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:11/07/2023

  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.

  I signed up with this debt settlement firm 06/02/202 and they made oral representations that were backed up by the written contract.They failed to perform on its duties once the debt settlements were negotiated so that more than 3 years later my credit score is still terribly negatively affected by their lack of performance - even though I have paid off all negotiated debt already.BUYER BE WARE - in my experience this firm has not been ethical.

  Business Response

  Date: 11/08/2023

  ********************* is not a client of Signature Servicing LLC.(Please see attached) ************ signed a retainer agreement with the *******************. Many law firms around the country engage us to assist them with the debt settlement process. I have left ************ numerous voice mails asking her to contact me directly on my personal cel phone so I can point her in the right direction.I also think another attorney group may have taken over for the *******************,possibly thats where the misunderstanding is coming from?
  I am only here to help but I do not understand if she is unhappy with my company why she refuses to take calls from the owner of the company? She can call me anytime **** **********. I will put her in touch with the law firm she signed up with and they will be able answer any questions that she has about the process.
  Since ************ never signed an agreement with my company and is not a client of ours, please remove this complaint.
  Thank you.
  *****************************

  Business Response

  Date: 11/08/2023

  I'm Sorry for my misspelling. *********************

  Customer Answer

  Date: 11/09/2023

   
  Complaint: 20838611
  
  I am rejecting this response because:

  1.  ************************ is saying my contract was not with Signature Servicing.  See the attached contract.  Signature Servicing performed 100% of the work on my case since 6/1/2020 to current date.    What ************************ sent to you as the "contract" is only 4 pages, whereas the actual contract is 17 pages.  The significant missing pages that ************************ did not provide to you are:

  a)  Exhibit C, page 7, confirming a third-party, presumably Signature Servicing, would "perform debt settlement services" on my behalf.  Signature Servicing was the only party that communicated with me in this case leading up to, and then my signing the agreement 6/1/2020.

  b)  Page 11, Notice of Cancellation Rights.  This document states to send the cancellation notice to ":***** Law Firm, LLC, c/o Signature Servicing, LLC.   Signature Servicing performed 100% of the services related to this agreement and is responsible for lack of performance and other negligence.

  c)  Unmarked page number.  Consumer Authorization and Disclosure Statement that I signed 6/1/2020.  This document authorized Signature Servicing, LLC to access and share my personal information for the purpose of settling my debt.

  d)  The appended agreement with *********************** pages 1 through 4.  I have confirmed with *********************** that ****************** law firm had zero communication with it and that 100% of the communication was via Signature Servicing.

  It is my belief and opinion that Signature Servicing uses law firms as a 'front' for just this reason - so they can tell entities like the BBB that the "contract" was not with them.  However, I was and am indeed a 'client' of Signature Servicing since 100% of the communication on my case since inception has been through them. 

  2.  My communication since I sent my first complaint to Signature Servicing, more than a year ago, on March 29, 2022, has been with their employee/agent ****************************  I have numerous numerous email communications and records of phone calls with *********************  In my experience and belief, ******************** has attempted to intimidate me from seeking resolution of the very negative impacts to my credit rating directly caused the actions and the inactions of Signature Servicing in its breach of the intent of the agreement.  I would never have signed onto this program if they had revealed that my credit report would be negatively impacted to this extent.  I can explain further if needed.

  3)  I asked Mr. ************** repeatedly, in writing, for the phone number of the business owner.  He never provided it to me.

  4)  ******************** advised me in writing that he/they would not communicate with me any further and that I should contact the *******************.  I did contact Attorney ***** and was advised they have not represented Signature Servicing for years.

  5)  On 11/7/2023 ******************** inadvertently sent me the name and phone number of the new law firm in an email including "This is the attorney who oversees her file. He took over for the *******************."  I believe Mr. ************** intended that email for the owner and not for me.

  6)  I contacted the new attorney, emailed him my immediate concerns, and have a scheduled appointment with him this week.

  Additionally, in my email and oral communication with ******************** he repeated said that if I only asked "nicely" for help in resolving my credit report issue that a)  his owner would have gone out of  his way to help, and b) he himself would have gone "above and beyond" to help resolve the credit damage they themselves have caused.

  Since when does a service provider stipulate such conditions to perform the duties it was required to perform, that it was paid to perform?

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

  Business Response

  Date: 11/09/2023

  *********************** the ************** attorney has an appointment with ************ tomorrow 11/10/23. He will discuss this situation with her and let me know what he decides.  

  Thank you.  

  Customer Answer

  Date: 11/14/2023

   
  Complaint: 20838611
  
  I am rejecting this response because:

  I did talk with attorney *********************** last Friday, 11/10/23, but he said he is NOT representing Signature Servicing at this time.  I have scheduled another call with **************** this afternoon, 11/14/23.  .  

  I will be retaining legal counsel and I will also be sending Signature Servicing an email today about the CitiBank account that is showing it is currently in collections.  This was not supposed to happen and is causing me additional harm.

  Please be advised that the financial firm I hoped to join has DECLINED to onboard me because of the two specific matters on my credit report that was directly caused by Signature Servicing - JPMC and CitiBank.  These two matters need to be cleared up by Signature Servicing immediately.

  Signature Servicing also needs to immediately provide the information that I previously requested.

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

  Customer Answer

  Date: 11/14/2023

  Hello on 11/14/2023.

   

  Please see the attached letter from Signature Servicing on its letterhead dated 3/29/22 where they directly contradict the denial by the owner that I was NOT their client.

  See the first sentence in the attached letter "****** has been a valued client of ours since June 2020."

  Thank you.

  Customer Answer

  Date: 01/11/2024

  Hello on 1/11/2024.  This matter has been satisfactorily resolved and I would like to withdraw the complaint or reflect that it was resolved.  How do I do that?

• Initial Complaint

  Date:08/09/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I hired this firm in March to provide debt settlement services. They have withdrawn $606.83 from my checking account with ********** each month since then. Each time I try to contact them I get nothing but messages. I cannot access my account online, nor can I locate their website anymore. Trust Pilot assured me that this company was legitimate. Which one fabricated the truth?

  Business Response

  Date: 08/10/2023

  My name is ***************************** I am the owner of Signature Servicing LLC. I have checked our data base and ************************* is not a past or present client of ours. I do have relationships with other debt settlement companies in the industry. If ************ can email me at ************************************** with the name of the company he enrolled with (he should have an agreement that he signed with all that information) I will gladly help him find the company and I will help him get a refund.

  Thank you.

   

  Business Response

  Date: 08/15/2023

  8/15/23
  
  Re: *************************
  **********************************************************************
  Daytime Phone:
  ************
  
  Case Number: 20448127
  Date of Notice: 08/09/2023
  
  Dear Sir/Madam:
  
  **** letter is in response to the above-referenced complaint submitted to the Better Business Bureau by ************************* regarding Signature Servicing LLC.
  
  On 8/10/23, I spoke with ************ regarding his complaint. Originally, I could not find him in our database. He told me he was a client of a different company. As it turns out I know of the company he signed up with. I was able to speak to them and they spoke to ************. They were able to answer his questions and he decided to stick with them. I gave him my direct number and he understands if he ever has a problem with them, he can call me directly. ************ is a super quality individual. I am glad we could help him.
  
  I trust that this letter provides your office with the information required for resolution in this matter. Should you have any questions or need additional information, please contact me at ************.
  
  Sincerely,
  
  ***********************************
  President
  Signature Servicing LLC

  Customer Answer

  Date: 08/15/2023

  A representative from Signature Servicing called me to apologize for the confusion caused by their portal.  He directed me to the person with whom I needed to discuss my case and concerns.  
  

  Therefore, I rescind my complaint, with your kind indulgence.  I feel much safer knowing that the BBB is one the job.

  Respectfully,

  **************************************  

   

• Initial Complaint

  Date:04/04/2023

  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.

  I enrolled into the program with Signature Servicing, they told me that they would be able to settle my debts at "pennies on the dollar". All was going good until we reached my last creditor that Signature Servicing has been dragging their feet on talking to them. Now, Signature Servicing says that they cannot negotiate with the creditor while my escrow funds are tied up with other accounts, but yet they were handling multiple creditors at a time with the escrow account. So about my final creditor, Signature Servicing was able to get them to agree to a 40% payoff, but the time period was not favorable to my current plan, so they chose to not inform me and allow me to say "yes" or "no". Had I been informed, I would have tried to figure out a way to make it work. Now the debt is in the hands of a law firm and they are demanding 80%, which if you add on Signature Servicing's fees, would be more than the original debt. The long and short is, because they Signature Servicing chose to not inform me of the great payoff, I am going to be out an additional $10,000. I warn anyone and everyone to stay far away from this company, they are looking out only for themselves and do not care about their customers. I want Signature Servicing to accept my 40% payout that I should have been able to take months ago, and they should take the financial hit for failing to communicate with their customer.

  Business Response

  Date: 04/05/2023

  I am ***************************** the owner of Signature Servicing. I just spoke to **************. We are in the process of reaching out to **************' creditor. I agree with **************. If my company failed to inform him of a settlement offer he should not be responsible to pay the creditor more than their best offer. Once we hear from the creditor I will work with ************** to get this creditor settled so he can graduate from our program.

  Thanks

• Initial Complaint

  Date:10/17/2022

  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.

  STAY,AWAY. I signed up with them , They told me, my money was going into an account (they lead you to think it's in a bank) and I have complete control but if you want to close it you have to have them do it .that's just one thing,they tell you they are going to contact all your credit people they don't. I was called to take a deal. they said it was with bank (A) When I was told the amount I said that's high. ***** told me it was given to them at that amount. . At that moment I agreed . Then 10 minutes later I got out my paper work. I was right $$ amount was double they let it go into collection. They said they made agreement with bank . no it was collection company bank sold my account. I was told it was bank they made agreement with . Now I called them back canceled my account .asked me why who was I going to. This is 45 min later. Talked to ***** she grills you .nice when they want your money bad people when you want your $ back. Then I have to talk to next x** he ask same question I get made he hangs up on me . He sends me outdated paperwork tells me if I want my money I have to sign it. So I guess I didn't have controll of my money. I had 451. In my account ask for bank # they give me #. it not a bank it a company called finxera they out of cal. They just print checks .have nothing to do with your money . Now I call up finxera to see if check was printed and what date .He tells me oct 15 2022 .then I ask amount he says 179.$ I called signature to see why they took money out they said they took out fees I wanted to talk to owner the top ******************* was same guy who took my money from my account .I called 3 times to talk with him said he would call me back .0 calls backs Got FTC now looking into them. Read your contract .there are listed as a *******************

  Business Response

  Date: 12/06/2022

  To whom it may concern. My name is *****************************. I am the owner of Signature Servicing. I am very sorry you feel this way about my company. We pride ourselves on giving the best possible customer service in the industry. All complaints from our clients are sent directly to me. I am very surprised that this is the first I am hearing about this. Please feel free to contact me directly at your earliest convenience. My personal cel number is ********** and my email is *************************************** I just need your name and account number and I will be glad to help you in any way that I possibly can. Thank you.

  Business Response

  Date: 12/07/2022

  I spoke to **************** yesterday. He is a high quality individual. I believe that my company could have done a better job explaining to him some of the details of this program. I sent **************** the refund he requested and will gladly help him in the future. Thank You- *****************************