• Report: #241060

Complaint Review: Family Credit Counseling Corporation

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  • Submitted: Tue, March 27, 2007
  • Updated: Thu, April 05, 2007

  • Reported By:Roswell Georgia
Family Credit Counseling Corporation
4850 N State Rd 7, Suite G-104 Lauderdale Lakes, Florida U.S.A.

Family Credit Counseling Corporation Ripoff "Hurricane" problems refusal to address increased finance charges Lauderdale Lakes Florida

*Author of original report: update

*Author of original report: Grammar

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This will not contain all the details as it is now over 15 months old and I do not want to waste any more time fully documenting all my inquiries and non-responsive answers. It is complete in that I am telling one side of the story, this does not make my side look good, it is a complete representation of the "service" I have received.

Due to Hurricane Wilma, Family Credit Counseling was unable to make payments on the three cards I had signed up to have consolidated. The first missed payment was in October 2005. Successive missed payments in November and December resulted in late payment fees and increased finance charges on one of the accounts. The other two experience no such difficulty as apparently they received the hurricane letter. I followed up with FCC in November 2005 to find out why the one account was charging late fees and had increased my rate. I was told at that time they had been sent a hurricane letter and would adjust my account. I was told to call back in one month to follow up with FCC. I continued to follow up with FCC and was told that it can take up to four months to process an adjustment.

In February 2006 I finally spoke with a representative that seemed to show concern about the matter. He conferenced me in with a service representative from the creditor and she informed FCC that they had not received a hurricane letter. After much prodding, I was told FCC was no longer sending letters, FCC said they would send another hurricane letter to the creditor. I continued to follow up with FCC about the late fees ($117) and increased finance charges (approximately $200) that were in my account balance. FCC's lone response was that all they could do was inform the creditor about the problem but not clear any fees or charges. Once again, I continued to follow up monthly.

Finally, in January 2007 (11 months after my initial inquiry), the late fees were paid. I was told numerous times prior to this that FCC would NEVER pay late fees. I am guessing that my constant inquiries had something to do with them paying. However, the additional finance charges are still on my account. Whenever I refer to the late fees and the additional finance charges I always get the answer of "FCCC paid the late fees as a courtesy". This is obviously a misstatement as there is no way they would have been paid if Family Credit were not at fault. I am continuing to follow up regarding the additional finance charges that are still on my account but will follow up when (not if) the issue is resolved.

Important to note that the additional finance charges on my account are the only reason I have not paid off this final creditor. The other two accounts have been paid in full and I have the funds to pay off the final account. I will not pay this off until FCC is held responsible for their misdoing.

Finally, while trying to find out my final payoff amount I inquired about the initial payment that was held until I had complied with the contract and would be used as my final payment. I was told that this was not FCC, it was handled by CDME. EVERYONE that uses CDME, please be aware that this is the same company. They may go by different names and all but have the same business address. Please refence the new FCC website, www.familycredithelp.org , contact us page that lists DCME. However, a Google search of CDME (full name) will show their business address as 7516 E Independence Blvd, Charlotte, NC and the FCC business address as 7516 E. Independence Blvd., Charlotte, NC. Hmmmmmm

I would like to single out two people at FCC that have been completely and utterly incooperative, Jeff Maglione and Donyale Dezmal. They continually avoid questions, refer me to other email addresses and generally answer with from the book answers. I was told by M. Maglione that "We do not have any contact information to supply you to contact your enrolment agent. All there contact information was given to you with your original paperwork with them". I will avoid correcting his grammar but it is finally clear that CDME and FCC are one in the same. They have now changed their name to DCME, apparently to avoid any confusion with the other rip off company.

Todd
Roswell, Georgia
U.S.A.

This report was posted on Ripoff Report on 03/27/2007 05:54 PM and is a permanent record located here: http://www.ripoffreport.com/r/Family-Credit-Counseling-Corporation/Lauderdale-Lakes-Florida-33319/Family-Credit-Counseling-Corporation-Ripoff-Hurricane-problems-refusal-to-address-increa-241060. 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

update

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

FCC's response to a BBB dispute
I almost have to laugh at the threats and extemely bad grammar. I made a mistake proofreading but this has clauses and punctuation marks that make absolutely no sense. I also like the part about late fees being refunded a long time ago (they were paid in January 2007 after 11 months of me asking about payment). They also say they guarantee an interest rate while in the program but in the very next paragraph state "we are not responsible for the interest rate" Enjoy.



FCCC has worked very hard to resolve this clients complaints through our office and our resolutions as they are to our policies, unfortunatley Mr. XXXXX is not happy with.

This client in fact was effected by Hurricane Wilma, in which time he received several late fees. Those late fees were refunded a long time ago.

What Mr. XXXXX is seeking is he wants us to pay his Interest on his accounts. This will not happen!!!

Mr. XXXXX has failed to understand after being explained on several occassions. The reduced interest he is receiving from his creditors is because of FCCC. That if he canceled this program, or FCCC deceided to drop him from the program (which is within our right) the current interest rate of 9.9% he is receiving will go away.

This 9.9% interest rate that he is bebefiting from in essence is BORROWED, it is not his!! It is not something he had before he came to FCCC and it will certainly will not be his interest rate if this program ceases.

So our policy is since the interest rate is a bi-product of the program and not of the client. We have obligation to gurantee that he will receive for the life of the program.

In fact in the Power Attorney that was signed by Mr. XXXXX, it clearly states that we are not responsible for the interest rate and there is no gurantee of a debt consolidation program.

Mr. XXXX has received all concessions FCCC is willing to give in relation to the hurricane. If Mr. XXXXX, continues to waste FCCC valuble time with this nonsense. FCCC will have no choice but to DROP Mr. XXXXXX from the program, in which time his interest rate will revert to 32% - 37%.

So if Mr. XXXXXX is still unhappy regarding this have him please contact our office to cancel our service!!
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#2 Author of original report

Grammar

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

I did not proofread the entire post, the first paragraph should read "It is complete in that I am telling both sides of the story"
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