Consolidated Credit Counseling Services, Inc. Reviews
Apr 4, 2015
Consolidated Credit Counseling Services, Inc. My Debt Consolidation company just COST me $757.00! Ft. Lauderdale Florida
My Debt Consolidation company just COST me $757.00! I try to do the right thing, the fiscally responsible thing in this time of international financial free-fall, and it drives me to bankruptcy! (again... I declared Chapter 7 after 9/11, so can't declare again for 1 more year).
The facts:
- I registered with a debt management company (DMC) to help me consolidate and lower my unsecured credit card debt (about $15,000).
- I pay DMC a monthly amount to disburse among my creditors, plus a fee to them.
- I e-mailed them instructing them to add a credit card to consolidate and begin disbursing payments was ignored. I had to follow up with them months later and finally added the account. DMC neglect of my instructions cost me $100.00 in late charges, since the credit card had gone unpaid.
- And yes, I should have followed up on DMC sooner, but isn't this why I'm paying them a monthly fee to manage my consolidation account in a professional and timely manner?
- When they finally added this credit card to my consolidation, the monthly payment to the debt consolidation company became too expensive for me to pay- over $500! I tried to pay them bi-monthly, but it still totalled almost as much as my bills before consolidation!
- I called 2 of my creditors and negotiated with both a set monthly fee, a total of $140 LESS than DMC had negotiated with the same companies.
- I e-mailed them instructing them I would take over these 2 accounts myself since I negotiated a lower monthly payment.
- I subtracted these disbursements from my monthly autopay to DMC and gave them the new, much lower monthly amount, from $512 down to $200!
- My instructions were again ignored.
- I e-mailed them numerous times to follow-up and no response.
- DMC then deducted the previous, LARGE amount through my bi-monthly autopay- $256.00 in error.
- I called DMC, again having to follow up on why they did not carry out my instructions in the original, now month-old e-mail. I called their attention to the wrong bi-monthly amount being deducted. I also made sure they finally changed their records to reflect the lower amount I had worked out on my own.
- DMC deducted another wrong payment of $256.00.
- DMC's 2 deductions in error (which they admitted) totaled $512.00 and caused my bank account to overdraw.
- This has resulted in at least 7 insufficient funds penalties of $35.00 each = $245.00 so far.
- It has also left me absolutely penniless! Nothing! Last night I had to use my ATM for a $6.50 bag of dog foodwhich will end up costing me $41.50 with another overdraft fee of $35.00!
- I spoke to a supervisor at DMC today. He admitted to the wrong autopay amounts, but DMC had already disbursed payments in the wrong amount. DMC refuses to reimburse the first erroneous autopay.
- Supervisor said DMC will put through reimbursement only of 2nd wrong payment.
- When I asked to have it by the next business day (since my account is negative due to DMC), Supervisor rudely said that's not gonna happen. WHen I asked for his supervisor, he said "every supervisor has gone home."
Consolidated Credit Counseling Services Inc Paola Vanec Hold my money and never give my money back Fort Lauderdale Florida
I did call to this institution on dic 2012, desperate because my financial situation, after agree with the employes, I did pay the enrrolenmt fee, they discount from my bank account more than the fee is, call again 1 day later to ask for my money and I said don't want go ahead with this, even whe the contract said you have 7 days to do it, Paola Vanec, in no very nice way, refuse to do it and they kept the money with no way to negociated.
CCCS, Consumer Credit Counseling Services, Consolidated Credit Counseling Services Inc I sent my monthly payments on time and my money was never disbursed to my creditors! Fort Lauderdale Florida
I was severely in debt last year and decided to go through Consolidated Credit Counseling Service, which is a so-called "not for profit" agency that flaunts its association with the Better Business Bureau. Well, after four months of sending my payments in, I was getting my credit card statements back with late fees up the wazoo and then I realized that the company was taking 10 dollars or so of my monthly payment and using it toward a piddly "benefit" program with coupons I could use at restaurants or something to that effect. They said to write a letter to the address on the form to be removed from that program. I sent the letter in to the company with a return receipt, requesting a signature. This was in April 2002 and I still have not received the return receipt (and it's October now). I decided to cease sending my payments in to this company and started to send some in to the actual credit card agencies. I then wrote letters to all the places I owed requesting a statement of all payments made since I had started with CCCS. I also called CCCS and wrote them letters, faxed them, mailed them, you name it. Not a single response back. Then they messed things up for themselves when they decided to mail me my statement of payments made. When I started receiving my statements back from the credit card companies, the amounts were inconsistent. For example, a medical bill I had was receiving payments of $13.50 while CCCS divvied up my monthly payment to include a $20.00 payment to that doctor. Other bills just never received a payment. I sent them a total of almost $1000 and maybe 1/4 of that was actually disbursed to my creditors. If you're in debt, do not go through this company. They don't send you monthly statements or even try to work with you. I found a new debt consolidator that is absolutely great. (Garden State Consumer Credit Counseling). They actually send statements and their minimum payments are made so you can pay off your bills fast. No matter what though, these companies charge monthly fees, but wouldn't you rather pay them to a company that is actually going to pay off your bills? Linda Bridgewater, New Jersey
Consolidated credit counseling services, inc. consolidated credit solutions, howard dvorkin and his whole crew of thugs. this company screws consumers sells them payday loans further ruining their financial health, thus, causing to go bankrupt, get divorced further ruining their households, dvorkin then launders the monies thru his non profit organizations and there is so much more thet pay counselors commissions which are not allowed thru a non profit, he has payday loan companies across the country and ship money the the cayman islands and swiss bank accounts, he has payday loan companies on native reservations and he is not a native. they train counselors and customer service people to "cook" budgets and lie to auditors from bank and the IRS. They openly allow a manger and a counselor to sell drugs in the buildings and condone this. Look up Howard Dvorkin on sunbiz.org and you'll see all of his activity, he has Delaware and Nevada LLC's too. He brags that since he has Gary Herman setup consolidation credit solutions, "The stupid IRS will never catch me as they're so incompetent". S ft lauderdale Florida irs, fbi, dea, us attorney miami, us postal service criminal investigations unit, palm beach post, wall street journal and all other authorities must move on this as soon as possible. they need to be charged under the rico act.
Consolidated Credit Counseling Services, Inc. Reviews
Consolidated Credit Counseling Services, Inc. My Debt Consolidation company just COST me $757.00! Ft. Lauderdale Florida
My Debt Consolidation company just COST me $757.00! I try to do the right thing, the fiscally responsible thing in this time of international financial free-fall, and it drives me to bankruptcy! (again... I declared Chapter 7 after 9/11, so can't declare again for 1 more year).
The facts:
- I registered with a debt management company (DMC) to help me consolidate and lower my unsecured credit card debt (about $15,000).
- I pay DMC a monthly amount to disburse among my creditors, plus a fee to them.
- I e-mailed them instructing them to add a credit card to consolidate and begin disbursing payments was ignored. I had to follow up with them months later and finally added the account. DMC neglect of my instructions cost me $100.00 in late charges, since the credit card had gone unpaid.
- And yes, I should have followed up on DMC sooner, but isn't this why I'm paying them a monthly fee to manage my consolidation account in a professional and timely manner?
- When they finally added this credit card to my consolidation, the monthly payment to the debt consolidation company became too expensive for me to pay- over $500! I tried to pay them bi-monthly, but it still totalled almost as much as my bills before consolidation!
- I called 2 of my creditors and negotiated with both a set monthly fee, a total of $140 LESS than DMC had negotiated with the same companies.
- I e-mailed them instructing them I would take over these 2 accounts myself since I negotiated a lower monthly payment.
- I subtracted these disbursements from my monthly autopay to DMC and gave them the new, much lower monthly amount, from $512 down to $200!
- My instructions were again ignored.
- I e-mailed them numerous times to follow-up and no response.
- DMC then deducted the previous, LARGE amount through my bi-monthly autopay- $256.00 in error.
- I called DMC, again having to follow up on why they did not carry out my instructions in the original, now month-old e-mail. I called their attention to the wrong bi-monthly amount being deducted. I also made sure they finally changed their records to reflect the lower amount I had worked out on my own.
- DMC deducted another wrong payment of $256.00.
- DMC's 2 deductions in error (which they admitted) totaled $512.00 and caused my bank account to overdraw.
- This has resulted in at least 7 insufficient funds penalties of $35.00 each = $245.00 so far.
- It has also left me absolutely penniless! Nothing! Last night I had to use my ATM for a $6.50 bag of dog foodwhich will end up costing me $41.50 with another overdraft fee of $35.00!
- I spoke to a supervisor at DMC today. He admitted to the wrong autopay amounts, but DMC had already disbursed payments in the wrong amount. DMC refuses to reimburse the first erroneous autopay.
- Supervisor said DMC will put through reimbursement only of 2nd wrong payment.
- When I asked to have it by the next business day (since my account is negative due to DMC), Supervisor rudely said that's not gonna happen. WHen I asked for his supervisor, he said "every supervisor has gone home."
Consolidated Credit Counseling Services Inc Paola Vanec Hold my money and never give my money back Fort Lauderdale Florida
I did call to this institution on dic 2012, desperate because my financial situation, after agree with the employes, I did pay the enrrolenmt fee, they discount from my bank account more than the fee is, call again 1 day later to ask for my money and I said don't want go ahead with this, even whe the contract said you have 7 days to do it, Paola Vanec, in no very nice way, refuse to do it and they kept the money with no way to negociated.
CCCS, Consumer Credit Counseling Services, Consolidated Credit Counseling Services Inc I sent my monthly payments on time and my money was never disbursed to my creditors! Fort Lauderdale Florida
I was severely in debt last year and decided to go through Consolidated Credit Counseling Service, which is a so-called "not for profit" agency that flaunts its association with the Better Business Bureau. Well, after four months of sending my payments in, I was getting my credit card statements back with late fees up the wazoo and then I realized that the company was taking 10 dollars or so of my monthly payment and using it toward a piddly "benefit" program with coupons I could use at restaurants or something to that effect. They said to write a letter to the address on the form to be removed from that program. I sent the letter in to the company with a return receipt, requesting a signature. This was in April 2002 and I still have not received the return receipt (and it's October now). I decided to cease sending my payments in to this company and started to send some in to the actual credit card agencies. I then wrote letters to all the places I owed requesting a statement of all payments made since I had started with CCCS. I also called CCCS and wrote them letters, faxed them, mailed them, you name it. Not a single response back. Then they messed things up for themselves when they decided to mail me my statement of payments made. When I started receiving my statements back from the credit card companies, the amounts were inconsistent. For example, a medical bill I had was receiving payments of $13.50 while CCCS divvied up my monthly payment to include a $20.00 payment to that doctor. Other bills just never received a payment. I sent them a total of almost $1000 and maybe 1/4 of that was actually disbursed to my creditors. If you're in debt, do not go through this company. They don't send you monthly statements or even try to work with you. I found a new debt consolidator that is absolutely great. (Garden State Consumer Credit Counseling). They actually send statements and their minimum payments are made so you can pay off your bills fast. No matter what though, these companies charge monthly fees, but wouldn't you rather pay them to a company that is actually going to pay off your bills? Linda Bridgewater, New Jersey
Consolidated credit counseling services, inc. consolidated credit solutions, howard dvorkin and his whole crew of thugs. this company screws consumers sells them payday loans further ruining their financial health, thus, causing to go bankrupt, get divorced further ruining their households, dvorkin then launders the monies thru his non profit organizations and there is so much more thet pay counselors commissions which are not allowed thru a non profit, he has payday loan companies across the country and ship money the the cayman islands and swiss bank accounts, he has payday loan companies on native reservations and he is not a native. they train counselors and customer service people to "cook" budgets and lie to auditors from bank and the IRS. They openly allow a manger and a counselor to sell drugs in the buildings and condone this. Look up Howard Dvorkin on sunbiz.org and you'll see all of his activity, he has Delaware and Nevada LLC's too. He brags that since he has Gary Herman setup consolidation credit solutions, "The stupid IRS will never catch me as they're so incompetent". S ft lauderdale Florida irs, fbi, dea, us attorney miami, us postal service criminal investigations unit, palm beach post, wall street journal and all other authorities must move on this as soon as possible. they need to be charged under the rico act.