New Leaf Financial, Inc.

We have reviewed your file and are providing the following responseYou enrolled into our no advanced fee debt relief programWhen you enrolled, you agreed to make monthly payments into your dedicated account so that we could begin to negotiate settlements on your behalf with your creditorYou
enrolled into a month programAfter your third month, you requested to skip your monthly payments for two monthsWe were more than happy to accommodate your request considering the sudden hardship you were facingWhen we reached your first settlement at 40%, we contacted you by both phone and email advising you of the settlementWe also set your settlement up as a term settlement to break down the settlement amount into payments to accommodate for those two months that you skipped paymentsAt that time, your dedicated account balance and your upcoming payment scheduled in November were enough funds to make the monthly settlement payments and pay our feeOur fee is earned after we reach a settlement with your creditorWe have attempted to contact you to discuss your complaint and will be happy to return our fee if you did not wish to move forward with the settlementPlease contact us so that we may resolve this matter

Our initial response provided all necessary information to resolve compliantWe have nothing further to add at this time

We have reviewed your file and are providing the following response. You spoke with our manager on 8/8/who addressed all your concernsWhile you were enrolled in our no advanced fee debt relief program, we were able to settle one of your debts and made payments to your creditorHowever,
due to the circumstances of your account, we are happy to provide you with a refund of our fee earned from settling your debt. We believe this should resolve all your concernsPlease contact us if you have any further questions

We are in receipt of your complaint and would like to provide the following responseThe personal information displayed on your card is limited to only your name and address as the debt range on the card is modeled from average debt amounts in your areaIt is also illegal for anyone
to interfere with mail sent through the US Postal ServiceHowever, if your request is to be removed we will gladly respect your wishes. As of today your name has been added to our do not mail records which will remove your information. We would like to make you aware you will receive one more mailing from usWe sincerely apologize but we were unable to remove your information prior to our second mailing going outHowever, we have confirmed your information has been removed going forwardThank you

I received of Not received it all

We will be happy to remove your information from our future
mailing recordsYour information was obtained through a public records search
We understand your concerns, however we think it is important to point out the
information on the postcard is not your personal informationThe modeled
debt
amounts are generalized and are not specific to you
We have confirmed, today your information has been added to our do not mail
records and we hope this resolves your concerns

[redacted] We have attempted to reach you several times regarding your complaint however, you have not returned our phone calls. We are unable to reach a resolution with you until we speak to you. You enrolled into our no advanced...

fee debt resolution program. Our program is not a consolidation program. Your program was for 34 months. The agreement you entered into with us clearly disclosed to you many important statements regarding our program. In addition to our agreement, you also complete a verbal compliance call that went over the same disclosures.  This is an excerpt from our agreement with you: “Our fee is 35% of the total amount saved from the settlement reached on the debt.” “IF YOU alter any payment arrangements once on a term/installment settlement or have insufficient funds when your payments are drafted into your dedicated account, you will be in default of your settlement agreement, any funds previously paid on the settlement will be applied towards the balance and the settlement will be lost. The creditor may continue to proceed with collection efforts on the account.” During the nine months you have been enrolled, we obtained your first settlement in August, your 7th month in the program. Prior to reaching the settlement on your behalf, you requested to lower your monthly payments in half, we accommodated your request for three months. Our ability to reach and complete settlements for you is solely based on your ability to successfully make your monthly program payments. However, we were still able to reach a settlement which was set up as a term settlement to be paid over 18 months based on the program payments you were scheduled to make monthly. The fee for the work we performed is due once we negotiate the settlement and make a payment on your settlement to your creditor. This is the only fee we charge, there are no hidden fees.  One month after your settlement began, you placed a stop payment on your monthly program payment for September and again in October. We called you regarding your payment issues several times. You informed us that you gave instructions to your bank not to make these payments and that you were changing banks. We advised if you did not resume and make up your scheduled payments immediately that your settlement would be in jeopardy of being lost/ defaulted upon. If you made up your payments, we could attempt to contact your creditor to see if we could get your settlement back on track but there is never a guarantee this can happen. You did not make up your payments. If there are not funds available to pay to your creditor on the settlement then the settlement does not continue. It is also important to note, in addition to enrolling into our program, you also executed separate agreements enrolling into services for banking and consumer advocacy support which are separate from our company and have fees for the services they provided to you. We would like to resolve your complaint and request for you to contact us in order to do so.

Better BBI received a refund afyer constance phone tags and making direct calls to my bank. No [redacted]n was never working with or settle with th e m I just got a letter that they charged off my account
Regards,
[redacted]

We spoke with Ms. [redacted] son and
authorized contact on her account, Mr. [redacted] on October 20, 2015 and provided
him with answers to all his concerns filed in the complaint. The debt
relief agreement Ms. [redacted] entered into did not require the payment of a fee
to us until we successfully...

negotiated a settlement with her creditor. Due to
Ms. [redacted] early termination of her program, we were unable to obtain a
settlement and did not charge her any fee. Our enrollment process has several key
compliance stages that go over all important disclosures of the program and provides
an explanation of those companies Ms. [redacted] would be working with. She chose
to enroll and she signed separate agreements for banking and creditor harassment
mitigation services provided by other companies. We explained this to Mr. [redacted]
along with the fees these companies charged for their services which are
unrelated to our company.  Mr. [redacted] was
satisfied with the explanation given and had no further concerns.  We ask you to please close this complaint as
resolved.

We are in receipt of your complaint and would like to provide the following response. We take your allegations very seriously. We feel it is important to explain that we settle accounts with all major creditors, which include [redacted] accounts. Our most recent...

settlement reached on a [redacted] account was April 8, 2015. Unfortunately, the incorrect information you received, was given to you by people outside of our company. When you contacted us to cancel your account on March 31, 2015, your payment was already in a pending status with the [redacted] provider and we could not stop your payment from drafting. This is why it is our company’s policy for you to contact us five days prior to your draft date so we can make proper adjustments. However, we have confirmed you were returned your account balance of $610.54 on April 3, 2015 back to your personal [redacted] account on file and your account was cancelled. You enrolled into our no advanced fee debt resolution program. The agreement you entered into with us did not require a fee paid to us until a settlement was negotiated with one of your creditors and a payment was made to the creditor.  The early termination of your program, did not allow appropriate settlements to take place and as such we did not collect any money from you. In addition to enrolling into our program, you also executed separate agreements enrolling into services for banking and consumer advocacy support which are separate from our company. We have been informed you spoke with the company providing you with consumer advocacy support and they have provided you with a refund for their services.We feel this should resolve your concerns and request for you to close the complaint as satisfied.

Complaint: [redacted]
I am rejecting this response because:.I talked to both banks directly. Neither has a reason to lie. 
Regards,
[redacted]

We will be happy to provide you a copy of our settlement letter on the [redacted] account settled on April 8th in addition to one settled with[redacted] of [redacted] directly on Feb 19, 2015. They are attached.  We confirmed a check returning your remaining money was mailed to you on April 17,2015 from the company providing consumer advocacy support. We were informedyour [redacted] account was closed which delayed returning your money and the reasona check had to be mailed. It has also been confirmed they spoke with you andexplained this to you. As we stated, we did not receive any money from you. Wehope this resolves your concerns and wish you the best.

Complaint: [redacted]
I am rejecting this response because:
While removing us from a mailing list may serve to end future correspondence with us, no public records search (as was stated as the source) is an indicator of alleged credit card hardship - public records show homeownership debt (and other certain debts) which is not related to credit debt which is private - and to state "information on the postcard is not your personal information" and that the "modeled debt amounts are generalized and are not specific to you" is slanderously misleading.
We are satisfied with part of the resolution as it applies to us personally, but dissatisfied that misleading advertising by public postcard will not change and will continue to negatively affect others.
Regards,
[redacted]