• Report: #73467

Complaint Review: Consolidated Credit TRUSTED BUSINESS | Ripoff Report Verified Safe™ …businesses you can trust. Consolidated Credit offering credit & debt solutions, housing counseling, financial advice, corporate financial wellness for consumers seeking to consolidate credit card debt, other bills, & rebuild credit.

  • Submitted: Sun, November 30, 2003
  • Updated: Wed, April 08, 2015

  • Reported By:Redmond Oregon
Consolidated Credit Counseling Service
5701 West Sunrise Blvd Fort Lauderdale, Florida U.S.A.

Consolidated Credit TRUSTED BUSINESS REVIEW: Consolidated Credit one of largest credit counseling agencies in country. Consolidated Credit employs certified credit counselors who assist clients to gain financial freedom. Consolidated Credit an ISO 9001:2000 Registered Organization, member of Association of Credit Counseling Professionals, United States Chamber of Commerce, & Greater Fort Lauderdale Chamber of Commerce. Consolidated Credit dedicated to100% client satisfaction.
*UPDATE: Consolidated Credit pledges commitment to always improving operations by joining Ripoff Report's Corporate Advocacy, Business Remediation and Customer Satisfaction Program. A program benefiting consumers by increasing confidence when doing business with a member business. Consolidated Credit recognized by Ripoff Report Verified™ as a safe business service.

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Ripoff Report Verified™ REVIEW

EDitor's UPDATE: Positive rating and recognition has been given to Consolidated Credit for its full commitment to quality customer service.

Ripoff Report's discussions with Consolidated Credit have uncovered an ongoing dedication by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any concerns. Consolidated Credit listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.

Consolidated Credit's Director of Eduction April Lewis-Parks stated, "We are dedicated to helping Americans with personal finance education and debt issues. [continued below]....
..... Our utmost priority is our client success of getting out of debt and becoming better money managers.”


Consolidated Credit is Ripoff Report Verified
Ripoff Report Verified™ .. part of Ripoff 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..

The information provided in this report below is based on comments made by April Lewis-Parks during an onsite inspection held by a third party verification company with no biases toward Consolidated Credit Counseling.

Consolidated Credit Counseling is a nonprofit organization that does community outreach, PSA, and looks for consumers who are looking for help with credit card debt, budgeting, and finances. April Lewis-Parks the Director of Corporate Communications explained the business model further by stating, "we counsel people on how to better manage their money, live within their means, wise uses of credit, credit scores, and how to ready credit reports.”

Consolidated Credit Counseling uses several different mediums in order to obtain leads, "we have TV and radio commercials. So people will see those and call. We have community outreach. We do a lot of seminars, and workshops... we have over 235 community partners. Then we have other credit unions and banks that we deal with. We do seminars and write booklets on their behalf. So people that belong to the banks or the credit unions need they will typically come to us because of the bank and the credit union handing out our materials." Ms. Lewis-Parks went on to describe the typical experience that a client would experience with Consolidated Credit Counseling, "when a person is looking for help we’re primarily a call center, however we do business online and in person as well... If they fill out the form online then a counselor will call them. Nothing can be done; no one can enter into an appropriate program or get counseled without interaction with a certified credit counselor. So once the counselor determines what the main issues are with the consumer then they will counsel them accordingly... [if] it’s a good option for them, those are the people that we end up counseling and they end up on the program for 3-5 years as a long term client. So they come in and go through the budget analysis, and they work with the counselor. Then all of the credit card issuers would receive a budget a negotiation proposal... they agreed to go on the debt management program if you concede interest, wave any late penalties that they have already been receiving. So if the credit card companies accepts that term, that amount every month, will give you a lower interest rate and lower fees. So once all of the creditors are contacted and they all agreed to the negotiation proposal then that information would be sent to the consumer. The consumer would sign a debt management program, and agree not to use the credit cards. Agree not to open any new credit cards while in the program and state that they adhere to pay the monthly payment on time every month. Then a copy of that would be sent to all the credit card issuers, and then they would be on the program. Every month they would pay whatever the set amount is on the date and we do most everything auto draft.”



CUSTOMER CARE & COMPLAINT RESOLUTION FROM CONSOLIDATED CREDIT

During the onsite interview Ms. Lewis-Parks was asked to describe a situation where a client was not satisfied with the level of service they received. She stated, "we have 60,000 clients so it’s a lot of people. Were not perfect. We don't make everyone happy all the time. It’s just the way it is. People call and join the program and they’re a good fit, and their on it and they feel relieved and so happy to get on it because now they feel there in control. Their interest rate is reduced and on a plan. Then the negotiation process with the credit card issuers is sent out. Sometimes the credit card issuer doesn’t want to take it. Sometimes they want more money. Higher payment. So sometimes it comes back to us. Now the consumer might think their all set and don’t expect the credit card issuer to come back and say 'no no no'. So then that changes the terms of what that person talked about with the counselor and the payment might get raised. That would be the most common issue. And it is completely out of our control. We can’t make the credit card issuers take the money. Actually about 90% of the time they do. But there is that 10% where they say that payment is not acceptable. So in the consumers mind they feel like what happened. I thought I was all set. And then they have this to good back and start over. So sometime that will put someone in an off-putting position. Usually when we explain to them. Once they get a client service rep on the phone and explain to them which creditor it is and the consumer can also call the credit card company to verify the information." In order to deal with complaints like this an attention team is in place that follow up with people who are unhappy or need more information on items of the program. This has been a successful form of follow up for Consolidated Credit Counseling.

When asked to comment on complaints posted on Rippoff Report's website Ms. Lewis-Parks believes that these comments were posted by an ex employee, "the claim that is the most recent is a disgruntled employee. So it’s utter garbage... [the employee stated that] we are all thugs and I mean it is just crazy. I think if most people read it they be like this person is crazy or they have a personal vendetta it’s not a client. The ex employee actually quit to go work somewhere else. He resigned and then he didn’t get hired at the other job and he wanted his job back but we decided not to hire him back because he resigned and he is sort of mentally unstable. After you read the Ripoff report you will glean that.”

When asked what type of changes they have made to honor their commitment to make things right with the customer per the request of Ripoff Report, Ms. Lewis-Parks stated, "we have an active program where we reach out to people that are unhappy, and either if they are unhappy with the service because they didn’t feel like they received the level of service from a particular customer service representative or counselor then we deal with those issues. All of our phone calls are recorded so every counseling session and interaction with the clients is recorded. So if someone does have a complaint against a certain counselor or a client service rep we can go back and listen to the recording and we address with that team member to see what happened. If it’s something about the negotiation process with the creditors we have a client retention team that’s their job to go in and help people understand the process if they were unclear and not satisfied with the new payment. Anyone can stop the program and anytime. It’s not legally binding, no negative repercussions, no fee for them to pay. If they say you know it’s not for me and they want to drop out it’s just a wash. A setup fee of about $25 can be refunded to them as well.”

Consolidated Credit Counseling is pleased to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program. Ms. Lewis-Parker further explains by stating, "it means a lot to us. We know that the Ripoff report does have a reputation and high ranking in Google and so we definitely want consumers to know that we care about them and we care about anyone who is unhappy with the service and that we want to address any problems or issues anyone has.”

CONSOLIDATED CREDIT / STATEMENT FROM THE EDUCATION DIRECTOR APRIL LEWIS-PARKS

"At Consolidated Credit, we understand how stressful and overwhelming debt can be, but we can help you get out of debt and get your life back. For more than 20 years, we've helped over 5 million Americans. Our certified credit counselors work with you to develop personalized strategies for beating your debt problems for good. We are an ISO 9001:2000 Registered Organization and a member of the Better Business Bureau, Association of Credit Counseling Professionals, the United States Chamber of Commerce and the Greater Fort Lauderdale Chamber of Commerce. We want you to know this because many other credit counseling services don’t have our credentials, and they don’t have your best interests in mind. We invite you to do your homework and research other credit counseling services. Consolidated Credit's certified counselors are industry leaders in providing credit counseling and debt management programs throughout the United States. If you choose us, we’ll customize a program that’s right for your financial circumstances and advise you on how to better manage your money and debts. We’ll also help you develop a budget and provide you with educational programs, professional counseling and financial instructions. Consolidated Credit takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, "takes employee satisfaction seriously as well. Client feedback is very important to us. When you’re struggling with debt, you want to know you’re choosing the right company to help you find debt relief. At Consolidated Credit, we’re proud to say that in 20 years we've helped over 5 million consumers find the relief they need. At ConsolidatedCredit.org you will find stories and reviews from real clients who have used our credit counseling services successfully to eliminate debt and regain financial control. " Ripoff Report was pleased to learn that Consolidated Credit's past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.”



CONSOLIDATED CREDIT DEBT SOLUTION SERVICES

"Choose the right path to overcome problems and regain financial stability.

Debt problems are draining – financially, emotionally, mentally and sometimes in the worst cases, they can even affect your physical health. So when debt problems strike and cause financial distress, it’s critical to find a solution as quickly as possible so you can regain control.

Of course, like any financial challenge, you probably weren’t taught how to solve debt problems in school. So how do you wade through all of the options available and how do you decide which option is right for you?

This section of our website is designed to help you find the right solution for your debt problems. If you still have questions or need help finding the right solution for your unique financial situation, call us today at 1-800-320-9929 and ask for help now with a request for a free Debt & Budget Analysis.

Keeping Your Debts Under Control

Ideally, you want to develop strategies that allow you to maintain control over your debt payments. This involves budgeting carefully to make sure your debt payments can be covered without sacrificing other things that you need.

Consolidating Your Debt to Avoid Distress

When you start to struggle with credit card debt payments and other unsecured debts, your first consideration should always be to consolidate. This rolls all of your debt obligations into one payment at the lowest interest rate possible.

Credit Counseling: Professional Help for Debt Problems

If you can’t solve debt on your own, your next move should be to contact a certified credit counselor. Credit counseling is designed to evaluate your debt and offer personalized advice on your debt options to regain control.

Enrolling in a Debt Management Program

If you can’t get out of debt on your own, your credit counselor may recommend a debt management program (DMP) – designed to help you pay back everything you owe in a way that’s manageable with your current budget.

Explore Other Debt Solutions

When you can’t pay back everything you owe, even with a debt management program, you still have options that will allow you to regain your financial control. You may face credit damage, but it may be worth it for a fresh start.

Understanding Your Credit Rights

When it comes to debts and collecting payments on debts, creditors and lenders are bound by the law – but they don’t always follow it to the letter. It’s important to know your rights as a consumer.”



STATED IMPROVEMENTS FROM CONSOLIDATED CREDIT

Consolidated Credit recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report's review, Brandefined has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.

In summary, after our review, which included discussions with Mr.Way and Mr.Clancy, Ripoff Report is convinced that Consolidated Credit is committed to quality delivery of services resulting in total client satisfaction.

Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.

Read about Ripoff 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.

As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer.

NOW TO THE ORIGINAL REPORT THAT WAS FILED

----------------------------------

Consolidated Credit Counseling Service RIP-OFF-Consolidated Credit Counseling. Debit relief. Failed to make timely payments. Kept the the extra money sent them. BEWARE THEY ARE GOOD AT THIS. Fort Lauderdale Florida

Seems that Consolidated Credit Counseling Service is consistant. My complaint is to simular to others, therefore I disbelieve Gary's rebuttle in other posts.

August 2,2003 I recieved an approval package from CONSOLIDATED CREDIT COUNSELING SERVICE . I was to fill it out and return it to CONSOLIDATED CREDIT COUNSELING SERVICE with a $10 membership fee "which turns to a monthly fee or what ever they want to call it, $10 a month to them" sending it Priorty mail. This way CONSOLIDATED CREDIT COUNSELING SERVICE could get things going immediatly to help out my situation.
August 9,2003 I mailed everything CONSOLIDATED CREDIT COUNSELING SERVICE requested.
Same time frame I contacted CONSOLIDATED CREDIT COUNSELING SERVICE asking what I should do about my payments to my creditors.--
I had 2 Credit cards Mastercard and Visa from the same financial Institution, I had closed both accounts a year ealier. I had never missed a payment and it was important that CONSOLIDATED CREDIT COUNSELING SERVICE would make my payments on time. I was told not to worry about it that "They CONSOLIDATED CREDIT COUNSELING SERVICE would take care of everthing and not to send a payment".

August 11,2003 I made my payments myself.

August 30,2003 I sent CONSOLIDATED CREDIT COUNSELING SERVICE $125.00. $85 To cover my credit card payments $10 for CONSOLIDATED CREDIT COUNSELING SERVICE fee $35 to be paid extra on one of the cards. My credit card payments are due on 17th and 20th of the month.

THEY MISSED THEM BOTH AND DIDN'T PAY THE EXTRA MONEY ON EITHER.I sent a letter with the payment outlining everything.

***THEY REQUESTED THE INFO BACK PRIORTY MAIL,RECIEVED PAYMENT 2 WEEKS EARLY. HAD A MONTH AND A HALF TO SET UP THE ACCOUNT AND FAILED.***

I now have late payments on my statments. The CONSOLIDATED CREDIT counselor keeps sweet talking me, says it not them. My credit card company states they missed the Sept. payment "Which CONSOLIDATED CREDIT COUNSELING SERVICE did" thats why the missed payment is on my record.
I had to contact CONSOLIDATED CREDIT COUNSELING SERVICE about the missing money. I guess they thought it was "bonus money" for "Boneing me".
CONSOLIDATED CREDIT COUNSELING SERVICE pays your payments after they're due. This way it takes you an extra month before you can ensure everything is ok. I send CONSOLIDATED CREDIT COUNSELING SERVICE payments at the beginning of the month. CONSOLIDATED CREDIT COUNSELING SERVICE doesn't make the payments until the end of the month "which I am responible for in the middle of the month"

I have all the documentation and may post it here if need be. Thier rebuttles to the others are lies as far as I'm concerned They.ve RIPPED_OFF over 100,000 voiceless people that are getting thier voice back.

In all fairness they did get my interest rate lowered as promised. What difference it makes, NONE when all the payments.

CONSOLIDATED CREDIT COUNSELING SERVICE will not save your credit !! CONSOLIDATED CREDIT COUNSELING SERVICE will infact create bad credit where there is none.

DON'T BE FOOLISH LIKE THE REST OF US HAVE BEEN

CONSOLIDATED CREDIT COUNSELING SERVICE AKA WWW.DEBTFREE.ORG

Richard
Redmond, Oregon
U.S.A.

This report was posted on Ripoff Report on 11/30/2003 04:17 AM and is a permanent record located here: http://www.ripoffreport.com/r/Consolidated-Credit-Counseling-Service/Fort-Lauderdale-Florida-33313/Consolidated-Credit-Counseling-Service-RIP-OFF-Consolidated-Credit-Counseling-Debit-relie-73467. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
0Author 4Consumer 3Employee/Owner
Updates & Rebuttals

#1 REBUTTAL Individual responds

Gary "Misinformed or Misleading"

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

Gary here are letters I wrote to Consolidated. You keep harping on that last payment. Well as you'll read it is addressed along with several others. Like the Gold Club Rip-off and the slush fund which in your guildlines by another name.

Now remember This all started in August of 2003. These letters start in November 03. I'd have to scan the originals which I will do if nessasary, Sorry gary the only one I have from Consolidated is the missed payment liar I'mean letter. One more thing how many $10 amonth payments does your non-profit company recieve monthly Gary? How many extra $9.95 monthly payments?

*********************************************
Richard
Acc#xxxxx
Redmond, Oregon 97756

Consolidated Credit November 4, 2003
Counseling Service


Dear Customer Service Rep.

I have noticed that Consolidated is not forwarding my complete payment to my creditors. Below I have outlined our brief history. Please take care of these ambiguities, as interest is accruing on the unpaid portion, as you know.

Date Payment Dispersed to#7233 Dispersed to#5212 Your fee Balance
Sept. 30,2003 $125.00 $61.00 $45.00 $10.00 $9.00
Oct. 29,2003 $125.00 $46.00 $30.00 $10.00 $36.00


I have written a letter with every payment. Expressing my wishes for the balance. I was told that any over payment would be applied accordingly. Please apply any and all over payments to #7233 as it has the most due.
Providian has also documented that my payments are Past Due. This was not the case until your service started handling the accounts. The truth of it is, I paid Providian for the month of August myself after I was assured you would take care of it, then sent your company my September payments 2 weeks early so you would have plenty of time to make them on time. Your company was late making them. Honestly, am I better off with or without your company? Without you, I would have a higher interest rate, but all my payments would be in on time and all the money would go where it's suppose to. This lack of diligence may or may not affect my credit history. It defiantly has made a mark on my payment history with Providian, which they will share.

Please if your company cannot handle this situation, let me know before the damage is surmountable.

Richard
ACC# xxxxxx

**************************************

Richard
Acc#xxxxxx

Redmond, Oregon 97756


Consolidated Credit December 4, 2003
Counseling Service


Dear Customer Service Supervisor,


I have noticed that Consolidated is not forwarding my complete payment to my creditors. Below I have outlined our brief history. Please take care of these ambiguities, as interest is accruing on the unpaid portion, as you know.

Date I sent payment Payment Amount Date Consolidated Made payment Dispersed to#7233 Dispersed to#5212 Your fee Balance Unaccounted For Accumilated Bal.
Total
Aug. 30,2003 $125.00 Sept. 30,2003 -$61.00 -$45.00 -$10.00 =$9.00 $9.00
Oct. 4, 2003 $125.00 Oct. 29, 2003 -$46.00 -$30.00 -$10.00 =$39.00 $48.00
Nov. 18,2003 -$30.00 $ 18.00
Nov. 4,2003 $125.00 Dec. 1,2003 -$46.00 -$30.00 -$10.00 =$39.00 $57.00
Dec.5,2003 $125.00


I have written a letter with every payment. Expressing my wishes for the balance. I was told that any over payment would be applied accordingly. Please apply any and all over payments to #7233 as it has the most due.

Providian has also documented that my payments are Past Due. This was not the case until your service started handling the accounts. The truth of it is, I paid Providian for the month of August myself after I was assured you would take care of it. I then sent your company my September payments 2 weeks early so you would have plenty of time to make them on time. Consolidated Credit was late making them, which created the late payment. Honestly, am I better off with or without your company? Without Consolidated Credit, I would have a higher interest rate, but all my payments would be in on time and all the money would go where it's suppose to. This lack of diligence may affect my credit history. It defiantly has made a mark on my payment history with Providian, which they will share.


Consolidated Credit offers a REWARD PROGRAM for timely payments that's ironic considering. Consolidated Credit also incinuates that PAST DUE ACCOUNTS may be able to be brought current. My accounts are past due because of Consolidated Credit and you can't even get them current.

I feel totally taken advantage of and mislead. Consolidated Credit has put more stress on me than any creditor has ever. I came to you for help and only received hurt. Consolidated Credit has thrown salt in my wound. My situation is totally out of control. I have asked for responses and get nothing. The person that I first dealt with there says he can do nothing, at least I can contact him.

I also noticed that others have posted on the web very similar situations with Consolidated Credit. Although Consolidated Credit has attempted to discredit these claims.

Please if your company cannot handle this situation, let me know before the damage is surmountable.

Richard
ACC# xxxxxx
Xxx-xxx-xxxx

************************ *********

RICHARD
Acc#XXXXX7

Redmond, Oregon 97756


Consolidated Credit December 27, 2003
Counseling Service


Dear Customer Service Rep.


I have enclosed your letter of 12/17/2003, stating that I am late on my payment and the last time you received a payment was 11/11/2003.
This ambiguity is consistant with the way Consolidated Credit Counseling Service is operated. Western Union has the payment in Question being cashed on 12/11/2003.
Consolidated Credit Counseling Service has consistently miss handled the funds that where entrusted to Consolidated Credit Counseling Service by myself. Consolidated Credit Counseling Service has made payments late to my creditors in which I was never late, Consolidated Credit Counseling Service charged for a service which I never agreed or was aware that I was part of, Consolidated Credit Counseling Service did not disperse all the funds that were sent to Consolidated Credit Counseling Service to be dispersed instead Consolidated Credit Counseling Service maintained an on the books account.
I talked with Consolidated Credit Counseling Service on 12/05/2003 about this matter and was promised that it everything would be taken care of, Consolidated Credit Counseling Service promised to: ensure the late payment that Consolidated Credit Counseling Service created would be cleared ; that the service that I was unaware of which cost $9.95 would be canceled, and that the funds that I sent over my required amount and the funds that Consolidated Credit Counseling Service were holding would be applied to the account that I had originally requested they be applied to.
I have just verified with Providian that on 12/16/2003 you made a payment on account
#x-x-x-7233 of $30.00 and that account #x-x-x-5212 is past due.
I am distraught at this. I have tried everthing and nothing has helped. Consolidated Credit Counseling Service was suppose to help me. Consolidated Credit Counseling Service has did more damage. I've called, written, sent all my payments way early and over the amount to pay off early.

Richard W
ACC# XXXX7

Copy to file

***************************

RICHARD
Acc#xxxxx
January 15, 2004
Redmond, Oregon 97756





Dear Board of Directors
Member satisfaction unit.



I am writing this letter as I am dissatisfied with your services. This letter will act as a suumary to the following. The client statement I received is incorrect. I have been charged for a program that I never signed up for. The Gold program. I have included a copy of my signed membership and all the papers that Consolidated Credit Counseling Service requested I provide. No where in there is anything about my agreeing to participate in the Gold program. I have also included letters to Consolidated Credit Counseling Service outlining payments showing amounts unacounted for. These amounts included the $9.00 which I was being charged. I am requesting that Consolidated Credit Counseling Service credit the amounts totaling $27.00 to my account and apply them to my Providian account ending in 7233 immediately without delay.
Enclosed also is a copy of a money oder I sent to Consolidated Credit Counseling Service in the amount of $125.00. This payment shows to have been cashed. I have requested a tracer and a copy of the cashed money order from Integrated Payment Systems as directed on the reverse side of the money order reciept. This tracer cost $12.00. Prior to my request I Faxed Consolidated Credit Counseling Service a copy of the money order and have yet to here anything.
Consolidated Credit Counseling Services mismanagement of funds entrusted by myself is not being taken lightly. These funds total $27.00 evidenced with the probable addition of the $125.00 pending the out come of the cashed MoneyOrder.
I request a written response to this letter within 30 days. This is an attempt to rectify this situation again. Consolidated Credit Counseling Service has a problem with responding to requests by mail, and a bigger problem fulfilling the lip service they promise on the phone.
I have opted to send payments to my creditors myself in lieu of the continued actions of Consolidated Credit Counseling Service with are gradually worsening. This is not a request to discontinue services. Consolidated Credit Counseling Service owes me money and I believe Consolidated Credit Counseling Service will find away to keep this money if I discontinue your service.

Richard Wright


****************


RICHARD
Acc#xxxxx

Redmond, Oregon 97756


Consolidated Credit February 02, 2004
Counseling Service


Enclosed please find a copy of the cashed Money Order 06-8xxx92xxx cashed on 12/10/2003. This is in fact the same money order that Consolidated Credit Counseling Service claims they never received. I had to pay an additional $12.00 to verify that indeed Consolidated Credit Counseling Service received it. This money order was never credited to my creditors. I made several phone calls and even faxed copies of the receipt to Consolidated Credit Counseling Service. The account number on the Money Order is incorrect. This was pointed out to Consolidated Credit Counseling Service and verified that it could not have been mistakenly credited to the wrong account number. Given that fact that I always include a letter to Consolidated Credit Counseling Service because my account has been consistently mishandled from the very beginning. The mismanagement of funds by Consolidated Credit Counseling Service is out of control.
Please disperse the funds from Money Order 06-8369xxxxx to the 2 (two) Providian accounts you were entrusted. Disperse equal amounts to each $125 -$10= $115.
$115 divided by 2 = $57.50. Disperse $57.50 to Providian Visa account #xxxx-xxxx-xxxx-7233 and the other $57.50 to Providian Master card account #xxxx-xxxx-xxxx-5212. Again:
$57.50 to Providian Visa account #xxxxx-7233
$57.50 to Providian Master card account #xxxxxx-5212.

DO NOT disperse any funds to that Gold club that Consolidated Credit Counseling Service signed me up for with out my authorization. Which ironically enough I received information material for 2 weeks ago.
DO NOT put the over amount in Consolidated Credit Counseling Services slush fund for the hopeful thought I will forget it and Consolidated Credit Counseling Service can keep it as stated in paragraph 5 Payment Delinquency of the Membership Agreement.

Thank you for your immediate attention. I have enclosed a self addressed stamped envelope, in which is a note stating that you have complied with my requests. Just place it back in the mail. Don't forget the $12.00 tracer plus the $27.00 in membership fees that Consolidated Credit Counseling Service owes Richard xx #xxxxxxx.
Copy to file


This is to confirm Consolidated Credit Counseling Service has read and conformed to the Request of Richard #xxxxx. Following his payment instructions.

***********************

(THE above paragraph was for them to send back which they never did, If I could of recieved the service from them that I'm getting now thier may not of been a problem.)

My apologies if the payment history is hard to follow. I copied it directly and pasted. The rebuttle area is limited in width. I hope it tuns out.

Need More FACTS Gary? Colorful as they are, truthful they'll remain, untwisted.
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#2 UPDATE Employee

Richard may not be happy....but, he was NOT ripped-off.

AUTHOR: Gary Herman - (U.S.A.)

I will address each of Richard's three issues:

1. Difficulty communicating with us? I have reviewed all of the notes from our system indicating the dates of numerous conversations with Richard and our representatives. Clearly he did not have any problem getting through to us. Still, I did see where it took over a month to resolve Richard's December payment issue. Though no fault of ours, I understand that Richard was impatient and desired instant results.

2. Stolen Money? Richard received payment instructions that clearly (not in small print and not vague in any way) listed Gold Membership as an optional $9 service. Further, once Richard requested that this benefit be dropped in November of 2003, we immediately honored his request and did not pay for Gold Membership from the following payment and sent the extra $9 to his creditors. No money was stolen from Richard.

3. Slush fund? Sounds like a conspiracy theory; so I reviewed the history of all Richard's receipts and disbursements. In October of 2003 Richard sent $30 over his regularly scheduled payment. However, only his scheduled $95 was disbursed that month. The extra $30 was picked up in our overage report run at the end of October and the extra $30 was programmed to be disbursed with Richard's November payment to his creditors. In November, the same occurred; the extra $30 sent in November was programmed to go out with his December payment. Unfortunately, Richard's December payment never posted because he wrote the wrong account number on his remittance. Once his December payment was identified and transferred back into his account, all of the funds including the extra $30 from November and December 2003 were disbursed.

I realize that this is confusing. I do not blame Richard for being aggravated. But, there is no conspiracy, no slush-fund and certainly no rip-off. In short, we received a total of $500 and all $500 was allocated properly. The only money our organization received from Richard for all of our efforts on his behalf was $10 from each of his 4 payments. All extra money was sent to his creditors. We know his creditors received the funds because Richard himself admits that his interest rates were lowered to 8%.

When you remove the emotion from this situation, Richard had a bad experience and I regret that he is still not satisfied. I realize that things did not go as smoothly or as rapidly as he would have liked and that ultimately the circumstances resulted in his loss of faith in our services. He has the right to voice his displeasure with regard to his particular situation. However, his colorfully written posts are full of unfair generalizations regarding our honored organization. You should know that The South Florida Business Journal selected Consolidated as the 2003 Non-Profit Business of the Year. We did not earn this by hurting consumers in any way as Richard suggests. We understand that Richard had problems, but he was not ripped-off.

As always, I remain available to discuss this with anyone who wishes [DELETED][to contact me via Rip-off Report].
[Place your comments below and be sure to include your FULL contact information so Rip-off Report can contact you.]

President
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#3 Author of original report

Clear it up here on this forum, Consistantly side stepping the issue by redundantly implicating one instance

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

Gary,

Employee, Owner, New President.

Consistantly side stepping the issue by redundantly implicating one instance, which happened to be the straw that broke the camels back. Does not alter the numerous instances which lead to this Complaint. Nor does stating that I should of filed a complaint with the BBB a legitimate company which Consolidated Credit Counseling Service would of responded too.

Well I sent numerous letters to your company Consolidated Credit Counseling Service along with numerous phone calls. From the beginning. Oh you said legitimate.

I would like resolution right here. Not run a round promises. Like I've recieved.

1)Consolidated Credit Counseling Service has good salesman participation in pre-enrollment. Once enrolled the only person that would return a call was the salesman which told me on more than one occassion that I would have to talk to a representative of Consolidated Credit Counseling Service about the missed and late payments made by Consolidated Credit Counseling Service . The representatives which were impossible to contact through the answering service.

2) I was signed up for some Gold club by Consolidated Credit Counseling Service without my knowledge or permission which cost $9 amonth. Consolidated Credit Counseling Service swears I acknowledged enrollment. I never recieved information on it until the last month I was with Consolidated Credit Counseling Service. MONEY Consolidated Credit Counseling Service literally STOLE from me and has yet to repay it.

3) Every payment I sent had a letter with it stating as to where the extra funds were to go. Every extra payment was to go to the same account. Every extra payment went to Consolidated Credit Counseling Service slush fund which if unclaimed goes to Consolidated Credit Counseling Service. How can Consolidated Credit Counseling Service keep money that is to pay someones debt? Though the art of ambiguous communication. " Consolidated Credit Counseling Service will contact your creditor you are forbiddon to have contact with them."

This goes on and on and on. Very unprofessional work ethics.
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#4 REBUTTAL Owner of company

THE FACTS

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

Richard,
I regret that you are still angry a year later. I'm sorry I did not call you after recently finding out about your complaint and this site. I did not see a reason for me to contact you since your complaint was written long ago and before we received your copy of the cancelled money order and resolved the matter. Had you addressed your concerns with the Better Business Bureau (BBB) a legitimate consumer advocacy organization we would have responded immediately since that organization actually contacts the company in question without irresponsibly posting uncontested problems.

We have a link to the BBB on our home page www.consolidatedcredit.org and are proud that we have never had an unresolved complaint. We have also provided enough information under Why Choose Us on our home page to allow people to make an informed decision about our credentials rather than base their decision on your unfortunate situation for which you have readily admitted some of the blame. Either way, on behalf on my company, I apologize.

We have a toll free number 800-728-3632 that you or anyone may use to contact us. I am the president of the company and my direct extension is 9201; you or anyone may use this to contact me should you wish to discuss this or any other related matter. I assure you that I return all calls if I do not answer straight away. If you call me I will do what ever I can to address any concerns that still remain.
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#5 REBUTTAL Individual responds

I told you they were good at this. Yes almost a year later and a response.

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

I told you they were good at this. Yes almost a year later and a response. Not all accurate of corse and without any contact with me.

This is going to be brief? Yes, I did fill out the money order incorrectly. Yes I did inform them of that fact with in days of sending it, on a voice mail as that is the only way besides snail mail to contact them. Once they finally contacted me, I gave them all the info including a senerio of posting it to the wrong account after "thier research concluded that I never sent them the payment" I paid $12 to western union for a photo copy. Sent my creditors payments directly "which is against the rules". Money in which I had to borrow. Then magicly the payment appeared.

Remember I had never missed a payment and "I" still haven't. I was paying diligent attention to this.

My problem ended with that money order incident as our relationship was terminated because of the total missuse of money I entrusted to them.

They still owe me money for the coupon/discount side show. They signed me up for this thing $10 a month. Hey, I'm indebt, please sign me up for some coupon thing that cost $$ and I have no use for.

Come on people DONT BE TAKEN BY

CONSOLIDATED CREDIT COUNSELING **RIP-OFF**

Post this on your site Gary and I'll furnish the real history to go along with it. I have it all.
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#6 UPDATE Employee

The facts...

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

I have researched Richard's account history and offer the following in response to his post. Days after writing this complaint in December of 2003, Richard would learn that the majority of his problems were caused by his not writing his account number or name on a money order remitted to our organization. Furthermore, other events described in his complaint were not problems at all. Consolidated Credit is one of the largest and most respected credit counseling agencies in our industry. Our extraordinary credentials are clearly listed on our web site, www.consolidatedcredit.org.

In his complaint Richard describes extra money not getting paid to his creditors. In fact, the extra $30 Richard sent each month was disbursed properly. However, one month $30 was divided equally among two of Richard's creditors and other months all $30 went to a single creditor. In short, all money received from the client was accounted for and handled properly by our organization.

Richard states that he was unhappy regarding late fees he received his first month on the program. No payments were ever missed by Consolidated as Richard claims. Payments were made to his creditors according to industry standards which often include the changing of creditor payment due dates in order to coincide with client's scheduled disbursements. Richard was informed that the first month, before creditors consider a client to be on the program, payments made after the original due date can generate an automated late fee. These fees are often waived immediately by creditors on request. Additionally, no additional late fees get assessed as long as payments are made at the same time each month. No negative information regarding late payments were reported to credit bureaus and the late fee (if not removed) would simply have been made up for with the subsequent reduction in interest rates that Richard himself admits receiving as a result of our program working properly.

Richards's real problem began when he sent a money order in December of 2003 without including his name or account number. As a result, the money was posted to another account. Over a month later when we received a copy of the cancelled money order we were able to identify the funds and the money was then immediately disbursed to Richard's creditors. However, this occured after posting his letter on this site.

I regret that Richard did not have a good experience with our organization. Our program does require the full cooperation and patience of our clients. Additionally, while I respect the rights of individuals to post valid complaints in order to better inform the public, I hope that unwarranted postings like this one do not tarnish otherwise excellent reputations like ours.
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#7 Author of original report

They are behind again!! Letter I wrote them, they have mis managed my funds

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

Consolidated Credit

December 27, 2003
Counseling Service


Dear Customer Service Rep.

I have enclosed your letter of 12/17/2003, stating that I am late on my payment and the last time you received a payment was 11/11/2003.

This ambiguity is consistant with the way Consolidated Credit Counseling Service is operated. Western Union has the payment in Question being cashed on 12/11/2003.

Consolidated Credit Counseling Service has consistently miss handled the funds that where entrusted to Consolidated Credit Counseling Service by myself. Consolidated Credit Counseling Service has made payments late to my creditors in which I was never late, Consolidated Credit Counseling Service charged for a service which I never agreed or was aware that I was part of, Consolidated Credit Counseling Service did not disperse all the funds that were sent to Consolidated Credit Counseling Service to be dispersed instead Consolidated Credit Counseling Service maintained an on the books account.

I talked with Consolidated Credit Counseling Service on 12/05/2003 about this matter and was promised that everything would be taken care of, Consolidated Credit Counseling Service promised to: ensure the late payment that Consolidated Credit Counseling Service created would be cleared ; that the service that I was unaware of which cost $9.95 would be canceled, and that the funds that I sent over my required amount and the funds that Consolidated Credit Counseling Service were holding would be applied to the account that I had originally requested they be applied to.

I have just verified with "creditor" that on 12/16/2003 you made a payment on account
#x-x-x-x of $30.00 and that account #x-x-x-x is past due.

I am distraught at this. I have tried everthing and nothing has helped. Consolidated Credit Counseling Service was suppose to help me. Consolidated Credit Counseling Service has did more damage. I've called, written, sent all my payments way early and over the amount to pay off early.
***
This Letter was one of numerous letters I've sent. They will have some excuse as to why month after month they have mis managed funds. Yet they have only sent me one letter claiming I missed a payment they cashed 6 days earlier.
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