Complaints
Customer Complaints Summary
- 471 total complaints in the last 3 years.
- 235 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:05/18/2025
Type: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 matter is regarding the false explaination and lack of transparency from the National Debt Relief program practices with the client seeking for debt relief guidance. National Debt Relief led me to believe that my debt could be resolved with the creditors, not telling me that the client has a history of not settling. Thus because I was advised to prove a "financial hardship" with the creditors I was advised not to pay the monthly bill. This practice caused my debt to increase on the credit cards debt relief through National Debt Relief to double from ongoing late fees added to original balance. I spent more paying off the original balance. National Debt Relief caused me to spend more money than my original owing balance to the creditors. Other clients who are entrusting debt relief guidance/assisting need to know that National Debt Relief is not a practice transparency in their business with seeking clients.Customer Answer
Date: 06/02/2025
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 and the matter has been resolved.
Sincerely,
***** ******
Initial Complaint
Date:05/13/2025
Type: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.
National Debt Relief is a program that pretends they are there to help. They are just like any creditor agency. If youre in debt, call the companies up yourself. Over the course of 8 months, they resolved only 3k, while charging my nearly another thousand, after I decided to educate myself and pay my credit off without their assistance.
Business Response
Date: 05/19/2025
Hello,
Thank you for taking the time to speak with us about your concerns. We appreciate you sharing your feedback and are happy to have been able to assist you.
Please feel free to give us a call at ************ with any further questions.
Sincerely,
National Debt Relief
Initial Complaint
Date:05/13/2025
Type: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 answered an ad saying National Debt Relief (***) could help me pay off my debt in 6 months or so; they did say it would affect my credit score, but that as soon as the debt was paid off my credit score would come back up. They wanted me to add a loan for my business because they couldnt get the total to where they needed it, but I only had five months left to pay on the loan. I entered 7 debts into the program, but my bank, ****, wouldnt stop the automatic payments to their own credit card, so I had to drop that from the program. *** would liked for me to have switched banks to stop the payments, but I said no. They lowered my payment to them, but now I fear its going to take so long for them to be able to negotiate any payoffs with these creditors, that it will be detrimental for me financially to continue in their program. Their website says 6 months they have negotiated 50% of their clients debt; I just dont see how this can be remotely possible in my case for years.Business Response
Date: 06/06/2025
Hello,
Thank you for taking the time to speak with our client success team about your concerns. We will be following up with any account updates as they come and we welcome you to give us a call at ************ if you have any further questions or concerns.
Sincerely,
National Debt Relief
Customer Answer
Date: 06/07/2025
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 and the matter has been resolved to date. I am in contact with one of their supervisors regularly, which I very much appreciate, I still have my doubts that this was the best solution for my situation; however, I am seeing it through.
Sincerely,
***** *******
Initial Complaint
Date:05/12/2025
Type: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.
National Debt Relief (***) made promises and assurances to assist us in settling debt with several credit card companies, and we began paying for their services in February 2024. Since that time, they have not only done very little to reach settlements with our creditors, while we continued to pay them $288 twice monthly (a whopping $576 per month), but they also advised us not to engage directly with any of our creditors even as these creditors began to threaten to take us to court. Finally, one of our creditors served my husband with court papers and a date to appear last November. At that time, an *** legal team member was still not able to reach an agreement with the creditor. We reached out to *** multiple times prior to this event about the possibility of court, and each time we were told that they would handle it and we didn't need to worry about it. Well, now we are facing court again due to their false and misleading counsel, all while they continued to drain money from us. When my husband tried to address this with an *** representative by phone today, they hung up on him! We are a hard-working couple with four young children just trying to survive, and we just want out of this nightmare. Please help. Thank you.Business Response
Date: 06/05/2025
Hello,
Thank you for taking the time to speak with us about your concerns. It is our goal to create great experiences for our clients and we will be back in touch when we have another settlement or update for you. We ask that you please give us a call back at ************ if you have any other questions.
Sincerely,
National Debt Relief
Initial Complaint
Date:05/06/2025
Type: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 am working with National Debt Relief. They said I would not be charged extra for the program I signed up for. They have received $8,239 from me since I signed up. They have paid my creditors roughly $1700 and paid themselves the rest. They say I have a $0 account balance and now owe $800 for a new offer. This was never explained, and now I have to reject the offer. My credit is gone, and now they are telling me I need to pay more, only six months in.Business Response
Date: 05/19/2025
Hello,
Thank you for taking the time to share your feedback. Our client success team would like to speak with you about your concerns but have been unable to reach you.
Please give us a call back at ************ so we can ensure all of your questions are addressed. We look forward to assisting you.
Sincerely,
National Debt Relief
Initial Complaint
Date:05/05/2025
Type: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.
So, I made account to help with my debt but I start to have problems with making the deposits because life just throw me a curve ball and I just could not afford anymore. So, I canceled the program and I am told I owe all these other fees that no one told me about and no everyone I talk to is being unprofessional and very rude.Business Response
Date: 05/09/2025
Hello,
Thank you for sharing your feedback and taking the time to speak with us about your concerns. We appreciate the opportunity.
Sincerely,
National Debt Relief
Initial Complaint
Date:05/05/2025
Type: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 April 3rd I received a call from National Debt Relief about my account. I told them because of my situation I can not make a payment anytime soon. So the person on the phone said she will put my account on pause for 60 days which means no automatic payments too. Not even a month later they took money out of my account 348 dollars. I reached back out to them to see if they can cancel it and they denied to cancel it. I'm currently trying to get the full 348 back but because of all the fees I'm only looking at 171 back which makes absolutely no sense especially after I was told money would not be withdrawn from my account until 60 days has pass. No im behind on my car payment due to their faulty system, and behind on my phone bill. Does this not sound illegal?Business Response
Date: 05/19/2025
Hello,
Thank you for taking the time to share your experience. We appreciate your feedback and are grateful for the opportunity to speak with you about it. If you have any further questions, you may reach us directly at ************.
Sincerely,
National Debt Relief
Customer Answer
Date: 05/24/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:[Your Answer Here]
I called you guys before and still couldn't get my money back
In order for the BBB to appropriately process your response, you MUST answer the question above.
Sincerely,
****** ********
Business Response
Date: 06/11/2025
Hello,
We are sorry to hear you remain unsatisfied. We see that you have withdrawn a total of $2,211.60 from your dedicated savings account since late 2024 so we have not yet been able to secure a settlement for your enrolled account due to lack of available funds. Please give us a call at ************ so we can discuss your account further.
Sincerely,
National Debt Relief
Initial Complaint
Date:05/02/2025
Type: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 in the National Debt Relief Program to manage my debt. In the short time that I was enrolled in the program, I had little contact with my creditors. *** only managed to acquire settlements on two of my past-due accounts. I decided to cancel my enrollment with their program and enroll in another debt relief program. At the time of the cancellation, I had a little over $300 in the savings account used to pay off my debt. Even though there was over $300 in my savings account, I only received an ACH deposit of *****. The rest of the money has gone to "settlement fees." I want the BBB to be aware of this, as I feel this constitutes fraud on the part of National Debt Relief.Customer Answer
Date: 05/12/2025
Better Business Bureau:
National Debt Relief has issued a refund.
The response made by the business in reference to complaint ID ********, and this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
**** ******
Initial Complaint
Date:05/01/2025
Type: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 m getting email every day from this company and the SUBSCRIBE option takes you to another marketing page.Business Response
Date: 05/02/2025
Hello,
We apologize for any inconvenience experienced by receiving our promotional emails. Your provided contact information has been submitted to be opted out of future contact. Please let us know if there is another contact method that needs to also be opted out.
Sincerely,
National Debt Relief
Customer Answer
Date: 05/04/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:Friday May 2, 2025 I received 3 emails with unwanted promotion from ********************* see attached. Im hoping that is the last time I would hear from them.
Sincerely,
******* ******
Business Response
Date: 05/21/2025
Hi *******,
Thank you for sending these screenshots. The attached email screenshots show that the sender is not in fact National Debt Relief and if you scroll to the bottom of each email screenshot you sent, you can see a second unsubscribe button for each, next to what is indicated as a different company than National Debt Relief. Additionally, the part of the email next to the button posed as a National Debt Relief unsubscribe button indicates that version of email is from 2023.
We urge you to visit ******************************************************************; and either block or mark those emails as spam.
Please do not hesitate to give us a call directly if you have any further questions.
Sincerely,
National Debt Relief
Initial Complaint
Date:04/30/2025
Type: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 4/22 I was told that if I deposited $1722 and change, that my program would be paid in full and finalized by 4/30/25. I authorized $1725.00 to be sure this would be done and closed. Well it is 4/30/25 and they are now asking for more money. Not one of my accounts are pending creditor approvals, or showing a pending settelment. WHY?? Because they are scammers.This company has erronous fees, upon fees and doesn't listen to the customer. I wanted credit cards paid off in full and they are making payments instead. I didn't authorize payments to *****, yet they are entering me into an agreement... They are scam artisits!Business Response
Date: 05/09/2025
Hi *****,
Thank you for reaching out about your account concerns. We appreciate you taking the time to speak with our client success team and allowing them to assist you.
Please do not hesitate to reach out with any further questions or for updates.
Sincerely,
National Debt Relief
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