CFPB COMPLAINT DATABASE
80 real consumer complaints filed against National Debt Relief LLC at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
The 30 most recent complaints against National Debt Relief LLC where the consumer chose to publish their narrative.
This company is calling me before XXXX and after XXXX. I have included a screenshot of the last phone call after XXXX. I call back but nobody answers for me to say, stop calling. They shouldn't be allowed to sollicit people so late and so often. XX/XX/year> XXXX am XXXX pm XXXX pm XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX
I enrolled in a debt settlement program with National Debt Relief and made consistent payments into the program over time. Despite my participation and multiple deposits made into the account, my debts were not successfully resolved, and some accounts progressed to collections and legal action. Throughout the program, I experienced inconsistent results due to fluctuating payment requirements and lack of clear guidance. While I understand payments are required, I was not properly informed of the risks of falling behind or how this would impact the success of the program. I was led to believe that my accounts would be handled and protected from escalation, which did not occur. When I attempted to cancel my enrollment, I experienced extremely unprofessional and aggressive behavior from representatives. I was told I could not easily unenroll and that I would owe additional fees, which felt misleading and coercive. I repeatedly requested cancellation and eventually exited the program.…
Upon returning to my old cell number listed, they started calling me on XX/XX/XXXX of XXXX. They first called from the number XXXX, they called again on the XXXX of XX/XX/year> from the number XXXX, they called again the following day on the XXXX from the number XXXX, and then called again an hour ago today on the XXXX of XXXX from XXXX. I do not owe money to anyone and i never signed up for them to call me, i just want them to stop calling me.
On XX/XX/year>, I contacted National Debt Relief to formally discontinue my services and requested the return of all remaining funds held in my dedicated savings account associated with my account. At that time, I was informed by a representative that my refund would be processed within XXXX business days. Since submitting my request, I have made multiple attempts to follow up regarding the status of my refund. During these communications, I have received inconsistent responses from different representatives regarding the status and timing of the refund. On XX/XX/year>, I was contacted by a supervisor who apologized for the delay and stated that the refund would be processed and that I would receive my funds by XX/XX/year>. However, the refund was not issued as promised. On XX/XX/year>, I contacted the companys service department again to follow up. During this communication, I was informed by a representative that the supervisor had not completed the refund as previously promised.…
Dear Attorneys at Law. Please take into consideration the following. This email is intended for the recipients only ( Insert name. ) If you are not the intended recipient of this message, disregard this email. The following recipient. Name : ( Insert name ) has a Pending Lawsuit ; to avoid any legal actions, please come to an understanding with the debtor. If the following request is not met, understand that this will result in the subsequent consequences. CREDITOR : XXXX XXXX NO LONGER HAS ANY LEGAL RIGHTS WITH THIS ACCOUNT CASE FILE : XXXX. # XXXX DUE AMOUNT : {$3600.00} ACCOUNT SOLD TO XXXX XXXX XXXX XXXX, Debt Collection Law Firm : IF YOU WANT TO SETTLE, REPLY TO THIS EMAIL WITH YOUR INTENTIONS. We wanted to inform you about an outstanding debt under XXXX XXXX : XXXX. # XXXX. The total balance at placement is {$3600.00}, and the debt is currently with a debt collector. If you want to settle this debt.…
History can be found here on case : XXXX - National Debt Relief claimed they would help me and assigned their XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX NY XXXX Local Tel : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX This XXXX claimed they filed a response but today I got a statement from XXXX XXXX XXXX with a default judgement as if nothing was done at all by anyone. I have emails from XXXX and Their XXXX that this would be managed by them and nothing was done by them.
I signed up with National debt relief in an effort to improve my credit. After a year of being told that I was building up a " savings account '' that would be transferred to my debt after settlement. After reading many negative online reviews for this service. I called to then cancel my service. When I called I was told I'd incur a {$500.00} fee for the services rendered and that the remaining money would be transferred back to me ( It was almost {$6000.00} ). After time I needed to take about this decision, I decided to cancel the service only to be told that all of the money was for a " fee paid to national debt relief '' and that only around {$860.00} was coming back to me. This is stealing. Not a single person told me I was to pay National Debt Relief first, and I was always told that the money I was paying was going towards my debt, only a portion of the money I was paying was to go towards fees for services rendered.…
I am filing this complaint regarding National Debt Reliefs handling of my account and what I believe to be a material misrepresentation of a payoff amount. During a recorded phone call with a National Debt Relief representative in XX/XX/year>, I requested the total amount required to fully close out my account. I asked multiple times whether the quoted figure represented the final amount necessary to be completely finished. I was led to believe that it did. Based on those representations, I deposited the exact quoted amount into my dedicated savings account. After the funds were deposited, I was informed that a portion of those funds was applied toward remaining negotiation fees rather than toward the creditor payoff. As a result, I was told that a remaining balance of {$5100.00} was still owed to the creditor ( XXXX account ending in XXXX ).…
After completing a thorough review of your account. We can confirm that of the {$5900.00} you've deposited : {$1300.00} has been paid to your creditors, {$2700.00} has been collected in negotiation fees, {$560.00} has been paid in monthly maintenance fees, and the remaining balance of {$1300.00} is in your dedicated savings account That is what they sent me. I was told up front that all fees were included in the settled amount. I had money sitting in a dedicated savings account and nothing had come out and I was under the impression that before anything did come out, I would be notified. They did not notify me and when i went to check it last I expected to see almost XXXX in there and then I saw only XXXX and called them. They said I still have XXXX something left to pay. The settlement was for XXXX. I thought something doesn't seem right here. So out of no where they just took all that money. I really thought I was over halfway to being done.…
Monthly they take {$250.00}. They said I would be sent free in 27 months at that rate. One debtor has taken me to court. I was told not to make any payments for leverage. I stopped my payments, my credit is now destroyed, and I still have debtors I originally informed NDR about. My 27 months is almost up and there's no way that they gave me the correct deposit and monthly payments, XXXX had hired their legal team option, but they didn't get the info I was sending to them about being sued. They have done nothing about the lawsuit against me. They asked me to sign another contract with the debtor that is suing me. I refused as it is their responsibility to have me debt handled in a 27 month period. They will say that they are still working on my case, but no.one has called me in months. These people are.waiting.fkr the contract to run out so that they can cover their mistake and leave me to the collection agencies and the courts.…
I enrolled with National Debt Relief ( XXXX ) after being told they would begin negotiating my credit card debt within approximately XXXX days. Instead, my creditors went unpaid for over XXXX months while XXXX continued withdrawing money from my bank account. During this time, XXXX did not contact my creditors, did not notify them of my enrollment, and did not take any meaningful action on my accounts. Because XXXX failed to notify my creditors, I received constant phone calls, emails, and threats of wage or asset garnishment. My accounts became severely delinquent, and my XXXX XXXX dropped below XXXX. XXXX also did not disclose that payments made to them are not reported to credit bureaus, meaning consumers receive no credit benefit while their accounts deteriorate. I specifically requested that XXXX pull my enrollment interview recordings because I felt that several key details including the fact that payments to XXXX do not help your credit were never disclosed to me.…
I am submitting this formal complaint regarding my experience with National Debt Relief and what I believe to be misrepresentation, improper handling of designated funds, and unauthorized cancellation of negotiated settlements. I enrolled in National Debt Relief based on the clear representation that I would pay approximately {$7500.00} in total to resolve my debt. At the time of enrollment, my total debt was approximately {$10000.00} or less. I was told that, based on their calculations, I would complete the program having paid around {$7500.00}. This representation was the primary reason I agreed to enroll. As the program progressed, the total amount I have paid has continued to increase. At this point, I have paid nearly the equivalent of my original debt, while also suffering damage to my credit, prolonged financial stress, and significant emotional distress.…
I enrolled in XXXX XXXX XXXX program with the understanding that it would provide a structured, effective path to resolving my debts and protect me from escalating collections and legal action. Instead, my experience reflects a pattern of misleading representations, delayed or ineffective negotiation, and significant financial and legal harm. My account reflects a claimed savings of {$800.00} on a XXXX XXXX settlement. This figure is misleading because it excludes {$500.00} in National Debt Relief fees required to complete the settlement. When fees are included, the actual savings were approximately {$290.00}, not the amount represented. Additionally, the platform prominently displays projected debt reduction figures in a manner that suggests anticipated or expected outcomes. These are projections only, not guaranteed results, yet they are framed in a way that reasonably misleads consumers regarding the true benefit of the program.…
We enrolled with National Debt Relief nearly three years ago to resolve multiple unsecured debts. One of the enrolled accounts had an original balance of approximately {$1300.00} and was owned by XXXX XXXX XXXX. For a significant period of time, this account was not actively negotiated due to a clerical or administrative error by National Debt Relief. We were later informed that the delay was not the result of creditor refusal or lack of available funds, but an internal issue on NDRs part. This contributed to the account remaining unresolved for an extended period. After nearly three years in the program, the account was placed into litigation. National Debt Relief then presented a final settlement offer of approximately {$1500.00}, which after fees would have required us to pay approximately XXXX XXXXXXXX than the original enrolled balance. We declined this offer as unreasonable.…
I enrolled with National Debt Relief believing my payments would be used toward resolving my debts and that creditor negotiation and program support would be provided. At enrollment, I spoke by phone with a National Debt Relief representative named XXXX XXXX, who explained the program and its operation. Based on those representations, I believed my payments would be used toward resolving my debts and that fees would not be taken upfront before any settlements occurred. Between XXXX and XXXX, I paid approximately {$3200.00} into the program. Of that amount, over {$2400.00} was taken as program fees, including a large upfront fee withdrawal of {$1800.00}, despite no debts being successfully settled. After discovering that fees were taken upfront before any settlements occurred, I contacted National Debt Relief by phone and explained that this was not how the program had been represented to me at enrollment.…
I began my account with National Debt Relief in XX/XX/year>. I was working a job that was live in required at the time, so there was no rent prior to opening my account. My workplace was becoming I creating toxic to XXXXhe point of multiple medical episodes including collapsing and XXXX XXXX. So I moved out and needed to stop being my XXXX because it was about as much as a rent payment a month. Payments were approximately {$640.00} per month. Unfortunately my medical issues caused by that job experience left ongoing and chronic pain and ither health issues. In XXXX I decided to explore bankruptcy because my medical costs and tbis payment left me with no money for food or other necessities. For context, I am paying between $ XXXX {$120.00} every week for treatment. When I called to share my circumstances and that I needed to close my account, I was coerced into stay when I was clearly under distress that time. I shared that I was not doing well, that I am working XXXX jobs etc.…
Company : National Debt Relief Product/Service : Debt settlement / debt relief program What happened I enrolled in a debt relief program with National Debt Relief around XXXX At enrollment and during early communications, I was instructed to stop making payments on my credit card accounts as part of the programs strategy. At the time, the risks of this instruction were not clearly or meaningfully disclosed to me. Specifically, I was not adequately informed that stopping payments would severely damage my credit, trigger collections, permanently harm my relationships with creditors, or limit my future ability to obtain credit even after the program ended. I followed the advice provided because I relied on the companys expertise and representations. As a direct result, my credit deteriorated significantly, accounts were charged off or sent to collections, and my ability to work with banks and lenders was harmed long-term.…
National Debt Relief has a XXXX dollars in profits based on many illegal practices. I worked there for XXXX months and realized month after month of reporting ways to fix massive customer complaints that it was the customer that was right and my employer who was lying. I have proof beyond a reasonable doubt that I was hired, trained and PAID to commit telemarketing fraud and lie to customers about many things. I took notes of my concerns and documented my proof. I realized I could never reach my necessary sales goals because they rig the system and so that large commission payments go to about XXXX people out of over hundreds or thousands of reps. The turn over rate is well over 90 %. I was getting ready to look for another job because of these illegal practices until I stumbled upon outrageous conduct. XXXX managers were TRAINED to use wire fraud to steal my income through falsified illegal entities to reduce my worked hours.…
I enrolled in a debt relief program with National Debt Relief in XX/XX/XXXX. After settling XXXX of the XXXX accounts, I paid the payoff amount as instructed, using funds from a home equity loan taken out specifically to pay off debt. I followed all program instructions, including deferring payments while negotiations were ongoing. XXXX creditor remained unresolved for several months without escalation. During this period, I was served with a lawsuit by that creditor on XX/XX/XXXX. Only after I was served did National Debt Relief escalate the account and quickly negotiate a settlement XX/XX/XXXX. Because of the prolonged delay before escalation, I incurred approximately {$2900.00} in additional costs related to litigation and added charges.…
I am a client of National Debt Relief ( NDR ). On XXXX, NDR collected a negotiation fee of {$1300.00} and {$82.00} on XXXX for my XXXX account ending in XXXX. This fee was collected without my consent and in direct violation of the FTCs Telemarketing Sales Rule ( TSR ) regarding advance fees. An automated AI/computerized system called me with a settlement offer, which I explicitly rejected. However, the system incorrectly recorded my response as an acceptance. Despite my immediate notification that I did not approve this settlement, NDR has refused to refund the fee to my Dedicated Savings Account. Instead, they are attempting to hold my funds as a 'credit ' for future services. Per the TSR, a debt relief fee is not earned until a settlement is reached, the client has expressly authorized it, and at least one payment has been made. None of these conditions were met. By refusing to refund my money, NDR is holding an illegal upfront fee.…
I contacted National Debt Relief to pay off my debt. I was already paying XXXX XXXX XXXX XXXX and others, who made false impersonation of who they are. So I called canceled credit sage and contacted my bank to get a refund, it is still in the process. I think its the same people that hacked my phone and now pretended to be National Debt Relief and asked for my information, my social, name, birthday and address. What fees I pay and so on. They are scammed with a made up name and email XXXX phone number XXXXXXXX XXXX XXXX. He claimed to be Debt consolidation and had all of my information but how I cute them thanks to XXXX, if I asked him for his ID number to verify the it was legit. He said he didn't have one and that is extension number is his ID. Pretending to have accept. They have all of my personal information. Can you please freeze all 3 credit accounts. They can use my information for anything.
I contacted National Debt Relief to negotiate and settle payments with 7 creditors but only 2 has been paid off since XX/XX/year>. They settled for XXXX and the other XXXX. I have paid National Debt Relief XXXX for the past 2.5 years. I am currently paying them monthly to pay only two creditors who National Debt pay one creditor XXXX and the other XXXX monthly. I am disappointed that 4 other creditors are sitting on the program who has not been contacted.
I am submitting this complaint as a follow-up because National Debt Reliefs prior response did not resolve the issue or provide restitution. National Debt Relief charged me fees before providing a completed, valid settlement agreement in accordance with the Telemarketing Sales Rule ( 16 CFR Part 310 ). These fees were deducted while negotiations were incomplete, unclear, or misrepresented. I am formally requesting a full refund of all fees charged. To date, National Debt Relief has not returned my funds and has not provided documentation demonstrating that the fees were earned in compliance with federal law. I am disputing the entire fee amount. I am requesting that this matter be resolved with a full refund no later than XX/XX/year>. If this issue is not resolved by that date, I intend to escalate the matter to additional oversight bodies, including my State Attorney Generals Office, the Better Business Bureau, and other applicable regulatory agencies.…
Approximately 2 to 3 months ago I reached out to National Debt Relief actually I was trying to apply for a loan and was redirected to them and signed a contract with them that went against everything they told me to write down that they were providing the services for. They told me that I would be getting deposits into my checking account in the amounts of {$290.00} twice a month. I was told that this money was to pay off my creditors after they get them to lower my settlement amount. Every attempt that was made to withdraw money from my account was labeled as direct deposit because they knew that they lied to me and told me they would be doing deposits. Well this morning at approximately XXXX a.m. on XX/XX/year> I woke up in the middle of a dead sleep checked the notifications on my phone and found three more failed deposits on my checking account. I reached out to the bank and explained it to them everything that's been going on for the past several months.…
I signed on with national debt relief to work with my creditors to lower my amounts or interest rates. After reviewing the terms and the program overall I was misled about particulars of this program. I requested to opt out of it and get my first payment back of {$370.00}. They say theyre going to deposit the money back in my account. Ive called them eight times and I get a different story every time and yet they have not refunded my payment as they promised
I am filing a complaint regarding a debt relief company ( national debt relief ). I enrolled with this company to assist in settling multiple credit card debts. I currently have approximately {$600.00} into a dedicated account as part of the program. The company successfully settled one account, which I was paying as agreed. However, the company did not settle my XXXX XXXX account, which subsequently escalated to a lawsuit. Due to this increased financial harm and risk, I terminated my participation in the program. After terminating the program, I requested the return of the remaining funds in my dedicated account. The company is refusing to return the money and claims it must be applied to fees, despite no settlement being completed using those remaining funds. I believe withholding my funds under these circumstances is unfair and deceptive. I am requesting assistance in obtaining the return of the remaining balance in my account.
I want to check my credit score and this company is reported a hard inquiry on my credit and I dont even know what this company does or what is it for? Yeah hes sitting on my credit. I try to get in contact with the company, but theres no records of me with them therefore I tried dispute in it With the three major crowd of bureaus and he still pull back into my credit. It needs to be a bigger investigation or a better one so you guys can know that doesnt belong to me. It needs to be removed.
I want to check my credit score and this company is reported a hard inquiry on my credit and I dont even know what this company does or what is it for? Yeah hes sitting on my credit. I try to get in contact with the company, but theres no records of me with them therefore I tried dispute in it With the three major crowd of bureaus and he still pull back into my credit. It needs to be a bigger investigation or a better one so you guys can know that doesnt belong to me. It needs to be removed.
Company : National Debt Relief, LLC Product/Service : Debt Settlement / Debt Relief Services Complaint Narrative I enrolled in National Debt Relief, LLC to resolve multiple unsecured debts, including a XXXXXXXX XXXX XXXX credit card account that NDR represented as fully enrolled in their program. Despite my enrollment and ongoing payments, I was served with a legal summons by XXXX. Prior to this, NDR informed me the account was in pre-legal status and instructed me not to contact the creditor, stating that NDR would address the matter. This representation proved inaccurate. During my enrollment, NDR repeatedly provided incorrect or incomplete information, failed to process authorized drafts, and allowed settlements to be lost without timely notice or opportunity to cure.…
Company : National Debt Relief, LLC Type of Complaint : Debt relief / debt settlement services Consumer Name : XXXX XXXX XXXX Time Enrolled : Approximately XXXX years Complaint Summary : I am submitting this complaint regarding National Debt Relief, LLC ( NDR ) for misrepresentation of services, excessive fees, lack of transparency, and financial harm resulting from their debt relief program. I enrolled in the National Debt Relief program approximately XXXX and a half years ago. During this time, I have paid a substantial amount of money into the program. However, the majority of my payments were applied to National Debt Reliefs fees, not to resolving my actual debts. I was instructed by National Debt Relief not to pay my creditors directly, which resulted in increased balances, collection activity, and legal exposure. Several accounts progressed to third-party collection agencies and law firms as a result.…
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