National Debt Relief

Review: This company told me they would take care of my credit card debt, I was set up to make a deposit of 253 monthly, for a couple of months I could not pay this amt due to being short on money, thats why I called them in the first place and they weren't saving me much either.

They never told me I couldn't do this, they closed my acct and never told me and my credit cards were never paid a penny by them.

Now I am stuck with higher balances since I was told not to pay my creditors anyting. this started in November I am in a mess.Desired Settlement: Also they can pay the interest that has accured on my cards since November 2013. They never told me I would be kicked off program if I didn't pay the set amount, Crooks

Business

Response:

Dear [redacted],

Thank you for bringing the above mentioned complaint to National Debt Relief’s attention. National Debt Relief is committed to providing each and every consumer we come in contact with exemplary service that holds true to our goal of “doing what is best for the Client”

This complaint is quite a surprise. [redacted] originally signed an agreement with National Debt Relief on November *, 2013 that required her to deposit $251.37 monthly beginning on November **, 2013. Between November 2013 and February **, 2014, the day National Debt Relief terminated [redacted] agreement, she made deposits totaling $300.37 instead of the contractually agreed amount of $1005.48. It was on this same day [redacted] called in to again reduce her next scheduled deposit to $20 instead of the regularly scheduled $251.37. It was at this time [redacted] was informed her file would be closed with our office in accordance to Section 13 of the agreement she signed. When the Customer Service representative attempted to explain the reason her file was being closed [redacted] disconnected the phone call. The Customer Service Representative escalated the matter to the point I personally emailed and called [redacted] who again chose to hang up on me after saying. &ld quo;I get it, It is my entire fault”.

• Email Sent to [redacted];

Good Morning [redacted],

Your file was brought to my attention this morning by [redacted] the [redacted] here at National Debt Relief a few moments ago. He tells me you are frustrated with the services you have received from our office. As the [redacted] this concerns me greatly. National Debt Relief prides itself on providing each and every client with outstanding service. When we fall short of this mark we will do everything within our power to “make it right”.

I invite you to contact me directly by calling ###-###-#### so that I may better understand your frustration and “make it right” for you. If I do not answer my phone when you call in please leave a message with the best time to return your call. When we talk I will have two simple goals. This first is to understand your frustrations and the second is to make you happy. I know if given the opportunity I will accomplish both goals in a very short time.

I look forward to speaking with you,

National Debt Relief

National Debt Relief holds itself to the highest standards in the industry and must make the difficult decision to terminate a Client’s file when we no longer believe our services are in their best interest. This determination was made in [redacted] case because our ability to negotiate settlements on her behalf is only possible if she makes the deposits outlined and required of her under the agreement.

I would like to take a moment and address each of the complaints raised by [redacted]

• “They never told me I couldn’t do this”.

o The agreement clearly outlines [redacted] required monthly deposit

o The agreement clearly states it may be terminated by National Debt Relief for Breach of Contract on [redacted] part. One of the definitions of Breach of contract is failing to make the agreed upon deposits.

o When [redacted] was told reducing her February deposit would result in the

o termination of her agreement she hung up on not one, but, two different representatives of National Debt Relief.

• “Now I am stuck with higher balances……”

o At the time of [redacted] enrollment with National Debt Relief she was already 60 days late on at least one of the debts she enrolled with National Debt Relief.

o [redacted] monthly minimum payment prior to enrolling with National Debt Relief was approximately $400. Since she could not make a $253 monthly deposit into her savings account with National Debt Relief, it is logical to assume she would not have been able to make her monthly minimums and therefore would have fallen behind on her own.

• “They never told me I would be kicked off the program if I didn’t pay the set amount, Crooks”

o National Debt Relief did not charge or receive a single dollar in fees from [redacted]. Once her agreement was terminated due to her “Breach of Contract” the deposits she had made were returned to her less bank fees charged by Global Client Solutions.

National Debt Relief is committed to doing what is in our client’s best interest even when they may not agree. Debt Settlement is not the best course of action for [redacted] to alleviate her over burdensome debt load. Her inability to make the required monthly deposits led us to this conclusion. I understand [redacted] frustration from being overwhelmed by debt. I also understand her lashing out against National Debt Relief, as miss placed as it may be.

Thank you for the time spent in resolving this matter. Feel free to contact me with any follow up questions you may have regarding [redacted] complaint.

National Debt Relief

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

THAT IS WHY I CONTACTED Revdex.com; THEY DID NOT TELL ME THE FILE COULD BE CLOSED, THEY ARE JUST SAYING THAT TO COVER FOR THE MISTAKE AND I'VE HEARD OTHER COMPLAINTS ABOUT THEM ALSO. I AM AN HONEST PERSON BUT I DON'T APPRECIATE NOT BEING TOLD SOMETHING AND THAT THEY TOLD ME IT WAS OK TO DO THIS AFTER I ACTUALLY ASKED THEM IF IT WAS AND COULD I BE KICKED OFF THE PROGRAM, THEY SAID NO IT WOULD JUST TAKE LONGER TO PAY. I HAVE SINCE CONTACTED ANOTHER DEBT RELIEF PROGRAM THAT HAS THINGS SET UP CORRECTLY AND ARE GOING TO PAY MY DEBTORS RIGHT AWAY INSTEAD OF WAITING WHILE 2 OF MY CARDS WENT INTO COLLECTIONS BECAUSE OF THIS. NOT A GOOD PROGRAM! THEY CAN CONTINUE TO SAY THEY TOLD ME SUCH AND SUCH BUT I WAS THE ONE ON THE OTHER END AND THEY NEED TO EITHER REDO THEIR PROGRAM OR LET PEOPLE KNOW THEY CANNOT MAKE SMALLER DEPOSITS. THEY REALLY MESSED THINGS UP FOR ME!!

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Thank you for giving National Debt Relief an opportunity to respond to [redacted]' most recent comments.

National Debt Relief stands behind our initial response to [redacted]' complaint as accurate and factual.

In [redacted]' most resent comments she again asserts National Debt Relief failed to inform her the repercussions of failing to make timely deposits according to the agreement could result in her file being closed by our office for Breach of Contract. She makes this claim in the face of overwhelming evidence to the contrary. Including but not limited to, the Breach of Contract clause in the agreement she signed, the disclaimer she was read each time she altered her deposit, the information contained in the Welcome Package she received electronically and physically by mail.

In her most recent comments she insinuates National Debt Relief stole money from her by not giving her a complete and full refund. At no time did National Debt Relief receive or refund any monies to [redacted]. At the onset of the relationship established by the agreement she signed with our office [redacted] opened a Dedicated Account with Global Client Solutions to be used to fund settlements and fees for National Debt Relief. Global Client Solutions is a third party entity responsible for drafting, housing clients funds in an FDIC insured bank account and the disbursement of those funds. [redacted] received monthly statements for the account as well as having online access to view her account activity at any time she would like. Global Client Solutions drafted funds from [redacted] and processed her refund when her account was closed. National Debt Relief made no settlements for [redacted], therefor did not earn or receive a fee. Her vague insinuation is consistent w ith the lack of validity of her entire complaint.

I cannot speak to the "Debt Relief Program" she has sent entered, but, in her most recent comments she stated "instead of waiting while my two cards go into collections..." National Debt Relief clearly states in its agreement and all supporting documentation and communications including, but not limited to; Recorded Welcome Call, Welcome Package, emails and telephone conversations clearly state all debts enrolled with National Debt Relief will become delinquent or further delinquent before a settlement is reached.

You have asked National Debt Relief what actions our office can take to resolve this complaint. I am not certain how to answer this question since [redacted] has not asked for anything as a way to resolve her complaint. She simply seems to be lashing out and complaining in the face of overwhelming evidence to the contrary.

National Debt Relief sets client's expectations properly at the outset of the relationship at all times. I understand [redacted] is frustrated and simply wants to complain and can appreciate her frustration. National Debt Relief is committed to providing an unparalleled service to each and every client. Even when executing on that commitment not the popular choice. National Debt Relief cannot in good conscience continue to represent a client when we believe our representation is not in the client's best interest and/or will serve no benefit to the client.

[redacted] file was closed because of this commitment and only after a number of representatives, including myself, attempted to discuss the situation with her to no avail. Before my conversation with her she spoke to a Customer Service Representative, a Supervisor, a Manager and a Department Head. [redacted] hung up on me as well as many others and did not allow any of us to assist her. The call I personally had with her went much like the recorded calls I listened to when researching her complaint. During these calls [redacted] stated what she wanted and why she wanted it. When a National Debt Relief representative would attempt to explain the ramifications she would simply say something to the like of "I am the client do what I am asking" and would hang up. When speaking to me she said "I get it, it is my entire fault." and hung up. When I attempted to call her back she did not answer nor did she return any of my calls.

A Debt Settlement Program will not work for anyone unless we are working together as a Team towards the common goal. This is the reason our agreement specifically states that each and every client must communicate with our office in an open, honest nature by discussing their account and answering all questions and communications from our office. When National Debt Relief is faced with a client who is unwilling to do so we must make the unfortunate decision to close their file since we know through experience they will not benefit from our service.

Thank you for your time and effort in attempting to resolve [redacted] complaint. If their is anything National Debt Relief can do in assisting to close this complaint amicably please don't hesitate to ask.

National Debt Relief

Review: I called National Debt Relief at the behest of my father because he said the line dropped when he tried to call. I called ONCE and the same thing happened to me so I told my father to try again tomorrow. Ever since then they will not stop calling me. I told them I do not need their services what-so-ever. I've called them on 3 different occasions to take me off the call list and they promised me they would. I work graveyards and the calls wake me up in the middle of the day. It is having a negative impact upon my health, overall well-being and work performance.Desired Settlement: STOP CALLING ME, STOP CALLING ME, STOP CALLING ME. Need I say it again and again and again? I'm tired of being harassed!

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.They finally stopped calling me.

Sincerely,

Review: I've been with this company for 4 months trying the get my debt consolidated with 4 creditors. They promise me that they will start to negotiate with them within 3 months. It have been over 4 months now and I still receive calls from my creditors. When I called to national debt relief they say something different every time I call like I need 20% percent of my money I sent to them in order to start negotiate with the creditors. Also they would say that they will take another month to call them. As of now I've sent them $ 1,127.52 and still haven't receive an debt solution or a letter that they reach an agreement with the creditors. The creditors haven't receive notice from them as of today September **, 2015. I know they are just getting me a runaround and its not fair and I want this resolve.Desired Settlement: I just want my money back to pay my creditors and cancel my program with national debt relief

Business

Response:

National Debt Relief is a nation-wide debt relief provider primarily devoted to average consumers who have become overwhelmed with mounting consumer debt. Over the years, our commitment to our clients and our principles have allowed us to grow and become an industry leader in helping consumers resolve their debts and getting their life back. When we received notice of [redacted] concerns, we addressed it immediately. On April **, 2015, [redacted] made the very important decision to take action on his accumulating debt and hired National Debt Relief to work with his creditors to reduce his balances. He enrolled four (4) accounts that, collectively, have a total balance of approximately $12,000. The debt relief program we designed for him was for a thirty (30) month term. This simply means that, based on his total debt load, his savings ability, and several other important factors, we estimated that with our program he can attain significant savings on his four (4) accounts and become debt free in approximately thirty (30) months. We had explained to [redacted] that it typically takes approximately (4) months to receive a settlement on the first account. However, this four-month estimate is simply an approximation based on our prior experience and expertise, not a guarantee. As with all of our clients, this four-month period was presented to [redacted] as an estimate at the outset of his program and on other occasions. Unfortunately, when [redacted] did not receive his first settlement within the first four (4) months he was disappointed and decided to opt out of our program. Abiding by his decision, we immediately took all appropriate steps to cancel [redacted] program and close out his file. Since we had not yet obtained any settlements for him, we did not charge him any fees for our services. As part of our cancellation protocol, we also notified his financial institution to return to him all of the funds he had deposited into his dedicated savings account during the course of his enrollment. After a full review, we can confirm that his funds were wired back to him on September **, 2015, minus the small monthly fees that the financial institution charges to maintain such savings accounts, similar to many banks. The total fees charged by the financial institution were $58.25. Needless to say, National Debt Relief was very disappointed that [redacted] opted out of his program prior to realizing the significant financial benefits that our clients attain through our services. Nevertheless, we wish him success in resolving his debts and the very best of luck in all of his future endeavors. Yours Truly, Alex K[redacted]National Debt Relief, LLC

Review: I joined this company a couple years ago. Money was taken from my bank to finish paying service fees when I decided to drop the program, I was previously told that they collected their fees when the debts was settled. One of the creditors contacted me stating that the debt was still owed even though this business was said to have handled the settlement of this debt. An explanation of how finances were distributed was given but,I feel I over paid and on top of that I still owe money on a debt I thought was settled.Desired Settlement: Finish the job

Business

Response:

Thank you for conveying [redacted]’s correspondence to National Debt Relief’s attention. As a debt-relief provider, our mission is to help consumers navigate through rough financial waters. Our clients rely on us during stressful times and, therefore, we give all of their matters the attention they deserve. When we received notice of [redacted]’s matter, we addressed it immediately.[redacted] was a client of ours for approximately two years, enrolling in July 2013, until he recently decided to tender his cancellation. Like all of our clients, he enrolled in our debt-resolution program to achieve debt freedom at the pace he could afford. As with any service provider, we cannot give any guarantees but we do our very best. We’re also a purely performance-based company, which means we don’t charge our clients any fees unless and until we obtain a settlement for them. National Debt Relief is fully-compliant under the [redacted]’s Telemarketing Sales Rule (“TSR”) which prohibits debt-settlement providers from collecting any fees prior to settling or otherwise resolving a consumer’s debt. During the two years that [redacted] was our client, we successfully negotiated and settled five (5) of his debts through our program, thereby earning our fees for each respective settlement. National Debt Relief will sometimes defer our collection of fees as a tactic which has proven to help our clients afford subsequent settlement opportunities sooner rather than later. In the instance that [redacted] references in his correspondence, we delayed receiving our fee until a later time. When [redacted] notified us of his decision to cancel from our program, though, we went ahead and collected the earned fees that we had previously deferred. We did not collect the entire amount due, however, since [redacted] did not have adequate funds at the time. Additionally, [redacted] stated in his complaint that he believed one of his accounts was already settled but that he was later informed by the creditor that he still had an outstanding balance. A review of [redacted]’s file confirmed that, at the time of his cancellation, he still owed one remaining payment to complete that settlement. Unfortunately, [redacted] failed to make that last payment after he cancelled from our program and, therefore, now has a remaining balance. Needless to say, National Debt Relief is disappointed to lose [redacted] as a client. He was a good client of ours and it would have been great to help him achieve the financial goals he set forth almost two years ago. In consideration of this, National Debt Relief would like to offer [redacted] a waiver of the remaining fees due (which are relatively small), as well as a partial fee-refund to enable him to make the final payment on his remaining account. We sincerely hope that he will find this to be a satisfactory offer and, however he may decide, we wish him only the very best in his future endeavors. Sincerely, [redacted] National Debt Relief

Review: I saved $1950.00 to go towards my settlement agreement with one out of four of my credit card debtors. This company settled for 35% of my debt promising to pay them 164.90 for 10 months come to find out the company pocketed $1039.00 before paying the creditor. I questioned this and got many different stories 2 employees told me that this doesnt normally happen and they have no idea why the company collected there money before the debt was paid, but he would notate the account and make she it doesnt happen again, but I cannot get my money back. Another lady told me that they have a lot of new people and that it sounds like they need more training because the creditor is always paid first and then national debt relief collect their fees. Another man told me that $1039.00 was taken for attorney fees in case someone tried to sue me. I got a lot of differnet stories and hung up on alot. I wanted a copy of my settlement agreement, and they told me I would receive a letter in the mail. I never received anything so I called and they told me there wasnt anything that they could provide, on paper but they have a audio recording in my file. I cancelled this program but I am out $1039.00. I saved from Jan. 2014-May 2014 $1950.00 and once they came up with a settlement it left me with $0.00 having to start over saving again. This is a rackeet and a scam. They told me they were for the people, but they are not if they were for the people that creditor would've got paid first and not them. I asked for at least half of a refund back, but you declined. I have chalked it up as a lessoned learned and hope whoever has my money spent it wisely. I am aware of the fee based off of my total debt, but I had 4 creditors to settle with I feel like the fees should have been divided upon the stay of the program 28 months or less. Very dissatisfied.Desired Settlement: I would like all of my money back that was saved $1950.00, because I didnt get anything out of this program and it didnt cost the company or me anything to sign up. I still have the debt and got lied to alot. Employees told me that they shouldnt have collected that amount of fees at once that goes to show you that this company was wrong. The company has $1039.00 for doing nothing!! I would like my money back!

Business

Response:

Thank you very much for bringing [redacted]’s matter to our attention. National Debt Relief is in the business of assisting consumers who find themselves in stressful circumstances relating to their finances. We at National Debt Relief understand all too well how financial difficulty can impact peoples’ lives and our mission is to make those times a little easier. Indeed, our slogan is “Get Your Life Back.” So because clients depend on us during such sensitive times, we take their concerns and complaints very seriously.

[redacted] was a client of ours until recently, initially enrolling on January *, 2014 and then cancelling her service at the end of July. Like all of our clients, she enrolled in our debt resolution program to help her pay off her outstanding unsecured debts for less than the full balances. In essence, to achieve debt freedom while saving as much money as possible along the way. Of course we don’t earn a single dime unless and until we obtain a settlement for our clients. It may be no surprise that negotiating and obtaining a settlement with a creditor often takes some time and we explain this reality to our clients at the outset of their program. On average, a client’s first settlement is reached 3 – 6 months after enrolling in National Debt Relief’s program. For [redacted], we obtained her first settlement in less than 5 months. Moreover, the settlement was for 35% of her full balance, meaning her creditor accepted 35% of the full balance in full satisfaction of the debt. 35% is a great settlement by any standards. It is below the average estimate of 50% that was disclosed to [redacted]. Furthermore, we were able to work out a settlement that did not require a kump sum but smaller payment over a number of months. [redacted] approved such terms.

National Debt Relief is fully-compliant under the Federal Trade Commission’s Telemarketing Sales Rule (“TSR”), which prohibits debt-settlement providers from collecting any fees from a debt relief customer before settling or otherwise resolving the consumer’s debt. Therefore, once [redacted] approved the terms of this settlement and made her first payment to the creditor, we formally earned our fee for that settlement. We collected our fee at that time in accordance with the TSR, as well as National

Debt Relief’s client agreement which [redacted] had previously reviewed,discussed, and signed. It should be noted that [redacted]’s complaint does not take issue with the amount of our fee but merely the timing of its collection. Specifically, she stated that she was told by one of our representatives that a “creditor is always paid first and then National Debt Relief collect[s] their fees.” After receiving [redacted]’s complaint, we conducted a thorough investigation which included listening to recorded calls. [redacted]

[redacted] was certainly told that we may collect our fee in full after paying a creditor, but not that this was “always” the case. Indeed, there are instances where we do not collect our fee in full upon earning it; i.e., we collect it in increments over time instead. However, this typically occurs only where we cannot collect our entire fee without placing the client’s other settlements at risk. On the other hand, if we are able to collect our entire fee without jeopardizing a client’s program in any way, we will do so once the fee is earned. [redacted] was specifically informed that neither her first settlement nor her future settlements were at risk by collecting our entire fee.

[redacted] also states that National Debt Relief collected our fee “before paying the creditor.” She further stated that two employees told her that “this doesn’t normally happen and they have no idea why the company collected [their] money before the debt was paid.” This was actually correct information that was given to her. Not only does this not “normally” happen, but National Debt Relief has safeguards in our company software to ensure that this never happens. A simple review of [redacted]’s account transaction record clearly shows that the creditor payment was made on 5/**/2014 and that we received our fee on 5/**/2014, after the creditor payment.

In conclusion, it is unfortunate that [redacted] experienced frustration with our program, especially after receiving an exceptional settlement on her very first account. Needless to say, the disappointment here is mutual because we would have loved to have continued on the same path and obtain more great settlements for her. We wish [redacted] the very best and we’ll be here if she should ever have a change of heart.

Review: They do not stop calling me. Its going on non stop.Desired Settlement: I need them to stop contacting me.

Business

Response:

RE: ID [redacted]

Dear [redacted],

Thank you for bringing the above mentioned complaint to National Debt Relief’s attention. National Debt Relief is committed to providing each and every consumer we come in contact with exemplary service.

This complaint is quite a surprise. The facts show the complainant visited NationalDebtRelief.com on 9/**/2013. The complainant came to NationalDebtReleif.com after viewing our information on [redacted] after completing a [redacted] for Debt Relief. Once at NationalRelief.com the complainant completed an online “request for Information” form. In this form the complainant provided the contact information used by National Debt Relief in an effort to reach him as he requested. National Debt Relief is able to provide the Meta Data along with IP addresses to support the above facts.

NationalDebtRelief.com provides all consumers with a privacy policy that includes how our office uses personal information submitted online. The privacy policy also allows National Debt Relief to contact consumers who submit their personal information to our office via NationalDebtRelief.com.

At no time did the complainant request not to be contacted by National Debt Relief until we received the Revdex.com complaint sent to us by your office. That day the clients contact information was added to our in-house do not call list.

Based on the facts stated above I believe this to be a frivolous complaint and ask the Revdex.com to expunge it from National Debt Relief’s record.

Thank you for the time your office spends in resolving this matter.

Vice President, Operations

National Debt Relief

Review: Telemarketer hangs up when I ask to have my name removed from their call list.

My number was fraudulently entered on a website, which later sold the number to various telemarketers. When I ask to have my number removed, the caller hangs up. But the unsolicited sales calls continue from various loan/debt consolidation companies.Desired Settlement: I thought it was illegal to not remove a number when requested to do so. They appear to work around that technicality by quickly hanging up.

PLEASE help me to have these calls stopped! Thank you.

Business

Response:

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 conducted a careful and comprehensive internal investigation. Our investigation of this matter involved searches of our telephone and e-mail records (incoming and outgoing), and examining our software database for [redacted]’s name and possible variations of her name. All of our inquiries yielded no results for any historical activity related to [redacted]. Indeed, [redacted]’s name and contact information first came to our attention when we were notified of her complaint by the Revdex.com. Therefore, National Debt Relief has concluded that [redacted]’s harassing phone calls were made by another company or person. She explains in her correspondence that she was a victim of identity theft where her “number was fraudulently entered on a website, which later sold the number to various telemarketers.” National Debt Relief does not purchase consumers’ contact information from any third parties. Instead, we advertise our debt-relief services on the internet where consumers are invited to visit our website, www.nationaldebtrelief.com, and request a “Free Debt Relief Quote”. Once we receive the request, one of our certified debt specialists reaches out to the consumer to explain our services and answer any questions they may have. Had [redacted]’s contact information been submitted on our website we would have a record of it. In this instance, however, we've found nothing at all. Over the years National Debt Relief has worked hard to become one of the leading debt relief providers in America. Being a consumer-debt-focused service, our reputation depends on understanding consumers’ needs and expectations, which begins at the front door. Therefore, we give every potential client the same level of care and courtesy that we give our existing clients. Unfortunately, though, [redacted]’s contact information was never submitted to National Debt Relief and so we did not have the opportunity to provide her with our services. We wish her the very best of luck in the future and she has our assurance that we will honor her request and not contact her.Sincerely, [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The telemarketer calls contacted my phone number (###-###-####), but did not ask for me by name. They always asked for "[redacted]." I have not been able to learn the last name, if any, these telemarketers have on their call list. No one named [redacted] has ever lived here. Your response to my complaint indicates you searched your records for my name, not phone number. I would not expect a search of your data base to find my name or any variation thereof. I do hope you also searched concurrently for my phone number, as that appears to be the fraudulently provided information that has led to my current troubles.You seem to be an ethical and conscientious enterprise and I appreciate your efforts to help me. However, is it possible to search your records by telephone number (not name)? The phone number, not my name, appears to be the source of the fraud. The problematic telemarketers did identify themselves as calling from National Debt Relief. They might be scammers who have no connection to your business and are using your good name to gain access to potential consumers. I would imagine this would be of great concern to your business.For the sake of both the integrity of your business name and my peace of mind, would a data search by phone number reveal any information that might reveal from who/where these telemarketing calls originate? You could stop them from using your name and I would, hopefully, receive fewer calls. Win/win!Thanking you in advance for your attention to this matter.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Dear [redacted], Thank you for your reply. Needless to say, National Debt Relief understands your frustrations and desire for peace of mind. We apologize if we did not clearly communicate the full extent of our internal investigation. When we performed our inquiry, we searched our database for all of your information, which the Revdex.com had provided to us within the body of your initial correspondence. Specifically, we performed individual searches of the following items: your name ([redacted]) with possible spelling variations, your phone number ([redacted]), your address ([redacted]), and your e-mail address ([redacted]). Also, though your correspondence indicated 4/**/2015 as the date of occurrence, we did not limit the timeframe of the search; meaning, we would have detected your information regardless of when it entered our system. Unfortunately, it yielded no results. You had also expressed your feeling that a deceitful party may have attempted to hijack National Debt Relief’s good name for their own benefit. Given the thoroughness of our internal investigation and its “findings”, we share your suspicion. National Debt Relief has worked tirelessly over the years to earn our reputation for integrity and dependability. Unfortunately, it’s not uncommon for predatory entities to pose as well-known, reputable companies to attain short-term financial gains. Indeed, we have formally notified the Revdex.com of such activity in the past, as we have a reputation to preserve. We, therefore, invite you to provide us with the phone numbers from which you were called so that we may have the opportunity to confront them directly or to report this matter to the appropriate authorities. Please also feel free to contact National Debt Relief directly – our contact information can be found on our website, www.nationaldebtrelief.com.Yours Truly, [redacted]

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.

I will will forward the numbers from which I received telemarketing calls directly to National Debt Relief.

Sincerely,

Review: I have an account with this company to help me with my debts. I have moved back to Australia and they will not give me an overseas contact number. They keep emailing me to advise me of a settlement that I would like to go ahead with, but the only phone number is ###-###-####. I have replied to them at least 10 times asking for a phone number that I can call them from Australia. I just get the same email back no matter what.

Dear [redacted]

Our office attempted to reach you today by telephone regarding your Debt Relief Program.

Please contact our office as soon as possible so that we may update you on the progress of your account.

This information may be time sensitive and require immediate action.

You may reach National Debt Relief's Client Services Department by calling ###-###-#### Monday - Thursday between the hours of 9AM-7PM EST and 9AM-5PM EST on Fridays.

We look forward to hearing from you soon.

National Debt Relief

Client Service Department

###-###-#### Toll Free

###-###-#### Fax [redacted]Desired Settlement: That I can actually call them!

Business

Response:

National Debt Relief is always committed to providing consumers with the highest level of customer service possible. When we received notice of [redacted]’s correspondence, we addressed it immediately. [redacted] initially enrolled as a National Debt Relief client in February 2014. She resided in California at that time. In April 2015, [redacted] notified us that she was moving to Australia. Just a few weeks ago she provided us with her new, Australian phone number and requested a “local contact number” to reach us since toll-free numbers are not reachable from outside of the United States. Being that when she moved to Australia all communications with [redacted] were exclusively via e-mail, there was an apparent misunderstanding that she was requesting a local number for National Debt Relief in Australia. There is, of course, no international phone number for National Debt Relief. Virtually all of our clients reside within the United States and so our toll free number, ###-###-####, is the only number that we generally provide. Given [redacted]’s unique situation and that she’s been a wonderful National Debt Relief client since February 2014, we’ve extended a small accommodation and provided her with a local New York phone number that she can call from Australia. We’ve already spoken with her several times since then, so we can confirm that telephone communication to and from Australia is no longer an issue. National Debt Relief looks forward to continue servicing [redacted] until we help her attain the goal of getting over her consumer debts, even from Down Under! Sincerely,[redacted]

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: Hello, so I signed up last year with National Debt Relief and was told not to pay any bills for three months which they can start attempting to call creditors to decrease my total collection. I spoke to Paul F[redacted] who filed all my paperwork. They never took out any money as we agreed up to be summited to the account. I called and was told that my account information was never entered into the system so again we set up the account information and they never pulled out the money. I called again and was told that they closed my account. They never contacted me, emailed me to tell me that they were unable to take money from my account. It turns out that the information they placed into the system was incorrect again! We are human so we all make mistakes but three exact mistakes, no it seemed incompetent. I am filing this complaint because I have not paid any bills in attempt to settle debt, my credit score is in the dump now and no one is trying to help me with my debt. I feel this company is fraud.Desired Settlement: They settle my credit score.

Business

Response:

Dear Revdex.com,National Debt Relief is a nationally recognized debt relief provider primarily devoted to average consumers who have fallen into financial difficulty with their creditors. Over the years, our commitment to our clients and our principles have allowed us to grow and become an industry leader in helping consumers get their life back. When we received [redacted]’s correspondence, we conducted a careful and comprehensive review.On October *, 2015, [redacted] decided to take control of her financial circumstances and enroll in one of the debt relief programs we recommend. Part of the screening process in deciding what program to recommend includes, among other things, obtaining the consumer’s banking information. The reason for obtaining clients’ banking information is to assist them in establishing a savings account for their program. The client will utilize this dedicated savings account throughout their program to save funds, pay their creditors, and, when appropriate, to pay our fee for services rendered. In order to properly set up this savings account, the consumer must provide their primary bank account and routing number. [redacted] provided her banking information during the enrollment process but, shortly thereafter, the financial institution sent a notification regarding an error in linking with her primary bank account. As [redacted] stated in her correspondence, we reached out to her to confirm that the account and routing information she provided were correct. She then provided the same account and routing numbers and we resubmitted it, but the same linking issue persisted. Unfortunately, numerous attempts to contact [redacted] were unsuccessful. Indeed, we made several attempts via telephone and e-mail.It was later discovered that the “account number” which she had provided was actually her debit card number, and not a bank account number. This was the reason why the two accounts were not linking properly. Unfortunately, if the link between the consumer’s primary bank account and the savings account is not functional, neither is the debt relief program itself. [redacted] eventually contacted us in February and we were able to explain that the financial institution needed her bank account number, not debit card number. However, [redacted] then informed us that she decided to withdraw from her program because she was no longer interested. Needless to say, we were disappointed to have missed the opportunity to provide [redacted] with our services, especially where it was due to a simple miscommunication. Undoubtedly, this matter could have easily been rectified by a quick review had we been able to contact [redacted] sooner. Therefore, our offer to help her achieve the goal of debt freedom still stands and we sincerely hope that she has a change of heart. In any event, we wish her the very best luck in the future. Yours Truly, Alex K[redacted]National Debt Relief

Review: I filled out a form for national debt relief to see what the program was about. Someone got back to be quickly and we sent some emails back and forth about the program. After I asked a few questions regarding how the program works I realized I was not interested in damaging my credit. I told the individual that I was not interested in this and would most likely just work extra to pay off my debt. He sent me an email confirming that he understood that I declined, but now he calls my phone three times a day. When someone says there not interested they do not want to be continually harassed.Desired Settlement: If the calls continue I will be forced to file harassment charges versus the individual and the business for allowing this behavior to continue.

Business

Response:

Dear Revdex.com, Thank you for forwarding [redacted]’s correspondence to National Debt Relief’s attention. National Debt Relief is committed to providing the highest quality customer care to each and every consumer, and potential consumer, who seeks our professional services. Upon receiving notice of [redacted]’s matter, we performed a thorough review.[redacted] initially visited our website, [redacted], where he submitted a request to be contacted about our services. In response to his request, one of our certified debt specialists reached out to him via telephone for a personal consultation. Our team member provided him with an overview of our services, explained the potential benefits our programs offer, and answered all of his questions. As [redacted] stated in his correspondence, after weighing his options and considering what we had to offer, he informed our debt specialist that he’s decided to not enroll in our debt relief program. In those instances where a consumer declines to join National Debt Relief as a client, our team members follow a standard protocol by placing that consumer’s file in “do not call” status. This is simply to ensure that other team members do not contact the consumer in the future. After carefully investigating this matter, we’ve found that the team member was a newly-trained employee who correctly changed [redacted]’s status to “do not call” but did not properly save that change in our system. This inadvertent mistake caused [redacted]’s file to remain in an open status and, unfortunately, allowed for additional calls to be made. We’d like to confirm that we have now taken the following corrective measures. First, we’ve placed [redacted]’s file in the correct status, effectively removing his contact information from access in our system. In fact, we completed this step on February *, 2016 – the same day that we received [redacted]’s correspondence. We can confirm that no more calls have been made to [redacted] ever since. Additionally, the team member who was responsible for the unintentional error has been reprimanded appropriately and re-trained.National Debt Relief is consistently improving and maintaining the quality of our customer service. Our untiring devotion to providing consumers with excellence is unquestionably why National Debt Relief is an industry leader when it comes to customer care. We feel that the remedial steps we’ve taken here are sufficient and, therefore, consider this matter to be closed. We extend a heartfelt apology to [redacted] if this has caused him significant inconvenience and wish him the best of luck in all of his future endeavors.Yours Truly, [redacted] National Debt Relief

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 initiated help from National Debt Relief to ease my debt issues in mid March 2014. Approximately 4/**/14 I contacted National Debt Relief and told them that I wanted to cancel their program and not go through with their program. National debt relief attempted to conserve my business with a series of phone call and I talked with my representative on 4/**/14 and he said he would cancel the program and I said I would consider starting again after giving it a few days of thought. On 4/**/14, National Debt Relief drafted my account against my wishes for the amount of $313.15, the amount that I asked in the beginning of March to cancel, the amount my representative said he would cancel on 04/**/14. I talked with my representative the same day the draft was done on 4/**/14 and he said it was his mistake and he would insure me a refund the next day , 4/**/14 if I emailed him my request; which I did immediately. As of 4/**/14 the refund has not been completed by National Debt Relief, and I have been charged by my financial institution late fees because of the money that have taken after my initial request and subsequent requests that were timely, in order, and proper have been ignored. I have yet to hear back from my representative or been able to reach anyone from National Debt Relief about my request for a refund and the bank fees keep adding with each subsequent withdrawal after this.Desired Settlement: I would like a full refund (313.15) electronically back into my account and no fees imposed because of their mistakes and lack of attention. I am being imposed a fee from them and fees fro my financial institution because of their actions.

Business

Response:

Thank you for bring [redacted]'s complaint to National Debt Relief's (NDR) attention. Being committed to providing consumers with exemplary service National Debt Relief appreciates the opportunity to respond to, and most importantly resolve [redacted]'s complaint.

[redacted] asked National Debt Relief to negotiate settlements with his unsecured creditors when signing an agreement on March **, 2014.

On April **, 2014 [redacted] called into NDR's customer service department and asked that his file be closed. At which time the status of his file was changed to ensure no future deposits would be processed and his file would be closed with our office.

The next interactions between our office and [redacted] occurred on April **, 2014 then again on April **, 2014 when [redacted] called into our office. [redacted] was transferred to NDR’s Quality Assurance Team when he called. During the transfers [redacted] disconnected the calls at which time our agent called him back unsuccessfully, therefore, having to leave messages asking for a return call. Finally on April **, 2014 a Quality Assurance Team Member of NDR was able to speak with [redacted] at about 3:00PM EST.

The result of this call was [redacted] wanting his file to be reinstated and for NDR to continue the process of negotiating with his unsecured creditors. At this time his file was placed in to a Pending Reinstatement status. The following day after an internal review, his file was upgraded to an Active status with his first deposit scheduled for the following day since it had originally been scheduled for April **, 2014 according to the agreement he signed. This deposit was confirmed during the April **, 2014 phone call.

[redacted] next called our office on April **, 2014 upset and wishing to close his file again because he “didn’t expect his deposit for April to happen and thought it was on a different day”. The status of his file was again changed to ensure he would not be drafted again and closed. Since a deposit had now occurred, the process for closing his file included closing his Global Client Solutions account and ensuring he received a refund the balance.

Refunds can only be processed by Global Client Solutions once deposits clear. Deposits clear at 3PM on the third business day after the deposit date. [redacted]’s deposit cleared on at 3PM on April **, 2014. The following day on April **, 2014 the available balance in [redacted]’s Global Client Solutions account was wired into his checking account. NDR paid the wire fee accessed by Global Client Solutions and issued a physical check to [redacted] for the fees Global Client Solutions charged him. The check was sent to his home address via Fed Ex.

[redacted]’s complaint was filed on April **, 2014 before a refund could be issued since the funds had yet to clear. I believe National Debt Relief upheld the standards we hold ourselves to by resolving [redacted]’s complaint as quickly as possible and by going the extra mile in issuing him refund of the fees charged to him by Global Client Solutions. I personally unsuccessfully attempted to reach out to [redacted] on multiple occasions to ensure he is satisfied with the results.

Thank you again for taking the time to review National Debt Relief’s response and assisting in reaching a successful resolution for [redacted]

Review: I attempted to ask the company, National Debt Relief, based in New York to cease calling me 3 weeks ago. The calls have still been consistently coming in. I am not, have never been, and never will be interested in their "product". How they obtained my number is a mystery to me.Desired Settlement: For this company to cease contacting me.

Business

Response:

Thank you bring [redacted] complaint to National Debt Relief's attention. Being committed to providing consumers with exemplary service National Debt Relief appreciates the opportunity to respond to and most importantly resolve [redacted] complaint.

Looking in to [redacted] complaint I found the following relevant information.

On 11/*/2013 National Debt Relief received contact information for [redacted] from IP Address [redacted]. A Google search was performed from this IP address for 'debt relief'. The searcher clicked on a sponsored link for National Debt Relief. This link took the searcher to a National Debt Relief's web where the following information was entered as means of requesting information about National Debt Relief’s services at 7:31 PM EST.

Name - [redacted]

Total Debt Amount - $5,000-$7,499

Phone Number - ###-###-####

Email Address - [redacted]

The location information below was captured by our system based on the IP address

City - Columbus

State - Ohio

During my review I found the IP address and phone number to both be from Columbus, Ohio. A online search of the phone number entered shows it to be registered to a [redacted] through New Cingular Wireless in the Columbus, Ohio area.

National Debt Relief called ###-###-#### eight times between 11/*/2013 and 5/*/2014 on the following dates and times;

Each of these calls resulted in a voice mail being left for for [redacted] as requested when he submitted his online request. National Debt Relief provides all consumers visiting our website with a Privacy Policy outlining the terms and conditions of submitting an online request for additional information about our services. The Privacy Policy can be viewed by visiting [redacted]

The first communication National Debt Relief received from [redacted] after the initial online request for additional information was the Complaint received by the Revdex.com. Immediately upon reading the Complaint I placed [redacted] on National Debt Relief's internal Do Not Call List to ensure no further calls were made to his phone number.

The facts revealed during my thorough review of [redacted] complaint lead me to request the Revdex.com determine this complaint ‘not valid’ and remove it from National Debt Relief's record. Thank you again for your time and assistance in this matter. Do not hesitate to ask for additional information or supporting documentation if needed.

Amazing. The customer service is incredible. National Debit Relief makes you feel very comfortable encouraged.

Very rude customer service. Just very negative on everything stated no one would help me unless I clear up a couple of collection issues and Representative was very sure one of my collections was from a medical hospital debt I stated no it's not I have never been admitted in any hospital never had any surgeries nothing I know what that collection is I spoke with them a couple days ago. He stated no it's got to be only hospitals can label medical debt. He just kept on and on then he further investigated and come to find out read more into it and proved himself wrong. I will never go through this company for any help or refer anyone to them.

I've been enrolled in National Debt Relief's services for about 6 months now to settle my ludicrous credit card debt. I can only say that the company has done a fantastic job of representing my interests and has been extraordinary to work with even when I called frazzled because I didn't understand what was going on.

Now, that said this isn't a quick fix. And yeah, your credit report will look like crap until your settlement(s) are reached. Also, in my case, I payed a few dollars more each month than I did for my minimum balances. But big picture, I will be out of debt over 5 years faster then I would have been by making minimum monthly payments.

For all those out there who just want to hate on the company, look at their Revdex.com rating and listen to the experts you're dealing with. The program works. You need to build equity (just like a mortgage) to settle accounts. It takes a little time. That means you'll have creditors calling you to complain that you aren't paying. But they will get settled. Don't listen to creditors saying you that the don't deal with NDR, because they do.

NDR will also call and email you a lot (sometimes twice a day) when you first get started and any time they make an agreement. It can be taxing and it's a lot of time on a phone, but once you get your account enrollment complete, the calls will stop.

In response to the complaints about bad customer service, I've never experienced it. All of my calls were answered by a person within 5 minutes, and disputes resolved within 10 minutes. There is menu hopping, but overall, it was less stressful than dealing with [redacted] or [redacted]. In just 6 months, I've had 1 of my 2 major accounts settled and the other is well on its way to being taken care of.

National Debt Relief is the best company that really goes out there way to resolve my debt problems. I am 61 years old and have been in debt since 1989 and finally found them and it has been the best decision I have made in life. I was so stressed out for years and worrying about paying bills. The economy is so up and down in the last 20 years and I had bad times to cause the debt that I have. Sometimes I feel dumb being old and not out of debt but it does happen to a lot of people as I found out. National Debt has helped me so much and so kind to work with and so polite to do business with.

Thank You So Very Much

Review: The [redacted] made an agreement with me that I would pay $1,460 on a certain date and that will complete my settlement with select creditor and graduate me from the program. I reconfirmed this is the amount and agreed Funds were deducted from my account on 8/** as arranged. I fulfilled my end of the agreement. A week after the arrangement a customer service agent contacted me and I called back and they again confirmed all is in place and confirmed this will graduate me from the program. Just this morning I receive a message to contact them. I contact as requested, then get transferred to the Division and person that made the original arrangement with me. The representative then tells me that he made a mistake and I owe them $800+ in fees. I reconfirmed several times before that this will graduate me from the program. I would've never arranged the deposit if this was the case. An arrangement is an arrangement. They should not be able to promise something and then basically cancel what they promised. I fulfilled my end of the arrangement and so should they. This is very frustrating and I'm not happy with their services and will not be recommending them to anyone.Desired Settlement: Desired Settlement: To honor their end of the arrangement. I fulfilled my end and they should do so on their end as agreed in August. I want to be graduated from the program without any additional fees due to National Debt Relief

Business

Response:

To Whom It May Concern,

Thank you for bringing [redacted]’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 [redacted]’s concerns.

[redacted] enrolled as a client with us on March **, 2013. 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, [redacted] had called our office to obtain some information regarding her program and had given National Debt Relief approval to debit $1,460 from her bank account. During that conversation, our representative informed her that after this $1,460 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, [redacted] 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 $820.89 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, [redacted] 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 [redacted].

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 [redacted] 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

Review: We cancelled within 24 hours of signing up for this service due to misrepresentation and the sales rep being extremely pushy. He was very rude when cancelling this service. Someone from this company has continued to harass us by calling us everyday even though we have cancelled the service.Desired Settlement: Stop calling and make sure everything is cancelled!

Business

Response:

Thank you for bringing [redacted]’s concerns to National Debt Relief’s attention. National Debt Relief is committed to providing prime quality service to every client who seeks our professional help with their consumer debts. Upon receiving notice of [redacted]’s concerns we performed a comprehensive inquiry into the matter. [redacted] initially visited our website, www.nationaldebtrelief.com, on April **, 2015. She had submitted a request to be contacted about our services and after speaking with one of our certified debt specialists that same day, she elected to enroll as a client. Unfortunately, the following day we received an e-mail from [redacted] stating that she no longer wishes to be part of our program and requested a cancellation of her file. As part of our normal cancellation policy, upon receiving a client’s request, a quality-assurance team member will reach out to explain the cancellation process and to inquire about the reason for the cancellation in hopes of improving upon a company policy or process for the future. When our team member spoke with [redacted] later that day, she explained to him why she had a change of heart. Rather than simply documenting her explanation – as mandated by our standard protocol – the team member continued the conversation despite [redacted]’s noticeable annoyance. This decision by the team member was in clear violation of our company policy. Understandably, [redacted] became irritated and repeated her request to cancel her file and to not call her again. Once her cancellation was ultimately processed and her file closed, no further calls were made to [redacted] again. We regret losing the opportunity to provide [redacted] with the quality of service that National Debt Relief is known for. Given that our clients come to us for help and guidance during stressful financial times, all of our company policies are geared toward making their experiences with National Debt Relief simple and stress-free. Unfortunately, in this instance a team member violated one of those policies and a client departed unsatisfied. We've now addressed this issue with that team member in a clear and adequate manner. As for [redacted], National Debt Relief would like to extend an apology for any inconvenience she may have experienced and we will surly continue to abide by her wish to not be contacted in the future. We wish her the very best of luck in all of her endeavors.Sincerely, [redacted] National Debt Relief

Review: Daily, harassing phone calls by these people, they use many different phone numbers even my area code with cell phone #. They call at least 12 times a day, most are hang ups & they call right back. Occasionally an Indian speaking women will say something but will hang up when I start questioning her, I immediately call # back & I get recording that the # not in service , or voicemail not set up.Desired Settlement: STOP calling me, I have not asked for any information from this Company

Business

Response:

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]

Review: On 7/**/2014 I sent an email to National Debt Relief (NDR) stating "I have decided to not use [redacted] (Global Client Solutions) to hold my money while you work with my creditors. I will be creating a savings account at my PNC Bank. I will update you via email as deposits are made which should be every 2 weeks.". This is allowed per the contract I e-signed. I began receiving calls from someone in the quality assurance dept. stating if I had any questions to call them back. As I had no questions I did not call back. I finally decided to answer one of these calls and he was asking why I wanted to cancel my contract with NDR. I stated I did not want to cancel my contract and that I was just informing them I would not be using [redacted] as the fees to use them were ridiculous. Both the guy I spoke with and his [redacted] stated that I am required to use [redacted] to keep my contract with NDR.

I consider this a breach of contract as the contract states I have the option to use [redacted].Desired Settlement: I expect NDR to allow me to save the funds for their program in an FDIC bank account as per the e-signed contract.

Business

Response:

Thank you for bringing [redacted]’s concerns to National Debt Relief’s attention. National Debt Relief is committed to providing a world-class experience to each and every client whom we assist in becoming debt-free.

Upon receiving notice of [redacted]’s concerns, we promptly reached out to him in order to evaluate the confusion around his perceived desire to cancel his Global Client Solutions account. We encourage our clients to use Global Client Solutions for the same reason we make every decision in our business: it is in the client’s best interest!

When we spoke with [redacted], we reviewed the important benefits of using Global Client Solutions for his savings account in lieu of his own personal savings account. For instance, our internal systems are tightly integrated with those of Global Client Solutions. This synergy allows us to have accurate information on how much a client has saved towards their program in real time. By having this data at our fingertips at any given moment, our [redacted] are able to maximize their efficiency – and effectiveness – in working towards helping clients resolve their debts.

After explaining the benefits of both, remaining in our program and using Global Client Solutions, we are happy to report that [redacted] has elected to do both. We will continue to do our very best and provide him with first-rate service. As such, we

consider this matter to have been resolved for all parties.

Thank you for taking the time to review our response!

Sincerely,