Report: #226121

Complaint Review: Credit Solution Of America CSA

  • Submitted: Mon, December 18, 2006
  • Updated: Mon, December 18, 2006
  • Reported By: Toppenish Washington
  • Credit Solution Of America CSA

INVESTIGATION: Doing right by their customers! Credit Solution customers can feel confident & secure when doing business with Credit Solutions of America, Commitment to total customer satisfaction, positive rating for its customer support from Rip-off Report. almost 70,000 families out of debt with Credit Solutions - Credit Solutions commitment to Rip-off Report Corporate Advocacy Program.
*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.

Show customers why they should trust your business over your competitors...

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 Solution Of America CSA dishonest lied to get my business Internet

Credit solutions representative lied to me to get my business. I was quoted an estimate of approximately $11,000 to settle my debt of approximately $28,000, which was their quoted estimate of 40% of the debt balance. The plan from them was to stop paying my credit card bills and instead set up a savings account. After I have saved enough which was approximately 3 years then I would pay the settlement.

Well, I was obviously scared to stop paying the bill, not only for my credit score but that I would still be charged finance charges, etc. I specifically asked the representative that the quoted estimated 40% would still be based on my beginning debt when I started the program because I knew that the balance would increase drastically without paying it. He reassured me that it would be based on my begining debt balance.

Well, all was well for a matter of 8 months. About the 6th month I came to a point where I decided to apply for a 2nd morgage just to get this taking care of and start improving my credit score and then the mask came off of this bad business.

I got approved for the loan for a couple of thousand more than the estimate because I knew it was an estimate. However, when I contacted credit solutions and let them know that I was ready to settle, their settlement offer was $8,000 over the estimate. I happen to be a math teacher and calculated it to be 70% over the estimate. I contaced credit solutions to complain that it was extremely unreasonable and questioned why it was so high.

I was told that my credit card balance had increased and the settlement percentage was based off of the current balance. This is when I found out that I had been lied to. It has only been 8 months and the settlement was 70% higher than the estimate because my balance had increased due to all the late and finance charges and the settlement percentage jumped to 60% in a matter of 8 months.

I compare it to having someone give you an estimate for fixing something at your house and then coming back and telling you that the actual cost was 70% higher than the estimate. That to me is unreasonable.

What really gets me is that if I followed the plan that was set up for 3 years then my credit balance would have sky rocketted and I still wouldn't have enough to pay the 40% of the current balance. In fact, after the 3 years, the 40% would have been pretty darn close to my credit card balance I had when I started working with credit solutions.

I don't understand how they help anyone or how anyone would be satisfied with them. If I knew that the settlement percentage was based on the current balance then I would have never signed up and they knew that so they lied just to get their sale.

In the end, I had to settle my accound myself and cancel with them after I told them all of my complaints. I would definately not recommend anyone to use credit solutions or any similar company. I have heard that anyone can settle their own accounts.

Sorry for the long winded report but hopefully you can see that the way credit solutions does business is dishonest and does not make sense, especially if you have to save for the entire 3 years. It is very likely that your balance would have doubled and that your settlement will not be any lower than what you owed when your started.

Toppenish, Washington
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This report was posted on Ripoff Report on 12/18/2006 05:36 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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