• Report: #215153
Complaint Review:

Credit Solutions, CSA, Creditsolutions.com, Credit Solutions Of America

  • Submitted: Tue, October 10, 2006
  • Updated: Sat, November 18, 2006

  • Reported By:Dallas Texas
Credit Solutions, CSA, Creditsolutions.com, Credit Solutions Of America
15601 Dallas Parkway, 7th Floor & 8th Floor Addison, Texas U.S.A.

INVESTIGATION: 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.
*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.

*Consumer Comment: I agree

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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, CSA, Creditsolutions.com, Credit Solutions Of America Research this company and report it. (or any like it) Addison Texas

It looks like more and more people are being taken by companies like Credit Solutions. Like in my response to William below, do some research and some math. This particular company was started 3 years ago, their "plan" that they sell you is 3 years in length. This third year is where they have had over 140 of their over 200 BBB complaints. (See below post for link)

Now go here: creditsolutions.com/settlement

Take the month of September for example... the average settlement is 51%, and that is the average for the select few that they purposely posted... not exactly 40%, I think the other months are like that as well.

Now add in the service fee, typically 12%-15%, so you are really looking at about 65% (that's on a very good day... unless you get sued/have to go to arbitration before then, etc).

These companies are not very reputable, even the Texas Attorney General has taken action against some (hopefully more to follow):


People, this "service" that they sell you is not very hard to do on your own. Plus, you will be in control of the whole situation:


I guess you could always threaten you will go with a settlement company, unless they settle with you...

But people, seriously, do some research, complain to the BBB, the Attorney General of your state, preferably where the company is located, and the FTC.

Let's stop these companies from messing with people's lives.


I wish you all the best!

Dallas, Texas

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This report was posted on Ripoff Report on 10/10/2006 10:12 PM and is a permanent record located here: http://www.ripoffreport.com/reports/credit-solutions-csa-creditsolutionscom-credit-solutions-of-america/addison-texas/investigation-credit-solution-customers-can-feel-confident-secure-when-doing-business-w-215153. 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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#1 Consumer Comment

I agree

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

Many of these debt settlement companies are really taking consumers for a ride. Here's a scenario...You have $100,000 in unsecured debt, the debt settlement company gets you 50% settlements on all of these debts. You pay $50,000 plus their 15% cut, so now you are looking at $65,000. You feel good until Uncle Sam comes to you at tax time the following year because you have an additional $50K in income. Yes, you will have $50K in taxable income if the companies file the 1099-C with the IRS. Now you will probably be looking at a savings of only $25K on that $100,000 debt and your credit is now shot. These companies settle the smaller debts first, then move on to the larger debts once you have accrued enough money. These are the debts that creditors might sue you for. In fact, I know of some companies that immediately perform an asset search once they've received a letter (Which generally includes a cease&desist), and if there are assets, they charge the account off and send it on it's way to get a judgement against the consumer. So, if you've gone with a credit solution or "Law firm that specializes in debt settlement." BEWARE, you might be hearing from a law firm or your local court, that you are being sued.
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