I contacted this company to help me consilidate my debt. I scraped up enough to pay close to $300 (promised to be returned to me at the end) to enroll with them. From the first week - which was actually with their enrollment company called Consumer Credit Counseling back in the end of 2004 - I felt like things were not as they should be.
I kept calling to find out what was happening because things were not progressing as I'd been told they would be, and each time it was because something wasn't in their system properly. Something that I'd written clearly or repeated several times over the phone.
They had no problem taking money out of my account - especially when I called them to dispute a bounced check fee from them on my account and re-repeated my account number to them!
Finally payments started being made to my creditors however I received numerous calls from creditors saying I was past due and that the proposal for consolidation by FCCC had been denied. They weren't even sure who FCCC is! I also received notice by USPS mail that these proposals had been denied.
The creditors stated firmly that they never accept a proposal without a payment - ever. FCCC stated that they ALWAYS send in the proposal and the payment later and the creditors knew that. FCCC claimed they had an acceptance letter from my creditors on file and that they would continue to make payments.
However, consolidation has yet to be done because I still receive over-limit and late fees yet I am still paying FCCC a $35 fee each month for maintaining the minimum balance - something I could do myself for free! Every time I called to get things straightened out I was placated insulted or intimidated by a customer service member with promises that never followed through.
I am so far in debt now because they said they would help but it took them 5 months (including the run-around with their enrollment company) to even attempt a payment. They have yet to live up to their business promises.
Green Brook, New Jersey