Century Negotiations Inc

Thank you for your correspondence dated March 3, and for providing Century Negotiations, Inc.(“CNI”) the opportunity to respond to Ms***’s complaint filed with your officeRest assured thatwe take consumer complaints very seriously.We contacted Ms*** shortly after receiving this
complaint to discuss various aspects of herprogramWhile we apologized to Ms*** that she felt less than satisfied with some of the customerservice she had received, this discussion also afforded us the opportunity to highlight how the servicewe provided was within the scope of her original contract We feel confident that this discussion wasmutually productive, and ultimately the client indicated that her primary concern was with one (1) feeamount of $that was paid in February of While we are confident we serviced the client’sprogram within the scope of her original contract, as a measure of good faith we have elected to refund$back to Ms***.Respectfully,*** ***Director of Service OperationsCentury Negotiations, Inc

Review: CNI took over my account from [redacted] and has been very misleading and tried to force me into a loan with a 29% interest rate as well as a 20% fee on the debt they settled. They are also saying they are accredited by the Revdex.com and they are not.Desired Settlement: I will no longer work with CNI. I just want to make the Revdex.com and other clients aware of their deceitful practices.

Business

Response:

Thank you for your correspondence dated October 20th, 2015 and for providing Century Negotiations,Inc. the opportunity to respond to Ms. [redacted]'s complaint filed with your office. Rest assured that wetake consumer complaints very seriously.I contacted Ms. [redacted] shortly after receiving this complaint to discuss her concerns surrounding thetransfer of her account to our office and the offer of loan that was presented to her. She had feltpressured at the time to accept a loan from our partner company. I apologized to her for the mixedmessage that was sent as that was not our intent to pressure her one way or the other. She and Idiscussed at length the fact that a loan opportunity is not in the best interest of everyone and that weagree with and respect that line of thinking. Ms. [redacted] also commented that one of ourrepresentatives falsely stated that CNI was accredited by the Revdex.com. I did clarify that we are notaccredited but that we do have a high rating. In summary, Ms. [redacted] has been canceled from ourprogram and it is our understanding that at this time all of her concerns have been addressed.Respectfully,[redacted]Senior Director of Client ServicesCentury Negotiations, Inc.

Review: Started with this company back in February 2015, I have paid a little over $1,500 for them to settle my debt. Today I found out about $1,310 went into this company's pockets! Less then $200 went to my actual debt, that's about 86% straight to them! The gentleman who signed me up told me after each debt was paid that's when the settlement company would get paid, and the process would continue that way. I pay a Creditor off, then I pay the settlement company, I pay a other creditor off, then I pay the company. I will mislead, I fell robbed! $1300 down the drain, I could have already paid off a few of my creditors with that total, but they said they can lower what I owed. They did that l, but charged me 20% of the original debt, when the discount they negotiated was around 20%! Right now I still don't know what I paid for! Then today when I tried to cancel they told me I still owe them $900 and wanted to set me up on monthly payments! I told her I was on the Revdex.com website and that the company has a c- and that all the complaints are the same as mine, she didn't care! Only after I asked to speak to a supervisor did the supervisor till me the previous Lady was wrong and that she didn't know what she was doing and that I only owed about $39 to them!!!!

Review: I enrolled into the Debt Settlement Program in Sept of 2015. I was told to stop making payments to 7 creditors of mine. I was charged $250 every month (bi-weekly) as agreed and never received any indication of what was going on with my account. I called every month to inquire, considering creditors were calling me for payments. I explained, what the company said that I should. Unfortunately, after sending countless of emails and leaving several voice messages, I sent an email and left a voice message indicating that I wanted to terminate my contract. Here it is February, 6 months since I have made payments to the creditors of mine and the company in which I was enrolled with, has done nothing. They have refunded me partial monies and I am left with delinquent credit b/c of their neglect to respond to my many attempts of contact.Desired Settlement: I would gladly appreciate it if the company would refund me the fees that they collect for providing a so-called service; considering they DID NOT. I would also appreciate, that my credit report be corrected on their behalf considering I applied payments to them as a third party- with hopes of them correctly providing a service.

Business

Response:

Thank you for your correspondence dated March 16th, 2016 and for providing Century Negotiations, Inc.the opportunity to respond to Ms. [redacted]’s complaint filed with your office. Rest assured that we takeconsumer satisfaction very seriously.We had a chance to speak with Ms. [redacted] today to address her concerns. We have since, reached aresolution and Ms. [redacted] is fully satisfied with the outcome.Respectfully,Sameka G[redacted]Senior Director of Client ServicesCentury Negotiations, Inc.

Review: I previously had an account with CNI regarding outstanding debt they were working with me to make settlements on and resolve. An account they were helping me to resolve was with [redacted] CB for a balance of $1,934.39, which they had worked with the creditor to get settled for an amount of $870.48 to be paid over the course of 6 months from January of 2015-June of 2015 for $145.08 per month. In August of 2015 I had cancelled my account with CNI as I am in a financial hardship right now and could no longer afford the monthly payment plan with CNI of $200 per month. In September I was reviewing my credit report and noticed that the account from [redacted] was still listed on there, and did not indicate that it was settled for less than the full amount, it showed that I still owed the full amount. This prompted me to log into my CNI account to review the status, and log into my Global Solutions account to check the payment transactions. Global Solutions is the company that CNI uses to handle the payments. It was then that I noticed that the 6th payment in June was never made, and as such making my settlement arrangement void with [redacted]. I contacted CNI to discuss via email and was told that I needed to call in to discuss anything regarding my account. I called on 10/20/15 (they should have record of this as they record all phone calls) and was told that they didn't even know that the June payment wasn't processed until I had inquired. They even went as far to tell me they audited my account when I closed it, but missed the missing payment to [redacted], but they still took my $200 a month that was supposed to go towards it. The representative I spoke with did not seem to know much about my account because every time I asked a question she would put me on hold for several minutes then come back with an answer, and she did not seem to appreciate me questioning everything she said. She told me I should have received a $400 check. I said I didn't, after putting me on hold she came back to say, you're right, you didn't receive it, we credited it back towards the fees you owe us for working on your settlements. I said ok, then are you going to take some of that money back then and make the last payment with [redacted] to settle the account, since that is what should have happened to begin with. She told me no. That if I wanted to settle the account, I would need to get on a phone call with them, and [redacted] and make a new payment of $145.08 to settle. They did not want to help me out at all, when they clearly did not honor the arrangement that they had made on my behalf. I paid the money I needed to per month to make the payments, and they did not follow through with it, now they tell me that I have to pay more to resolve it. They also wanted me to pay the settlement fees for a separate account that they are telling me I owed because I cancelled my account. I told them that I would need to seek advice from outside individuals before I make any arrangements to pay them since they have made a mess of my [redacted] account. I was working to resolve debt and fix my credit score, and CNI has done nothing to help me with this. They have made a bad situation worse. I would like CNI to resolve the issue with [redacted] and get the account paid for the last payment to satisfy the arrangement that they had originally made before I will make arrangements to make anymore payments to their company for any fees I might owe.Desired Settlement: I would like CNI to resolve the issue with [redacted] and get the account paid for the last payment to satisfy the arrangement that they had originally made before I will make arrangements to make anymore payments to their company.

Business

Response:

Thank you for your correspondence dated November 13, 2015 and for providing CenturyNegotiations,Inc, (“CNI”) the opportunity to respond to Ms. [redacted]’s complaint filed with your office.Rest assured that we take consumer complaints very seriously.We contacted Ms. [redacted] via telephone shortly after receiving this complaint to discuss herconcerns, We did acknowledge to Ms. [redacted] that we had erred in completing one of her settlementagreements, In light of this mistake, we offered to refund Ms. [redacted] an amount of $204.84, whichwould allow her to both rectify the satlement arrangement as well as regain some of the fees she hadpreviously paid, which was added to offset the inconvenience she endured. We provided Ms. [redacted]with instruction on how to rectify the settlement arrangement on her own, and also contacted theagency to ensure that they would still honor an arrangement of this account, On December 11th, 2015,we spoke again with Ms. [redacted] to assist her in finalizing her agreement on this account. Ms.[redacted] was gracious for our resolution of this Issue and Indicated that it met her expectations as faras resolving her original complaintRespectfully,Sameka G[redacted]Senior Director of Client ServicesCentury Negotiations, Inc.

Review: I started around 11/13/2013 with this company to do a credit consolidation to get out of debt. at the time I spoke to John in the company and he stated that I would never have to go to court if I do a credit consolidation with the company, will never go that far. I wasnt to sure about it but I join in , he said I could be debt free in 3 yrs or less. depending on how mush I can give monthly. I have about 7 credit cards I need to take care of..........[redacted], [redacted] and [redacted].................the only one paid off has been [redacted] to today.

now I been paying [redacted] and [redacted]. I been paying this company 256.00 monthly. since 2013. So what happen this year I got a letter for a court date! [redacted] is taking me to court November 12 2015@ @2:00pm. I got a call from credit consolidation and they left me a massage, so I call them back. the reason for the call was that [redacted] wanted to negotiate so they wanted me to adds more funds and off course I said why not. So now I am paying a little bit more maybe 268.00? so I mention about the court letter I got from [redacted] and they gave me a fax number to fax it to. which I did Attn Settlement services ###-###-####. the lady had told me that [redacted] had wanted to settle but they had no funds to negotiate!! Settlements NEVER call me to see if I can give them more funds, But they did call me for [redacted]. So the response I got from the fax I faxed them was that they never get into legal advice they cant get into any of this issue. they said I can go to court and ask for some kind of extended form?? I was sooooo upset!especially when the lady told the credit card company can put a lean to my house!! how dare they do this to me. and John told me before getting in this program that this would never, never happen. and it did. now I have no choice but to do my own settle ment with Discover. I spoke to Ray and he will settle for 725.00 which I will need to send by Friday October 23. and then I will have to settle with [redacted]. I am not happy at all with this company. I want out, and I need you to help me. I am paying this company monthly and I havent missed a payment thinking I was in good hands. I want my credit back. if you see my payment history I was good with my credit cards, this has been a nightmare for me, I think day and night about the huge mistake I done. and now I have to get my self out of this hole. I was so upset I told the lady I want out, but if I do I own the company over six hundred at the time I call. now I dont know how much would be. is not fair at all . for me to be paying them and I have to also negotiate on the side also. from the start I could have done this myself. and wouldnt go to court. I got very upset when she mention lean on my house!! how can a company trying to help you say such think. please investigate my issue. I like to have any money thats due back to me. I would pay it toward my other credit cards. I want out of this company ASAP. I will keep paying till I heard from you, thanks a bunch!!!Desired Settlement: I would like the Revdex.com to investigate my complain and I would like to stop business with CNI with no penalty fees and would like refunded to me the settlement fees to pay my own debts on my own.

Business

Response:

Thank you for your correspondence in regards to [redacted]. Since receipt of the complaint we havemade repeated attempts to contact her to discuss her concerns and were finally able to get her on thephone today. She has since provided us with new contact information as the primary number that wehad on file is no longer in use.After speaking with Ms. [redacted] and clearing up some of the misconceptions that she had about her debtsettlement program I believe that we are on the same page. At this time she has chosen to continue withthe program and to finish the current settlement that she is in as well as allow us to finalize her lastaccount. In Ms. [redacted]’s original complaint she indicated that she wanted to cancel without any feepenalty. We did offer her the option to cancel and have remaining fees waived but she chose not to gothis route. At this time it is my understanding that all of her concerns have been addressed.Respectfully,Sameka G[redacted]

Review: I joined Settlement Services in April of 2014. At the time, I agreed the company could contact any creditor that I owed money too and make a settlement offer to them. $250 was deducted from my bank account each month to pay any creditor that agreed to a settlement. I was told, and it is in their contract, and I have a verified recording, that each time they settle with one of my creditors, they take a settlement fee. I was not getting any statements or updates on my account after months of paying them. I called a few times and spoke with agents that assured me my accounts were being paid and everything was fine. In March of 2015, a woman by the name of [redacted] K[redacted] called me and said they made another settlement agreement with one of my creditors, and I needed to agree to the settlement before they could proceed. She told me the settlement was for [redacted] and they agreed to $225 to pay off the debt owed. During our conversation, [redacted] verified that all but three of my accounts have been paid off and that if I wanted to pay an additional $60, they would tell each creditor to send letters to all credit agencies telling them to update my credit report to a paid status. [redacted] sent me an email verifying which accounts had been settled and would be receiving this letter. I asked [redacted] if I could just pay that off the [redacted] now, and that way my monthly payment could go to the two remaining accounts. She said yes, did a recorded phone verification that I was authorizing them to take an additional $225 out of my account to pay off [redacted]. She then went on to tell me that I would be done with the program in August, with only two accounts left to pay. I never got a statement saying my [redacted] was paid off so I called Settlement Services and asked for a statement. They emailed me a statement of all my transactions since I began the program. First, they DID NOT pay off my [redacted] which they recorded the call for legal verification, they took the money and used it towards settlement fees. I was livid. They mis-used my money after I authorized it for one purpose. Looking further into my statements, I found that I paid 15 settlement fees in the amount of $1342 during the time I was in the program. I didn't have 15 accounts to settle so I shouldn't have paid 15 settlement fees. I called in and spoke with a representative and she verified that they only take one settlement fee per settlement agreement. I then asked her why I paid 15 settlement fees, and she back tracked and tried to come up with different answers. She then got a "supervisor" on the phone. He then told me that during my 13 months in the program (paying roughly $4500 during this time), they only paid off ONE account in the amount of $1400+. I was told on SEVERAL occasions that all but 3 accounts (2 if they would have paid off my [redacted] account) were paid off. I then asked him about the settlement fees and he also said they take a fee for each account that is settled. I asked him why I paid 15 different settlement fees over $1300, in which is stumbled over his words and tried to come up with an answer and said that they take 25% of the settlement and the fee for the one account they paid off was $809. Excuse me?! They are in the business of helping people get out of debt and they take their money for "fees" whenever they want. I asked him why I was told on several occasions that all but 3 of my accounts were paid off. He said he didn't know because only one was paid off. I asked if only one was paid off, why are my settlement fee(s) over $1300? He again stumbled and didn't have an answer. He went on to say that if I would have stayed in the program until August, all my accounts would have been settled. So I said to him (I cancelled my services in March of 2015)"So what your telling me is it took your company over a year to pay off ONE account in the amount of $1400, taking around $4500 of my money, but if I stayed with the program, the 7 remaining accounts I had left (when I was told it was only 3 left to pay off) would be paid off in 5 months? How is that possible? How can you pay off one account that was in the amount of $1400 in over a year, and now tell me that the remaining 7 accounts will be paid off in 5 months? That makes no sense. He then slipped and said 3 of your accounts have been paid off. I said what did you say? 3 accounts were paid off? He said "I'm no longer having this conversation with you" and hung up the phone. I have recorded phone calls and emails verifying that 5 of my 8 accounts were paid off. They have recorded phone calls, (which I'm sure no longer exist) of me authorizing an additional payment to pay off a creditor in full, and they used it for fees. They told me on several occasions that they only take a settlement fee when a settlement was reached? I only had one account paid off, they said they were in the process of settling with another creditor, so that should have been 1 maybe 2 settlement fees. NOT 15. They are dishonest and thieves and they need to be reported and stopped before they take advantage of somebody else. The only reason I even knew my accounts weren't paid was because I started getting collections calls and attorney calls. Now I'm out a lot of money, I was trying to clean up my credit, which is now worse, and I have to figure out how to get out of this financial mess which isn't easy as a single mom. This company is ridiculous!Desired Settlement: I want them to pay off the accounts they said were paid and use my money for what I authorized them to use it for. They lied and took a lot of my money and I want my creditors paid as promised and as I was told on SEVERAL occasions and I want my credit report updated.

Business

Response:

We are in receipt of the complaint filed by [redacted] dated November 19th, 2015. Upon thoroughreview of the client’s program it seems that the concerns are largely due to her misunderstanding boththe contract and information that was conveyed to her throughout the program.Ms. [redacted] states in her complaint that we charged her 15 different settlement fees and that she did noteven have 15 accounts enrolled in the program. The reason for more fee instances than accountsenrolled was due to the fact that in order to secure beneficial settlements on her behalf we elected tospread our fees out over a series of payments rather than collecting them in a lump sum once settlementswere initiated. We were able secure settlement agreements on 3 of Ms. [redacted]’s accounts while she wasactive on the program. All 3 of those settlements ended up null and void due to the contractualagreement to deposit a set amount of funds into an escrow account each month not being upheld.We have made numerous phone calls and attempts to speak with Ms. [redacted] in regards to her concernsbut have only been able to receive one response via email. It is our desire to thoroughly review hercomplaint and to see if we can come to a resolution. Up to this point we have not been able to reach her viatelephone and she is no longer responding via email.

Business

Response:

We are in receipt of the complaint filed by [redacted] dated November 19th, 2015. Upon thoroughreview of the client’s program it seems that the concerns are largely due to her misunderstanding boththe contract and information that was conveyed to her throughout the program.Ms. [redacted] states in her complaint that we charged her 15 different settlement fees and that she did noteven have 15 accounts enrolled in the program. The reason for more fee instances than accountsenrolled was due to the fact that in order to secure beneficial settlements on her behalf we elected tospread our fees out over a series of payments rather than collecting them in a lump sum once settlementswere initiated. We were able secure settlement agreements on 3 of Ms. [redacted]’s accounts while she wasactive on the program. All 3 of those settlements ended up null and void due to the contractualagreement to deposit a set amount of funds into an escrow account each month not being upheld.We have made numerous phone calls and attempts to speak with Ms. [redacted] in regards to her concernsbut have only been able to receive one response via email. It is our desire to thoroughly review hercomplaint and to see if we can come to a resolution. Up to this point we have not been able to reach her viatelephone and she is no longer responding via email.

Consumer

Response:

I have attached one of the recorded conversations I had with the company on 11/12/15, which will verify my cause for complaint. They were dishonest and mishandled my money. They contradict everything they say in this phone call. The last email communication I had was on 12/15/15. I do not trust this company and only want to communicate via email so I have it all on record. The few times I've spoken to them on the phone, they pass me around to "supervisors" and tell me a different story every time with no interest in admitting their wrong doing or offer any attempt to resolve this. I've had several other recorded phone calls on my phone through out my time in the program, and unfortunately that phone crashed and there was no way to recover the recordings. I know that the company has my recorded conversation with [redacted] around March 16, 2015 when I authorized her to take an additional payment out of my bank account to pay off one creditor. The reason I know this phone call was recorded, was because she had to ask my permission to record the call before they could authorize the additional payment. In that call, Ms. [redacted] tells me that everything but 3 accounts have been paid off. I am not ending this dispute and will continue to fight until I receive what I was promised.

Consumer

Response:

I have attached one of the recorded conversations I had with the company on 11/12/15, which will verify my cause for complaint. They were dishonest and mishandled my money. They contradict everything they say in this phone call. The last email communication I had was on 12/15/15. I do not trust this company and only want to communicate via email so I have it all on record. The few times I've spoken to them on the phone, they pass me around to "supervisors" and tell me a different story every time with no interest in admitting their wrong doing or offer any attempt to resolve this. I've had several other recorded phone calls on my phone through out my time in the program, and unfortunately that phone crashed and there was no way to recover the recordings. I know that the company has my recorded conversation with [redacted] around March 16, 2015 when I authorized her to take an additional payment out of my bank account to pay off one creditor. The reason I know this phone call was recorded, was because she had to ask my permission to record the call before they could authorize the additional payment. In that call, Ms. [redacted] tells me that everything but 3 accounts have been paid off. I am not ending this dispute and will continue to fight until I receive what I was promised.

Review: This company was to settle my debts so the creditors won't add excess interest and won't pursue us with lawsuits or judgements. Now we have a judgement against us from a creditor on their list.Desired Settlement: They charged me $97 per month for an administration fee for the last five years. They did not do what they said they would do and I believe they need to refund this administration fee for failure to provide adequate service. In addition, I explained to them I was not happy and cancelled their services and on their website they said their services were completed - that's inaccurate

Business

Response:

Thank you for your correspondence dated March 3, 2015 and for providing Century Negotiations, Inc.(“CNI”) the opportunity to respond to Ms. [redacted]’s complaint filed with your office. Rest assured thatwe take consumer complaints very seriously.We contacted Ms. [redacted] shortly after receiving this complaint to discuss various aspects of herprogram. While we apologized to Ms. [redacted] that she felt less than satisfied with some of the customerservice she had received, this discussion also afforded us the opportunity to highlight how the servicewe provided was within the scope of her original contract We feel confident that this discussion wasmutually productive, and ultimately the client indicated that her primary concern was with one (1) feeamount of $97.00 that was paid in February of 2015. While we are confident we serviced the client’sprogram within the scope of her original contract, as a measure of good faith we have elected to refund$97.00 back to Ms. [redacted].Respectfully,[redacted]Director of Service OperationsCentury Negotiations, Inc.