Debt Pay Gateway

I responded to a “special offer” for a loan in july, where I followed all advice given to me by forth, aka forth debt pay, aka debt pay gateway, aka guardian litigation…i have been making monthly payments to them and they have done NOTHING. I was not having financial hardships until now.

Save your time, energy and money. This company is the worst and I normally do not write reviews but others need to be warned about these scammers! I was offered a loan but didn't qualify so was offered debt consolidation instead. I accepted and provided my account info to have the payment drafted on Nov 1st. I called twice on 10/27 and 10/30 to have the payment cancelled since I told them I decided to not use their services. On both occasions, Diego and Nahum told me that I would not be drafted and they assured me my account was cancelled. Well on Nov.1st my account was drafted so I called Forth on 11/2 and Ray told me the cancellation process was not completed and it would be a $5 fee deducted to have my refund received via paper check and it would process in 7 business days. I agreed and it is 11/26 and I have not received a refund yet. These people are the worst I recommend finding other options before using TriPoint Lending, Guardian Litigation Group or Forth!

At first when I received the phone call to consolidate, it sounded like a good deal. Them soliciting me should have been a clue that they are not trustworthy. I have been paying them for years.
First of all I was never made aware that they were going to stop paying my credit cards upfront. Then I started receiving court summons from the credit card company threatening to sue me. I called debt gateway and they told me that I have to increase my monthly payment to avoid getting sued! WTH?!
Now I’m in a contract that I did not agree to originally and paying over $500 a month! It took them 2 years to settle my accounts.
Look for another company to consolidate with or negotiate with the credit card companies on your own. It will save you a ton of money.

I've been using debt pay gateway since December of 2021 and I have been making my payments every month for almost 7 months and there have been no payments or settled accounts at all! I have been getting bombarded with phone calls from my credit card companies. They say they provide legal services for just that situation, but when I called them to help with the phone calls they had me contact the creditors to take care of it. I thought that's what they were supposed to do? I'm paying almost $300 per month for basically nothing. I am very dissatisfied with their service and I'm getting ready to cancel my account with them!

Debt Pay Gateway, Inc ("DPG") has assisted consumers and various businesses, including the company with which Ms [redacted] - [redacted] dealt, by providing merchant processing services, receiving funds from consumers on behalf of the businesses and releasing funds in accordance with the terms of the written agreements between the consumers and the businessesDPG does not market, offer or provide any "debt management" services of any kind, including the type referenced in Ms [redacted] - [redacted] 's complaintIn addition, DPG made no representations of any kind to Ms [redacted] - [redacted] , other than it agreed to perform the merchant processing services outlined in the Custodial Account Agreement she signed August 17th 2016.In accordance with Ms [redacted] - [redacted] 's written authorization pursuant to the Custodial Account Agreement, and the agreement she signed on August 17th with the "debt management" company, DPG debited her designated bank account.Although these transactions were expressly authorized by Ms [redacted] - [redacted] in her signed agreements, it appears Ms [redacted] - [redacted] was dissatisfied with the "debt management" company which is a completely separate entity from DPGOftentimes DPG is confused as the "debt management" company, which it is notWe trust this should resolve any concerns Ms [redacted] - [redacted] may have in connection to DPG directly

Ms [redacted] , rI have reviewed your account in our system and have found that we did a poor job in handling your account closure and refund requestWe have a policy in place that should haveesulted in you receiving your refund within three days of accepting your Account Closure forms but it was not handled properlyI'm extremely sorry for the inconvenience and stress that this process caused youWe are in the business of attempting to help people in debt settlement programs by allowing them to maintain control over their own funds in what is already a stressful situation and to actually make it harder on you is inexcusable I have entered a refund of any fees that we have charged you over the course of your enrollment with our company as well as any balance that was left in your accountI do have your contact information and would like to contact you to personally apologize for this errorSincerely, [redacted] Debt Pay Gateway - CEO

They explained on the phone that this would consolidate my credit card debt, that if I made monthly payment to them on time, they would use those payments to pay my creditors. What happened was they put my money in an escrow account as they tried to settle with the creditors, this caused late fees and my accounts to go over credit limits harming my credit. They misrepresented themselves, also saying they have an "A" rating with the Revdex.com I latter found out they are not accredited by the Revdex.com.

They explained on the phone that this would consolidate my credit card debt, that if I made monthly payment to them on time, they would use those payments to pay my creditors. What happened was they put my money in an escrow account as they tried to settle with the creditors, this caused late fees and my accounts to go over credit limits harming my credit. They misrepresented themselves, also saying they have an "A" rating with the Revdex.com I latter found out they are not accredited by the Revdex.com.