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Credit Solutions of America Complaint - Awful Customer Service at Credit Solutions - Debt Consolidator
Debt Consolidator - Complaint
ADDISON, TEXAS -- Trying to get anything done through Credit Solutions was beyond painful. My MINIMUM time of being on hold with them was an hour. I never talked to a person who had a clue what they were doing, and their "superiors" never got back to me in a timely manner. And when they did they only made unfufilled promises, and nothing ever got done.
The whole "company" is so difficult to work with. I was shocked that the BBB gave them a good review, clearly no one at the BBB apparently ever worked with Credit Solutions.
I ended up settling my debt due to the fact that I had no more patience dealing with this company. Once I called my credit card company they told me that Credit Solutions barely made any contact with them, and communication was scarce. So what exactly was I paying for? Oh yes, being on hold for hours upon hours.
The biggest blow was receiving my settlement letters. For some reason they were "misplaced" for WEEKS and no one knew where they went? They were not handled properly and no could help me. So for WEEKS I had no proof that my credit card debt was settled.
My piece of advice - do not EVER work with this company. And I will be sure to spread the word.
The whole "company" is so difficult to work with. I was shocked that the BBB gave them a good review, clearly no one at the BBB apparently ever worked with Credit Solutions.
I ended up settling my debt due to the fact that I had no more patience dealing with this company. Once I called my credit card company they told me that Credit Solutions barely made any contact with them, and communication was scarce. So what exactly was I paying for? Oh yes, being on hold for hours upon hours.
The biggest blow was receiving my settlement letters. For some reason they were "misplaced" for WEEKS and no one knew where they went? They were not handled properly and no could help me. So for WEEKS I had no proof that my credit card debt was settled.
My piece of advice - do not EVER work with this company. And I will be sure to spread the word.
Comments:
Posted by topher on 2007-10-12:
oh god! i just signed up with them yesterday night. what do i do??? im 9k in debt and just graduated college. currently applied for some jobs but i have no income as of right now and they said they would bring my debt down to 3500!
Posted by disgustedconsumer1001 on 2007-10-14:
email htudor at Credit Solutions. At least someone will respond but you still will get disconnected almost every time you call. And you will pay more than what you started out owing. Work with the Creditor directly if you can or find a trusted debt consolidation company by searching places like this board. NBD and JD Powers endorse this company so don't trust them. Also, on my last account I settled on, I ending up owing $700.00 more on the settlement offer because it changed from September to October. Credit Solutions answer " they have no control over what the creditors do or what their attorneys charge," They do not fight for you. Please dont use this company.
Posted by disgustedconsumer1001 on 2007-10-14:
P.S. htudor@creditsolutions.com is his email address. He is the CFO at the company. Someone will at least call you back and then, as usual, the service goes downhill again.
Posted by disgustedconsumer1001 on 2007-10-14:
I also shared by experience with this company. I don't know how you look it up. Maybe by disgustedconsoumer1001. My 3 cents might want to lump all complaints about a specific company together somehow.
Posted by topher on 2007-10-15:
so what i can just not use credit solutions if i already set things up on thursday?? I can just email them and say i changed my mind??
Posted by EYE on 2008-01-31:
I was also set up at credit solutions and I am ready to pay them next week Feb 8th. What should I do? Do I need to call them or send email that Im going to cancel it? I was trying to check their website they are not BBB Accredited. Give me advice for this thanks.
Posted by lucygoosey on 2008-03-03:
Heath Tudor told you he was the CFO?! That's a laugh! He was the marketing director and was fired in December.
Credit Solutions does not care about you or any of their clients. All they care about are numbers, and not just the ones with dollar signs in front of them--number of clients signed up, number of calls made, number of accounts settled. The sales department (anyone you talk to when you first call to sign up) works on commission only. They don't care about you or the situation you're in. They care about getting you to sign up because it means big commissions and prizes for them. The company runs contests for it's sales department all the time. They give away trips to Tahoe & Mexico, pay a contest winner's mortgage/rent for a month, give out cash like it's Monopoly money, all based on how many people the "Debt Consultants" (as if they're qualified to consult anyone on anything) convince to sign up. Last year, they had a big event called Casino Night where they won "Casino Dollars" which they then used the following Monday morning to "bid" on prizes like iPods, X Boxes, and the grand prizes--2 56" inch plasma screen TVs. When you talk to a salesperson at Credit Solutions, they're trying to hit quotas, not help you. And it's not just to win prizes, but to keep their jobs. You don't ever talk to the same person twice? That's probably because the first person you talked to doesn't even work there anymore. The Sales floor should have a revolving door installed with as high as their employee turnover is. Didn't meet your call quota? Didn't sign enough people up? You're fired. And where do you think they're getting the money to send people on those trips to Tahoe and Mexico, and to pay for all those big prizes? From your service fees. So while your struggling to pay your debts, worrying about arbitrations and lawyers, they're vacationing and playing video games with your hardearned money. Sales people make anywhere from $5K to $25K a MONTH at Credit Solutions. How much do you make while you're trying to pay their fee, pay your debts and keep lawyers off your back? The company doesn't care about you, no matter what they say.
Sales people hardly ever check their email. Why should they? Once you sign up, they move on to the next call and forget about you. They may check voicemail, but if you're calling to complain about or question something, your message gets deleted and they move on. Then they go into the break room and talk about how dumb clients are, how they talked them into signing up, how they're buying new houses and new luxury cars with their commissions. If you heard the way the sales people talk about you and then saw them driving around in their Lexus's and BMW's, you'd be sick.
No, they're not BBB acredited. They have too many compalints against them.
If you've entered into a contract with them, try to cancel it if you can. If you were thinking about it, run the other way. And if you were thinking about getting a job there, run even faster and don't look back. Yes, I use to work there. No, I wasn't in sales. But I was close enough to see everything.
Credit Solutions does not care about you or any of their clients. All they care about are numbers, and not just the ones with dollar signs in front of them--number of clients signed up, number of calls made, number of accounts settled. The sales department (anyone you talk to when you first call to sign up) works on commission only. They don't care about you or the situation you're in. They care about getting you to sign up because it means big commissions and prizes for them. The company runs contests for it's sales department all the time. They give away trips to Tahoe & Mexico, pay a contest winner's mortgage/rent for a month, give out cash like it's Monopoly money, all based on how many people the "Debt Consultants" (as if they're qualified to consult anyone on anything) convince to sign up. Last year, they had a big event called Casino Night where they won "Casino Dollars" which they then used the following Monday morning to "bid" on prizes like iPods, X Boxes, and the grand prizes--2 56" inch plasma screen TVs. When you talk to a salesperson at Credit Solutions, they're trying to hit quotas, not help you. And it's not just to win prizes, but to keep their jobs. You don't ever talk to the same person twice? That's probably because the first person you talked to doesn't even work there anymore. The Sales floor should have a revolving door installed with as high as their employee turnover is. Didn't meet your call quota? Didn't sign enough people up? You're fired. And where do you think they're getting the money to send people on those trips to Tahoe and Mexico, and to pay for all those big prizes? From your service fees. So while your struggling to pay your debts, worrying about arbitrations and lawyers, they're vacationing and playing video games with your hardearned money. Sales people make anywhere from $5K to $25K a MONTH at Credit Solutions. How much do you make while you're trying to pay their fee, pay your debts and keep lawyers off your back? The company doesn't care about you, no matter what they say.
Sales people hardly ever check their email. Why should they? Once you sign up, they move on to the next call and forget about you. They may check voicemail, but if you're calling to complain about or question something, your message gets deleted and they move on. Then they go into the break room and talk about how dumb clients are, how they talked them into signing up, how they're buying new houses and new luxury cars with their commissions. If you heard the way the sales people talk about you and then saw them driving around in their Lexus's and BMW's, you'd be sick.
No, they're not BBB acredited. They have too many compalints against them.
If you've entered into a contract with them, try to cancel it if you can. If you were thinking about it, run the other way. And if you were thinking about getting a job there, run even faster and don't look back. Yes, I use to work there. No, I wasn't in sales. But I was close enough to see everything.
Posted by allimarie on 2008-07-10:
Has Credit Solutions worked for anybody? I have been a member since January 2008 and I saved what I am supposed to each month, and then some. I have a substantial amount of debt as well. I have settled one credit card for 50% of the balance in one payment, and I have just begun settling my second for 45% of the balance in 3 payments. By my calculations, paying an average of 50% of my balances, I should be completely debt free by March 2009, almost 2 years ahead of schedule. Yay! I am not crazy about having to pay a fee to have this done for me, but it is what it is: they are providing a service to me and I am using it. As far as being able to reach people, I have never had a problem. Any time I have a question I don't hesitate to call. I always get a response as well. I receive emails of settlement offers the same day it goes through. Should I be worried if I am saving the money properly? Also, does anyone know approximately how long it will take your credit score to recover after you finish the program? Mine was excellent before I entered the program and now it is pretty awful. I ammainly concerned about the long term effects this will have on my credit as opposed to the immediate ones. I like to think I have everything under control but I don't know what lurks beneath the surface! Any input on this would be wonderful!
Posted by kpowell on 2008-07-26:
I'm very nervous after reading all these posts about our contract with them. We signed on this week on Thursday. Don't companies normally give you 3 days to decide whether you cancel services or not? I thought that was standard business practice. I'm normally very skeptical, and I thought I did my research and homework, but maybe it's because we are so vunerable right now and wanting to get out of debt as fast as possible. I am having second thoughts now. I need someone's opinion asap. thanks!
Posted by tpdwn34 on 2008-10-20:
This company preys on people who are ashamed of their debt and want to do something. I learned a very good lesson. When something sounds too good to be true it is! I was able to get about 1/6 of my money back, but my credit is completely destroyed, and it will take years to work through this. I realize the initial debt was my fault, but by the time I really found out what was going on, my balances had nearly doubled. Do not sign up with this company. They will not help you. Like others have said, they have customer service people who do not know what they are doing, and you never talk to the same person twice. What is more, each customer service person is only allowed 20 minutes of outgoing calls. How much can you really get done in this time?
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