding your concern about payments and communications: Cordoba Legal Group operates on a performance-based fee structure. This means we only collect fees once resolutions have been successfully achieved, as outlined in your personalized plan. Our fees do not change unless there is a modification to your enrolled debts, such as adding or removing accounts during the process. At no point are unearned fees collected.
  
  In addition, we would like to clarify that while we work diligently to secure resolutions based on agreements made with creditors, there are circumstances where a creditor may rescind an offer before final documentation is received, which can require revisiting terms. This dynamic is outside of our control but is addressed transparently throughout the process. Our team is committed to maintaining communication and ensuring that clients are informed at each step. We regret if your experience felt inconsistent, and we take this feedback seriously.
  
  Finally, we want to emphasize that Cordoba Legal Group is a legitimate law firm, committed to providing ethical, objective, and diligent representation to all of our clients. Our mission is to assist clients facing financial hardship with professionalism and integrity.
  
  Our team will be reaching out to you directly to answer any further questions and ensure that all matters are fully resolved.

• Initial Complaint

  Date:04/11/2025

  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.

  In June of 2024 I canceled my account. I made payments to Cordoba in the amount of $7409.92 and to my knowledge no negotiations resulted in payments to my credit card companies. My accounts have been charged off or will be charged off shortly. Several times I requested a written accounting of my funds deposited with Cordoba with no response.

  

  Business Response

  Date: 04/16/2025

  Cordoba Legal Group has reviewed the complaint and would like to address the concerns raised. The client was active on a personalized plan for approximately seven months and during that time deposited a total of $7,409.92 into her dedicated third-party account. From those funds, $3,324.78 was used toward a resolution with Amazon, which was negotiated at 50% of the balance and was authorized by the client on February 1, 2024. This was the only resolution achieved during her time with the firm, and it was processed as instructed.
  
  The client canceled her account via email on May 6, 2024, nearly a year ago, and requested a status update on her accounts at that time. The team attempted to contact her by phone twice to provide that update, but after she confirmed in writing that she no longer authorized any further withdrawals, her account was closed as requested. There were no further charges to her account after that point.
  
  Since the submission of the BBB complaint, the firm has made three attempts to contact the client to provide any further clarification she may need, but none of those calls have been answered or returned. Cordoba Legal Group remains available to speak with the client and provide a full accounting of funds and actions taken during her time on the plan.

  Customer Answer

  Date: 05/01/2025

   
  Complaint: 23193781
  
  I am rejecting this response because:

  I have repeatedly requested a written account of utilization of the money paid for my records and requested that they cease calling me. I have never received an emailed or mailed statement of account or confirmation of account closure. The business has my email and physical address. 
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:04/10/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I hired this company after watching a TV ad, and I thought they would be a good fit to help me with my credit card debt. After reaching out to them in April 2024, they explained to me that I was able to consolidate all 9 cards and pay $312.44 for ******************************************************** collections and no cards have been fully paid. They are constantly calling me requesting money from me after they have already taken out the payment due every month. I need to get out of this agreement but I do fear retribution from them. I am a senior citizen who lives on a fixed income and cannot afford to deal with all this. Please help, I want to block them from taking the monthly payments out of my account.

  

  Business Response

  Date: 04/16/2025

  Cordoba Legal Group has reviewed the concerns raised and would like to provide clarification based on the clients file. Since the complaint was submitted, we have made three attempts to contact the client by phone, but there has been no answer or returned call. The client initially enrolled 10 accounts into their personalized plan, and we have successfully reached resolutions on 7 of them, with 4 already paid in full. The average resolution percentage across those accounts is *****%, meaning creditors have agreed to accept significantly less than the full balances to resolve the debts. Regarding the mention of being asked for additional funds, we reviewed the call referenced from January and found no issues or signs of dissatisfaction. At that time, the client was asked to add a total of $20 to their account to move forward with a resolution. More recently, we attempted to contact the client about another resolution opportunity that would have required available funds, but the client did not respond and the offer expired. Its also important to note that all client funds are held in a third-party account under the clients name, which the client has full control over. Cordoba Legal Group only takes a fee when a result is achieved, in accordance with the performance-based structure outlined in the agreement. There are no fees to set up the account. We want to reassure the client that Cordoba Legal Group is a legitimate law firm and would never engage in retaliation of any kind. The team will continue attempting to contact the client to address any outstanding questions and to ensure all matters are resolved appropriately.