Consumer Credit & Debt Counseling Services Inc

Review: I have been a customer with CCDCS since October of 2008 until May 13, 2013 that [redacted] took it upon herself to close my account. I started noticing some discrepancies between my statement and what CCDCS was emailing me. I started questioning [redacted] and [redacted] about these discrepancies on February 7, 2013. I notice that some of my credit cards were getting paid late, CCDCS were paying themselves $100 instead of $50. I also notice that one of my credit cards was 30 days late that it effected my credit report. I just wanted to know where my money was going. They stop answering my emails. Please help. Desired Settlement: I want statement from their company in detail from 10/2008 to 5/2013 where all my money went to and how much were they sending my credit cards and how much were they charging me for their service. I want to see were my $2000.00 that I'm missing went to. If they can not prove with the statements were my $2000.00 went to. I want a my money back. I just don't want this to happen to some one else. Thank you. [redacted]

Business

Response:

Initial Business Response /* (1000, 6, 2014/02/09) */

CCDCS has responded to [redacted] via e-mail and phone more than 20 times. We've provided documentation to her and even over-paid her accounts where she insisted over and over again that they weren't paid (despite undeniable proof from CCDCS to the contrary). She herself has access to all her financial documents and her credit card accounts to verify accounts received from CCDCS, or prove payments weren't made where CCDCS has provided verification that they were. We are sorry [redacted] continues to say the same thing, and hope she takes documentation provided by us, as well as her own personal documents, to a financial adviser so that payments made will become clear. [redacted] was with our company for almost 5 years, and repaid nearly $27,000. There was never an issue or a problem. It's confusing and unfortunate that only at the end Ms. [redacted] made accusations about mis-paid funds, with no proof or documentation by her.

Initial Consumer Rebuttal /* (3000, 8, 2014/02/20) */

(The consumer indicated he/she DID NOT accept the response from the business.)

I do not accept CCDCS respond because they have not provided me with the proper documentation as they claim in this letter. I can provide copies and will send copies of all the statements and document I have from CCDCS.

I have never received a phone call from them as they claim even when I have call the 1800 number I only get an answering machine. They have never over paid my accounts all my accounts have been paid with my money and I can provide copies of all my bank statement to prove that too.

I can E-mail all the e-mails that CCDCS send to me given me the run a run and never provided me the proper documentation that I requested.

I never asked for money just documentation but in one of the emails they were willing to give me money and fix the problem that way. But I just wanted my documents so I can be able to compare with my credit cards statement and bank statement and see where the discrepancy was from my part or from their part.

I have taken my documents to a financial advisor who was the one that made me aware of all these issues and discrepancies but was unable to continue to help me do to not having the rest of the document s from CCDCS.

The only documents I have from CCDCS are from October of 2008, May thru October of 2009, January thru June of 2010, and September thru February of 2013. I'm still missing the rest of the months and years.

I trusted the company and had no problem with them at the beginning. Everything seems good and all my credit cards were getting paid, but all my questions started on 2013 as I was getting closer in paying my credits cards off and had only a few more to pay off and found out that all my money was not going to my credit cards. That's when I requested a statement from their company. They email me the one from September thru February 2013 and I also discover that they were charging themselves $100 and not $50 for their services. That 's when I did my own investigation and got advise from a financial advisor base off from my credit card statement and bank statement and the few documents that I had from CCDCS. It's very sad that I trusted this company and they did this to me at the end of so many years trusting them. Hopefully they don't do this to other people.

I wouldn't have sent a letter to the Revdex.com if CCDCS had provided me with the proper documentation and prove where all my money went to. Thank you for all your help Revdex.com.

Final Business Response /* (1000, 24, 2014/03/25) */

CCDCS stands by their response. We have given all our information to [redacted] and she has never showed us any discrepancy based on her own records the statements she receives from creditors. We are sorry that after almost 5 years of working together she is not happy with our services. CCDCS is closing at the end of April.

Final Consumer Response /* (3000, 26, 2014/03/28) */

(The consumer indicated he/she DID NOT accept the response from the business.)

I don't have time to go back and forth with an unprofessional company like CCDCS. I have more important things to focus on especially with my husband being in the military. I have also provided prove all the discrepancies mrs. [redacted] and [redacted] have done mismanaging my credit card. I guess they need the $2000.00 more than I do. They can keep the money and hide all the mismanagement of my credit cards. I'm sure they are doing this to more of their clients as [redacted] stated in one of her emails to me. Thank you Revdex.com for all your help. The internet is world wide as well as face book and people are always reading it. I will make sure that other people don't use this company and tell them my story.. Thank you...