Complain about a product or service

DebtFree America

3645 Ruffin Road, San Diego, Ca

Wayne of Gainesville FL (10/9/03):
We enrolled with DebtFree America to try to help us with our debt. We have always had good credit and paid our bills but fell on hard times and decided to get help with a credit counselor which was DebtFree AMerica. We were charged $539 up front and a monthly fee in return for them lowering our interest rates and helping us to get on our feet.

We discovered in about 2 months that not only didn't they lower our interest rates but actually ruined our credit by not sending correct amount of money for the payments and being late which in turn cost us $70 in late fees. We canceled the service but they refused to reinburse us our $539. We feel as though they didn't live up to their promises and we should receive our money back.

Damage Resulting: They have ruined our credit and cost us late fees.

The company replies:

Debt Free America charges absolutely nothing for the services it provides. Wayne must have paid these fees to another organization. We welcome anyone to call our office and receive our free service at 888-268-2926. Feel free to call just to confirm that we do not charge anything for our services.

Individuals who enroll in our debt consolidation program sign a contract that states very clearly it will take between 3-6 monthly payments before any adjustments will be made by the creditors (i.e. interest reductions, waiving of fees, reaging of the accounts). Our contract also states that late fees may continue to be assessed during this period of time.

Wayne was informed of this information verbally and also signed the contract containing the same information, as do all our clients.

In business since 1991, Debt Free America has maintained an exemplary record in the debt management industry. Further, we are a member in good standing of the BBB, ISO Certified, and all of our counselors are NIFE Certified.

Debt Free America
Gary Symington, President
3645 Ruffin Rd., Suite 100
San Diego, CA 92123

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