CareOne Debt Management Services - Care One Services A BIG FAILURE Columbia, Maryland

I used CareOne for a debt management program.  I thought I did my homework.  I signed up and they did the ach withdrawal on the bank account which was once a month.  I had asked to do it weekly to make it easier on me, they said they couldn't do that (why I don't know).  Anyways, proposals were sent out to my creditors.   I got phone calls from the creditors and informed them that I was going with a DMP and who the company was.  Two creditors refused to do any busines with them and I was not informed why.  Dell Financial and Citibank (who also refused to do any business with Consumer Credit Counseling of Atlanta as well).  Payments were sent in on time but I kept getting harrassing phone calls from Citibank.  They told me point blank they refused to do any business with a DMP and I had better cough up the money or they would ruin my credit.  I contacted CareOne and asked to see a copy of the proposal and they refused.  THey sent me a letter stating what they put in the proposal but refused to let me actually see the legal document.  I became suspicious.  I opened my mailed and instead of lowered interest rates on the creditors (they promote they can get the creditor to do that), extra interest and fees were attached.  Instead of working my debt way down, it went up.

I closed the account and moved my DMP to another company - which didn't work either so I am making a choice to file bankruptcy.

In the interim, I found that payments were being sent to a company that I had never heard of nor did I owe money to.  I called them in June, August and September.  I explained money was sent to a creditor I did not owe.  I was promised they would "investigate" the matter and get me a refund.  I called again today and was asked if I wanted to talk to someone "higher up" to light a fire underneath to get my money back.  I informed them that becuase this is now four months to getting a simple problem resolved, I filed a complaint with the BBB and open complaint with this site.

Do not use CareOne Services for DMP program.  They make a lot of promises but they cannot deliver the help.