• Report: #252750

Complaint Review: Credit Solutions

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  • Submitted: Wed, June 06, 2007
  • Updated: Thu, July 05, 2007

  • Reported By:Helena Alabama
Credit Solutions
15601 Dallas Parkway, Suite 700 Addison, Texas U.S.A.

INVESTIGATION: 100% customer satisfaction, safeguards for their clients - Credit Solutions helps clients by reducing unsecured debt - debt free in 3 years or less. Consumers can feel confident & secure when doing business with Credit Solutions of America
*UPDATE ...Rip-off Report Investigation: Credit Solutions of America pledges to resolve complaints. Commitment to Customer Satisfaction Program. Consumers can feel confident & secure when doing business with Credit Solutions - Assisting clients by reducing unsecured debt - debt free in 3 years or less.

*Author of original report: refund after submitting complaints

*UPDATE EX-employee responds: The answer to your question

*Consumer Comment: I have a question

*UPDATE EX-employee responds: Follow my instructions and you will get your money back

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Rip-off Report Investigation:
Credit Solutions gets a POSITIVE RATING in customer support from the Rip-off Report. They are continuing to show their constant commitment to provide excellent customer service. Credit Solutions has done everything in their power to make sure that all their customers are happy, and continue to resolve any possible issues that could arise. Credit Solutions contacted us to resolve any issues and mostly misunderstandings being posted by former employees who had been let go from the company due to lack of performance. With over 750 employees and nearly 70,000 clients in a constantly changing and often difficult business, Credit Solutions is bound to be the subject of complaints.

Rip-off Report's investigation found that most complaints had already been resolved, and in many cases it was just a misunderstanding, but more importantly also found that Credit Solutions was prompt to make things right. Credit Solutions went above and beyond with their 100% satisfaction guarantee to provide help to almost 70,000 families get out of debt. Credit Solutions is committed to resolving complaints quickly and doing everything possible to satisfy its clients. It also takes appropriate action against any of its representatives who are found to have conducted themselves in a less than perfect manner and rewards employees who give service above and beyond to their clients We believe that the number of complaints against this company, whether through the Internet or other channels, is very small when put into the context of its size and the nature of their business. Most debt settlement companies would never commit themselves like Credit Solutions has to the Rip-off Report Corporate Advocacy Program. They are a unique shining example of commitment to the customer in their field of work. Read our investigative report and Credit Solutions of America 100% commitment to customer satisfaction.

Read more about Credit Solutions of America and their commitment to total customer satisfaction. Consumers doing business with members of the Corporate Advocacy Program can feel confident and safe when using a members product or services.

Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,..A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.


Credit Solutions Ripoff stole thousands of dollars rude customer service that give you the run around thieves who are in breach of contract expensive do not help reduce your debt at all Addison Texas

I enrolled with in March of 2006. I have participated in this program for a year and have payed thousands of dollars for their assistance in reducing my debt.

In the beginning this company claims to be able to reduce your debt and stop harassing phone calls. This is a lie. I received numerous calls from debt collectors on a daily basis. These collectors even contacted my family members. Credit solutions was supposed to be the buffer between the creditors and me. They were not.

Several creditors will not work with companies or even speak with companies like credit solutions. I was not informed of this upon enrollment. I was guaranteed that my debt would be resolved in 3 years and I would never face legal issues regarding my debt while enrolled in their program.

I was served papers one morning and immediately called credit solutions so they could handle the matter. The matter was not handled and I eventually had my wages garnished. This was the last straw.

I decided to unenroll in the program and demanded a refund of over $5000 of the money I had paid them to do a job that they failed miserably at. I received the run around on the phone for an entire day. I was spoken rudely to, hung up on, and transferred numerous times to only end up leaving a message with an answering service.

Once I was finally able to unenroll in their bogus program I was told I would be notified in 72 hours of whether or not my refund was "approved". I waited over a week for an answer. I called everyday wanting to speak to the person in charge and was never able to.

I never received a refund and am now in more debt than I began with. These people need to be put out of business.

Helena, Alabama

This report was posted on Ripoff Report on 06/06/2007 12:26 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Author of original report

refund after submitting complaints

AUTHOR: Lacey - (U.S.A.)

After the horrible treatment I received from Credit Solutions I quickly filed complaints with the Rip Off Report and the BBB of Texas. About a week later I was contacted by a credit solutions employee regarding the complaint I filed with the BBB. She offered me all of my money back minus $630 if I retracted the complaint. I gladly took the offer, retracted the complaint and went on my merry way.

About a month after this instance I received another phone call from a different credit solutions employee offering me free services to settle all of my debts. I thanked them for the offer but explained that I recently had to file for chapter 7 bankruptcy to do the worsened financial state they had put me in. She apologized for this and said have a nice day. I received another phone call from the same employee offering me the remainder of my money back if I retracted the complaint from the Rip Off Report. I received the money about a week later.

I hate that I had to go through all of this in order to get my money back. They did return it, but after a lot of hassle and emotional distress on my part. At least they ended up doing the right thing.
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#2 UPDATE EX-employee responds

The answer to your question

AUTHOR: Bob - (U.S.A.)

You can cancel their program at any time and have no further obligations to pay their fees. They may not sue you for the remainder of the service fee.
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#3 Consumer Comment

I have a question

AUTHOR: Lwinmar - (U.S.A.)

Can they sue you since you signed a contract with them for stopping the automatic payment from your account before their fee is paid in full?

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#4 UPDATE EX-employee responds

Follow my instructions and you will get your money back

AUTHOR: Bob - (U.S.A.)

Call the customer service number and ask to speak to the manager. 800-648-4590 Tell them that you are still waiting on your refund and if nothing is going to be done about this that you will contact the FTC (federal trade commission) and also the Texas Attorney General and file a lawsuit against them. You will most likely have a check overnighted to you. I worked there for quite some time and have seen this done on numerous occasions. Also if you read some of the other posts, thats exactly what people where doing.
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