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:05/30/2025

  Type:Billing Issues
  Status:

  UnansweredMore 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.

  *** agreement which began June 24, 2024 was to negotiate with ****** creditor to reduce the weekly payments or a final payoff amount which would have been lower than originally stated. The agreement was to take 20% of the payment for doing this. I was told only 20% of each payment amount would go to them, leaving the remaining balance left for negotiation to the creditor. I have paid over $30,000 to this company and when I checked the bank account the negotiation money was supposed to go to, it was only $3821 there! They took EVERY dime of the money for their fees and legal fees even though a lawyer NEVER represented me on anything. I have been charged $8193.10 for legal fees that have never been utilized. In addition, they took $16,386.20 for their fees and additional $706.49 in bank fees in which no negotiation or settlement was done on my behalf.

• Initial Complaint

  Date:05/27/2025

  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.

  I was told by their staff via email that I would always have access and control over the escrow account after paying my retainer to the company. I paid in $24k and had roughly $3600 in my escrow account when I discontinued the program. They removed the balance in its entirety and claimed it was for fees when I couldnt continue with their program because my business had gone under. They were supposed to be helpful and I regret ever doing business with them. Theyve taken everything.

  Business Response

  Date: 05/29/2025

  I'm truly sorry to hear that you feel this way. I understand how difficult this situation must be, especially given the challenges your business has faced.
  However, Id like to clarify that we provided assistance throughout the two lawsuits filed against you, and the balance of approximately $3,600 was allocated toward legal fees, as outlined in the agreement you signed. The contract you entered into was transparent and clearly explained how funds in the escrow account would be handled, including fee allocations.
  Please also keep in mind that this matter occurred over two years ago. While we empathize with your circumstances, we made multiple efforts to maintain open and constructive communication during that time but did not receive a response.
  We regret that you feel dissatisfied, but we stand by the work we did on your behalf and the terms that were mutually agreed upon.

• Initial Complaint

  Date:05/02/2025

  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 only unrealistic aspect of this situation is MCA Resolve's promise to manage my creditors. However, MCE Resolve primarily focuses on collecting money from businesses without genuinely fulfilling that promise, which makes this agreement impractical. I would be better off negotiating directly with my creditors. It seems that MCE Resolve operates in a way that profits from struggling businesses by having them sign a questionable debt relief agreement through DocuSign.What has MCE Resolve done for ************************ since the first payment of $1,404.10 on April 1, 2025? Since then, I have paid over $7,000.00 and have received nothing in return. Once again, taxation without representation is unacceptable. A refund is ****** NOT ACQUIRE *** RESLOVE SERVICES. YOU WILL BE SCAMMED!

  Business Response

  Date: 05/29/2025

  We would like to clarify a few important points regarding your enrollment with MCA Resolve and the services provided.
  First, its important to recognize that MCA Resolve does not claim to immediately resolve all creditor issues upon enrollment. As outlined in the agreement you signed via ********, your program was structured as an 18-month plan designed to develop a comprehensive strategy, retain legal support, and ultimately negotiate favorable outcomes with your creditors based on the plan allocated for you from the hardship you disclosed. These efforts are not instantaneous but are initiated well before any settlements occur.
  Since your enrollment on April 1, 2025, our team has conducted a thorough review of your financial obligations, created a tailored action plan, and allocated legal resources to assist you throughout the process. These early-stage services are a fundamental and necessary part of your program.
  Regarding your request for a refund, we must reiterate that all fees are non-refundable, as clearly stated in your signed agreement. These fees support the administrative, legal, and strategic groundwork that begins immediately upon enrollment.
  While you have suggested negotiating directly with creditors, the techniques and leverage you now have are part of the approach weve developed for your situation. If you choose to proceed independently, we respect that decision, but it does not negate the services we have already rendered.
  We remain committed to helping you navigate this process and are happy to continue providing support if you decide to stay in the program. 

• Initial Complaint

  Date:03/27/2025

  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 hired MCA resolve to handle 2 MCAs I was behind on. We started contracting in July of 2023. I started paying then $6@ a month for several months then lowered it to $4k a month. After paying them for almost a full year I was shocked to see my escrow fund has just 13k in it. Please be aware this company front loads all its fees. On top of that they require wellly payments that result in hundreds of dollars of additional fees monthly It took them over a year to settle my first McA which was 46k. With their fees attached I ended up paying the full amount of the loan I had a b additional loan amount of 89k to settle and was badgering t thhem to set up a payment plan. They were not above to get any reasonable monthly payout started to settle. Even though I was paying them 4k a month I have now heard from their legal team that they have received a judgment against my company for the full amount plus nearly 20K in fees. All in all I have paid tens of thousands to Mca resolve and ended up owing the entire amounts of my loans. This has been an awful experience and please look elsewhere for help With your situation. This is not a company I would ever recommend or work wirh again. They made out like bandits while the business owner gerr stuck with all the bills

  Business Response

  Date: 04/09/2025

  Wed like to clarify a few key points regarding your enrollment and program experience.
  You enrolled in a 17-month program and immediately requested to lower your weekly payments upon entering. This significantly extended the duration of your program and impacted the pace at which settlements could be negotiated.
  Despite your claim that youve not heard from our legal team, we have contacted you regularlytypically on a weekly basis. Additionally, you were assigned an attorney who represented you in court proceedings and engaged in negotiations on your behalf.
  Its important to understand that MCA Resolve, like many resolution firms, front-loads fees to cover the intensive legal and negotiation work that occurs early in the program. These fees are disclosed clearly in our agreement. While we understand your frustration regarding the escrow balance and the timeline of your settlements, the reduced weekly contributions you selected had a direct impact on the funding pace and the ability to secure favorable outcomes.
  Furthermore, the delay in settling your second MCA was due in part to the limited flexibility of the creditor and the payment plan options available based on your financial disclosures. Our legal team worked diligently to avoid judgment, but unfortunately, without timely settlement funds or creditor cooperation, court action became a risk.
  Were sorry to hear that you feel the experience didnt meet your expectations. However, our team made consistent efforts to resolve your accounts within the constraints of your payment schedule and the creditors demands.

  Customer Answer

  Date: 04/09/2025

   
  Complaint: 23125125
  
  I am rejecting this response because:
  

  ibwas told by the lead negotiator that all I have ti do is continue to pay $1000 a week and the settlement will come in time at 70%   
  

  I repeat rely asked to come up with terms before they got a settlement and *** never put a single offer together  for me to approve   
  

  They gave me no warning rhat the *** would give going t for the fulll amour my plus $18kn in legal fees  

   

  the *** was able to get a judgmennt including all fees     This was a choice to me as a client who did everything invited to realize the matter amicably 

   

  I would want n anyone considering MCA resolve to take the *** business elsewhere or risk ending up in the same position 

   

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

  Customer Answer

  Date: 05/06/2025

  This company is ripping people off.   Their lawyer Has no legal office to practice in *** 
  

  they left me with the entire debt unsettled.   And I am now paying additional interest to the creditor as they ruled against their lawyer for belligerence.  
  

  you are supporting a predatory business by closing thiis complaint 

• Initial Complaint

  Date:03/19/2025

  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 ENTERED A CONTRACT WITH MCA RESOLVE TO PAY OFF A MERCHANT CASH ADVANCE ****.I PAID THE COMPANY A TOTAL OF $19,579; THE CONTRACT STATES ONLY $7,714 OF THAT AMOUNT IS NON-REFUNDABLE.THE CREDITOR REFUSED IN WRITING TO NEGOTIATE THE **** WITH MCA RESOLVE.I WAS TOLD TO CONTACT THE CREDITOR DIRECTLY TO BEGIN NEGOTIATIONS.I RESOLVED THE **** WITH MY CREDITOR DIRECTLY.MCA RESOLVE IS NOW REFUSING TO REFUND MY MONEY INCLUDING THE SETTLEMENT ACCOUNT AND UNUSED RETAINER.I AM OWED *********

  Business Response

  Date: 04/09/2025

  We must reiterate that refunds are not issued as per the terms of the agreement you signed with MCA Resolve. The fees are applied toward strategic planning, account servicing, administrative efforts, and other professional services rendered during your time in the program.
  Additionally, we provided you with access to legal representation through our network of attorneys who were available to assist in negotiating with your creditor. You declined that option and chose to settle the matter independently.
  As clearly outlined on page 1 of your agreement, enrollment in our program constitutes acceptance of feeseven in cases where a client resolves their debt on their ownbecause our team has already delivered the strategy, resources, and services necessary to position you for resolution.
  We are confident that all services promised under the agreement were fulfilled in good faith and in accordance with the contract. If you would like to review the terms again, we are happy to provide a copy for your reference.

• Initial Complaint

  Date:03/11/2025

  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 August 2024 I contacted MCA resolved to assist in a consolidation and repayment, structured for Main Street financial as well as legal protection from any I was to make deposits weekly after making initial fees and did this until my business was not making money anymore, and I requested an or Decrease in my payment Based off of what the company was currently bringing in. I was told that no additional arrangements could be made. I then took it upon myself to look at the escrow account where the funds Would be held until my settlement was made. MCA resolve withdrew all money as soon as it was deposited from my business account out of the escrow. *** paid over $11,000 to this company and they stole it by removing it from the escrow account established and not resolving judgments filed which froze accounts that were to be used to make payments to MCA resolve for their services. This place is a scam at best and they need to return all monies paid. Below please see a letter that I have written to them and also filing this complaint with the Better Business Bureau so that this doesnt happen to anyone else.******* ********* and ***** **** with MCA resolve have basically told me that I have lost/ forfeited all monies paid in, and even scolded me for contacting SAS where the escrow was held whenever I discovered there was a zero balance in this account. Hello,I am writing to request that you refund all monies sent for debt resolution processes to me immediately and close my account. There were no services provided, other than taking my money from my account, depositing it into escrow and then removing it from escrow almost instantaneously. I demand a refund or i will take this to the attorney general and better business bureau. Sincerely, April Day ************ **********************

  Business Response

  Date: 03/14/2025

  I wanted to clarify your enrollment details and payment status. You enrolled in August 2024 due to hardship, as you were previously paying around $3,000 weekly to your lender and could no longer afford it. We provided an initial savings of almost half that amount.
  As outlined in your contract, legal coverage is not available if you miss two or more payments. You made a total of eight payments, four of which were rejected, and more than half were adjusted due to your circumstances. Unfortunately, we cannot continue covering your legal expenses unless you maintain active status in the program. We were unable to settle your debt as you did not commit to the payments outlined in the program, despite our assistance in lowering and deferring your payments.

  Customer Answer

  Date: 03/14/2025

   
  Complaint: 23049266
  
  I am rejecting this response because:
  
  There is no reason for you to accept to pause the payments due to natural disasters and then state we had 2.5 payments remaining and then cancel it out when this was agreed upon. Additionally, there isnt an answer to what was done about the money removed from Escrow. 
  please see the attached photos for proof of your action, which is breaching the contract.

  Also, with 2.5 payments remaining you informed me that I would need to re-enroll and would be charged an astronomical fee to do so. We had legal involvement and you were not representing us as we should have been. Customers were illegally served, as stated in the photos, arrangements would be made, then when I found out about the monies being removed you cancelled my account. 
  
  Not Good. 
  

  Please refund monies paid into escrow due to your negligence to provide representation and unauthorized withdrawals from my escrow. 
  
  Sincerely,
  Elevated Contracting Solutions 3D

  Business Response

  Date: 04/09/2025

  Dear Ms. ************* you for your message. I want to address the concerns you've raised regarding your payment schedule and the services provided by MCA Resolve.
  First, I want to clarify that the reason for the termination of your enrollment was due to missed paymentsmore than half of the scheduled payments were not made, which left us no choice but to suspend our services. We fully understand that your business was struggling financially, and we recognize that this can be a challenging situation. In fact, we spoke with you several times as you reached out to us, expressing interest in re-enrolling,but unfortunately, at those times, you were unable to continue due to your financial situation.
  It's important to highlight that we made every effort to assist you within the scope of our agreement. When you initially reached out in August 2024, we set up a repayment plan with structured fees to help you resolve your debts. We even provided legal protection during this process. However, as you encountered further financial hardship, you requested a reduction in your payments, which we regretfully could not accommodate at that time.
  While you did express concerns about the escrow account and the withdrawals, please understand that these actions were a direct result of the missed payments. The funds were withdrawn as part of the scheduled payment plan, and we were unable to proceed with your debt resolution as expected due to the interruptions in payments.
  We genuinely want to help you, and once your financial situation stabilizes, we are more than happy to revisit your case. If and when you are able to resume your payments, we can re-enroll you in the program, and we can begin fresh negotiations on how best to move forward.
  Throughout our relationship, we have worked diligently to offer you support and resources, and we regret that the financial challenges your business faced hindered progress. Please understand that our intent was always to help you through this process.

  Customer Answer

  Date: 04/12/2025

   
  Complaint: 23049266
  
  I am rejecting this response because:
  I am still waiting for response that is valid. 
  Sincerely,
  
  April Day

  Customer Answer

  Date: 04/12/2025

  The coverage for legal services was not performed. Contractors received notices stating that they were to pay directly to them and not to us for job completions. This contractor no longer works with us due to this situation- we have lost thousands of dollars, not only in work related contracts but also in the field due to the actions of Original Creditor serving papers/subpoenas on companies we had contracts with which made it difficult to pay. 
  Additionally, our accounts were frozen, and remain frozen with over 10k due to the negligence to uphold your end of the contract. 
  again, money being paid, was then noticed to be removed from escrow account by ***. Money that could have been used to negotiate. Instead, we begged for assistance, payments were missed due to frozen accounts. How are we to pay with frozen accounts?

  Please refund monies removed from escrow by MCA Immediately. 

• Initial Complaint

  Date:01/31/2025

  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 broker is a scam if only I had read about them before going into trade with them. ?? they keep telling me to deposit more of my funds.. After I read about them and concluded and decided to reach out to Mrs. ****** after I read so many reviews on how She has helped a lot of victims. Well, I am glad ****** was able to help me recover my money. You can get in touch with them on their company mail Email: harperjamesplatform @ g mail com

  Business Response

  Date: 02/05/2025

  We have no record of this individual as a client, nor have we ever had any association with them. It appears this is a scam intended to promote their business.

• Initial Complaint

  Date:01/28/2025

  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 was advised my ***** ****** at MCA Resolve that they could help me pay off my finance amount with Skyinance alot faster and save on the interest. I set up with them to pull out of my account weekly. I kept asking them to find out what we needed to do to pay Skyinance off. ********* had put a lien on two of my companies commissions that I get monthly. I talked to *** at MCA resolve about getting me a settlement and that is when I started wondering about them. He kept telling me he contacted Skyinance and they said I still owed over $63,000 and that took into effect all that I had paid and was on hold for. I knew this could not be correct. I decided to call *** at ********* today. He advised me that MCA Resolve had not called him at all and had sent him any money, that I had been scammed. I am a 69 year old woman that has worked all her life and just found out I have pre-cancer colon. My husband is disabled and has been for 10 years.I need this money back in order to clear my business with Skyinance. I guess I trusted these people too much. Can you help me? I have had my bank to stop any further drafts from coming thru.

  Business Response

  Date: 02/07/2025

  We kindly request the removal of a BBB review related to *** *******. The matter has been fully resolved in-house, and we would appreciate your assistance in closing and removing the review.
  Please let us know if any further action is required on our end. Thank you for your time and support.
  Best regards,

• Initial Complaint

  Date:11/21/2024

  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.

  I signed up with this company August 2024 to help get some relief with debt. They sent me a contract that outlined what they would be able to settle my debt for and their fees. Everything seemed reasonable in the beginning. However, as the months passed and I checked the escrow account I noticed that there were a lot more fees being taken than what were mentioned in the contract. I also received a call from my *** and she stated that they will need to extend my payments past the end date of December 1, 2024. Something didnt seem right to me. Once I reviewed the account and contract deeper I noticed that I am paying much more than what was in the contract and unfortunately more that my initial debt. I then called my *** and sent an email to stop any drafts and remove me from the program and refund the balance in the escrow account. My *** responded and stated that she will stop payments and send a document for me to sign to have the escrow account balance refunded. Its now been a week and I have not heard anything from her and I have sent multiple emails and made several phone calls with no call back. This company is predatory and is only out to take your money and place you into further debt.

  Business Response

  Date: 12/09/2024

  Dear *******,
  As outlined in the contract attached to your BBB complaint, the figures provided upon enrollment were clearly stated as estimates. We strive for transparency, and as noted on page 8 of the contract, the fees allocated to your account were explicitly detailed when you initially signed the agreement.
  You enrolled in a four-month program, and we fulfilled our commitment by negotiating a settlement with your lender as agreed. Unfortunately, you chose to decline the proposed settlement. Please understand that we completed the work you hired us to do, and we provided you with a good-faith resolution that aligns with the terms of your contract.
  At this point, there is no further action we can take if the settlement offer is not accepted.

  Business Response

  Date: 12/26/2024

  *******
  Thank you for reaching out. I would like to address your concerns directly.
  First, please note that there are no hidden fees associated with our program. All fees are clearly outlined in the contract, which is 100% transparent.
  Regarding your account, we successfully settled one of your debts. However, you requested to cancel out of the program despite the settlement progress. You mentioned that a refund was not issued, but our records show that we refunded your escrow balance of $8,213.08 as per your request.
  Its important to note that accurate reporting of your other debt is essential for the success of the program. Unfortunately, discrepancies in the debt amounts you initially provided impacted our ability to fully address your financial obligations. Without the correct debt information and corresponding funds, we are limited in what we can do to resolve the remaining balances.
  We are committed to providing transparent and effective service and hope this clarifies the situation.

• Initial Complaint

  Date:10/30/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I setup with MCA resolve to negotiate MCA debts. I was given a contract with the broken down terms and conditions thinking they could help me I moved forward. They negotiated the first account and then the second account they could not they decided at the end of the contract they needed more time, however during this process I was being sued by the other company. I ended up settling out of court and now owe 11k more than original contract. They refunded what was in my escrow account but took out an additional amount because they say the amount owed to the company was different than originally started. This however is not true because I had to settle which cost me more money. MCA Resolve owes me the other 5100 dollars they (stole in my opinion) took out after they realized they could not do as advertised and did nothing but cost my business thousands of dollars. The company is a scam and does not hold up their end of the deal. They charge you and charge you and make it your fault because you got yourself in the position in the first place.

  Business Response

  Date: 12/09/2024

  ****,
  It appears there was a discrepancy in the debt amount you initially reported to us, as you provided a figure significantly lower than the actual amount owed. While we successfully settled with one lender, we were unable to settle with the other due to the inaccurate information provided and your refusal to allocate additional funds to cover the underreported debt.
  Unfortunately, this misinformation prevented us from completing the settlement with the remaining lender. Despite this, we refunded your escrow balance as a resolution.
  Please understand that this is your debt, and we cannot assume responsibility for paying it on your behalf. Simply believing you owe a different amount does not alter the facts, as we had previously explained.

  Customer Answer

  Date: 12/09/2024

   
  Complaint: 22491496
  
  I am rejecting this response because: they had the owed amount they received the information. The amount they are referring to is the amount that we had to settle out of court on because they didn't hold up their end of the contract and as far as getting the money back I got part of it back.
  
  Sincerely,
  
  **** ******

  Business Response

  Date: 12/11/2024

  I am unsure what you mean by your message, however the fact remains that we assigned attorney to handle both of your outstanding debt's and we also settled with one of the lenders before you chose to cancel out of the program. You hired us to settle your debt and that is exactly what we did.