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Shelley of Rancho Cordova, CA September 8, 2009
I have been trying to settle some of my debts and contacted the above company. I have called for the past month and they are telling me that they have not settled on a debt that continues to accrue interest charges. I do not understand because I have paid dearly for their services. I need to find out what is going on and they continue putting me off and telling me that they cannot get an answer from the Providian Company that has my debt while the interest is still accruing. I really need your help in looking into this information. I am trying really hard to pay on my bills and I feel like they are not a truthful company. Could you please help me and I am sure there are other people just like me. Every month for the approximately 1 year monies are deducted from my account and cannot get any answers. Mimi of Chicago, IL July 26, 2009
We signed up for 2 yrs in this company. The agreement will end at the end of October. I have 5 credit cards company and 4 of them are already been settled except American Express. When I called in, I informed them that the October is pretty close already and it seems that they havent negotiated with American Express. They say that we might move your plan till we settled this account to American Express. I am so furious about this news. I am being scammed with this group and they are now ripping me off since they cannot negotiate with American Express Joseph of Upper Marlboro, MD May 14, 2009
I heard the advertisment on a Christian Radio WAVA. I believed what the Company was promoting to wiped clean my debt through negotiation with my creditors. The Company left me worse with my creditors and I lost 3,000 unrefundable to the Company according to Mr. Steele. June of Los Angeles, CA May 9, 2009
In about December 2008, I solicted this company(Debt Consultants of America) to help me with my debt problems. They interviewed me over the phone and called me back in about a day a said that I was approved. From that time on Debt Consultants of America and Global Cleint Soultions Banking Services, Rocky Mountain Bank & Trust, account number 6036335099319139 have been taking 532.30 on a monthly basis until I froze the account around May 03 or 04, 2009, for them not to take anymore money from me. This was after I sent them written noticfication of my displeasure with their services. They never sent me any written correspondence or called me on the matter. So that right there made me think these people are not ligit.
I requested a full refund of all the money that they had taken from me, again to date 5/9/09 I have still received no written communicaiton or any phone calls from them. They have not renderend any services as far as I am concern, that warrants the amount of money that they have taken from me (2960.50.) And to add insult to injury, Debt Consultants of America went into my account and took 299.00 out about the 3rd of May and this is what made me freez that account. They never sent written notification as to what that 299.00 was for, nor did they have my approval to take that amount of money from me. I feel that these people are the new scam artist to to poor, disabled, seniors and retired people of the world and they need to be stopped!!!! Rebecca of Dallas, TX May 8, 2009
This company is a total RIP-OFF not only do they scam their customers into paying thousands in administrative fees, monthly maintance, and settlement fees which once you add up what you have paid and what you have save you would have been better off going to your credit card companies/ collection agencies and "settling" your accounts on your own which you will see the actual savings. they tell you they have relationships with the creditors so that is why they settle, the creditor/collection agency will settle with anyone, all you have to do is find out how far past due the account is or how long the collection agency have had your account and the main thing not be afraid or intimidated by the collector on the phone.
The next thing is that they treat thier employees badly unless you kiss up to them and then they treat you like gold. They recently laid off 13 people for no reason at all and have been under investigation by the Federal Trade Commission and in 2 years they have 58 Better Business Complaints and Attorney General complaints and instead of being honest they lied and said this investigation was debt settlement industry wide, which after some research of my own found that DCA was the only company under investigation and the same owners own another company called Debt Professionals of America and now are trying to hide DCA under the Debt Professionals of America name,
In my investigation I found they they have to close the doors on DCA as soon as possible, so if you are a customer GET out NOW, contact GLOBAL CLIENT SOLUTIONS/ ROCKY MOUNTAIN BANK and get all of your money out to avoid the 299.00 cancel fee they will charge you if you call DCA to cancel. If you contact client relations they are trained to lie to you about this situation, I am a former employee and I am on here to help people from being scammed. For people looking for help do not use this company, it is not worth the loss of your money, property, and respect to utilize their services. Check BBBonline to see the 58 complaints and call your attorney generals office to verify this Tanya of Whittier, CA March 26, 2009
I signed up w/DCA back in November. They took 2940 of my hard earned money and have not done a darm thing for me. I finally cancelled my service and stopped payments on the automatic draft from my checking account. I will be taking them to small claims court in my area. After I cancelled my service I called all my creditors and worked out a repayment plan myself. I also worked out settlements on 2 of my accounts.
I lost almost 3000.00 to this company. I was being sued by a credit card company and DCA would not do anything to help settle this debt. They falsey advertised they could help me but they did not.
Ryan of Hayward, CA March 20, 2009
I have just signed for Debt Consultants of America today, 03/19/2009, and after reading other's testimonies regarding this company my heart just sank. They haven't taken any money out yet, but I'm afraid that I will have to pay 299 to cancel the contract.
I am in the verge of breaking down due to financial stress. In times of crisis like this, how can they victimize people like this? Is there anyone that will stand up for the people and say that this is wrong? I do not want to commit foolish acts towards myself, but these people kick you when your so low down to the ground.
Frank of Savage, MN December 5, 2008
Called the 800 number, got a call back from this gent above, oh at 6:30am in the morning. He said who he was and I hung up, he called back calling me a loser, wanting to know if I was a democrat who just needed a government handout. I have read the stories on this company and wanted to find out if they were true, seemed he did not like me doing that...sorry!!!! If the guy on the phone was any indication of who the company is, stay the away. THis guy should be in jail for the way he abused me this morning......
He has called my phone 6 times this morning, he has threaten to kick my ass, verbally abused me. Very tough morning.....
Donna of Santee, CA November 25, 2008
After months of deliberating, I finally took a chance; I called DCOA. I called on several occasions, each time I spoke to Account Executive (Ken). I was not fully sold on their plan. Finally another member of my family and I got on the telephone to ask every conceivable question, expressing our concerns. I took the bait and signed up. My program began in February 2008, I ended it August 2008. They never paid one bill. Come to find out they needed half of the owed amount before they could make the payments or start negotiations with creditor. NEEDING HALF THE AMOUNT WAS NEVER DISCLOSED.
They had a fee for everything. They requested: Hardship letter Copies of all my Bills My Foreclosure on home details Voided Blank Check for setting up deposits The more one owed the better (I can see why now) Administrative Fee to be paid to them first Not to talk to debtors Deposit as much as possible to help program work Their claim: 40 to 60% off debts Program Proven Debtors work closely with them This program designed specifically to help clients Of course their contract had a full page of client obligations and rights benefiting DCOA. Clients had the right to terminate contract by certified mail and paying another of their endless fees (this one being a cancellation fee of 299.00). No refunds.
Their add still comes on the same radio station. I find it offensive; it is an affront to hard working individuals desperate to maintain ones credit rating .furthermore it is hard to believe that they are allowed to continue luring unsuspecting listeners with their unethical claims. It is no wonder our country is facing FINANCIAL RUIN. GREED, LIES, DECEIT, UNETHICAL PRACTICES ABOUND. We the people merely try to exist, following all the rules only to be misled and have our spirits smashed without regard. Please warn everyone in every way you can.
Attorney letters came to me, with threats of legal proceedings. DCOA assured me nothing could be done as they were out of state and I was in California. This was untrue. I spoke to attorneys office they advised me to stop my dealings with DCOA as most creditors do not work with them. I sent my letter along with copies of their withdrawals from my account showing all the fees and not one payment made. A day later and executive called me to ask why I decided to stop. After reading my list, he said that I might have to deal with attorneys and incur fees. I assured him I would not.
They kept 5,420.00 of my money with an added 299.00 cancellation fee, and a remaining balance in my account of 8.00. I still have my debts and regrets for having believed DCOA and all the people working for them. In closing I must add that my ordeal began with Countrywide not accepting 4 offers on my property beginning March 2007. It is a long story however had it not been for their mismanagement with my account I would not be where I am today. Homeless, limited income and in debt.
Michael of Riverside, CA October 10, 2008
I joined Debt. Consultants of America because they told me it was a way to consolidate my bills. Everything sounded so good until my first payment went to them. I called to confirm they received my money. That is when the hammer came down. They told me the way this program works is to let your debt get 180 days delinquent, then we settle. They also told me the first 4 checks went to their account. At this point I realized I was not in a debt. consolidation program but a scam of which I ruin my credit and they just make deals with the creditors. I would be fully responsible. I than got onto this site and read may of the horrible stories.
I immediately called my creditors to let them know this was not the path I wanted to take. Fortunately one of my creditors advised me of legitimate companies out there which can help. It wasn't until I hooked up with Debt. Consultants of America that I became delinquent. Furthermore, I never got annoying phone calls until I hooked up with (DCA) If you make it through this program, your credit will be as bad as a bankruptcy and I believe you are responsible for all taxes on settlements with (DCA)
Debt. consultants of America received my first installment, than I canceled with the bank they were using. (DCA) tried to take another 299.00 a few weeks later when I informed them that I was no longer interested with their product. Bottom line, I was lucky I only lost just over 500.00 but had to cancel my bank account so they would not be successful if they tried to take more money later, my credit went bad and it took me two months to get it back on track with this new Co. I'm with now.
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