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:08/18/2022

  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.

  This company allowed me to make deposits, paid off one debt and charged me $751 to pay off one debt without informing me that this was going ti happen, before I agreed to settle the debt. The $751 couldve been used to settle another debt. I requested a refund for the $751 and was denied.

  

  Business Response

  Date: 09/11/2022

  Dear BBB,
  

  We are writing to inform you that we have been able to contact **************** to review her concerns and resolve them to her satisfaction. 

  During our correspondence with ****************, we were able to address her concerns regarding the fees associated with her program. After reviewing our internal enrollment calls and the consumers agreement, we were able to determine there was no wrongdoing but can understand *** ******* sentiment. As a courtesy, we can confirm a refund has been provided to **************** in the amount of $250 via ACH on 8/31/22. In addition, we can confirm *** ******* program has been cancelled with National Debt Relief. As a company we try to focus on breaking the cycle for many Americans having to choose between handling their debt and the many necessities for everyday life. 
  

  Should **************** have any additional questions or concerns about this matter, we invite her to contact National Debt Relief directly. 
  

  Sincerely, 
  National Debt Relief
  

  
  

• Initial Complaint

  Date:08/11/2022

  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.

  I enrolled in the debt relief program promised things would work out in my favor in end. Well now 6 months later I am biting sued by my bank for not paying and that NDR never even contacted them regarding my debt consolidation process. I would like full reimbursement and my credit repaired.

  

  Business Response

  Date: 09/03/2022

  Dear BBB,
   
  Thank you for bringing *** ************* correspondence to our attention. We are writing to inform you that we are also currently in the process of reviewing the matter further internally after speaking with ************************** on 8/22.  Our review will be completed within the next few business days, at which time we will follow up with a substantive response to ************ and the BBB. 
  
  Sincerely,
  National Debt Relief.

• Initial Complaint

  Date:08/10/2022

  Type:Service or Repair 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 a credit consolidation agreement with National Debt Relief in 2018. At that time included all of my outstanding debt and agreed to pay a monthly fee while they negotiated a deal with my creditors. Approximately 4 years later I completed my obligation with National Debt Relief and everything was complete as far as I was concerned until I checked my credit report that showed an account with Tractor Supply was overdue. This was because I included that account when I initially enrolled into the program. After seeing this I contacted National Debt Relief and they informed me that there were two accounts with similar balances with **** and the assumed it was a duplicate, which as it turns out isn't the case. I received a call back from National Debt Relief today and I was informed there was nothing I could do because according to them this account was not enrolled and insisted I did not include when I enrolled, not the case. So now I'm left to handle this my own and try to have the negative comments removed from my credit report and hopefully regain my credit score.Bottom line National Debt Relief did not give me the service I signed up for and they agreed to provide and I am less than thrilled with the results and feel it is my civic duty to protect others from this happened to them.

  

  Business Response

  Date: 09/02/2022

  Dear BBB
  We are writing to inform you we were able to contact ****************** to review his concerns in greater detail.
  

  During our correspondence with ****************** on 8/22/22 he was able to provide updates from his correspondence with his creditor and was advised by them that they are no longer collecting on the debt owed. ****************** informed us he attempted to resolve the debt directly with the creditor however they were not willing to accept any form of payment since they debt was written off. ***************** was informed they will be issuing a 1099C for the account in which he is currently awaiting to receive.
  

  Should ***************** have any questions or concerns in the future we invite him to contact National Debt Relief directly.
  

  Sincerely,
  National Debt Relief 

  Customer Answer

  Date: 09/07/2022

  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 still have not received resolution to the original issue and since the original complaint an additional negative **** has landed on my credit report due directly to the company's neglect. I want this negative entry to my credit report removed and they have the ability to accomplish this.

  
  

  
  

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

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

  

  Business Response

  Date: 11/23/2022

  Dear BBB,

   

  This email is to provide an update to complaint ID #******** for **************************

   

  Our client Success team is currently in active email communication with ****************** regarding this matter. 

   

  Sincerely,

  National Debt Relief

  Customer Answer

  Date: 11/29/2022

  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:08/08/2022

  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 signed up for National Debt Relief in 2019 to pay off my debt. They say the will charge on average 15% - 25% in fees for each account settled. They have charged me the following % of my debt in fees on my accounts:Cap. One 45.02%Synchrony 45%Target 64.58%Cap. One 68.31%Kohls *****%******* 50.24%Mercury 66.79%FNB *****%******* 35.11%Community 54.09%Synchrony 74.54%Community *****%******** 60.42%My debt should be paid off this year but they are dragging it out to November 2023. I pay $538 and I started with a payment of $400. They continued to go up on the amount I had to pay.

  Customer Answer

  Date: 08/08/2022

  I just recently learned of the larger than promised fees. I learned about them when National Debt Relief changed the way they shared information on their website. It now shows each individual account, the settlement amount, the percentage of debt to settlement ratio and the fees. Before the updated site, it just showed the debt owed and the settlement amount.
  
  I have no problem with that part but I am just now learning about the fees.

  

  Business Response

  Date: 09/01/2022

  Dear BBB,
  

  Thank you for providing National Debt Relief with *********************************** correspondence. We are writing to inform you that we have been able to contact ********************************* as of 8/15/22 to review her concerns in greater detail. 
  

  As expressed in *********************************** agreement our fee for settling each enrolled account is 23% of the original balance from when the account was enrolled in our program. The percentages ********************************* has provided above reflect the settlement percentages for each referenced account that has been resolved at this time. Our goal as a company is assist our consumers with resolving their debt at an estimated 50%. In some instances, opportunities may be higher or lower than estimated which is why every settlement opportunity is reviewed with each client via phone or email to obtain their approval. At this time, we are actively working to assist ********************************* with resolving her remaining enrolled creditor and will be reaching out to her to provide updates once available. 
  

  Should ********************************* have any additional questions or concerns we invite her to contact National Debt Relief directly. 
  
  Sincerely,
  
  National Debt Relief
  

  
  

• Initial Complaint

  Date:08/03/2022

  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.

  I sent a check to NDR to get my accounts resolved within 30 days but as of today it has been 60 days. They have lied to me about contacting my accounts since 1/30/2018. They contacted me 3 weeks ago because they had the wrong account number for one of my accounts. They told me in the very beginning they would contact all my creditors and let them know I was going through them to get them resolved. That didnt happen. They have moved my pay off date several times and didnt ever tell me why. I feel they are dragging this out because they want more money for themselves. I didnt come up with the check amount they did. I do think they have been consistent with lying about all my accounts. I feel I have been deceived. I just want to get this resolved ASAP. Please help me.

  

  Business Response

  Date: 08/26/2022

  Dear BBB,
  

  Thank you for forwarding *** ******** correspondence to our attention.  National Debt Relief is committed to providing consumers with the best quality service possible. We are actively working on getting this matter clarified and resolved, and we hope to have this completed shortly.
  

  Thank you again and we look forward to a successful resolution.
  

  Sincerely,
  National Debt Relief
  

  
  

• Initial Complaint

  Date:08/01/2022

  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.

  In June 2022 I contacted National Debt Relief and paid a "Settlement Amount" of my account balance.They informed me that within 30 days I would be receiving a letter that my debt had been satisfied and my account had been completely resolved. To keep the account open until the account was resolved and a letter was issued 3 additional withdrawals from my account would be necessary. Those withdrawals were taken from my bank account on 6/15/22 $25 : 6/30/22 $25 : 7/15/22 $25.The withdrawals went through on the noted dates and I have been awaiting my account resolved letter. I have not received my letter and further more they withdrawn an additional $388 from my banking account as of today 8/1. I want the $388 returned immediately along with any additional overdrafts meaning the (3) $25 withdrawals plus any additional finds that I am owed. I want the promised letter stating that the account has been resolved.

  

  Business Response

  Date: 08/25/2022

  Dear BBB,
  

  Thank you for forwarding *** ****** correspondence to National Debt Reliefs attention. We are writing to inform you we were able to contact ************** on 8/4/2022 to review his concerns in detail. 
  
  During our correspondence with **************, we were able to review his concerns regarding his deposit from 7/31/2022 in the amount of $388.00 and inform him the deposit did not clear. During our review additional adjustments were made to *** ****** program to ensure no future deposits would be pulled from his personal account. In addition, we were able to finalize his remaining creditor payments for his CHASE CARD account ending in (****) on 8/9/2022 to successfully graduate ************** from the program. We have since attempted to follow up with ************** via phone to review these updates regarding his account but have been unsuccessful at reaching him. 
  
  Should ************** have any questions or concerns we invite him to contact National Debt Relief directly. 
  
  Sincerely,
  
  National Debt Relief

• Initial Complaint

  Date:07/26/2022

  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.

  I have been with National Debt Relief since 2017 and it has been the worst thing I ever did. They promise you to be out of debt within a certain time frame and they promise to resolve with creditors that will not work with them. National debt takes their piece off the top while you are trying to ***** pinch to pay their upfront fees. With a lot of hardships in the past 5 years all they provide is lip service without going to bat for their client. Yes I have had problems making the huge monthly deposits they require. They initially made a settlement agreement with ***** several years ago for $3000 and because of my Hardships a payment was missed so I completely lost the settlement agreement. National Debt recently said ***** made another settlement offer of $10000, three times as much as the first!! I have over $6000 in the National Debt account that can be used to settle this debt which is more than the original settlement offer and nothing has been done and I wait!! 5 years of this holding me hostage and threatening I will lose the negotiations.

  

  Business Response

  Date: 08/19/2022

  Dear BBB,
  

  Thank you for bringing *** ********* correspondence to our attention. We are writing to inform you that we were able to contact ******************** on 8/3/22 to review her concerns regarding her program. 
  

  During our correspondence with ********************, we were able to identify her request to expedite negotiations for her remaining creditors. At this time, we are working diligently to reach an arrangement on her behalf for her Chase account ending in ****. Our goal is to provide ******************** with an update as soon as we receive feedback from her creditor. 

  Should ******************** have any questions or concerns we invite her to contact National Debt Relief directly. 
  
  Sincerely,
  
  National Debt Relief
  
  

   

• Initial Complaint

  Date:07/22/2022

  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.

  They totally lied to me about everything! Told me my payments I made every two weeks would be to put towards my debt. They also told me that at the end of me paying off my debt I would get a credit repair program. And the person I talk to you when I signed up also told me that once I pay on one credit card to keep making payments because the money that I keep putting into it will go towards my next credit card and that they would charge me a one time fee for negotiating all of my credit cards. But this was all a lie and also told me that they will get my credit card debt down but instead Im paying more then with my credit card debt was they are charging me a percentage of each credit card debt that I have for negotiating to so-called lower my debt for each credit card. This is nothing what I was told when I entered the program to lower my debt and then once I realize what was going on after five years I talk to them about credit repair and they told me they no longer do that since 2018 and I signed up August 2 she said and they stop doing it August 1 of ******************************************************************************************************************************** go with them because at the end at one of my credit repaired. This place is a total scam and the sales people will tell you anything to get you to join every time I call them I get a different answer or whats going on when I look at my portal you cant see all of that even though its my fault because I didnt see the little arrow at the bottom that you press to look at the details of it but I trusted them of what the salesman told me when I added into the program now Ive paid way more than I even needed to pay then my dad originally was one of them they charge me almost $3000 more for negotiating another one almost $2000 for negotiating there was no way I would have went to this program if I was told that but I wasnt he said a one time fee

  

  Business Response

  Date: 08/15/2022

  Dear BBB,
   
  Thank you for providing ******************** correspondence to our attention. We are writing to inform you that we are also currently in the process of reviewing the matter further internally after speaking with ****************** on 8/2.  Our review will be completed within the next few business days, at which time we will follow up with a substantive response to ****************** and the BBB. 
  
  Sincerely,
  National Debt Relief.
  
  

  Customer Answer

  Date: 08/16/2022

  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: Yes I got a response

   but it was not satisfactory I was offered $200 for I guess the miscommunication I dont know but Im not happy about it I even asked to speak to someone that would let me get the recording of the conversation but I was told they dont think that I would be able to get the recording of the conversation because I know what I was told there was no way I would ever pay that much money for them settling in well I couldve just did that myself and pay more than my debt was and then get myself even in more debt  dealing with them. I even canceled my last credit card with them and settled with them myself which auto pay way more dealing with them because National Debt Relief was trying to get me to take a loan out with them to pay off my next credit card and plus paying them this place this company is a total rip off and I will not let this go especially offer me $200 when I know how I was explain The program Im not crazy I would never pay them a percentage of what I owe for each credit card they settle and I had like three or four credit cards that were high one was like I think $11,000 and then they never even said anything about them telling me how I would have a credit repair at the end when this program had already ended   ************ is a total scam 
  

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

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

  

  Business Response

  Date: 08/29/2022

  Dear BBB,
  
  Thank you for forwarding ******************** correspondence to National Debt Reliefs attention.  National Debt Relief is committed to providing our consumers with the best quality service possible.  We are writing to inform you that we have reviewed this matter further internally and have been reaching out to ****************** to review her concerns in further detail. Once we are able to make contact with ******************, we will be able to provide additional updates regarding this matter.
  

  Thank you again and we look forward to a successful resolution.
  

  Sincerely,
  National Debt Relief
  

  
  

  Customer Answer

  Date: 09/15/2022

  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.I will be submitting a form to make this not public since the issue has been resolved thank you
  
  Sincerely,
  
  *************************
  
  
  
   
  
  

• Initial Complaint

  Date:07/21/2022

  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 this company in 2020 to settle 3 of my outstanding debt accounts. The reason I went with this company is they told me they had legal protection that would protect me from any of the creditors taking legal action against me. They had given me a length of the program and a max ****** I would be paying monthly. I was instructed this company would be sending out letters to my creditors upon our contract completion advising them they were taking over the accounts/negotiations. Fast forward about a year later, I am being served papers that one of the creditors has taken legal action against me for 2 of the 3 accounts I had enrolled. I reached out to National Debt Relief in a panic and they tell me that they had not reached out to **** of America yet but they would do so now that they have filed against me. This is not at all what I was told prior to signing up. After this incident, they tell me it's because they had to save up money into my account before they could reach out to them but now that there was legal action against me they had no negotiating power so I needed to up my monthly payments or extend out the program. The offer they are giving me is the same offer the creditor had offered me before joining this program. They have tried to bully me into accepting it multiple times but on top of paying that ****** they want a negotiation fee for it. For what? I was offered this from the creditor before signing on to their services. What a scam. I am going to end up paying more than the original debt I owed before I entered the program and now my credit is trashed along with it. The entire time they were saying they were "saving up money" before reaching out to my creditors, they were paying themselves lump ******* instead. They don't allow you to sign the contract on your own either. They force you to set up a call with them and then send it to you while you're on the phone so they can rush you through the agreement. They are a scam.

  

  Business Response

  Date: 08/15/2022

  Dear BBB,
  

  Thank you for forwarding *** ********** correspondence to our attention.  National Debt Relief is committed to providing consumers with the best quality service possible. We are actively working on getting this matter clarified and resolved, and we hope to have this completed shortly. Based on *** ********** request we are working on communicating with her via email.
  

  Thank you again and we look forward to a successful resolution.
  

  Sincerely,
  National Debt Relief
  

  
  

  Customer Answer

  Date: 08/16/2022

  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:

  I am still waiting to hear back from the company. As they mentioned, I have requested communication be via email for documentation purposes. Their only response back to me has been to give them a call. They have not been resolving this with me via email as they stated. 

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

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

  Customer Answer

  Date: 08/31/2022

  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]

   This company does not make efforts to inform of any possible legal action. Prior to signing up with this company, they used the selling point of protection from legal action as one of their main points. While its hidden in the consumer agreement, they do not allow potential clients to review the agreement prior to signing on a call with one of their sales members. They paraphrase through the whole agreement while you sign. I have requested this recorded call and they have denied sending it to me sighting they have reviewed it on their end and see no issues with how their sales rep ***************************** ************** *** *** *******They also do not state that it may end up being more than what they quote they will settle. They say they also settle at minimum at least 50% and sometimes better so you might not even pay the amount they are quoting. They are conning people into accepting their program and then squeezing them once they are already enrolled. 
  

  They also called and connected me to a loan option once I was already enrolled that tried to aggressively bully me into signingup for a loan that would cost me 3 times the amount of debt i initially had. They are taking advantage of people that are now well versed in the financial world and should be held accountable for their current practices. 

  I would not have such a big issue if they allowed their clients to review the agreement on their own. There should be no reason its a requirement to be on the line with an agent before they send you the agreement. Their excuse is it saves time.
  

  
  As far as my accounts, there has been no negotiation on their end as **** of America offered me these settlements prior to joining this program. Now I have the same amount of debt + legal action against me + I owe this company a fee for negotiating when they have done nothing. I am in a worse off spot since joining this program than before I joined and find that unacceptable. 

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

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

  

  Business Response

  Date: 10/27/2022

  Dear BBB,

   

  This email is to provide an update to complaint # ********.

  At this time, our dedicated Client Success representatives are communicating directly with ***********************  We care about our clients and appreciate the opportunity to find a solution.

   

  Sincerely,

  National Debt Relief

• Initial Complaint

  Date:07/14/2022

  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.

  we enrolled in a credit settlement program.They claimed to settle our credit card debt, within 2 years, November 2023.if we stopped using the credit cards, which we did.signed up for 2 monthly payments, direct deposited to there payment holder.They have not lived up to there agreement, we settled one amount.Then they tried to sell us a LOAN thru them, we told them NO.They next settlement offers, extend beyond November 2023, and go further into 2024.This is a bait and switch.We told them 3 times now those offers are not acceptable and gave them an acceptable number,not beyond November 2023.We also told them we have further hardship and are now unemployed.This did not seem to matter to them, they keep sending the same offer amount, only its getting higher.as apparently charges are still happening late fees and other ****.When we asked the operator, can you not see our previous comments, they said they get erased.They really, do no care in helping us.We want out, and the world notified this is a SCAM.

  

  Business Response

  Date: 08/06/2022

  Dear BBB,
   
  We are writing to inform you that we are also currently in the process of reviewing the matter further internally.  Our review will be completed within the next few business days, at which time we will follow up with a substantive response.
  
  Sincerely,
  National Debt Relief.