Century Support Services

Thank you for your correspondence in regards to [redacted] file number [redacted]. We havesince been in touch with Ms. [redacted] about her concerns and apologized for any frustration she has dealtwith while wrapping up the final portion of her settlement program. Century appreciates the...

opportunityto address those concerns as it was not our intent to frustrate or to take fees in error. She has beenrefunded the full amount of fees that were in question totaling $34.50. A new settlement letter has beenrequested on her remaining account and payment has been set up to satisfy that account. At this time it ismy understanding that all of her concerns have been addressed.Thank you,Sameka G[redacted]Senior Director of Client ServicesCentury Negotiations, Inc.

Up to this point we have not been able to connect with Ms. [redacted] to discuss her complaint filed with the Revdex.com. It is our desire to further explore any concerns that she may have in regards to how her accounts were handled while enrolled with Century Support Services. In the original complaint, Ms....

[redacted] expressed concerns over her creditors being contacted and our progress in resolving her debts. Due to the nature of debt settlement it is necessary for accounts to be delinquent prior to securing a settlement on any individual account. Most creditors do not entertain discussions of settling an account until the account is past due by a number of months. Our years of experience in the industry have given us the knowledge to know the prime point in delinquency to seek a settlement. Unfortunately, Ms. [redacted] canceled from the program before we were able to prove the value in our services. Century Support Services does not charge any monthly fees, settlement fees are earned when each individual debt is settled. It is stated in the contract that interest and late fees may continue to accrue while enrolled in a debt settlement program. As such we would not be able to cover the fees that were assessed by Ms. [redacted]’s individual creditors.   Sameka G[redacted]Senior Director of Client Services Century1061 Main Street, Banco Business ParkNorth Huntingdon, PA 15642Phone: ###-###-####Fax: ###-###-####Email: [redacted]Website[redacted]

As the Director of Lifecyde Marketing, I’m one of the executives responsible for our brand and reputation. I am afresh set of eyes to the complaint from Ms. [redacted] and to the history behind it. I have spent quite a bit oftime reviewing the information and speaking with our team about it. Below I have listed some of the key facts andmilestones that I have collected:1. 03/25/2014 - Ms. [redacted] joined the debt settlement program2. 04/01/2014 - First draft payment made to reserve account of $125.003. 04/09/2014— First settlement (via term payments) initiated on T-Mobile account for $1458.004. 12/22/2014— Second term payment settlement initiated on GECRB account for $840.005. 3/16/2015 - Call and verbal recorded approval to draft additional funds and enter dient into third termsettlement on [redacted] account for $225.866. 4/27/2015 — Ms. [redacted] called to cancel. Several supervisors/managers tried to work with her to keep herenrolled. Our team explained to her that if she cancelled, her program would cease and the 2 term paysshe was working on would go null and void and that the amount paid on those settlements thus far wouldbe applied towards the accounts balances in full. We collected the remaining funds in her reserve of$18.64 and applied them to outstanding fees that we were owed for settlements initiated on heraccounts. There were remaining fees that we did not collect and have written off.7. As per her contract, the fees on each account are owed in full at the time the first payment is remitted ona settlement. In order to allow for faster settlements we often choose to split our fees over multiplepayments during the length of a settlement. This is explicitly beneficial to our dients.8. 10/6/2015 — Ms. [redacted] called to inform that [redacted] account was still being collected on and that shethought it was paid. It was explained that because of the term pay status on this settlement when theprogram was cancelled, the payments made towards this account were applied towards the balance infull and the settlement was not completed.9. 11/19/2015 — Ms. [redacted] turned to the Revdex.com with her first complaints.10. 11/20/2015 — 2/23/2016 - Several attempts were made both via phone and email to come to asatisfactory resolution. As of July of 2016, a resolution has not been agreed to.Based on these facts, our team would like to make a good faith offer to Ms. [redacted] to resolve this complaint. Ouroffer includes:• The Century team will work with [redacted] to settle the debt at no additional cost to Ms. [redacted].
• The agreed upon amount to completely settle the [redacted] debt will be paid in full by Century at noadditional cost to Ms. [redacted].
• If the debt is currently in dispute with the creditor, the dispute will need to be removed by Ms. [redacted] inorder for Century to complete and pay the settlement amount in full.With this offer accepted and in place, we would ask that Ms. [redacted]’s complaint be satisfactorily resolved on theRevdex.com site. We would also need a release signed by Ms. [redacted].Please let us know if there are any questions and if we need to provide further details to this resolution offer.Thank you for your time and consideration in this matter.Sincerely,Stephanie P[redacted]Director of Lifecycle Marketing

Thank you for your correspondence dated March 23nd, 2016 and for providing Century Support Services,LLC. The opportunity to respond to Ms. [redacted]’s complaint filed with your office. We have since had achance to speak with Ms. [redacted] to review the details of her contract and the program that she...

signedup for.We have discussed Ms. [redacted]’s dissatisfaction of the program with her and agreed to issue a refund ofa portion of the fees that she paid. This refund has since been processed. WE trust that this issatisfactory. Please contact me directly with any additional questions that you may have @ [redacted]
[redacted]Thank you,Sameka G[redacted]Sr. Director of Client ServicesCentury Support Services, LLC

Century did not mishandle the negotiation of Mr. [redacted]’s Chase account as he alleges.  The creditor, Chase, decided to write-off the account in its entirety while settlement negotiations were underway.  As the account was written off, Mr. [redacted] did not incur any settlement fees to Century on that account.  Had the account been settled, Century would have earned a fee, which would have been 25% of the original enrolled debt balance, and the settled upon amount would have had to have been paid.  Not only did Mr. [redacted] not incur a fee to Century, he had to pay nothing toward the account.  That resulted in a total savings to him of over $1300.  When his program with Century was completed, the balance in his dedicated settlement account ($1885.35) was refunded to him.   Chase’s decision to report the account as written-off was their prerogative as his creditor. Century had no involvement in Chase choosing to abandon its collection efforts and in writing off the account nor any reporting that Chase may have made to the credit bureaus.  Neither Century nor Mr. [redacted] had any advance notice of Chase’s decision to write off the account.  With regard to Mr. [redacted]’s statement that one of the credit bureau’s continues to incorrectly reflect on his report that the Chase account remains unpaid, we respond that, If one of the bureaus incorrectly reflects the Chase debt as still owed, he should take up the matter with the creditor and the credit bureau.  The 1099-C that was issued to Mr. [redacted] by Chase (and, which he produced to Century) should be evidence that the debt was written off and is no longer due.  While Century is not in the credit repair business, we would be glad to direct Mr. [redacted] to credit repair service that may be able to assist him. We have called him and sent him an email message asking that he contact us for that purpose.   Thank you, Sameka G[redacted] Senior Director of Client Services Century Support Services

[redacted] enrolled for debt settlement services with Century Support Services, LLC on July 26, 2017, approximately six months ago.  She enrolled eight debts, having an aggregate balance of $6,729.00...

in debt.  Based on the financial information provided with her client agreement, [redacted] agreed to monthly program deposits of $200 and it was estimated, based on her total debt and the amount of her program deposits, that her program term would last for twenty six (26) months.              [redacted] states that she learned of missed payments to her creditors.  She knew, at the time of enrollment that, as she was making deposits into her dedicated settlement account (with a third-party processor), that this account would be utilized to pay settlements negotiated by Century with her various creditors.  In fact, at the time of her complaint, Century had already settled 2 accounts that she enrolled, and was in the process of working on 1 additional settlements on her behalf.              Century feels confident that, given the opportunity to continue, we would be able to continue to negotiate to [redacted]’s satisfaction the balance of her accounts.  However, despite the clear language in our client agreement and the care and attention given to making sure that our program is fully understood by our clients, some clients may become discouraged at some point doing their program.  Prior to receiving the complaint, we were not aware of [redacted]’s concerns as she was making her program deposits, we were obtaining favorable settlements on her debts, with her consent and approval, and had not heard from her about any problems or concerns.  In her complaint, [redacted] states that her current income source will soon be coming to an end.  Century’s ability to negotiate the balance of her debts depends on her continuing to fund her dedicated settlement account.  Upon receipt of this complaint, we reached out to [redacted] by phone and email in an attempt to understand and address her concerns and also to discuss with her whether or not she intends to continue with her Century debt settlement program.  On January 14 with her intention to cancel her account.  Despite repeated attempts since then to contact her, she has not returned our calls or our email messages. While Century has performed according to the client debt resolution agreement, we regret [redacted]’s cancellation of her program with our company.

To whom this may concern, Upon receipt of the above complaint, Century was able to connect with Ms. [redacted] to further review her concerns. While Century details our fee structure on the contract and discloses those fees again each time a client is approving any settlement offer negotiated on their...

behalf, Ms. [redacted] stated that she was not aware that Century charged any fees for our services. After speaking with senior management Ms. [redacted] has agreed to continue with the Century Debt Settlement program for a reduced fee of 18% on any future settlements. In an act of good faith Century also waived remaining fees for the 2 current settlements that are in place. It is our understanding that at this time Ms. [redacted] is satisfied with the outcome and the debt settlement services that Century is providing. Thank you, Sameka G[redacted]

I received the response from the complaint I filed against Century. However, the response was very vague and skewed to sound like more service was provided than actually was.After over 8 months in this program and atleast 10 different phone calls from myself to Century, none of my credit accounts have ever been negotiated to settlement. Every phone call led to complete confusion and each representative told me something different than the rep before them. For example, my American Express account was discussed on several different occasions. Only today, after 8 months, did a representative tell me that American Express won't even discuss accounts with them to settle! The same thing played out a few weeks ago with my last phone call where a representative informed me that Chase also does not discuss possible settlements on any accounts with Century. The only way to get a settlement from either creditor is for the consumer (myself) to call and attempt to get a settlement personally! So that is half of my accounts that cannot be settled on. When, at the beginning, the salesman assured me that they could get settlements with all their accounts AND that Chase was actually the easiest to get a settlement with. In addition, if the consumer does reach a settlement, Century still charges the same amount of commission/fees as accounts they actually come to a settlement on themselves, even though they didn't do the work of negotiating at all.Century's response also mentions a phone call with Synchrony Bank stating that "they would likely accept monthly payments on account for the negotiated settlement amount" and "the first payment would occur between the 1st of September and the 15th of September." None of this ever occurred. There is not now, nor has there ever been a settlement with Synchrony Bank. The day of this phone call, the rep from Synchrony Bank couldn't tell us anything at all about the account because it was in the process of being adjusted as Synchrony was taking some late fees off. So nothing at all was accomplished during that 3-way phone call. There was no "negotiated settlement" and as of today, still nothing has happened with my Synchrony account.Century has ruined my credit far worse than it ever was, as they advise their customers to stop paying in all credit accounts. After following their "advice," I now have a civil lawsuit against me from 2 of my creditors. Cancelling and receiving a full refund of my escrow account does not fix the long term damage this business has caused. My once 800+ credit score is now in the tank because they told me to stop paying and that they can get settlements within the first week of being on the program. The entire 8 (almost 9) months has been lies and scamming.Refunding my money, while it sounds like a fair resolution, barely skims the top of the nightmare they have cause me.Sincerely,[redacted]Sent from my iPhone

Thank you for your correspondence in regards to [redacted]. Since receipt of the complaint we have had the opportunity to discuss her concerns and apologize for a miscommunication that occurred earlier in the year.Earlier in 2016 we called Ms. [redacted] with a settlement offer on one of her accounts,...

she accepted that offer and anticipated that we would begin sending payments to that particular creditor. Upon further review her monthly draft was not an amount that would cover both the existing settlement that was already underway as well as the new offer that was presented to her. We failed to inform her of that and have since apologized for the lack of communication that occurred. At this time it is my understanding that all of her concerns have been addressed.Respectfully,Sameka G[redacted]Senior Director of Client ServicesCentury Negotiations, Inc.

Ms. [redacted] and I had a chance to speak on Thursday July 29th, 2016 and we agreed to a refund of $419.00 in settlement fees along with Century arranging and paying for a settlement on her [redacted] account. At that time, I explained that a refund release agreement would be emailed for her review and signature. The next day, I placed a call to Ms. [redacted] and left a message to advise her on a delay in the refund and release agreement. The reason the refund and release agreement was not sent to her was because I was still waiting on a final settlement offer from [redacted] (the company currently collecting on the [redacted] account).
Later that day, Ms. [redacted] spoke with another representative in our office, who conveyed the same message. It was our understanding that Ms. [redacted] 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 [redacted] account.  We are following up daily with [redacted] and will send the refund and release agreement to Ms. [redacted] as soon as it is obtained. We will also leave a follow-up note to the Revdex.com that it was obtained and forwarded to Ms. [redacted].
Please let us know if you have any additional questions.
Best,
Sameka G[redacted]
Senior Director of Client Services

Participating in a debt settlement program does not eliminate the possible threat of legal action occurring on any particular debts. At the time the account in question was sent to a law firm other settlements were in process, thus not allowing for any availability of funds out of the monthly draft...

to address the account. In an attempt to help Ms. [redacted] resolve the legal account without further incident, Century was able to act quickly. We reversed fees that were paid towards other settlements to allot her the funds needed to address the legal account. Those fees will be recouped at a later time. Century was also able to waive all fee collection for the particular Discover account. At this time it is our understanding that Ms. [redacted] is satisfied with the resolution and plans an continuing to allow Century to administer the remaining portion of her debt settlement program.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Regards,
[redacted]

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.

We are in receipt of the complaint filed by [redacted] dated November 19th, 2015. Upon th[redacted]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. [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 th[redacted]ughly 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.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

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.

This is Century Support Service LLC’s response to the October 2, 2017 Complaint of [redacted].  Mr. [redacted] enrolled with Century on September 17, 2012, more than five years ago. He enrolled a total five debt accounts in his debt settlement program with Century. Mr. [redacted]’s debt...

settlement program was successfully completed on June 22, 2015.  At the time of program completion, Century had settled four of the five accounts. A fifth account with Chase Bank, that Mr. [redacted] addresses in his current Complaint, was withdrawn from the program, by him, prior to completion.  At the time the Chase account was withdrawn, Century was working with him on the settlement of that account.  That account was withdrawn when Mr. [redacted] informed Century that he had spoken with Chase, that Chase had written off the entirety of the account balance and had issued to him a form 1099-C, as evidence of the write-off.  He furnished Century with a copy of that 1099-C as proof of the Chase account write-off.  With the resolution of that account, there were no additional debts on the program to be settled.  The program was completed and Century provided Mr. [redacted] with a certificate of completion and graduation from the program.  Shortly after program completion, Mr. [redacted] received from his dedicated settlement account with his third-party processor a refund of the entire balance of that account ($1883.35). Until September 21, 2017, when Mr. [redacted] called Century, we had not heard from him since May 30, 2015, when we received a Complaint from the Revdex.com, submitted by him, addressing the status of his dedicated settlement account and the accuracy of his account balances.  Century responded to that complaint stating that the account was in the process of completion and that the refund referenced above had been processed for payment from his dedicated settlement account with his third-party processor.  Century further responded that, at the time of completion of the program, there were no outstanding issues concerning the accuracy of any account balances on his program with Century.  Century’s response to the May, 2015 Complaint was deemed to be satisfactory. In conclusion, with the settlement of four accounts, and the write-off of the fifth and final account in Mr. [redacted]’s debt settlement program with Century, as confirmed by his completion and graduation from the program, Century has fulfilled its obligations to him as of June, 2012.  With respect to the current credit bureau issue that Mr. [redacted] mentions in this Complaint, Century would have no knowledge of those events.   As he is most knowledgeable in the history of that account, Mr. [redacted] is in a position to address with his creditor and the bureau any issues surrounding that matter.  Respectfully, Sameka G[redacted] Senior Director of Client Services

We have received your follow up letter for the complaint filed by [redacted]. As noted in ourprevious response there was an error made earlier in 2016 where Ms. [redacted] was presented with asettlement offer on one of her accounts that at the time was not able to be paid because she was currentlypaying a settlement on another one of her creditors enrolled in the debt settlement program. Themiscalculation was discovered prior to any payments being remitted and thus no adverse activityoccurred for the account in question. For oversight we have since apologized for the lack ofcommunication.In regards to this error negatively impacting her credit score, by nature participating in a debt settlementprogram will have a negative impact on a consumer’s credit score. The particular account in questionwas delinquent at the time of the error and that status remains the same as of this date so it would nothave caused any change in her credit score.The particular account that was negotiated and then not paid has since moved from one creditor toanother but the potential settlement offer at this time remains the same. It has been communicated to Ms.[redacted] that if at the time the settlement on this account does occur and the settlement offer is higher thanthe originally approved amount that we will cover the difference in the settlement.Thank you,Sameka G[redacted]Senior Director of Client ServicesCentury Negotiations, Inc.

Up to this point we have not been able to connect with Ms. [redacted] to discuss her complaint filed with the Revdex.com. It is our desire to further explore any concerns that she may have in regards to how her accounts were handled while enrolled with...

Century Support Services. In the original complaint, Ms. [redacted] expressed concerns over her creditors being contacted and our progress in resolving her debts. Due to the nature of debt settlement it is necessary for accounts to be delinquent prior to securing a settlement on any individual account. Most creditors do not entertain discussions of settling an account until the account is past due by a number of months. Our years of experience in the industry have given us the knowledge to know the prime point in delinquency to seek a settlement. Unfortunately, Ms. [redacted] canceled from the program before we were able to prove the value in our services. Century Support Services does not charge any monthly fees, settlement fees are earned when each individual debt is settled. It is stated in the contract that interest and late fees may continue to accrue while enrolled in a debt settlement program. As such we would not be able to cover the fees that were assessed by Ms. [redacted]’s individual creditors.
 
 
Sameka G[redacted]
Senior Director of Client Services
Century
1061 Main Street, Banco Business Park
North Huntingdon, PA 15642
Phone: ###-###-####
Fax: ###-###-####
Email: [redacted]
Website[redacted]