Financial Solutions Service Center

Review: I have paid this company 1900usd to handle 3 credit card debts. One was done with no trouble. The second got ignored and I had to may more than originally quoted and the third remains unresolved. I am not sure if the company has shut down without notice or what.Desired Settlement: I would like a refund for at least 1/3rd of my payment or to be contacted and have someone finish the work that I paid for.

Business

Response:

Company’s response to Revdex.com Complaint ID # [redacted]

On 3-28-09, [redacted] (“Client”) signed a Contract for

Services with Financial Solutions Processing Center (“Company”) to negotiate a

reduced balance on Client’s 3 enrolled credit card accounts with Client’s creditors.

Based on Client’s financial situation, Company placed Client on a 20 month

program, which was to end 11-15-10. During this period, Company performed work

on all 3 of Client’s accounts by negotiating with Client’s creditors. Company

did negotiate favorable settlements on 2 of Client’s enrolled accounts. With one

account remaining to be settled, Client was unable to accumulate enough

settlement funds for Company to negotiate Client’s final account causing

Company to perform services for Client 2 years past her estimated program

length.

In 2012, Company repeatedly contacted Client requesting the

amount of settlement funds available to settle. Finally, Company contacted

Client and explained Client was in breach of the Contract for Services by not

accumulating settlement funds in order for Company to settle Client’s final

account and Client was 2 years past the estimated program length. Still, Client

was unable to accumulate enough settlement funds in order for Company to

negotiate with Client’s final creditor and settle the account.

In early 2013, instead of cancelling Client, Company offered

several times to have Client continued to be serviced for a $39 per month maintenance

fee, until Client’s final account was settled. Client declined to pay the $39 per

month fee claiming she had already paid company to settle her accounts. Company

contacted Client again on 5-16-13 giving Client another opportunity to pay the

$39 per month maintenance fee.

If Client refuses to pay the $39 maintenance fee, Company

has no choice other than to cancel Client for breach of Contact for Services.

Since Company has performed all services throughout Client’s program and well

beyond Client’s program length, Client is not entitled to a refund.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I have always had the funds available, I am not sure where these folks are getting any other impression. Because FSPC did not negotiate the second debt in a timely fashion, I had to pay $500 more dollars to settle than I would have if they had been on top of this. The third debt was never negotiated. I paid this company $1901 to handle these debt. The failed to handle the last one. When going over agreements, I was never told that the program would expire after 20 months OR that it had been extended. I only ever received one call about switching over to another program that would require a monthly payment of $39. Seeing as I had already paid $1901 to this company, I did refuse to pay anything further. That would be like someone saying that they will paint your house for $1901, painting half of it, taking too long to get the job done and then asking for extra fees to finish what you have already paid dearly for. Today I got a message from [redacted] saying that my services are being discontinued. WHY do this only after I have filed a complaint? No one would return my calls or emails. Furthermore, I work a job during regular business hours where I can not be on the telephone. Because of this I had REPEATEDLY asked to correspond via email, which this company has failed to do.

I ask for 1/3rd of my fees back. I will certainly be happy to let the yelp community, the gripevine community and the Revdex.com community know if this company refuses to return fees for services that they did not render as well as clue everyone in to how I have been treated.

Regards, [redacted]

Business

Response:

Company’s Second response to Revdex.com Complaint ID # [redacted]

Client claims she has always had the funds available.

Company’s response is Client never provided this information to Company making

her in breach of her Contract for Services. On 7-22-11 Company contacted Client

to inquire the amount of settlement funds Client had available in order for

Company to negotiate a settlement on her final account. Client responded, she

had $1,000 available. At that time, the current balance on Client’s final

account was $4,619.97. In 2009, Company originally estimated a settlement

amount of $1,700 on this particular account. Therefore, at this time (one year

after Client’s program was estimated to be completed), Client did not have

enough settlement funds accumulated for Company to negotiate with the creditor

for settlement on this final account. Subsequently, Client never provided updates

to Company her accumulated settlement funds. Pursuant to paragraphs 4 & 9 of the Contract for Services; Client

has failed to inform Company of her accumulated settlement funds.

Originally, when Client was enrolled in the debt settlement

program in 2009, Client agreed to make payments of $349.38 per month. If Client

had adhered to the agreed on payment schedule, $1,000 could have been

accumulated in a 3 month period. In fact, if Client would have adhered to the

agreed on payment schedule, Client would have accumulated the entire total

debt, as originally entered in the program $12,704.72, plus would have paid

100% of Company’s fees in 41 months (3.4 years) thereby, settling Client’s total

enrolled debt at 100% of the balance. Pursuant

to paragraphs 4 & 9 of the Contract for Services; Client has failed to make

timely payments into her settlement funds account to enable Company to settle her

final account causing Company to service Client’s account well beyond her

program length.

During 2012, Company had attempted to contact Client on

numerous occasions to inquire as to the status of Client’s accumulated

settlement funds. Client was unresponsive. It was only after 48 months (4

years) when Company approached Client with Client’s failure to accumulate

settlement funds and timely communicate with Company, did Client file a Revdex.com

complaint. Company endeavored to negotiate Client’s debts for 3.2 years AFTER

Client’s original estimated 20 month program was to be completed. Company

offered several times to have Client continued to be serviced for a $39 per

month maintenance fee, but each time Client declined.

Client claim’s Company did not negotiate Client’s second

account in a timely fashion and therefore Client had to pay $500 more. Client’s

second account was located at a collection agency who was offering too high of

a settlement amount. Company advised Client to wait to see if the offer goes

down. Subsequently, the collection agency went out of business and turned Client’s

account back to the original creditor who made an offer of 40% of current balance.

Company made a strategic decision to wait and see if the original creditor

referred the account over to another collection agency who would offer a lower

settlement. That did not happen as the original creditor turn Client’s account

over to a law firm to file suit against Client and the settlement offer was

higher. This is not Company’s fault, but a strategic decision to try and obtain

a better settlement for Client.

Client claims she has a job which precludes her from being

on the phone. It would seem that over a two year period, Client could have

called Company during her lunch hour occasionally to provide updates on Client’s

accumulated settlement funds. Per Client’s request, Company did email Client on

several occasions, but client was unresponsive. Client’s negotiator email gave his

hours from 8:00 am to 4:30 pm PST M-F. Company’s client services department’s

hour of operation were 9:00 am to 5:00 pm (PST) M-F. Client never called

company to give any updates.

On 10-30-13, Company president, [redacted] contacted

Client by telephone in attempts resolve Client’s Revdex.com complaint and inquire as

to if Client was willing to pay the $39 monthly fee. Client was adamant about

not paying any more money. On 11-1-13 Company responded to the Revdex.com Complaint

and emailed a notice of termination of services to Client. The same day, Client

called Company and hung up. Company’s position remains the same; if client is

not willing to pay the $39 monthly fee, accumulate settlement funds and

communicate with Company on a regular basis, then Company will terminate Client

for breach of Contract for Services and Client is not entitled to any refund,

as Company performed services on all of Client’s accounts.

Review: Have been dealing with the company since mid 2008. Paid them 2200.00. They have helped me settle the majority of my debts.. Received a voice mail in late April asking me to contact them. I called them and spoke with [redacted]. She said she had to check on some info regarding my plan and would get back to me in a couple of days. Never heard back. Emails go unanswered. Phone calls go straight to voice mail but mailboxes are full so calls terminate. Faxes aren't answered. I cannot get in contact with them and they have all my records plus my money. I just want to know what is going on and about the accounts I have yet to pay.Desired Settlement: I want to know if they have just closed the doors without telling anyone? Are they still in business? What is going on? Is there some way I can get my records back? Help

Business

Response:

Revdex.com Complaint

ID # [redacted]

Company’s

First Response

Dear Revdex.com,

This response

is regarding Revdex.com Complaint ID # [redacted]. This complaint stems from a client unable

to contact Company by telephone.

Company had

recently updated its phone system and was having problems with certain clients

attempting to call into company. In upgrading its phone system there was a

glitch or bug in the phone software and when certain clients called into

Company the phone system directed those clients to a certain extension which

went to voice mail box that indicated the mailbox was full. Company has now

fixed this bug/glitch in its phone system. Company has contacted this client

and apologized for the problem. Client indicated to Company she was satisfied.

Given the steps Company has taken, Company considers

this complaint to be resolved. Company sincerely apologizes for any inconvenience

caused by our phone system problem.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[I was called by someone who porported to be from Financial Solutions. This person stated that arrangements had been made to complete my contract terms for a specified account which I agreed was satisfactory to me. This was the contact mentioned to you as being the one I was satisfied with. Thisperson said that all I needed to do was sign the settlement agreeement and my contract with them would be completed. The seettlement agreement would arrive as an email attacment which I was to sign and emmail or fax back.The email arrived and there were documents attached. However, email address did not match those previously used by Financial Solutions. In fact, nowhere in the correspondence or the "agreement documents' was Financial Solution mentioned nor was my account number with them referenced. I had a contract with Financial Solutions (and had paid the fee in full) for debt settlement services. Indeed, they had helped me settle all of of the debt accounts placed with them save the final three. It was these final three debts that this "agreement" was supposed tosatisfy and that I had been trying to contact them to get the status update on.Indeed the "settlement offer" they sent to me was not from Financial Solutions at all and, upon inspection, appeared to be a new contract with a company I had never heard from before and had no information on. The amount listed on the contract was considerablymore than the sum mentioned in the phone conversation. This entire amount was to be paid to this new company instead of being paid to my debtor's representative as was the case with all of the previous settlements. Moreover, this new company specifically stated in this new contract that the new company did not perform debt settlement, the services that were paid for in my contract with Financial Solutions.After reading through these documents several times and considering the email, this appears to be an unsolicited contract for new services and possibly not from Financial Solutions at all. I already have a paid in full contract with Financial Solutions and am not interested in a new contract for different services. There is no statement as to how any monies I would pay would be disbursed and no statement that these accounts would indeed be "settled in full" even if the amount was what we had agreed upon. Accordingly, I ave asked this person for a further explanation, in writing, clarifying what these documents represent before I sign anything or send any monies. My decision as to whether this complaint is resolved depends entirely on what this explanation. If this is what it appears to be, further action may be instituted through the State of California's Attorney Generals office.go,

Regards,

Business

Response:

Dear [redacted],

I was finally able to get in touch with [redacted] today and resolve the Revdex.com complaint she filed: Revdex.com Complaint ID #9[redacted]. In speaking with Ms. [redacted], I explained the contract and settlement offer she received was not from Financial Solutions Processing Center, but some other company. Ms. [redacted] understood and was satisfied.” Thank you in advance for your assistance in this matter.

Respectfully,

Review: I have been working with Financial Solutions since 2009 and up until February 2013 I was very satisfied with the help and customer service I received. They helped me settle a number of accounts, as promised. In February I received a call saying that Financial Solutions was being shut down, but that [redacted] Processing Center would be taking over. I signed both the form allowing the transfer of services, as well as the sending them the forms for the direct debit (early April) of the $39 "maintenance" fee. I requested confirmation of receipt, but never received any response. I am down to my last three accounts to be settled and was anxious to have this done. I was told it would take around 2 months. I tried calling on April 30th, but no one was answering the phone. I emailed them threatening to block any withdrawal if I could not speak with a human being. I was called the next day saying that their phone systems were being upgraded and some clients had not been able to call in. I was reassured everything was being transferred over to [redacted]. I was told that once my first maintenance payment of $39.00 was debited on June 5th, I would receive a new packet of information including the Power of Attorney form to complete. I was never debited on the 5th and I have received no information from [redacted]. I have tried calling three days in a row now both the Financial Solutions and the [redacted] phone numbers which go to the same calling center. The computerized voice says I'm number one in line and the next available attendant will help me. Then I get transferred to voice mail saying that the person at extension 8204 is on the phone. I left a message on Friday, June 21st with no return call. The website for [redacted] that I was originally able to find online I can no longer find.Desired Settlement: I would like, in writing, confirmation that no further debits will be withdrawn from my account, as I attempt to settle my final accounts on my own OR I would like, in writing, a timeline for the remainder of the services they will provide, a phone number where I can actually speak with a human being, and an actual address for their location.

Business

Response:

Company Response to

Complaint ID # [redacted]

Company has quit

marketing and only servicing its existing clients. Company has concerns regarding

existing clients who are not adhering to their responsibilities as all clients agreed

to in their original contract with Company. One of the biggest problems encountered

by Company is with clients who are not saving their settlement funds as agreed upon

causing their original estimated time in the program to be lengthened causing

Company to service client's beyond initially estimated.

Company contacted Client

in April explaining Client is in Breach of Contract by not saving her

settlement funds as agreed to causing Company to perform additional work far

beyond her program. Rather than cancelling Client, Company gave Client an

option to transfer to [redacted] Processing who would service her remaining accounts

in her program for a $39 per month maintenance fee. Client elected to transfer

to [redacted] and pay the $39 per month maintenance fee.

During this time, Company was having telephone

problems, with certain clients who were transferred to [redacted] in where certain

clients could not get through to customer service, but rather were being routed

to an extension with only a voice mail. Company has since resolved this “bug” in

their phone system and has informed Client the phone problems have been

resolved. Company sincerely apologizes for any problems caused by the phone

problems.

On 6-25-13, Company

received an email from Client claiming she wanted to cancel her services with both

Company and [redacted] Processing. Client’s email is as follows:

“I, hereby, request

termination of all services with Financial Solutions turned [redacted] Processing

Center. I have settled two of my three remaining accounts on my own and

only have one account left. The customer services since April has been

terrible. There has been no follow through and I realized that my

accounts would be settled much more quickly if done on my own. I will be

debt free in two more months.”

The same day Client

filed the instant Revdex.com complaint requesting she receive in writing that no further

debits will withdrawn from her account because she was going to try and settle

her accounts on her own, or she receive in writing a timeline for the remainder

of the services Company will provide, a phone number to contact Company, and

Company’s address.

Company’s responses

to Client’s requests are as follows:

1.

Company

confirms there will be no further debits to be withdrawn from her account from

either Company or [redacted] Processing. Company has also notified [redacted] Processing to cancel

Client and no further debits are to be withdrawn from her account. Unless

Company or [redacted] Processing hears from client, both Company and [redacted] Processing consider

Client cancelled from any and all services.

2.

Neither

Company nor [redacted] Processing can give Client a timeline for the

remainder of the services they will provide, because it is unknown how long it will take to resolve Clients

remaining accounts, which is contingent on several factors. One major factor being

if the Client has available funds to resolve the accounts, which is the primary

issue with this particular client in the first place.

3.

Company’s

phone number is 800-793-2994, to speak to a customer service representative

select Option #2 Company’s hours of operation are Monday thru Friday between

the hours 9am to 5pm PT. Company’s address is: 1759

Oceanside Blvd., Suite C323, Oceanside, CA 92054.

4.

[redacted] Processing

Center’s phone number is 877-700-6625, Address: [redacted]

Tustin, CA 92780.

Therefore, Company

feels it has addressed Client’s concerns in her Revdex.com complaint.

Review: We first contacted Financial Solutions Legal Center in November of 2008. We place nine (9) credit cards with them under the assumption that they will help us settle the accounts with each of the creditors. They charged us $4,818.87 to settle $32,125.58. At first they started out well and settled a couple cards. Then we had some money issues and asked them to hold off. When we called them back to begin working on cards they said they would. We then began getting summons to appear for non-payment of credit cards, so we called Financial Solutions back. We begged them to work on this. The did well for two (2) cards. Then stopped. In total they settled four (4) cards. We were still getting summons for the remainder cards. We were calling Financial Solutions several times to ask them to settle the other cards. We kept asking Financial Solutions to settle before the set court date. They did nothing. We called the different agencies that were taking us to court to let them know someone from Financial Solutions was to contact them. The agencies even tried contacting Financial Solutions, but everyone was not getting any answers.

Then in July of 2013 we get a letter from [redacted] of [redacted]. They stated that Financial Solutions sold our account to them. They wanted an additional $2500.00 plus a $49.00 maintenance fee. We declined doing any work with [redacted] since we had such a bad time with Financial Solutions.Desired Settlement: We feel that since they did do some of the work but not all, we feel we should be refunded $2,575.75. We got that amount by dividing the $4,818.87 by the nine (9) cards then multiplying that amount by the five (5) remaining cards.

Business

Response:

Financial

Solutions Consumer Center (FSCC) (hereafter “Company”) Revdex.com Company ID # [redacted]

received the instant complaint Revdex.com Complaint ID#[redacted] on 12-5-13. Company contacted

Client and determined the Revdex.com assigned this complaint to the wrong company. Company

explained the situation the Client and said Company would contact the Revdex.com to

have the complaint transferred to the correct Company and that Company would be

contacting them soon to resolve the complaint.

Company

contacted the Revdex.com on 12-17-13 an informed the Revdex.com the complaint was assigned to

the wrong company and requested the complaint be transferred to the correct company

and resend the complaint to that Company.

Company

requests the Revdex.com assign this complaint to Financial Solutions Processing Center

(FSPC), Revdex.com Company ID # [redacted] in order for FSPC to access client’s file to

properly respond to the complaint.

Business

Response:

Company’s response to Revdex.com Complaint ID # [redacted]

On 11-4-08, [redacted] (“Client”) signed a Contract for

Services with Financial Solutions Processing Center (“Company”) to negotiate a

reduced balance on Client’s 9 enrolled credit card accounts with Client’s creditors.

Based on Client’s financial situation, Company placed Client on a 27 month

program which was estimated to end 2-4-11. During this period, Company

performed work on all 9 of Client’s accounts by negotiating with Client’s

creditors. During this period, Company negotiated favorable settlements on 2 of

Client’s enrolled accounts. With 7 accounts remaining to be settled, Client was

unable to accumulate enough settlement funds for Company to negotiate Client’s

accounts causing Company to perform services for Client 3 years past her

estimated program length.

In 2011, instead of cancelling client for being in breach of

the Contract of Services by failing to accumulate settlements funds and timely

communicating with Company, Company gave client another opportunity to continue

with the program. During this period, Company negotiated favorable settlements

on 2 more of Client’s enrolled accounts.

In 2012, Company repeatedly contacted Client requesting the

amount of settlement funds available to settle. Finally, Company contacted

Client and explained Client was in breach of the Contract for Services by not

accumulating settlement funds in order for Company to settle Client’s final

account and Client was 2 years past the estimated program length. Still, Client

was unable to accumulate enough settlement funds in order for Company to

negotiate with Client’s remaining creditors.

In 2013, Company cancelled client for breach of the Contract

for Services for not accumulating settlement funds and not timely communicating

with Company. As a courtesy, Company referred Client to another company [redacted]

of [redacted] (“DDA”) to assist Client in resolving Client’s remaining accounts at

a significantly lesser amount than Client’s program with Company would have.

Since Company has performed all services throughout Client’s

program and well beyond Client’s program length, Client is not entitled to a

refund.