Century Support Services

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Hello, I read the answer from CenturyThey are correct on my car was added to the dept settlement by Clear OneBut my car was not a part of the settlement program until *** *** from Clear One, Asked if I had a car, I said yesAnd *** said it could go one the debt settlement request alsoTo my surprise, but I said yes okNow, what they did not say was when they were called I was caught completely up on my billsI was not behindBut I needed help went to Revdex.com site and found Clear oneSo, I thought it was safeCentury told me over and over again they had sent the creditors letters and for to months they did not. I spoke with them before I could not accept anymore calls. I also ready I decided to leave the program so they was not able to settle a settlement that came in from Kohl'sfor months, I thought was goodHowever, I was also told the first would come from the account which had 1,He said the balance would go to the I owe them a settlement amount and I would need to pay the balance to themAnd that would be for each settlementThis is when I found out I have to pay them a fee for each settlementI was told I would not have to pay them anything until all bills were caught upThen the cost would still be taken out of my account until they were completely paidHowever, the percentage was given was for the total cost of all credits added together... How could I pay a settlement if they are taking money from each settlement when it happens...? Not only the creditors are and were already on my credit as closed, but I still owe the total amountI have been given the run around over and over againMind you, this was a total of months and my hold life is turned upside downFriday the 21st Capital one will also report closed on my creditI had credit points of My credit now is under 440... I can not believe this and I wished I never tried to fix, because I thought it was bestI added a few attachmentsI notice the do not record the complete phone calls. *** ***s

Thank you for your correspondence dated July 3th, and for providing Century Negotiations, Inc.the opportunity to respond to Mr***’s complaint filed with your officeRest assured that wetake our client’s satisfaction very seriously.We contacted Mr*** shortly
after receiving this complaint to discuss his concerns outlined inthe letterAs a result of that conversation I was able to restructure the remaining term settlement set upwith one of his enrolled creditorsBy doing so this will allow us to have the account paid off sooner thanhis original anticipated completion dateAt this time it is my understanding that all of his concerns havebeen addressed.SincerilySameka G***Senior Director of Client Services

Thank you for your correspondence dated October 13th, and for providing Century Negotiations, Incthe opportunity to respond to Ms***'s complaint filed with your officeRest assured that we take consumer complaints very seriously.We contacted Ms*** shortly after receiving this
complaint to discuss the refund issue on her accountThe original refund was mailed from the third party payment processor to the address that we have on file on September 14lh, Ms*** has since moved and the refund was never receivedAfter discussing the options to get the refund re-issued Ms*** has opted to have the funds processed back to her via ACHCentury Negotiations will be covering the stop payment fee for the outstanding checkAt this time all of her concerns have been addressed and it is my understanding that Ms*** is satisfied with the outcome

Please see the attached agreement from Century Deby Resolution, it does not support what they are statingIt does show that I was miss lead by their intentions and underling cost they were charging me

We had an opportunity to speak with Mr*** on Thursday, August 4thAfter listening to the issues that have transpired and offering our apologies for any hardship he has incurred, we have agreed to refund all settlement fees that have been collected to date.
At this point Mr*** can still see that there is value in our program and as such, he will continue with the settlement programThe fees will be waived for all negotiated settlements on his remaining accounts
Sameka G***
Senior Director of Client Services
Century
Main Street, Banco Business Park
North Huntingdon, PA Phone: ###-###-####
Fax: ###-###-####
Email: ***
Website: www.centuryss.com

Thank you for your correspondence and for providing Century Support Services the opportunity to respond to Ms***’s concernsWe have been in touch with Ms*** to give a full accounting of all funds paid into her settlement program and to provide answers to the questions aboveCentury has
agreed to refund $in settlement fees paid towards the settlement that was initiated on her *** accountAt this time it is our understanding that Ms*** is satisfied with the resolutionThank you, Sameka G***

Century response to my compliant is niceBut to say they were independent of any involvement on their part asnot being negligent is erroneousDeal with facts1. I had a contract with century to settle credit cardsCitibank was included in that contractBrain fNegotiated all settlementsHe called me at each settlement to authorize funds to pay each settlement.the money was there. Employers are responsibile for the actions of their employeesBrian dropped the ball with citi Century sent me letters on citi bank and certificate on completion of the program of my debt settlementMay I have been trying to resolve this JHPortfolio.With citi bank, transunion, Jhport, to rectify the errorOnly to find the citi sold my settled debt months after the debt was settledI have made over phone calls trying to rectify this mistakeSo how can century write they had fulfilled their obligation to meWhen years later I'm being haunted by the nighymare they createdCentury's only savings grace is AdrianThe Senior customer advocate .Who hasbeen working vigilantely,And did negotiate the settlement with citi/JHPortHowever, even with that The crrdit bureaus.Transunion, Experian, EQUafax.have not updated there reports.So the underwriter for my mortgage wont go forwardAnd since 2/7/I had tried to purchase another house using quiken loans, Only to be told the credit report is in dispute and they can't approve the mortgage yetSo as of 2/17/I lost that house toBesides all of I had a mortgage rate locked in at 3.75%.I lost that 1.25.18.now the mortgage rate is up4.25%.So century cost me more money over a yrFixed rateAnd finally, i've come to the conclusion, that I should have negotiated my own debtOr paid the 23,plus dollars myselfIt would have been far cheaperThe cost to me is well over 35,dollars and still climbing with each day.That im living in the red roof InnReally Century you met your obligation to me!

Ms*** acknowledges that Century settled her four accounts, with her advance approval and authorization, including the Citibank account which is the subject of her complaintThe settlement payments were made to Citibank, in accordance with that authorized settlement agreementThe checks were drawn on and made out of Ms***’s dedicated settlement account with her third party processor, with her advance knowledge and consent. All of the settlement payment checks were received by Citibank and cashed by Citibank. Citibank did not fulfill its agreement with Ms*** and sold her debt to a third-party, and did not report the account to the credit bureaus as paid. When this was called to Century’s attention by Ms***, when she informed Century much later that she had applied for a mortgage loan, which was shortly before receiving the Complaint, Century intervened on her behalf with the creditor and the third-party collector to whom Citibank sold or transferred Ms***’s account. In doing so, out of concern for our client, Century went above and beyond our contractual commitment to her as we had fulfilled our obligations to her in settling her debts. It was up to her creditors to honor the settlement and correctly report the debt as having been paid/settled. As Ms*** fairly states in her response, our Senior Customer Advocate, Adrian, gave this matter her full effort and attention, made several calls on Ms***’s behalf to assist her in addressing her issue with Citibank, and also communicated regularly with Ms***. While we don’t know all of the circumstances involved in the loan issues that Ms*** states she has experienced, we do wish her the best, and we reiterate that we have fulfilled our obligations to her as a client of Century

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

We were able to confirm that Ms*** does not have an account set up in Century’s system. She apparently made application for an account, but that account was never transmitted to Century. As a result, there is nothing for her to cancel. We were able to
locate, after the fact, a call from Ms***, but as an account in her name could not be located in our system, we were unable to associate an account with her. We are contacting her today to explain the situation and to see if there are anything else we may be able to assist her with. In any event, Ms*** can be sure that she has no account with Century. Thank you ,Sameka G***Senior Director of Client ServicesCentury Support Services

*** *** *** entered into written and signed Debt Resolution Agreement with Century Support Services, LLC on August 22, 2016, a little more than one year from the date of her Complaint. A copy of that Agreement is attached for your reference in reviewing this responseAs you
will note on page of the Debt Resolution Agreement (also identified as Exhibit “A” to the Agreement), *** enrolled four creditor accounts, having a total debt of $9,as of the date of the Agreement. A program deposit of $250, based on her financial situation, was agreed upon and a program length of months (based on the total enrolled debt and the program deposit) was estimated. You will also see on Exhibit “A” that settlement fees of $2,were projected (based on a settlement fee of 25% of the original debt at enrollment). Ms*** *** states that she was led to believe that the “whole program fees would cost $4,800”. If she was referring to settlement fees alone, that amount would have been too high. If she is referring to both settlement payments and settlement fees then that amount would be too low, as the fees themselves, again, were estimated to be $2,The Agreement provided an estimated program settlement amount of $4,for her debts. Perhaps she is referring to that amount, which would not have included estimated settlement fees projected to be earned by CenturyCentury was able to settle the first account for Ms*** *** on March 3, 2017, less than seven months into the debt resolution program. That account was the largest account: Barclay’s BankAs of the date of the Complaint, August 29, 2017, two of her four accounts are in a settlement: Barclay’s Bank and Capital One BankAs for the account with Calvary, Century had, with her authority, proposed a settlement to Calvary to settle that account, which had an enrolled debt of $1,442.00, for $40% of the original debt. The day after settling that account, Calvary called our Company and stated that the settlement amount was reject and they countered at $As the balance in her dedicated settlement account was not at that time sufficient to settle at that amount, the counter offer could not be accepted. However, as Ms*** *** was counting on the lower settlement amount, Century is prepared to continue settlement negotiations with Calvary and if we are not successful in accomplishing a settlement at that amount, Century, if necessary, will reduce its settlement fees on that account to adjust for a higher settlement amount so that her total cost and fees will be established at the lower amountCentury has acted dutifully and within the Debt Resolution Agreement with respect to negotiating Ms*** ***’s debts. However, if she desires to cancel her Agreement (which is allowed at any time), Century will honor that request. However, before doing so, we want to speak with her to be certain that the settlements that are in process are completed should she take them over. We also need to explain to her that Century does not have the program deposits that she has made. Those amounts were paid into her dedicated settlement account at her third-party processor, Global Client Services. In summary, Century has performed satisfactorily in all respects, including the settlement of the Barclay’s Bank account with an original balance of $for a fee of $at 25%, for 20% and a $refund to her; settlement of the Capital One account, with an enrolled balance of $and a fee of $at 25%, with a reduction to 20% at $254.00, and our proposal for resuming settlement negotiations on the Calvary account as summarized above. She is only months into a 28-month projected settlement program, and two of her four debts were negotiated, at favorable discounts, and at reduced settlement fees; with a third (Calvary) in process. She was on track to complete her program within the projected length. Our Director of Customer Experience personally emailed our client earlier today and she replied that she would get back to us for purposes of discussing her account. That is a positive development and may help to resolve any outstanding issues. In the meantime, we wanted to be sure to respond timely to the Complaint Respectfully, Sameka G*** Senior Director of Client Services Century Support Services

Thank you for your correspondence dated November 13, and for providing CenturyNegotiations,Inc, (“CNI”) the opportunity to respond to Ms***’s complaint filed with your office.Rest assured that we take consumer complaints very seriously.We contacted Ms*** via telephone shortly
after receiving this complaint to discuss herconcerns, We did acknowledge to Ms*** that we had erred in completing one of her settlementagreements, In light of this mistake, we offered to refund Ms*** 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 enduredWe provided Ms***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*** to assist her in finalizing her agreement on this accountMs.*** was gracious for our resolution of this Issue and Indicated that it met her expectations as faras resolving her original complaintRespectfully,Sameka G***Senior Director of Client ServicesCentury Negotiations, Inc

Ms*** enrolled with ClearOne as she states, on December 30, 2016, agreed to a monthly payment draft of $to fund her settlement account, and enrolled five debts having total debt of $18,905, including the Wells Fargo account referenced in the complaint. Century acquired Ms***’s
account for servicing. Century negotiated a settlement of $(60% of the then Wells Fargo account balance of $4,on May 25, 2017. Century’s fee, $(25% of the original account balance) was due and was paid out of Ms***’s settlement reserve account at Global, the third party processor). Both the settlement and the settlement fee payments were authorized by Ms***. Mr*** terminated her account after the account was settled, Century’s earned fees were paid, and one payment of $toward the Wells Fargo settlement (which would have required several more payments out of Ms***’s reserve account at Global), were all paidUnder Ms***’s Debt Resolution Agreement (copy attached), a program length of months (Section B) was estimated for all accounts to be settled. She cancelled months into her debt settlement program. Under the Debt Resolution Agreement (Section Fees) provides that the settlement fees are earned and payable when an account is settled with a creditor. That section clearly states: “our fees, once earned, will be paid to us via electronic debit from your Settlement Account (the Global account reference above), and are non-refundable. When she cancelled her debt settlement program, Ms*** was refunded by Global the balance in her Settlement Account, which was $as she correctly states. Regards,Sameka G***SrDirector of Client ServicesCentury Support Services

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and do not feel that this resolution is satisfactory to me However, I spoke on the phone with Sameka who identified herself as a director with Century in regards to this complaint and after our conversation it seems that there is not a satisfactory response availableShe took the time to explain the process and how it works and what options I may have for transferring to the original company I signed the contract withThis is something that the representative should have taken the time to explain and educate me on in the beginning as well as the fact that I would be transferred and handled to a different company not the company I signed the contract throughIf these items would have been done by the company I signed the contract with, I most likely would not have signed this agreement to begin withThis program was sold to me on expectations and promises of the benefits for me when in reality this program has only had a negative impact on my situationThe only resolutions provided to me would only further negatively impact meI do hope my situation is sent to the original company *** *** for review and used as a training tool to better equip the sales reps to utilize honest clear communication when interacting with future clients.
Regards,
*** ***

Upon review of Ms***'s program it was determined that due to a technical error all of the scheduled payments owed on Ms***'s *** ** *** settlement were not remitted from the 3rd party bankCentury has since reached out to Ms*** to apologize for the error and frustration
surrounding the issue. The account has been renegotiated with *** ** *** and Ms*** will be responsible for only the amount that would have been remaining owed from the original settlement. Century will be covering the difference on the new settlementAt this time it is my understanding that all of her concerns have been resolved
Respectfully,
Sameka G***
Senior Director of Client Services

Thank you for your correspondence dated October 20th, and for providing Century Negotiations,Incthe opportunity to respond to Ms***'s complaint filed with your officeRest assured that wetake consumer complaints very seriously.I contacted Ms*** 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 herShe had feltpressured at the time to accept a loan from our partner companyI apologized to her for the mixedmessage that was sent as that was not our intent to pressure her one way or the otherShe 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 thinkingMs*** also commented that one of ourrepresentatives falsely stated that CNI was accredited by the Revdex.comI did clarify that we are notaccredited but that we do have a high ratingIn summary, Ms*** has been canceled from ourprogram and it is our understanding that at this time all of her concerns have been addressed.Respectfully,*** ***Senior Director of Client ServicesCentury Negotiations, Inc

Ms*** enrolled with Century through Freed Debt Relief on August 4, 2017. Her enrollment consisted of her completing a page Debt Resolution Agreement. Ms*** enrolled four debts, totaling $6,in her debt resolution program. A monthly program deposit of $was
established at the time of enrollment, and a program length of months was estimated, based on the program deposit amount and her total enrolled debt. As of October 13, 2017, when we first learned of Ms***’s complaint, a total of $had been paid by her into her dedicated settlement account. We would note that Ms***’s program deposits were, as agreed by her, made from her personal bank account into a special purpose dedicated settlement account, in her name, with Cross Road Financial Technologies, a third-party payment processor with whom she contracted on August 4. Ms*** had the right, at any time, to cancel her debt resolution program with Century, pursuant to the Cancellation clause in her debt resolution agreement. As such, we do not know why she didn’t contact Century to cancel her program. In any event, upon receipt of the Complaint, our customer services department attempted to reach out to Ms*** and has left several voice mail messages for her, and have sent her email messages, in an effort to ascertain her interest in cancelling or continuing her debt settlement program with Century. As of today, she has not returned our calls. As it is apparent that Ms*** does not believe that our program is suitable for her needs, and with our response to the Complaint due, on October we cancelled her account and initiated a refund to her from her CFT account of all progress payments she made into that account since enrolling in August, only two months ago, totaling $500. As for the statements that Ms*** attributes to Freedom Debt Relief during the enrollment process, while Century is not familiar with those statements, except at reported by Ms***, we would only comment that, in our experience, had we been given adequate time to settle Ms***’s debts, we would have been able to achieve acceptable results for her. However, despite the full disclosure of the terms and consequences of a debt settlement plan, it appears that Ms*** at some point determined such a service not to be ideal for her, and we respect what we believe is her intention of cancelling her program with our CompanyWe trust that this response is satisfactory, and we would be glad to make available Ms***’s entire Debt Resolution Agreement if it would assist your office in reviewing our response and in considering the ComplaintRespectfully, Sameka G*** Senior Director of Client Services Century Support Services

Ms*** and I had a chance to speak on Thursday July 29th, and we agreed to a refund of $in settlement fees along with Century arranging and paying for a settlement on her *** *** accountAt that time, I explained that a refund release agreement would be emailed for her review and signatureThe next day, I placed a call to Ms*** and left a message to advise her on a delay in the refund and release agreementThe reason the refund and release agreement was not sent to her was because I was still waiting on a final settlement offer from *** *** (the company currently collecting on the *** *** account)Later that day, Ms*** spoke with another representative in our office, who conveyed the same messageIt was our understanding that Ms*** understood the reason for the delay and did not have an issue waiting, in order for the complete details of the refund and settlement arrangement to be outlined on the release.At this time, we are still waiting on a final settlement figure for the *** *** account. We are following up daily with *** *** and will send the refund and release agreement to Ms*** as soon as it is obtainedWe will also leave a follnote to the Revdex.com that it was obtained and forwarded to Ms***.Please let us know if you have any additional questionsBest, Sameka G***Senior Director of Client Services

Revdex.comThe only thing I ask is that you treat no other client this way going forwardThis has been one of the worst experiences with the business I have ever hadI have been lied to over and over againI have upheld my part of the contract and provided my monthly payment every month This company will not respond to any issues but has no problem calling you multiple times to settle an accountI do believe I was owed what was provided to me in coming to a resolution with this issueMy only regret is that I ever went with this programAdrian has been a pleasure to work with however it is sad that it had to get to this pointAll I ask is that you take accountability for your part and never treat a client like this going forward
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** *** ***

We are in receipt of the complaint filed by *** *** dated November 19th, Upon th***ughreview 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*** states in her
complaint that we charged her different settlement fees and that she did noteven have accounts enrolled in the programThe 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 initiatedWe were able secure settlement agreements on of Ms***’s accounts while she wasactive on the programAll 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*** in regards to her concernsbut have only been able to receive one response via emailIt is our desire to th***ughly review hercomplaint and to see if we can come to a resolutionUp to this point we have not been able to reach her viatelephone and she is no longer responding via email