CDS Client Services

Review: CDS deceive me in reporting that accounts were settled and closed when they were not. I am looking for partial refund for those accounts listed above.

This is the original letter sent to CDS.. Please see below.

[redacted] Nichols Avenue

Stratford, CT 06614

Tel # [redacted] or [redacted]

08/08/2011

To whom it may concern,

I would like to withdraw and get a refund for the money invested in the Debt Settlement Program. I reached this decision after a variety of negative experiences with "CDS." These negative experiences include; "CDS" giving me wrong information about their behavior with my accounts, not paying settlements after I explicitly ordered the payments, and learning that some of my accounts would not negotiate with agencies like "CDS".

On May 2010 I requested a settled/closed confirmation letter for two accounts that were, to my knowledge, settled and closed. One of the accounts was with Discover Card ending with [redacted], and the other one was with US Airways account ending with [redacted]. When I called the collection agency for the Discover account to request the formal confirmation letter I was informed that my account was still opened and balance was still due. I then contacted "CDS" about the situation and they assured me the account was settled and paid. I contacted back the collection agency for Discover Card again and they insisted that the account was not settled or closed, it was still active. I again contacted "CDS" about the situation and the representative said they will look into it and get back to me. The collection agency informed me again that there was no contact with anyone in regards to my account.

Also, in May, I called the agency that was responsible for my US Airways account to get a letter that verified that my account is paid and closed. But to my surprise I was informed that the account was never settled or paid. They informed me that a final settlement letter was send to" Mr. [redacted]" but that they never got any response. All this time I was under the impression that these accounts had been settled and closed, and found out that they weren't when I requested the confirmation letters, which I weren't able to get.

Another negative situation involved my account from Chase bank ending with 5150. A payment was set up to be paid to the collection agency servicing this account. The payment was never drafted because Chase bank found out that the collection agency for the account was working with "CDS" and they recalled the account from them. I learned about this situation because a Chase bank representative had called and left me messages in regards to my account. After I returned the call from Chase they were willing to accept the offer that was in suspense. I contacted "CDS" about the situation and gave "CDS" permission to accept the offer, which I was informed it will be given to the negotiator; however, no response was followed through from "CDS" part, again.

A similar situation occurred with another Chase account ending with 2005. I had received a letter from the collection agency for what I thought was a good settlement offer. I faxed this letter to "CDS" and explicitly expressed that I wanted to take the offer. I was again informed that the account will be forwarded to the negotiator to take care of it. The offer passed, and no action was taken. I had sufficient funds in my account to settle both accounts, yet "CDS" failed to take action.

The latest negative situation was with both of my MCU's account. I received summons to go to court and a judgment was awarded to the Creditor. The agency responsible for handling this account got an order to garnish my income and an execution to freeze my bank account. I found this out when my job informed me that in 2 weeks they will be withholding money from my wages. I faxed the letter and informed "CDS" of the situation. The response I got from "CDS" was that there is nothing they can do, and that ifDesired Settlement: I would like to receive refund as stated in the letter above.