Accelerated Financial Services

Ms. [redacted] enrolled with us on May 31st, 2017. She stated that she was behind with all of her creditors. She claimed that she fell behind because she became ill and retired. We put together a 24 month plan that included all of the fees and paybacks to creditors. Yesterday when she called, she had...

multiple, conflicting reasons why she wanted to cancel, including help from family, inability to afford program and most concerning for us, the claim that the creditors are now making her offers and she wants to accept those offers without paying our fees. We reviewed every aspect of the program in great detail before she enrolled. She reviewed and signed the application for services one page at a time and then had over a month to rethink her decision. Part of that included a benefits package that she signed up for, which has an enrollment fee and a monthly service charge.  She did not exercise her right to cancel. After she made her initial deposit, we contacted her to review our welcome letter. At that point, she stated that she was receiving offers and help from family and wanted her deposit back. We tried to explain that she had fees processed and the entire deposit was not available to send back. The payment processing company that we work with charges $9.00 to open the account and $9.85 as a monthly maintenance fee. They will not normally refund those fees. AFS has done nothing wrong and we have fulfilled every responsibility of ours.To resolve the issue, we will refund the fees paid to the benefits program totaling $239.99 after 60 days has passed from the initial deposit date.She will also get her leftover $59.96 right away.

I have confirmed with [redacted] that we did speak with Ms.[redacted]. His perspective on the conversation was that he had asked for information to see if she qualified for our services and she was not willing to divulge any of the info that we needed. We need to direct the conversation on a consultation to be sure we are getting all of the info that we need and she was not willing to do that. Once this was explained, Mr. [redacted] apologized for the misunderstanding and he thought they had a good conversation. We have closed her file and she will not hear from us again unless she reaches out to us.