National Debt Relief

Thank you for bringing [redacted] ***’s concerns to National Debt Relief’s attention National Debt Relief is committed to providing first-rate service to each and every consumer with whom we speak Upon receiving notice of [redacted] ***’s complaint, we’ve performed a comprehensive review of the matter [redacted] ***’s contact information initially came into our possession when he visited our website, [redacted] , on March *, He had submitted a request to be contacted about our services and, in response to his inquiry, our team members reached out to him via telephone on the same day From our review of [redacted] ***’s records, our representative made two call attempts on that day but only spoke with someone once, presumably with [redacted] *** The notes in the record confirm [redacted] ***’s statement that [redacted] asked our representative to leave a message and that [redacted] would return the call at his convenience due to his heavy work schedule The next day, Saturday, March ***, having not received a callback our representative decided to follow up on [redacted] ***’s inquiry again [redacted] *** answered the phone and, as [redacted] described in his complaint, reiterated that [redacted] will return the call whenever he can In addition, this time she also requested for our representative to not call back again National Debt Relief has a very clear company policy that if a consumer requests to not be called again, such request must be complied with immediately – no exceptions In direct violation of this policy, however, this team member made yet another call to [redacted] ***’s home on Monday, March *** Understandably annoyed, [redacted] stated a second time to “stop calling” and that [redacted] *** will call whenever works best for him [redacted] ***’s record was then placed in “Do Not Call” status and our review of this matter confirms that no more calls have been made since then We at National Debt Relief are always committed to addressing consumers’ needs and frustrations, whether they are clients or potential clients Indeed, our entire company has been built on our desire and ability to help consumers in times of hardship Part of our success is unquestionably attributed to the policies we’ve implemented and our comprehensive employee training programs Because consumers expect the best quality customer service from us, we demand the highest standards of professionalism from our employees Once our investigation of [redacted] ***’s matter discovered the violation of our company’s policy we immediately took action to reprimand the team member accordingly We also scheduled refresher-training sessions specifically on the topics of follprotocols and our “do not call” rule As stated above, [redacted] & [redacted] are currently on our “Do Not Call” list and their contact information is restricted in our database National Debt Relief extends an apology for any inconvenience this matter may have caused the Smalls and, needless to say, regrets losing the opportunity to provide them with the same high-quality service that we deliver to consumers across America We wish [redacted] & [redacted] ***s the very best of luck in the future.Sincerely, [redacted] National Debt Relief, LLC

Thank you for bringing [redacted] ’s matter to National Debt Relief’s attention We at National Debt Relief consistently strive to offer and provide quality service to each and every consumer with whom we speak Upon receiving notice of [redacted] ’s concerns, we immediately investigated the matter [redacted] visited our website, [redacted] , on January *, where she submitted a request to be contacted about our debt relief services One of our team members, [redacted] , reached out to her shortly thereafter and on January [redacted] ** [redacted] e-mailed to thank her for explaining our services and that she will gather some additional documents regarding her debts and e-mail them to [redacted] for her review Several weeks later, on January **, 2015, [redacted] e-mailed our office stating that she will not be needing our assistance after all That same day, her file was placed in “Not Interested” status, which means that our software database restricted her contact information from future calls Accordingly, none of our representatives contacted her again after that dayAfter receiving notice of [redacted] ’s complaint from the Revdex.com, we were able to confirm that she has not been called at all since January **, During our investigation, it was noticed that [redacted] ’s complaint states she was called on March *, 2015, a Sunday This fact immediately stood out because National Debt Relief is closed and does not operate on Sundays Our hours of operation can also easily be found on our website, [redacted] /contactus Another notable point is that when ** [redacted] attempted to dial back the phone numbers from which she was called, she received recordings stating that the number is either “not in service” or has no voicemail set up National Debt Relief indeed owns numerous phone lines, each with its own unique caller ID However, all of our phone numbers are connected to our live call center Calls that are received outside times of operation are greeted with a “National Debt Relief” recording that allows the caller to leave a voice message All of our findings described above have led National Debt Relief to conclude, unequivocally, that [redacted] ’s harassing phone calls were made by a rogue person or entity using National Debt Relief’s name without our knowledge or authority National Debt Relief’s reputation has been built on our success in helping consumers during times of hardship Thanks to our hard work, innovative strategies, and dedication to our clients’ needs, National Debt Relief has established a strong reputation for honesty and reliability across America Unfortunately, there have also been times in the past where deceitful parties have attempted to masquerade as “National Debt Relief” in an effort to hijack our good name for their own financial gain We’ve sent cease-and-desist letters to such entities (if they could be located) and we previously filed a formal notice to the Revdex.com to make sure they are aware of such activity What is more, because consumers commonly “window-shop” with multiple debt-relief providers before choosing the right one, their contact information can sometimes come into the wrong handsNational Debt Relief takes all clients’ concerns very seriously but [redacted] ’s recent ordeal is especially troubling to us because she suffered frustration through someone’s abuse of our name and hard-earned reputation We, therefore, invite [redacted] to provide us with the phone numbers from which she was called so that we may have the opportunity to confront them directly or to report this matter to the appropriate authorities Should she elect to do so, she would play an essential role in deterring similar deceptions in the future We wish her the very best in her future endeavors and, needless to say, we will continue to honor her wishes and not contact her in the future.Sincerely Yours, [redacted] [redacted] ***

To Whom It May Concern,
Thank you for bringing *** ***’s matter to our attention. National Debt Relief is dedicated to providing an unparalleled quality of service to consumers across the country who have unfortunately become overwhelmed with debt. We
at National Debt Relief value the commitments we make to consumers. We have, therefore, conducted a thorough review of *** ***’s concerns
*** *** enrolled as a client with us on March **, Since then, we’ve been successful in settling her unsecured debts and saving her money on her creditor balances In March of this year, we obtained a settlement on the last account enrolled in her program. Several months later, early August 2014, *** *** had called our office to obtain some information regarding her program and had given National Debt Relief approval to debit $1,from her bank account During that conversation, our representative informed her that after this $1,deposit she would be ready to graduate from her program. Meaning that this amount was sufficient to complete the remaining payments to her creditors and also that she will not have any balance owed to National Debt Relief for our service fees. As she stated in her complaint, *** *** later received a call from that same representative He had called to apologize for any inconvenience and to explain that he had made a calculation error when he spoke to her previously and that she actually has a balance of $in fees for our services. Understandably, she became disappointed and upset.
The matter was escalated to the management level for review After looking into the matter deeper, we’ve been able to confirm that our representative did in fact make a simple mathematical error when calculating her outstanding balance for our fees. However, *** *** has been a loyal client of ours for over a year and a half and we appreciate that. Therefore, National Debt Relief is pleased to waive any remaining fees owed by *** ***
National Debt Relief takes enormous pride in the commitments that we make to our clients It is also with great humility that we honor those commitments. In addition to the fee waiver, we also offer to *** *** an apology for any inconvenience or disappointment that our error may have caused. We wish her the very best of luck in the future!
Yours Truly,
*** ***
National Debt Relief, LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***

Thank you for bringing [redacted]’s matter to National Debt Relief’s attention.  We at National Debt Relief consistently strive to offer and provide quality service to each and every consumer with whom we speak.  Upon receiving notice of [redacted]’s concerns,...

we immediately investigated the matter. [redacted] visited our website, [redacted], on January *, 2015 where she submitted a request to be contacted about our debt relief services.  One of our team members, [redacted], reached out to her shortly thereafter and on January [redacted] e-mailed to thank her for explaining our services and that she will gather some additional documents regarding her debts and e-mail them to [redacted] for her review.  Several weeks later, on January **, 2015, [redacted] e-mailed our office stating that she will not be needing our assistance after all.  That same day, her file was placed in “Not Interested” status, which means that our software database restricted her contact information from future calls.  Accordingly, none of our representatives contacted her again after that day. After receiving notice of [redacted]’s complaint from the Revdex.com, we were able to confirm that she has not been called at all since January **, 2015.  During our investigation, it was noticed that [redacted]’s complaint states she was called on March *, 2015, a Sunday.  This fact immediately stood out because National Debt Relief is closed and does not operate on Sundays.  Our hours of operation can also easily be found on our website, [redacted]/contactus.  Another notable point is that when ** [redacted] attempted to dial back the phone numbers from which she was called, she received recordings stating that the number is either “not in service” or has no voicemail set up.  National Debt Relief indeed owns numerous phone lines, each with its own unique caller ID.  However, all of our phone numbers are connected to our live call center.  Calls that are received outside times of operation are greeted with a “National Debt Relief” recording that allows the caller to leave a voice message.  All of our findings described above have led National Debt Relief to conclude, unequivocally, that [redacted]’s harassing phone calls were made by a rogue person or entity using National Debt Relief’s name without our knowledge or authority.  National Debt Relief’s reputation has been built on our success in helping consumers during times of hardship.  Thanks to our hard work, innovative strategies, and dedication to our clients’ needs, National Debt Relief has established a strong reputation for honesty and reliability across America.  Unfortunately, there have also been times in the past where deceitful parties have attempted to masquerade as “National Debt Relief” in an effort to hijack our good name for their own financial gain.  We’ve sent cease-and-desist letters to such entities (if they could be located) and we previously filed a formal notice to the Revdex.com to make sure they are aware of such activity.  What is more, because consumers commonly “window-shop” with multiple debt-relief providers before choosing the right one, their contact information can sometimes come into the wrong hands. National Debt Relief takes all clients’ concerns very seriously but [redacted]’s recent ordeal is especially troubling to us because she suffered frustration through someone’s abuse of our name and hard-earned reputation.  We, therefore, invite [redacted] to provide us with the phone numbers from which she was called so that we may have the opportunity to confront them directly or to report this matter to the appropriate authorities.  Should she elect to do so, she would play an essential role in deterring similar deceptions in the future.  We wish her the very best in her future endeavors and, needless to say, we will continue to honor her wishes and not contact her in the future.Sincerely Yours, [redacted] 
[redacted]

Thank you for bringing [redacted]’s concerns to National Debt Relief’s attention.  National Debt Relief is committed to providing first-rate service to each and every consumer with whom we speak.  Upon receiving notice of [redacted]’s complaint, we’ve performed a comprehensive...

review of the matter. [redacted]’s contact information initially came into our possession when he visited our website, [redacted], on March *, 2015.  He had submitted a request to be contacted about our services and, in response to his inquiry, our team members reached out to him via telephone on the same day.  From our review of [redacted]’s records, our representative made two call attempts on that day but only spoke with someone once, presumably with [redacted].  The notes in the record confirm [redacted]’s statement that [redacted] asked our representative to leave a message and that [redacted] would return the call at his convenience due to his heavy work schedule.  The next day, Saturday, March [redacted], having not received a callback our representative decided to follow up on [redacted]’s inquiry again.  [redacted] answered the phone and, as [redacted] described in his complaint, reiterated that [redacted] will return the call whenever he can.  In addition, this time she also requested for our representative to not call back again.  National Debt Relief has a very clear company policy that if a consumer requests to not be called again, such request must be complied with immediately – no exceptions.  In direct violation of this policy, however, this team member made yet another call to [redacted]’s home on Monday, March [redacted].  Understandably annoyed, [redacted] stated a second time to “stop calling” and that [redacted] will call whenever works best for him.  [redacted]’s record was then placed in “Do Not Call” status and our review of this matter confirms that no more calls have been made since then.  We at National Debt Relief are always committed to addressing consumers’ needs and frustrations, whether they are clients or potential clients.  Indeed, our entire company has been built on our desire and ability to help consumers in times of hardship.  Part of our success is unquestionably attributed to the policies we’ve implemented and our comprehensive employee training programs.  Because consumers expect the best quality customer service from us, we demand the highest standards of professionalism from our employees.  Once our investigation of [redacted]’s matter discovered the violation of our company’s policy we immediately took action to reprimand the team member accordingly.  We also scheduled refresher-training sessions specifically on the topics of follow-up protocols and our “do not call” rule.  As stated above, [redacted] & [redacted] are currently on our “Do Not Call” list and their contact information is restricted in our database.  National Debt Relief extends an apology for any inconvenience this matter may have caused the Smalls and, needless to say, regrets losing the opportunity to provide them with the same high-quality service that we deliver to consumers across America.  We wish [redacted] & [redacted]s the very best of luck in the future.Sincerely, 
[redacted]National Debt Relief, LLC

I enrolled with National Debt Relief after doing some online research, but in a desperate state. I have five creditors. They were oh so willing to hurry and make me promises and get me signed up. So I did. They claim they will most likely (and have on average) save you around 50% on your debt. That sounded wonderful, heck, I was happy considering saving anything at that point. So what they DON'T tell you, is that supposed 50ish% is going to MAYBE be on the charges when they finally settle. By that I mean: any (and it's exhorbitent with some creditors) additional fees and interest added to the initial debt. And, they seem to 'negotiate' with the smaller easier (as I researched I found out) creditors to settle with. I probably could have done the same and saved myself their 25% fee. They didn't even attempt to settle with my big, nasty creditors until....THEY FILED A LAWSUIT AND CHARGED ME ALMOST 50% additional on my initial debt. Then the best they could 'negotiate' was the initial debt, and yes, PLUS the 25% I would pay them for their 'services'. They initially were helpful on the phone, but soon the wait times got longer, I got different answers to my questions, and yep-downright rude treatment. UNhappy with them. You'd probably be better off biting the bullet and making arrangements with your debtors yourself, or hiring a local lawyer. I would NOT recomment National Debt at this point. I will now most likely take my last 'offer' (roughly 125% total of my initial debt) and leave their services. No idea what this will cost me, they claim I won't owe them if they can't successfully settle my debt. Wonder what that means?

Research this company thinking that it was good to go with after a few months of making a few calls to them after a signed up with the company I noticed it was a mistake due to poor customer service on call backs. My creditors that I listed in the program never got notice that. I was dealing with national debt relief and I was about 90 days in the company. So I tried to calling national debt and instead of dealing with the customer service side of the program that I would deal with. I wanted to get transfer to the department that a credit company would be transferred to well that was mistake. I got hung up on many many times. I could never get any live reps on the phone even after I was informed by the recorder I was next in line it would then hang up on my many times it seem like the company operations was ran in a corner store once. I made my mind up that I was going to cancel my service with the company. I got the run around to be hung up on a few times then later got a long winded speech after three or four try's to talk to someone after. I informed all I want to do is cancel and get all the funds that I paid in the company then the other side of customer service I got from the company the you only have a few hundred dollars in our account and your going to have to wait for the funds as of now I talked two or three people as to the status of my refund not only did they take another payment from my account after I already canceled the program but they caused me NSF fees from taking the payment after I got a email from the company saying all future and current payments won't be taken as of today wouldn't deal or give this company the time or day for anyone....and as far as the money I paid into the company I'm still waiting for it to be ACH into my account as informed by two of there reps from global

Review: I called in to find out information on how they could help us get out of debt. Forty five minutes into the situation they are telling me that I am not able to see the agreement prior to them getting my account and routing number. I don't feel like giving my account and routing number for payment makes sense until I see an agreement or contract of some sort. He then harrassed me with four additional calls after I asked him to stop. Now I am getting calls from the area with people telling me they are opening lawsuits. I feel this sales agent is a compromise of all the personal information I have given him already and need immediate protection for me and my family.Desired Settlement: I for one am asking that I have my wife and my information completely removed from their possession as well as additional protection from Lifelock due to the nature and aggression of the harassment.

Business

Response:

Thank

you for forwarding [redacted] correspondence to National Debt Relief’s

attention. National Debt Relief is committed to providing first-rate

service to each and every consumer, and potential consumer, who comes to us for professional assistance with their debts. Upon receiving notice of [redacted]

concerns, we performed a comprehensive review. As

stated in his correspondence, [redacted] called National Debt Relief on November *, 2015 to inquire about how we can help him accomplish the goal of becoming

debt free. When a consumer calls in to

inquire about our services, they speak with a certified debt specialist who provides

the consumer with a personal consultation.

The debt specialist will answer all of the consumer’s questions and also

analyze their eligibility for our debt relief program. As part of our screening process, we review

the consumer’s debts, monthly budget, ability to save funds, etc. Once the consumer is determined to be

eligible and expresses their desire to enroll in National Debt Relief’s program,

they undergo an underwriting process which includes, among other things, obtaining

the consumer’s banking information. Our

team members are careful to explain that obtaining their banking information is

not for the purpose of charging the client any fees. Indeed, National Debt Relief does not charge

any fees for our services unless and until we obtain a settlement with your

creditors, you approve that settlement, and you make a payment to the creditor

on the settlement. The reason we initially

obtain clients’ banking information is so that we can assist them in

establishing a savings account that is specifically dedicated to their

program. The client will utilize the dedicated

savings account throughout their program to save funds, pay their creditors, and,

when appropriate, to pay National Debt Relief’s fees. Since the dedicated account is an integral

part of our program, the client’s banking information is requested during the

underwriting process. In

our review of this matter, we carefully listened to the telephone conversation

with [redacted], which was recorded for quality assurance. National Debt Relief consistently strives to maintain

quality customer service to all of our clients, and potential clients. A review of the recording revealed that when

[redacted] expressed his concerns about providing banking information, our

team member cordially tried to explain the need for the information. National Debt Relief holds all of our representatives

to a very high standard and, after reviewing the recordings, we are proud to

say that our team member spoke with [redacted] in a professional and

respectful manner. Unfortunately,

though, [redacted] was not comfortable with providing his banking information

and stated that he decided to not move forward with enrollment. It’s truly unfortunate that [redacted] declined

to join National Debt Relief in his quest for debt freedom. However, [redacted] can rest assured that any

personal information obtained from him was kept completely confidential at all

times and not divulged to any other parties.

Our company is built on helping people with some of their most personal matters,

during some of their most vulnerable times. One of the dominant reasons why National Debt

Relief has grown to be a premier debt relief provider in America is because we truly

understand the importance of maintaining the integrity of our clients’ information. As part of our standard protocol, once [redacted] declined to enroll, we closed his file and all of his information has

now been purged. We wish [redacted] the

very best of luck with his finances, and all of his future endeavors. Yours Truly, [redacted]National Debt Relief

Review: I was called well over 20 times in under a half hour by one of the agents at the company - I understand their phone system was not functioning properly at the time, but I was called back multiple times, told not to hang up while they attempted to transfer my call, and then the call would drop; I stated I was not interested in their service as they called way too many times, and they continued to call. This is a highly inappropriate behavior, and should be noted on their recordDesired Settlement: I want all my information removed from their system, and for them to cease contacting me as requested multiple times now...

Business

Response:

Thank you for bringing [redacted]’s concerns to National Debt Relief’s attention. National Debt Relief is committed to providing first-rate service to each and every consumer, and potential consumer, with whom we speak. Upon receiving notice of [redacted]’s concerns, we've performed a comprehensive review of the matter.

[redacted]’s contact information initially came into our possession when he visited our website, [redacted], on August **, 2014. He had submitted a request to be contacted about our services and, in response to his inquiry, one of our team members dialed him via our telephone software. Part of our company’s growth and success over the years is attributed to utilizing sophisticated technology in servicing our clients’ needs. Of course technology, and especially high technology, can afford businesses enormous advantages by enhancing efficiency, organization, and quality. Yet technology also comes with its occasional hiccups and glitches. Unfortunately, [redacted]’s frustrations were caused by one of those technological hiccups.

As stated above, our team member initially attempted to reach [redacted] on August **, 2014 at 3:53PM (EST). That phone call lasted only fifty-one (51) seconds because the call was inadvertently dropped by our phone system. When we called [redacted] back, we informed him that he’ll be placed on hold for a minute or two to be transferred to one of our certified financial counselors but the call was dropped again. This same pattern –

.e., the call being dropped after placing [redacted] on hold – occurred three (3) more times over the next thirty (30) minutes. The same temporary glitch also caused our phone system to automatically and sporadically dial [redacted] multiple times within the same period. Shortly thereafter, our team member reached out again and to “apologize for the inconvenience” by which time [redacted] was understandably frustrated, stating that he was no longer interested in our services and requested to “be taken off the list.” Our representative promptly complied with his request, but the temporary malfunction stubbornly dialed him yet another time. [redacted] then decided to call into our office himself stating, “Your phone system seems to be glitching out and I wanted to be taken off the list.” The problem was resolved within minutes thereafter and no more calls to [redacted] were made again.

We at National Debt Relief are always committed to addressing consumers’ needs and frustrations, whether they are clients, potential clients, or otherwise. Indeed, our entire company has been built on our desire and ability to help consumers in times of hardship. To learn that we may have lost a potential client due to a technological hiccup is not only disappointing to us, it is devastating. There’s no question that [redacted] was justifiably irritated and we’re sorry for having missed the opportunity to provide him with the high-quality service that we deliver to thousands of consumers across the country. As always, National Debt Relief has learned from this experience and will continue our tradition of offering the very best service available to consumers nationwide.

Sincerely,

Review: Pushy Sales guy pressed me to commit to large $399.00 monthly payment for help with debts program; kept insisting; "We may not get your program approved IF YOU DON'T..."

Give me at least TWO contact numbers which I told him explicitly I DIDN'T want to do.

Arrange to pay $399.00 per month for 36 months.

Give me your current bank checking number AND routing number.

Give me your full social security number over the phone.

Sign digital contract agreement as soon as possible and return to us.

He finally agreed to arrange lower $299.00 payment for 33 months since I said I couldn't do the $399.00 Then he said "no problem if you cancel program early", however, contract says; ALL fees still due.

I was afraid of NOT getting help from them and consented to give him ALL my personal info; later I felt "violated" having caved-in to high pressure from this guy. After looking over the multi-page

confusing documents, seeing I would still owe 15% of $16,000 (times 2+ years; 15% for each year of original agreement program, over $5,000) I wrote back saying I'm holding off on contract, WILL LET YOU KNOW IF I WANT TO CONTINUE WITH CONTRACT. Well, he wrote back; "May I ask WHY you won't continue with us?" AGAIN told him need time to explore other options. Shortly after this I get another email, this time in bold print: "[redacted], PLEASE SIGN AND RETURN DIGITAL CONTRACT AGREEMENT" you will be receiving this reminder DAILY until you return to us signed agreement.Desired Settlement: Get pushy company to stop contacting me...PLEASE!!

Business

Response:

Thank you for bringing [redacted]’s concerns to National Debt Relief’s attention. National Debt Relief is committed to providing first-rate service to each and every client and potential client. Upon receiving notice of [redacted]’s concerns we performed a comprehensive inquiry into the matter, which included the review of a recorded telephone conversation and e-mail correspondence. [redacted] initially visited our website, [redacted] on December **, 2014. He had submitted a request to be contacted about our services and, in response to his request, one of our team members reached out to him via telephone. As standard protocol, a certified debt specialist will explain our services in detail, answer any questions, and also analyze the consumer’s eligibility for one of our debt relief programs. As part of that analysis, we review the consumer’s current debt, which necessitates a credit check – that is, a “soft pull” which does not impact their credit score. Naturally, we ask the client for their Social Security Number (“SSN”) so that we can obtain and review their creditreport. When our team member asked for his SSN, [redacted] initially stated that he doesn’t like to give his SSN over the phone but when our rep explained the reason for asking, he freely gave it without expressing any further concerns. It’s also important to note that our fee rate is substantially lower than what [redacted] set out in his complaint. Perhaps [redacted] simply did not understand our fee structure in the manner that it was explained to him but he overstates the rate by almost triple what we actually charge for our services.After speaking with our representative, [redacted] stated that he needed some [redacted]e to consider his debt relief options and that he would inform us of his decision once he made it. In the mean[redacted]e, we e-mailed him a copy of our client agreement to review and electronically sign should he choose to enroll. When our software generates an electronic agreement, the document conspicuously provides one button to “e-sign” the agreement and another one right next to it entitled: “I do not want to sign this document”. When our agreement is out for a client’s signature our system software will automatically send them a daily reminder until they sign it, decline to sign it, or notify us to remove it. Unfortunately, since [redacted] did not click the “I do not want to sign this document” button our software sent him a reminder e-mail on three (3) separate days: December [redacted], and [redacted]. The [redacted] was also the day that we were notified of [redacted]’s complaint. As soon as we were notified, we immediately turned off the automatic reminders and [redacted] has not received any more e-mails from us since. National Debt Relief strives to offer the highest quality of service to our clients, as well as to potential clients. Therefore, we provide intensivetraining for our staff as a means to that end. We also have comprehensive quality control procedures in place to ensure that all of our team members, including our certified debt specialists, maintain the level of service that National Debt Relief is recognized for. As a matter of policy we not only discourage, but absolutely prohibit, any form of “pushy sales.” Should any employee violate this policy we would not hesitate to take the appropriate action to correct such conduct. However, after reviewing the recorded telephone conversations and e-mail correspondences we’ve made the determination that our team member did not violate our policy against high-pressure sales. We do not question [redacted]’s honesty about his feelings but the recordings reflect a respectful conversation and in the very last e-mail sent by [redacted] prior to his Revdex.com complaint submission he stated, “Hey, thanks for the kind reply sir,” and concluded with, “Have a happy holiday season! [redacted] in WA.” Though it’s disappointing to have missed the opportunity to provide exemplary service to [redacted], we wish him the very best of luck in the future. Sincerely, [redacted]

National Debt Relief has been wonderful!!!! They call and let you know what's going on, and I think that is really good service. I have no complaints! !!!! They have helped my son out a great deal so he didn't have to file bankruptcy. Also we know it will hurt his credit for a lil bit but eventually it will go back up. I know it will go back up faster than filing for bankruptcy cuz that sticks with you for over seven years, so this is much better doing it this way. LIKE I SAID THEY ALL HAVE BEEN WONDERFUL IN WORKING WITH US, UPDATING US ON PROGRESS BEING MADE AND SO FORTH. I CAN'T SAY ENOUGH ABOUT THERE SERVICE AND TALKING TO THEM OVER THE PHONE WE HAVE NOT TALKED TO ANY BAD EMPLOYEES, THEY ALL HAVE BEEN TOTALLY AMAIZING!!!!!!! THANK YOU!!!!!

Review: I signed up with NDR in March 2013. In December they "settled" my largest account with a Federal Credit Union. They informed me that they reached a settlement agreement for a specified amount and time frame determined by the Credit Union. I was beyond surprise to hear from the Credit Union legal team that NDR OFFERED a judgement on my account, the credit union DID NOTbring judgement against me. Now, I was made to believe by NDR that they were working in my best interest, why would they OFFER a judgement instead of a settlement agreement. I was told by the credit union legal team that the judgement will be on my credit report for several years. To be honest I signed the "judgement because I didnt want to be taken to court, but i've never seen a judgement before and have never been to court and based on NDR explanation I signed the aggrement. I raised concerns with the CSR I spoke with and [redacted] cant remember if it was a male or female) stated that it was a settlement and if I don't take it the credit union will file judgement against me. Also, they cancelled my account with their company without notifying me. I learned about this through a creditor who left me a voicemail stating that they called NDR to negotiate and was told that my account was cancelled and they are no longer representing me. I received the voicremail from the creditor on 2/*/14 and I only received a cancellation email from NDR on 2/**/14. Their email stated that my agreement was cancelled due to consecutive "missed payments along with lack of communication from me. THAT IS INCORRECT. Their recordings will show the NUMEROUS times i've spoken with them. I have the names of FOUR [redacted] I spoke with on multiple occasions. they were a few times I lowered my payment due to other finicial obligations, after all I am in a hardship program, that's why I joined NDR. Their Quality Assurance Managers approved my request to lower my payments. If there was a problem with my account they should have told me. Also, their contract states that if either party (me or NDR) is cancelling the agreement either of us needs to give 30 day notice. I received no such notice. Another problem I had with NDR, they do not listen to their customers, I received settlement offers that I was willing to pay and they would not accept them. The [redacted] would tell me they will take the offers to the [redacted] and get back to me and they would not get back to me. I had to keep calling them. I think they threw me under the bus with the credit union account because it was my largest account and therefore the largest fee they would receive from me, which is well over $2000. I had a payment due to the credit union at the end of January, because I am moving this month and I requested to lower my payment and was approved by [redacted]. I did not have enough money in my account after they took their fee ( a quality asssurance manager told me they were going to take a percentage that would equal to $900, but over $2000 was taken). I raised the concern with the [redacted] of not having enough money he told me management "may" advance money to make the payments, "not to worry" they'll take care of me". he said it would be in their best interest to advance the funds because they receive their fee for that account only once and it doesnt make sense to miss a payment and void the "settlement" and then they'd have to work on getting it back and wouldn't be paid for that work. Which also made sense to me. Apparently, I was not approved for the advance and NDR did not notify me that I was not approved and the payment was not made. If they had let me know I was not approved I couldv'e tried to make the payment, but I was robbed of that opportunity because I was not contacted. I trusted NDR, they were my financial advisers and they were supposed to be working in my best interest. On many occasions they proudly stated to me that they have years of experience negotiating. I deceided to use their company because I wanted to get out of debt and they were accredited by Revdex.com. I was under stress from all the calls from the creditors and all I was thinking about was getting out of debt. NDR screwed me big time.Desired Settlement: I would like a refund of my money invested into their program. Because they terminated the agreement, I am now left with way more expenses because I now owe my creditors more fees for the months I was in their program. I have seek legal advise and will be taking this further. I have a clearance and that judgement will impact my clearance and that is bacause I trusted NDR!

Consumer

Response:

Hello:

Per an agreement with National Debt Relief I would like to dismiss the complaint I have against the company. A satisfactory settlement has been reached and this particular matter is now closed.

Thank you for your assistance

Review: A third party firm hired National Debt Relief to settle a debt incurred by them, but which my wife was responsible. Arthur K[redacted] was very responsive until the time that National Debt Relief was paid. National Debt Relief settled the debt for us, but when I requested a letter from [redacted] acknowledging that the debt was settled Arthur began ignoring me. [redacted] will only provide this letter to the attorney that represented us, which was hired by National Debt Relief. I have made over seven written attempts and several phone calls to both to National Debt Relief and the law firm they hired, but each one of those communications has been ignored. I am told I will be called back, but never receive a return phone call and have not received a response to my emails in over 3 months.Desired Settlement: I MUST have a letter from [redacted] stating that the debt National Debt Relief settled for my wife has been settled. I have a letter from [redacted] stating their settlement offer. I have confirmation from National Debt Relief that a payment was made, but it does not state to whom. I MUST have written confirmation from [redacted] that the debt no longer exists.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. The merchant responded very quickly to my request once the complaint was received.

Sincerely,

Review: Co. took $29.00 from refund that was not in their refund policy.Desired Settlement: $29.00 refund back

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I joined this company and signed a contract agreeing to pay roughly 411 dollars a month for 3 years. I had roughly 23k in debt and was told I was an excellent candidate for the program. I was told on a recorded call that hundreds of thousands of people are currently enrolled, many with debt ranging over 100k. I was told that compared to others in the program I had a very low chance of being sued. This company also stated that if sued or legal action is taken, I would be defended (By them) at NO cost to me. I paid my 411 dollars per month on time consistently and without issue for nearly 2 years now. I received a settlement offer for two of my three accounts and National Debt relief took their large fees. Which is ok as I agreed to it. Low and behold in March 2015 I get Served by a Service company at my home stating that I am being sued by [redacted] for lack of payment & Communication etc.

I call National Debt relief to inform them immediately that I am being sued. They say yes we will cover you but surprise! We need 200$ Extra in order for us to write up the necessary response to the courts in the 20 days you have to respond, so [redacted] does not win the case by default. Ok this was not mentioned in our recorded calls as I was told specifically I would be defended in this situation (Which I was told was unlikely) At no Cost to me as it is required in Minnesota to go thru an attorney when dealing with Debt relief anyway.

So Being in a bind (Mind you I have one child that I am paying for multiple surgeries this month alone, plus my wife is pregnant with our second. I come up with the extra surprise 200 dollars for them to type up a response to the Courts on my behalf. I'll be honest I am not familiar with being sued/Court Cases/Or how to respond to a 6 page letter informing me that I was being sued.

Fast forward to today. Now that I am being sued and paid them to submit a response, they finally communicate with [redacted] and reach a settlement. The settlement is for roughly 6750 on a 9900 dollar debt. Add in the fees and the 200 dollars I am barely coming out even. So I receive my final call today on the account I was being sued over. They say great news!!! We reached a settlement. for the above stated amount. to be paid over one calender year. With our fees included we need an EXTRA1100 Dollars the first month (On top of your monthly 411 which I thought would cover my debts if I paid that over 3 years) An extra 200 dollars the second month and extra 500 dollars the third month and so on for the whole year....Including another extra 1000 on the last month of the payment one year from today. I, being someone who reached out to this company for help supposed to come up with thousands of extra dollars over the next year!??! I called for help and we agreed that 411 per month would suffice as it was well over the "average" settled amount and should cover it. Now I am still paying a mortgage, thousands in surgeries for my son, plus the 411 a month, and my wife is expecting. Add that on top of this company asking for thousands more than our agreed amount over the next year. Where is this money to come from and how is this good news. Beware this company and they sugar coat their sales tactics and promise outcomes which they certainly cannot reach and you ( The struggling customer) is left to magically come up with extra money. Even though they calculated the original monthly payment to take most of all your "spending money" already. Be advised - Not as good as they make themselves sound.Desired Settlement: I would like the outcome to be as advertised to me on our multiple phone calls. I am unable to come up with these magical thousands of dollars extra your company has sprung on me last minute. I find out today 4-8 that I need an extra 1k something dollars by april [redacted]?!

Consumer

Response:

I filed this complaint yesterday in error. As my file had been transferred to another company to assist me and I was not aware. This complaint is in error, incorrect and my fault as I was not patient to hear from the transfer company regarding my situation. Thank you

I have reviewed the response made by the business in reference to complaint ID [redacted],

Sincerely,

Review: This company started calling us Friday, March [redacted]. They called THREE times in a 4 hour window. The first time they hung up when someone answered the phone. The next time the phone was answered they asked for me (Daniel) and was told I was NOT home. When they called a third time they were asked by my wife if they could leave a message. The woman who had called was VERY hesitant about this but my wife let her know that I am at work a LOT and it would be easier to leave a number so I could call back at my convenience. They called AGAIN on Saturday. My wife answered the phone AGAIN and let the woman know that they were told to STOP calling as I do spend a lot of time at work. The woman apologized and said she would make a note of it. They called again a little after 1PM when no one was home. I did also try to reach them but ended up leaving a message and letting them NO to stop calling! We did NOT hear from them on Sunday but they were the FIRST phone call we received today. My wife was NOT VERY nice to them as they have been asked to stop calling, that I would call when it works for me and I did and all I got was an answering service. They claim that I sent them an inquiry for help with debt relief of unsecured debt. I NEVER did such a thing and would just like for them to STOP calling! We know it is them calling as their number comes up as a Lacrosse WI number on the caller ID, even though it is a company based out of New York!?Desired Settlement: We would just like for this company to STOP calling as we have asked THREE times to stop and that does NOT seem to be helping!!!!

Business

Response:

Thank you for bringing [redacted]’s concerns to National Debt Relief’s attention. National Debt Relief is committed to providing first-rate service to each and every consumer with whom we speak. Upon receiving notice of [redacted]’s complaint, we’ve performed a comprehensive review of the matter. [redacted]’s contact information initially came into our possession when he visited our website, [redacted], on March *, 2015. He had submitted a request to be contacted about our services and, in response to his inquiry, our team members reached out to him via telephone on the same day. From our review of [redacted]’s records, our representative made two call attempts on that day but only spoke with someone once, presumably with [redacted]. The notes in the record confirm [redacted]’s statement that [redacted] asked our representative to leave a message and that [redacted] would return the call at his convenience due to his heavy work schedule. The next day, Saturday, March [redacted], having not received a callback our representative decided to follow up on [redacted]’s inquiry again. [redacted] answered the phone and, as [redacted] described in his complaint, reiterated that [redacted] will return the call whenever he can. In addition, this time she also requested for our representative to not call back again. National Debt Relief has a very clear company policy that if a consumer requests to not be called again, such request must be complied with immediately – no exceptions. In direct violation of this policy, however, this team member made yet another call to [redacted]’s home on Monday, March [redacted]. Understandably annoyed, [redacted] stated a second time to “stop calling” and that [redacted] will call whenever works best for him. [redacted]’s record was then placed in “Do Not Call” status and our review of this matter confirms that no more calls have been made since then. We at National Debt Relief are always committed to addressing consumers’ needs and frustrations, whether they are clients or potential clients. Indeed, our entire company has been built on our desire and ability to help consumers in times of hardship. Part of our success is unquestionably attributed to the policies we’ve implemented and our comprehensive employee training programs. Because consumers expect the best quality customer service from us, we demand the highest standards of professionalism from our employees. Once our investigation of [redacted]’s matter discovered the violation of our company’s policy we immediately took action to reprimand the team member accordingly. We also scheduled refresher-training sessions specifically on the topics of follow-up protocols and our “do not call” rule. As stated above, [redacted] & [redacted] are currently on our “Do Not Call” list and their contact information is restricted in our database. National Debt Relief extends an apology for any inconvenience this matter may have caused the Smalls and, needless to say, regrets losing the opportunity to provide them with the same high-quality service that we deliver to consumers across America. We wish [redacted] & [redacted]s the very best of luck in the future.Sincerely,

[redacted]National Debt Relief, LLC

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I contacted this company for information on possibly settling my debt. I decided this is not the route I wanted to go. Ever since that conversation, I have been contacted by several different represenatives. I continue to tell each represenative to please remove my name and number from their list and to stop contacting me. They have yet to do so. Some say yes they will do it and hang up on me. Others just hang up the phone while I'm speaking. THey are calling all hours of the day and evening. It is quite fustrating that they haven't heard to my request. Not only are they calling constantly throughout the day, its within the same hour.Desired Settlement: Please remove my number and information from your data base and DO NOT CONTACT ME anymore. I do not want to be contacted by this company for any reason.

Business

Response:

Thank you for bringing [redacted]’s concerns to National Debt Relief’s attention. We at National Debt Relief consistently strive to offer and provide quality service to each and every consumer with whom we speak. Upon receiving notice of [redacted]’s concerns, we’ve taken the time to review the matter.

[redacted]’s contact information initially came into our possession when she visited our website, [redacted], and submitted a request to be contacted about our debt relief services. One of our team members first reached out to her on September *, 2014. After our representative described our services to [redacted] and answered some questions about our debt resolution program, [redacted] stated that she needed to speak with her husband before making any final decisions. The next day [redacted] and her husband, [redacted], both called in separately with some follow-up questions. They both spoke with the same representative with whom [redacted] spoke the day before. The first conversation lasted approximately fifteen (15) minutes and the second conversation lasted roughly eight (8) minutes. At the end of the second conversation, [redacted] informed our representative that he would like to do some additional research and that he would get back to us in a day or two. Our team member called [redacted] two days later, September *, 2014, in an effort to follow up on their previous conversations but was unable to reach her after making a few call attempts. Later that same morning, at approximately 11:46AM, [redacted] called in to National Debt Relief and requested to be taken off of our call list. She was placed on a do not call list immediately.

After we received the Revdex.com’s notice of [redacted]’s complaint, we performed a detailed search of our call records for all calls (incoming and outgoing) for the only phone number we have on file for [redacted]: ###-###-####. Our records show that there haven’t been any calls made to [redacted] since her request to be removed from our database.

National Debt Relief is proud of our customer service and marketing practices. Being a leading debt relief company, we know what a nuisance unwanted phone calls can be to the average consumer. Many of our clients often seek our advice when they’re being bombarded with collection and solicitation calls. Therefore, our standard practice in acquiring new clients is to only respond to requests for information submitted on our website. We are disappointed that [redacted] and [redacted] declined to retain our services but we wish them the best of luck. As they have requested to be removed from our database and no more attempts have been made since September *, 2014, National Debt Relief considers this matter closed.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Please do not make this public as the response from the company shows my phone number and I do not want that to be public.

thank you

I contacted national debt relief to see what options I had to help with my credit card debt. I gave them all my information and they told me how the program works, how they would reduce your balances by up to 50% and then they told me their fee was 25%. So after some thought I decided the program was not for me. Now what I did not like was when I called to tell them I wasn't interested, they tried to talk me out of my decision. Now I would've been fine with that until I received a second phone call from somebody else wanting to know why I was not interested. When I went to explain myself they basically belittled everything I had to say. Now if this is truly a reputable company then why is it that their representatives act like a pushy used car salesman try to sell you a lemon. Do I believe that they can get you debt-free, sure by force closing all of your accounts and destroying your credit score all while still having to pay at least 75% of the debt owed. No thanks..

Excellent company. Excellent customer service. Five star rating.