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:08/25/2025

  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.

  Mar 10, 2025 ********* Machine entered an agreement to resolve a debt with ************************ This is what was presented to us:"Hi ******,It was a pleasure speaking with you today. Below are a few of the options we had gone over. Obviously, the quicker we can get this resolved, the faster you can put this behind you but do what is the most comfortable option for you and your business. 12 Month Program Total debt: $248,000 Total estimated program cost: $186,406 Total estimated savings: $61,594.96 Weekly payment: $3,420.32 11 Month Program Total debt: $248,000 Total estimated program cost: $186,406 Total estimated savings: $61,594.96 Weekly payment: $3,729.65 Again, these quotes include everything. All attorney expenses, setting up the escrow account, negotiations and settlements with your lenders and disbursements to your lenders. There are no hidden fees and everything will be written out for you line by line in the agreement once we have chosen the best plan for you. I am excited to initiate negotiations on your behalf and am confident that our team of professionals can resolve this for you with maximum savings for your business."The reality is I have paid in $66,693.84 to Coastal, they refused to contact the lender, the lender sent out *** filings to my customers, after weeks of pleading with CDR they sent out weak lien release letters that didn't work, when it came time to negotiate there was no communication between *********** I wound up having to settle directly, there is $16,115.17 in the trust account which is supposed to be used to settle the account, CDR tells me they will keep that as fees instead of settlement. Making my total cost of settlement $222,578.61 instead of the $186,406 they promised. I believe the $16,115.17 should go to me as they did nothing to help me but only made the situation worse. They show a 5 star rating with trust pilot but that is only because they have a non disparagement clause in their contract.

  

  Business Response

  Date: 09/02/2025

  Dear Mr. ******************** are sorry to learn that you remain dissatisfied with your experience in our business debt resolution program. Coastal Debt Resolve strives to resolve business debts in a transparent, professional, and effective manner, and we take client concerns very seriously. We would like to address your concerns while also clarifying the results achieved on your behalf.
  
  First, it is important to emphasize that your business successfully resolved a total balance of $234,868.97 owed through a negotiated settlement of $150,000.00. This outcome reflects a savings of $84,868.97 (36%) compared to the total balance owed. These results were accomplished within months of your enrollment and avoided the significant risks and expenses associated with litigation.
  
  Second, regarding fees: under the Business Debt Resolution and Settlement Agreement you executed on March 10, 2025, Coastal Debt Resolve is entitled to a dispensation fee of 20% of enrolled debt and a retainer fee, in addition to administrative costs. To date, the Company has collected $40,543.64 in fees, which remains below the contractually agreed program total. Your request for a refund therefore cannot be granted, as the contract specifies that fees are earned upon receipt.
  
  Third, although you have suggested that our efforts impeded negotiations, the record reflects that settlement was in fact reached only after Coastal Debt Resolves structured processincluding establishing a dedicated settlement account, coordinating with your appointed attorney, and engaging with the creditorhad been set in motion. While you chose to engage in direct communication with the creditor, that action temporarily complicated negotiations. Nevertheless, we remained committed to securing the best available outcome for your business.
  
  Finally, we wish to assure both you and the Better Business Bureau that Coastal Debt Resolve consistently works in good faith with enrolled businesses, creditors, and attorneys to achieve meaningful debt relief. We regret that your experience did not align with your expectations, but we are pleased that the financial obligation has been resolved on terms that significantly reduced your business's liability.
  
  We consider this matter resolved and respectfully request that it be closed. We wish you and your business the best in moving forward from this financial challenge.
  
  Sincerely,
  Coastal Debt Resolve

  Customer Answer

  Date: 09/17/2025

   
  Complaint: 23797657
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** Loveridge *********

• Initial Complaint

  Date:08/06/2025

  Type:Customer Service 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.

  This is my second complaint about this company. Amazingly enough, the calls completely stopped for a while after my first complaint. Unfortunately for me, they have started up again. Repeated calls daily from Coastal Debt Resolve over and over. Each call is from a new number so even though I block each one, more come in. I do not have debt and am sure this is a misleading call or even an outright scam, but I have not answered any calls. This is a nuisance and is harrassment. I do not trust this company and want them to stop contacting me.

  Customer Answer

  Date: 08/07/2025

  Hello, I provided the phone number to you in my complaint and asked you if you had provided it to Coatal Debt. I thought the information that I provided to you would be accessible to them. I would like this reopened please.

  Customer Answer

  Date: 08/12/2025

  My phone number is ************. 

  

  Business Response

  Date: 08/18/2025

  Dear *******,
  
  Thank you for bringing this matter to our attention. We take your concerns seriously and sincerely apologize for any inconvenience or frustration this situation may have caused.
  
  At Coastal Debt Resolve, we are fully committed to respecting the privacy and preferences of all individuals. Please rest assured that your request has been processed, and your number has been added to our internal Do Not Call (DNC) list. You will not receive any contact from us.
  
  On rare occasions, during scheduled system updates or configuration changes, certain contact preferences may take time to be fully synchronized across our outreach settings. We want to assure you that we have taken all necessary steps to prevent any contact with you from our Office.
  
  Thank you again for your patience and understanding.
  
  Best regards,
  Coastal Debt Resolve Team

  Customer Answer

  Date: 08/18/2025

   
  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,
  
  ******* ******

• Initial Complaint

  Date:07/22/2025

  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 December of 2024, I entered a 9 month contract to relieve my company of high interest collectibles debts. The contract was very clear on contributions to Coastal, Legal and Escrow needed to negotiate/settle the debts. Over the past 7 months, multiple vendors have frozen funds that are sitting on account to settle open debts (2). During this same period, I have repeatedly emailed, called, and attempted to get Coastal and my assigned legal team to address the withheld balances. Throughout this period, I have gotten ZERO support, response, or acknowledgement. There was one very early response that said "the lawyers could petition for release of those funds on my behalf". By my accounting, between the "frozen funds" and the funds collected to date for settlement, I have fulfilled the contributions per my contract. When I continued to be ignored, I gave multiple notices that I would be stopping the weekly payment since all the fund balances were met. Still ZERO reply. Finally, I stopped the payments and within a week, finally got a response, this after almost 5 months of asking. The reply was I violated my contract and that I had to pay Coastal more funds until the end of the contract, another 10 payments. This despite all the 3 requirements were financially met (Service Fee, Legal Fee and escrow funds). This would have increased escrows/held funds by almost 50% more than the contract called for. Basically, I would have been lending Coastal 20K above our contract. When I replied to the email with questions, I was again completely ignored. Today, I received notice that my escrows were being refunded and contract terminated. I have no idea where the Legal fees went, no idea how Coastal can indiscriminately collect $25+K and randomly demand more funds while providing ZERO support, ZERO answers to my calls and emails, and finally, my last response to their threat of contract termination. Bottom line, stay away.

  

  Business Response

  Date: 07/24/2025

  Dear Mr. ********************** you again for taking the time to speak with our Customer Support Manager. We understand your concerns, and we appreciate your patience while our team works to resolve them.
  
  Following our recent conversation, your account has been reactivated, and we have resumed work on your file. Please rest assured that our team is actively engaged in addressing the matters you raisedincluding the status of your escrowed funds, creditor communications, and any outstanding legal coordination needed.
  
  We understand there may have been periods of delay in communication, and we sincerely regret any inconvenience that may have caused. We are taking internal steps to ensure that you receive timely updates and consistent support as your program progresses. Our goal remains aligned with yours: to see your obligations resolved and to bring your business the relief it deserves.
  
  You remain an active participant in our program, and we are committed to assisting you every step of the way. Should any additional questions arise or if you need clarification on any aspect of the program, please dont hesitate to reach out to our management team directly. We are here to support you.
  
  Thank you for continuing to work with uswe look forward to bringing this matter to a successful conclusion together.
  
  Warm regards,
  Coastal Debt Resolve
  Client Services Management Team

• Initial Complaint

  Date:07/21/2025

  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.

  On December 31, 2024 I agreed to work with Coastal Debt Resolve to consolidate 2 loans I had. They agree to work out a settlement with both companies for about 43 cents/dollar and agree to accept a fee of 20% for each loan resolved/settled. The agreement was for me to paid a weekly amount of about $2032.72 each week to them and stop making payments to both creditors. They would call them and negotiate terms on my behalf and I would continue to pay them directly until I had enough money in an account with them to use to pay down a lump sum or have enough to negotiate with. They would also have an attorney assigned to my case to help me in case the creditors filed a lien or suit against me. I continued to make payment through March 2025 and told them I did not have any more monies to pay and I could not afford it. They agreed to lower the payment the last week of March to $1893.27 and struggled and continued to make these payments through May 2025. However, on May 20th, I told them I was all out of monies and needed to stop the program because I found out that they had not made any contacts to the creditors to work anything out on my behalf and one of the creditors had file a lien on my business and they still did not reach out to them, to stop the lien or get their attorney to do anything. The *** that was handling my file told me that if I canceled now I would loose all $43, 000 that I had paid to them because I am breeching my contract. I have checked with other consolidation company and they told me that not how the services work, they do not resolve the accounts, then they are not entitle to any payment and what ever is paid into my account should be returned. I am writing to you because I believe this business needs to be held accountable for stealing my money. They have left me without a dollar and even further behind in debt. I hope they can be exposed for what they are doing, and they should be held accountable for stealing my money. This is such a SHAME.

  

  Business Response

  Date: 07/25/2025

  Dear Ms. ******************** you for your submission to the Better Business Bureau. While we regret your dissatisfaction, we appreciate the opportunity to respond clearly and correct the factual mischaracterizations contained in your complaint.
  
  1. Clarifying the Nature of the Program
  Coastal Debt Resolve provides a Business Debt Resolution and Settlement Program, not a debt consolidation service. The distinction is important. Debt consolidation typically involves obtaining a new loan to pay off old ones. By contrast, our program is designed specifically to assist businesses in financial distress by negotiating significant reductions on outstanding obligationswithout incurring new debt and while providing immediate relief from burdensome daily or weekly payment structures.Your business voluntarily enrolled in this program on December 31, 2024, and agreed to an estimated 16-month resolution strategy, during which time payments were to be made into a secured, FDIC-insured settlement account. These payments were to be used to pay the companys service fees, fund settlements, cover attorney access through our legal partner network, and support administrative costs associated with creditor negotiations. The program was explained to you in detail and formalized via a signed agreement.
  
  2. Immediate Benefits Delivered to Your Business
  At the time of enrollment, your business was making approximately $7,026.50 in weekly debt payments. During enrollment in our program, that burden was reduced to $1,893.27 per weeka 73% weekly cash flow improvement. This critical liquidity relief is a hallmark of our services and is the primary reason many businesses enroll.The notion that nothing was done is not only inaccurate but dismisses the measurable financial advantage your business received for over four months. Moreover, no litigation was initiated during your enrollment, and the "lien" referenced in your complaint was not new legal action but rather a ***-1 financing statement, standard in commercial lending, and filed at the time you originally accepted funding from your lender. It is not an enforcement tool and not an indication of a lawsuit.
  
  3. Your Early Exit and Misunderstandings
  Regrettably, your business exited the program in May 2025after just 4.5 monthswell before the program could achieve its objectives. While we understand that financial conditions fluctuate, you were informed at the outset that early termination would compromise the programs effectiveness and that Company fees earned during your participation would not be refunded, as clearly outlined in your ************ is important to note that our records show we offered a reduced payment option in March 2025, in an effort to keep your business enrolled and on track toward resolution. Despite our best efforts to accommodate your financial challenges, you voluntarily discontinued payments and unilaterally exited the programcontrary to our recommendation and against your own business interests.
  
  4. Commitment to Transparency and Client Success
  Coastal Debt Resolve takes pride in maintaining success by adhering to strict ethical standards, offering tailored solutions for distressed business clients, and ensuring full transparency in all contractual relationships. We provide thousands of businesses nationwide with viable alternatives to bankruptcy, and many successfully complete their program with substantial savings and restored financial viability.
  
  Final Remarks
  We are disappointed that your business could not remain enrolled long enough to realize the full benefits of the program. However, to characterize the experience as theft is not only unfoundedit disregards both the contractual terms you acknowledged and the actual value your business received in weekly cost relief and professional support during enrollment.Should you wish to revisit your enrollment or explore re-engagement at a modified payment level, our team remains available to discuss further options. In the meantime, we sincerely wish you and your business success moving forward.
  
  Respectfully,
  Coastal Debt Resolve

  Customer Answer

  Date: 07/27/2025

   
  Complaint: 23632218
  
  I am rejecting this response because:

  The fees were never discussed up front by ***** and if I knew you were going to take your payments upfront before you did any work, I would not have agreed to it. Your company did ABSOLUTELY NOTHING, except encouraged me to pay you more money, or called me when I was struggling to pay. Yes it was only 4,5 months of payments, but it was a total of 16 or 17 payments at $2032 and $1893 weekly which was a struggle for me. I would not have agreed to paying you money you never earned. Like I said the verbal agreement and understanding with ***** was that you would not have been paid unless you negotiated with the creditors and worked out a settlement, which you did neither.

  Your company was fraudulent with their initial intent and was NOT TRANSPARENT with their fees. You STOLE my $43,000.00 and are now claiming that you worked for it. YOU DID NOTHING but has ******* called me weekly to remind me of my payment and pretended as if your company cared about my hardship. You are misrepresenting yourselves about what you can do to help and with doing nothing for your customers, you have manage to remain in business by continuously stealing your consumers money when they are get tired of you not doing what you have promised to do.

  I have done my due diligence by speaking with 2 other companies that provides the same services and they have looked up your company. They have also stated that this money should have been held in an account and returned if the services agreed to(which is reaching a settlement) where not accomplished. I am really not sure why you are restating my hardship, and not highlighting the fact that you did ABSOLUTELY NO WORK to retain my payments. You did not call, email or send a letter to any of my 2 creditors, you did not initiate or negotiate a settlement with them, and you think that you are deserving of my $43,000. This is outlandish, this is fraudulent and this is an outright SCAM. 

  
  Sincerely,
  
  ****-**** ******

  

  Business Response

  Date: 07/28/2025

  Dear Better Business Bureau,
  
  We appreciate the opportunity to provide a final reply to Ms. ******* continued assertions. While we regret her dissatisfaction, we must respectfully reaffirm our original position and address the escalating rhetoric in her latest response with clarity and professionalism.
  
  1. Clarifying Program Structure and Fee Transparency
  Ms. ******* suggestion that program fees were never discussed up front is directly contradicted by the signed written agreement she executed upon enrollment, which clearly discloses fee structure, service stages, and conditions for termination. Coastal Debt Resolve does not operate based on informal verbal understandings, and no services are provided without formal documentation and full client acknowledgment. To allege otherwise is simply inaccurate.
  Further, our program was transparently explainedincluding the use of an FDIC-insured settlement account, the staged fee schedule, and the structure of our resolution process. Like other professional service models, our fees are earned and disbursed as services are initiated and deliveredsuch as onboarding, payment restructuring, creditor engagement preparation, legal network assignment, and account administration. These are all services Ms. ******* business received during her 4.5-month participation.
  
  2. Mischaracterization of Performance and Effort
  Despite her allegations, Ms. ******* business realized a documented 73% reduction in weekly debt burdenfrom over $7,000 to $1,893 per weekduring her time in the program. This improvement in liquidity was not accidental but a direct result of our restructuring work. Her business was consistently contacted and supported by our team, including a dedicated representative who maintained active communication throughout.
  Ms. ******* claim that no creditor activity occurred is misleading. She exited the program just four months into a projected 16-month resolution timeline, at which point settlement negotiations were not yet scheduled to begin under the standard program phase model. Premature cancellationagainst our recommendationhalted the process before its intended results could materialize.
  The lien she references was not a lawsuit, enforcement action, or creditor retaliation, but a standard UCC-1 financing statement from her original lender, filed prior to program enrollment and not subject to intervention.
  
  3. Program Comparisons and Misunderstandings
  While we understand Ms. ****** has consulted with other companies post-cancellation, we caution that service models differ across the industry. Unlike consumer debt consolidation firms, our business-focused settlement model is not structured around refunding administrative payments after voluntary program exit, particularly where services have already been rendered.
  To be clear: Coastal Debt Resolve delivered services consistent with the written agreement. To characterize that professional service relationship as fraudulent, a scam, or theft is not only baselessit is inconsistent with both the facts and the business practices of a company that has served thousands of small businesses nationwide with professionalism, transparency, and documented success.
  
  4. Final Statement and Request for Closure
  Coastal Debt Resolve remains committed to client success and transparent business practices. We sincerely regret that Ms. ****** elected to exit the program prematurely, but we must reiterate that her loss of potential program benefits was the result of her own decision to terminate early, despite clear advisories to the contrary.
  Given the facts above and our prior comprehensive response, we respectfully request that this matter be considered closed. We will take no further action or engagement on this file unless initiated through a formal channel.
  
  We thank the Better Business Bureau for the opportunity to respond and for its continued efforts to support responsible businesses and informed consumers alike.
  
  Sincerely,
  Coastal Debt Resolve
  
  
  
  
  
  

• Initial Complaint

  Date:07/10/2025

  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.

  Since cancelling my agreement with Coastal Debt Resolve I have been contacted at least 5 times to use their services. Each time I informed the caller why I would never consider using them again. First I was told that I would get a 50-80% reduction of a *** agreement. If I had continued with their services my overall savings would have been about 10% because the rest was going to them in fees. It cost me over $15000 for them to do absolutely nothing. I wrote a complaint and was told that was a violation of my agreement with them so I removed it. Who puts a clause in an agreement that you can't complain about them if everything you do is in the best interest of your clients? I mentioned this to every person who called me from CDR but I continued to get calls stating how Coastal Debt Resolve could save me money. I negotiated my payment reduction on my own and just wasted $15000 that I did not have to waste. Hopefully after giving the last person who called from CDR an earful I won't be getting any more calls from them.

  

  Business Response

  Date: 07/15/2025

  Thank you for sharing your concerns.
  
  We are sorry to hear that your experience did not meet your expectations and that you felt dissatisfied with the services provided. At Coastal Debt Resolve, our goal is to support small business owners by providing customized solutions that help relieve the burden of high-cost merchant cash advance (MCA) obligations. While results vary based on the clients participation and the structure of their debt, many clients experience significant weekly payment reductionsoften in the range of 40% to 80%which can be crucial to improving cash flow and maintaining operations.
  
  With regard to your communication concerns, although we cannot confirm any specific outbound calls, we sincerely regret any unwanted contact you may have received. We have taken immediate steps to ensure that your contact information is permanently marked as Do Not Call in our system.
  
  We appreciate your feedback and will continue to review our internal processes to ensure we maintain the highest standards of client service and communication.We respect your decision and wish you and your business continued success in the future.
  
  Sincerely,
  Coastal Debt Resolve

  Customer Answer

  Date: 07/24/2025

   
  Complaint: 23582791
  
  I am rejecting this response because:
  It is unfair to take $15000.00 for no services rendered and not coming close to saving me 40-80%. You were receiving the majority of what you claimed you were saving me in fees. If I had taken the deal you were offering i would have paid you at least $6000-$8000 more than what I negotiated on my own not including the 15K you had already taken from me.
  Sincerely,
  
  ****** ******

  

  Business Response

  Date: 07/25/2025

  Dear Mr. ******************** you again for your continued feedback. We understand your frustration and regret that your experience with our program did not meet your expectations.
  
  We also note that your original request was to receive no further contact from Coastal Debt Resolvea request we honored promptly by marking your account as Do Not Contact in all of our systems. Nonetheless, you have since chosen to continue engaging through this forum, which we respect and welcome the opportunity to clarify.
  
  Program Value and Fee Transparency
  As you acknowledged in your original submission, even with the program fees included, your business was projected to save approximately 10% on the total indebtedness. While that may fall short of the higher reductions sometimes achieved by clients with longer program participation, a 10% reduction coupled with weekly payment relief and legal protection can still represent a meaningful benefit for businesses facing aggressive cash flow constraints or legal exposure. In fact, during your enrollment, your weekly obligations were significantly reducedimproving short-term viability during a time of financial **************
  
  Support and Negotiation Benefits
  You also stated that you negotiated the deal yourself. However, records reflect that your businessorganized in ******** the subject of legal proceedings in ****, and that through your participation in our program, you were afforded legal counsel for diligent representation. This representation included formal court appearances and responsive filings on your behalf. The availability and execution of such legal defense are significant and material services, and not something most small businesses could easily secure on their own across state lines.
  
  We respect your decision to conclude matters independently, and are glad that you reached a resolution. However, your characterization that no services were rendered is simply not supported by the facts. Your file included dedicated legal engagement, a structured reduction in weekly debt payments, and tailored case supportall of which were delivered consistent with the program terms.
  
  Final Resolution
  This will serve as our final statement on the matter. Your contact preferences have been permanently honored, and there will be no further outreach or marketing communications. While we will not be issuing a refund, we genuinely wish you continued success in your business endeavors and remain proud of the services we provide to thousands of small businesses across the country who are able to complete the program and recover financially.
  
  Sincerely,
  Coastal Debt Resolve

• Initial Complaint

  Date:07/10/2025

  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.

  Coastal Debt Resolve claimed that my payments would be placed in an escrow account and that I would have access to those funds if I chose to leave the program early. This was one of the main reasons I agreed to enroll. However, when I decided to exit the program before completion, I was told there were no escrow funds available to return to me. This directly contradicted what I was promised at the start. I feel misled and deceivedespecially since the concept of a protected, refundable escrow account was a key selling point used to gain my trust. If the funds were truly held in escrow, I should have had access to them. Instead, I was left with nothing, and no clear explanation as to where the money went.

  

  Business Response

  Date: 07/16/2025

  Dear Mr. ******************** you for taking the time to share your feedback. We value transparency, and your concerns provide an important opportunity to clarify how our program operates and to reaffirm our commitment to the small business owners we serve.
  
  We understand that one of your expectations at the time of enrollment was that a portion of your payments would be held in a separate escrow account and refundable upon early program termination. To address that concern directly: our records reflect that during the period of your enrollment, your business had not yet completed the initial funding phase necessary to begin escrow allocations. Instead, your early payments were applied toward administrative and service fees, in accordance with the terms disclosed at the outset of the program.
  
  To date, the total amount remitted by your business was well under $10,000, and no funds had yet accumulated for settlement. While we appreciate your reference to a $20,000 disputed amount, this appears to be a misunderstanding of either the program scope or the payment flow to date. We would be happy to provide a detailed ledger reflecting all payments, disbursements, and account activity for your review.
  
  That said, we are pleased to note that in just 10 weeks of enrollment, your business achieved weekly payment reductions of up to 64%, which aligns with the kind of meaningful results our program is designed to deliver. Had the program continued to completion, it is reasonable to anticipate that your total repayment amount would have been substantially reduced, consistent with the outcomes we have delivered for many of our clients.
  
  We recognize that every business's financial situation is unique and that even reduced weekly payments can present challenges. Our program is most effective when completed in full, and we are always available to discuss how participation can be tailored to support clients with fluctuating affordability needs.
  
  We encourage you to reach out to your former account representative directly, who can walk through your account history and clarify any remaining questions you may have. Alternatively, we would be happy to schedule a time for a member of our support team to assist you further.
  
  We wish you and your business continued success, and appreciate your engagement as we strive to provide high-integrity, results-oriented service.
  
  Warm regards,
  Coastal Debt Resolve
  

  Customer Answer

  Date: 07/16/2025

   
  Complaint: 23582013
  
  I am rejecting this response because: Again, when I was cohered to sign up, I was not told that I would have to staying a minimum amount of time they kept saying my money is in escrow. please pull the recorded calls
  
  Sincerely,
  
  ****** Dallas

  

  Business Response

  Date: 07/18/2025

  Dear Mr. ******************** you again for sharing your concerns. We appreciate the opportunity to further clarify your experience with our program.
  
  We understand that your expectations included the availability of escrowed funds in the event of early termination. As outlined during the enrollment process, escrow funding begins only after certain initial thresholds are met, and early payments are first applied toward program setup and administrative service fees. Based on our records, your account had not yet progressed to the escrow funding stage at the time you elected to exit the program.
  
  We respectfully invite you to revisit your original enrollment agreement, which details the fee structure, escrow funding timeline, and program expectations. Should any part of the agreement appear unclear, your former account representative remains available to walk you through the documentation and provide further clarification.
  
  It is unfortunate that your participation concluded before the program could deliver its full benefit. In the brief time you were enrolled, we were already seeing early reductions in payment obligations, indicating that the program was working as designed. That momentum could have continued had the program been completed.
  
  While we understand that you remain dissatisfied, the information on record does not support the allegations presented. Unless there is new or specific information warranting further review, we respectfully consider this matter closed. However, if you believe a discussion with your former representative would be helpful, we encourage you to reach out directly.
  
  We thank you again for your time and wish you and your business continued success in the future.
  
  Sincerely,
  Coastal Debt Resolve

  Customer Answer

  Date: 07/24/2025

   
  Complaint: 23582013
  
  I am rejecting this response because: you guys kept telling I had money in escrow and in 6 months you would use that to settle my debt. you never said not once that there was a level had to hit before I had money, you kept saying your money is there. so, I again ask the BBB to retrieve the recorded calls
  
  Sincerely,
  
  ****** Dallas

  Customer Answer

  Date: 07/25/2025

  Why donr you guys make them turn over recorded calls? it shows them telling lies

• Initial Complaint

  Date:06/24/2025

  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.

  My business has received daily calls from different numbers each day, from Cam from Coastal Debt. Our company has no debt. I have asked them to stop harassing employees. They never leave a message. As the owner of the company, you have no right to harass my employees. You should cease when asked by the staff. Please refrain from calling from a different number the next day and from hanging up when they request that you remove our number from your list and not contact us again.

  

  Business Response

  Date: 06/25/2025

  Dear *******,
  
  Thank you for bringing this matter to our attention. We understand how frustrating and disruptive unwanted calls can be, and we sincerely apologize for the inconvenience youve experienced.
  
  While we are currently reviewing this issue internally, please be assured that your phone number has already been added to our internal Do Not Call list to help prevent any future outreach.Coastal Debt Resolve is committed to responsible communication practices and strictly adheres to all applicable laws and industry standards.
  
  We take these concerns seriously and appreciate your feedback, which helps us continue to improve our processes.If you have any additional details to share or if theres anything further we can do to assist, please dont hesitate to contact us directly at ************ or *****************************************************************.
  
  Thank you again for your time and for giving us the opportunity to address this matter.
  
  Sincerely,
  Coastal Debt Resolve Team

• Initial Complaint

  Date:06/24/2025

  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 went to coastal debt. They said they could help me work out settlements with 2 of my high interest loans. They sent me a total i would pay them and I'm return they would get settlements I paid them the amount requested and they only settled 1 a count and said they needed more money. I'm not paying them more because that is an exorbitant amount from what they initially told me attached is my plan and I've already paid 6000 dollars more than their plan

  

  Business Response

  Date: 06/25/2025

  Dear Mr. ******************* you for bringing your concerns to our attention. We take all client feedback seriously and appreciate the opportunity to address your complaint.
  
  Upon reviewing your file, we note that upon enrollment in our program, your business experienced a substantial reduction in weekly debt obligationsspecifically, a decrease of approximately 60%, from $2,987 per week to $1,222.89. This adjustment was intended to provide immediate and critical cash flow relief during your businesss financial hardship.
  
  In addition, we successfully negotiated and finalized a settlement with one of your two creditors, which reflected a favorable outcome for your business. With respect to the second account, we made recommendations and presented a settlement strategy tailored to your situation. However, we understand that you elected not to proceed with the plan we proposed and subsequently chose to discontinue participation in the program before a resolution could be finalized.
  
  While we regret that the outcome did not fully meet your expectations, the services we renderedincluding account management, creditor negotiations, and the settlement achievedwere delivered in good faith and in accordance with the scope of your agreement. Accordingly, and after careful review, we must respectfully decline your request for a billing adjustment.
  
  Should you wish to further discuss the matter or explore alternative resolutions, we welcome the opportunity to speak with you directly. Please feel free to contact your former account representative or our ************************** at your convenience.
  
  We sincerely wish you the best in your future endeavors.
  
  Sincerely,
  Coastal Debt Resolve
  
  
  
  

  Customer Answer

  Date: 06/25/2025

   
  Complaint: 23512469
  
  I am rejecting this response because: in our original agreement that was sent to me by your representative it clearly shows my debt as being 35000

  A retainer fee of 3500

  Dispensation fee of 7000

  bringing the amount i paid to you 27584.91

  yes you lowered the monthly payment but we're supposed to negotiate these debts

  after paying nearly ***** i finally put pressure for you to negotiate and you settled one for around 6800.00

  then wanted me to pay more over our agreement to settle the other one.  I wasnt going to keep paying and you guys idea of a settlement was full price to that lender.  That is about 22000.00

  which leaves you guys taking way more money than agreed. 

  you said i wouldn't accept and closed my account under my protest and refunded me a little over 9000.00

  where is the rest of my money?

  you're taking a lot more in fees than what this agreement shows. I want my money refunded fully except for the one settlement or i want you to take that money and settle the other debt for that agreed price like you said you would. 

  I would be happy to show the BBB my bank records showing your debits out of my account too !

  
  
  Sincerely,
  
  **** *****

  

  Business Response

  Date: 06/30/2025

  Dear Mr. ******************* you for your follow-up. We understand your concerns and appreciate the opportunity to further clarify the matter.
  
  As previously stated, the funds contributed were allocated in accordance with the written terms of the enrollment agreement, which you received and acknowledged upon entering the program. These terms detail the retainer, dispensation structure, and fee schedules associated with negotiated settlements. Any request for additional funding was not for further company retainer or dispensation fees, but rather to fund a potential settlement with your businesss remaining enrolled creditoran effort made in good faith to resolve the outstanding obligations and secure your businesss long-term financial relief.
  
  We respectfully disagree with your characterization of the services provided. During your time in the program, we successfully reduced your businesss weekly debt obligations by approximately 60%, freeing up essential working capital during a financially challenging time for your business. Additionally, we negotiated and finalized a settlement on one of your accountsan outcome that, on its own, reflects tangible value from your participation.
  
  Following your request to discontinue participation, a refund of unused funds held in the account was promptly issued. The specific apportionment of those funds, including settlement disbursements and service fees, was documented and available for your review at any time. Should you wish to better understand how those funds were applied, we welcome you to contact your former account representative, who remains available to assist with any remaining questions.
  
  We are committed to transparency and client satisfaction, and while we regret that your experience did not meet your expectations, we are confident that the services rendered were consistent with your agreement and conducted in a professional and good-faith manner.
  
  At this time, we consider the matter resolved, though we remain available to you should you choose to reengage with your representative for further clarification. We wish you all the best in your future financial efforts.
  
  Sincerely,
  Coastal Debt Resolve Team
  
  
  
  
  

  Customer Answer

  Date: 06/30/2025

   
  Complaint: 23512469
  
  I am rejecting this response because:
  Coastal debt resolve misrepresented the terms to me when this payment plan was established.  I did not agree to the extended payments past what was given to me on the previous documentation sent.  They keep saying they lowered my payment but the entire idea was to pay them a certain amount sent in documentation in the previous response and they would settle my balances.

  Furthermore i did not request to end my program , coastal debt resolve closed my account without my permission because i wouldn't pay them any more money.  I wanted them to keep negotiating the settlement for the 2nd loan.  They are a dishonest and misleading company that takes advantage of businesses with high interest loans and their practices should be investigated further. 

  
  Sincerely,
  
  **** *****

• Initial Complaint

  Date:05/14/2025

  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.

  Repeated calls from Coastal Debt Resolve over approximately a week. No voicemails, but each call is from a new number so even though I block each one, more come in. I do not have debt and am sure this is a misleading call or even an outright scam, but I have not answered any calls. This is a nuisance more than anything but it's wasting my time, which is valuable to me.

  

  Business Response

  Date: 05/15/2025

  Dear *****,
  
  Thank you for taking the time to share your concerns. We understand that receiving unwanted calls can be disruptive, and were sorry to hear about your experience.While we are still looking into the details of this matter, we want to assure you that, out of an abundance of caution, your number has been added to our internal Do Not Call list to help prevent any further outreach.
  
  Coastal Debt Resolve takes these types of concerns seriously, and we remain committed to ensuring all communications are conducted responsibly and in accordance with applicable laws and industry standards. We value your feedback, as it plays an important role in helping us uphold our standards.
  
  If you have any additional information you would like to provide or if there is anything further we can do, please feel free to reach out to us at ************ or *****************************************************************.
  Thank you again for bringing this to our attention.
  
  Sincerely,
  Coastal Debt Resolve Team

• Initial Complaint

  Date:05/12/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company will NOT stop harassing me. Almost every day, from a ********** area code. I have never requested their services nor do I want them. STOP CALLING ME. I have to continually block these NJ area codes as they have used different numbers to try to get through.

  

  Business Response

  Date: 05/15/2025

  Dear *******,
  
  Thank you for bringing this matter to our attention. We understand how receiving unwanted calls can be frustrating, and we truly regret any inconvenience or disruption this situation may have caused. While we are unable to verify the specific details of the calls referenced in your complaint at this time, please rest assured that we take concerns of this nature seriously.
  
  As a precautionary measure, your number has been added to our internal Do Not Call list to help ensure that you do not receive further contact from our organization. We are currently reviewing our procedures and conducting an internal review to ensure our communications remain respectful, appropriate, and aligned with all applicable regulations.
  
  Please know that your feedback is valued and helps us continuously improve our practices. Should you have any additional questions or wish to speak further about this issue, we welcome you to contact us directly at ************ or *****************************************************************. Thank you again for reaching out.
  
  Sincerely,
  Coastal Debt Resolve Team
  
  
  
  
  
  
  

  Customer Answer

  Date: 05/15/2025

   
  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,
  
  ******* ******