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Dear Revdex.com,National Debt Relief is a nationally recognized debt relief provider primarily devoted to average consumers who have fallen into financial difficulty with their creditors Over the years, our commitment to our clients and our principles have allowed us to grow and become an industry leader in helping consumers get their life back When we received [redacted] ***’s correspondence, we conducted a careful and comprehensive review.On October *, 2015, [redacted] decided to take control of her financial circumstances and enroll in one of the debt relief programs we recommend Part of the screening process in deciding what program to recommend includes, among other things, obtaining the consumer’s banking information The reason for obtaining clients’ banking information is to assist them in establishing a savings account for their program The client will utilize this dedicated savings account throughout their program to save funds, pay their creditors, and, when appropriate, to pay our fee for services rendered In order to properly set up this savings account, the consumer must provide their primary bank account and routing number [redacted] provided her banking information during the enrollment process but, shortly thereafter, the financial institution sent a notification regarding an error in linking with her primary bank account As [redacted] stated in her correspondence, we reached out to her to confirm that the account and routing information she provided were correct She then provided the same account and routing numbers and we resubmitted it, but the same linking issue persisted Unfortunately, numerous attempts to contact [redacted] were unsuccessful Indeed, we made several attempts via telephone and e-mail.It was later discovered that the “account number” which she had provided was actually her debit card number, and not a bank account number This was the reason why the two accounts were not linking properly Unfortunately, if the link between the consumer’s primary bank account and the savings account is not functional, neither is the debt relief program itself [redacted] eventually contacted us in February and we were able to explain that the financial institution needed her bank account number, not debit card number However, [redacted] then informed us that she decided to withdraw from her program because she was no longer interestedNeedless to say, we were disappointed to have missed the opportunity to provide [redacted] with our services, especially where it was due to a simple miscommunication Undoubtedly, this matter could have easily been rectified by a quick review had we been able to contact [redacted] sooner Therefore, our offer to help her achieve the goal of debt freedom still stands and we sincerely hope that she has a change of heart In any event, we wish her the very best luck in the future Yours Truly, Alex K [redacted] National Debt Relief

Dear Revdex.com,Thank you for forwarding [redacted] ’s correspondence to National Debt Relief’s attention We’re writing to inform you that we’ve been in communication with [redacted] and her son and have provided them with all of the information they’ve requested Specifically, we’ve provided them with written copies of all activities and transactions related to [redacted] ’s file, including interactions with her creditors, payments made to her creditors pursuant to settlements we’ve reached for her, a record of the debt reductions we’ve obtained, and a detailed breakdown of our fees As per [redacted] ’s request, we also spent some time on the phone with her son to answer all of his questions to ensure that he and [redacted] are clear on the documentation and explanations we provided.National Debt Relief is pleased to say that [redacted] and her son have expressed to us their satisfaction with our explanations and the swift manner in which we addressed their concerns We are also proud to inform the Revdex.com that [redacted] will be remaining a National Debt Relief client We will continue to do our best in helping her achieve her goal of debt freedom! Thank you once againYours Truly, Alex K [redacted] National Debt Relief

Thank you for bringing [redacted] ***’s matter to National Debt Relief’s attention We at National Debt Relief consistently strive to offer and provide quality service to each and every consumer with whom we speak Upon receiving notice of [redacted] ***’s concerns, we immediately conducted a careful and comprehensive internal investigationOur investigation of this matter involved searches of our telephone and e-mail records (incoming and outgoing), and examining our software database for [redacted] ***’s name and possible variations of her name All of our inquiries yielded no results for any historical activity related to [redacted] *** Indeed, [redacted] ***’s name and contact information first came to our attention when we were notified of her complaint by the Revdex.com Therefore, National Debt Relief has concluded that [redacted] ***’s harassing phone calls were made by another company or person She explains in her correspondence that she was a victim of identity theft where her “number was fraudulently entered on a website, which later sold the number to various telemarketers.” National Debt Relief does not purchase consumers’ contact information from any third parties Instead, we advertise our debt-relief services on the internet where consumers are invited to visit our website, www.nationaldebtrelief.com, and request a “Free Debt Relief Quote” Once we receive the request, one of our certified debt specialists reaches out to the consumer to explain our services and answer any questions they may have Had [redacted] ***’s contact information been submitted on our website we would have a record of it In this instance, however, we've found nothing at allOver the years National Debt Relief has worked hard to become one of the leading debt relief providers in America Being a consumer-debt-focused service, our reputation depends on understanding consumers’ needs and expectations, which begins at the front door Therefore, we give every potential client the same level of care and courtesy that we give our existing clients Unfortunately, though, [redacted] ***’s contact information was never submitted to National Debt Relief and so we did not have the opportunity to provide her with our services We wish her the very best of luck in the future and she has our assurance that we will honor her request and not contact her.Sincerely, [redacted] [redacted]

Dear [redacted] ***, Thank you for your reply Needless to say, National Debt Relief understands your frustrations and desire for peace of mind We apologize if we did not clearly communicate the full extent of our internal investigation When we performed our inquiry, we searched our database for all of your information, which the Revdex.com had provided to us within the body of your initial correspondence Specifically, we performed individual searches of the following items: your name ( [redacted] ***) with possible spelling variations, your phone number (*** [redacted] ), your address ( [redacted] ***), and your e-mail address ( [redacted] ) Also, though your correspondence indicated as the date of occurrence, we did not limit the timeframe of the search; meaning, we would have detected your information regardless of when it entered our system Unfortunately, it yielded no resultsYou had also expressed your feeling that a deceitful party may have attempted to hijack National Debt Relief’s good name for their own benefit Given the thoroughness of our internal investigation and its “findings”, we share your suspicion National Debt Relief has worked tirelessly over the years to earn our reputation for integrity and dependability Unfortunately, it’s not uncommon for predatory entities to pose as well-known, reputable companies to attain short-term financial gains Indeed, we have formally notified the Revdex.com of such activity in the past, as we have a reputation to preserve We, therefore, invite you to provide us with the phone numbers from which you were called so that we may have the opportunity to confront them directly or to report this matter to the appropriate authorities Please also feel free to contact National Debt Relief directly – our contact information can be found on our website, www.nationaldebtrelief.com.Yours Truly, [redacted]

Thank you for forwarding to National Debt Relief [redacted] reply We understand his desire for clarification and we apologize if we initially did not communicate the extent of our review clearlyNational Debt Relief is widely recognized for our excellent customer service, and we’re proud of this recognition It is true, as [redacted] has stated, that numerous telephone calls were made in an attempt to reach him However, this was simply for the purpose of following up regarding his application, not to harass or disturb him in any way As we explained, we’ve carefully investigated this matter, which included a review of call logs (inbound and outbound) and listening to recorded telephone conversations The last telephone call to or from [redacted] number was on March *, where [redacted] called in and spoke to one of our representatives, Tangela He informed her that he’d been receiving numerous calls and requested for his phone number to be removed from our database Tangela stated that she will immediately notify the appropriate person to remove [redacted] number She also politely stated, “ [redacted] ***” Since that conversation, there have been no more calls made to or from [redacted] .National Debt Relief once again extends assurances to [redacted] that his contact information has been removed from our system and that no more calls will be made to him in the future We sincerely hope that this correspondence alleviates his concerns moving forward Thank You, Alex K [redacted] National Debt Relief

Dear Revdex.com, Thank you for bringing [redacted] matter to National Debt Relief’s attention National Debt Relief consistently strives to provide quality service to each and every consumer Upon receiving notice of [redacted] concerns, we immediately conducted a careful and comprehensive internal investigation.Our investigation of this matter involved searches of our telephone and e-mail records (incoming and outgoing), and examining our software database Specifically, we performed searches of the following information, as it appears in his Revdex.com correspondence: [redacted] name (with possible spelling variations), phone number, address, and e-mail address Also, though his correspondence indicated that was the date of occurrence, we did not limit the time frame of our searches All of our inquiries yielded no results for any historical activity related to [redacted] ***We have now concluded that [redacted] harassing phone calls must have been made by another company or person, attempting to utilize National Debt Relief’s good name for their own gain Indeed, we have formally notified the Revdex.com of such activity in the past, as we have a reputation to preserve Over the years National Debt Relief has worked hard to become one of the leading debt relief providers in America We, therefore, invite [redacted] to provide us with the phone numbers from which he was called so that we may have the opportunity to report this matter to the appropriate authorities If he so wishes, he may contact National Debt Relief directly – our contact information can be found on our website, [redacted] We wish [redacted] the very best of luck in the future and he has our assurance that we will honor his request and not contact him.Yours Truly, Alex K [redacted] National Debt Relief

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 and the matter has been resolvedI elect to have this remain a private non public matter of resolutionPlease send me the require forms to select this complaint to remain private and not publicly made available Sincerely, [redacted]

Thank you for conveying [redacted] ***’s correspondence to National Debt Relief’s attention As a debt-relief provider, our mission is to help consumers navigate through rough financial waters Our clients rely on us during stressful times and, therefore, we give all of their matters the attention they deserve When we received notice of [redacted] ***’s matter, we addressed it immediately[redacted] was a client of ours for approximately two years, enrolling in July 2013, until he recently decided to tender his cancellation Like all of our clients, he enrolled in our debt-resolution program to achieve debt freedom at the pace he could afford As with any service provider, we cannot give any guarantees but we do our very best We’re also a purely performance-based company, which means we don’t charge our clients any fees unless and until we obtain a settlement for them National Debt Relief is fully-compliant under the [redacted] ’s Telemarketing Sales Rule (“TSR”) which prohibits debt-settlement providers from collecting any fees prior to settling or otherwise resolving a consumer’s debt During the two years that [redacted] was our client, we successfully negotiated and settled five (5) of his debts through our program, thereby earning our fees for each respective settlement National Debt Relief will sometimes defer our collection of fees as a tactic which has proven to help our clients afford subsequent settlement opportunities sooner rather than later In the instance that [redacted] references in his correspondence, we delayed receiving our fee until a later time When [redacted] notified us of his decision to cancel from our program, though, we went ahead and collected the earned fees that we had previously deferred We did not collect the entire amount due, however, since [redacted] did not have adequate funds at the timeAdditionally, [redacted] stated in his complaint that he believed one of his accounts was already settled but that he was later informed by the creditor that he still had an outstanding balance A review of [redacted] ***’s file confirmed that, at the time of his cancellation, he still owed one remaining payment to complete that settlement Unfortunately, [redacted] failed to make that last payment after he cancelled from our program and, therefore, now has a remaining balanceNeedless to say, National Debt Relief is disappointed to lose [redacted] as a client He was a good client of ours and it would have been great to help him achieve the financial goals he set forth almost two years ago In consideration of this, National Debt Relief would like to offer [redacted] a waiver of the remaining fees due (which are relatively small), as well as a partial fee-refund to enable him to make the final payment on his remaining account We sincerely hope that he will find this to be a satisfactory offer and, however he may decide, we wish him only the very best in his future endeavorsSincerely, [redacted] National Debt Relief

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 and the matter has been resolved I will will forward the numbers from which I received telemarketing calls directly to National Debt Relief Sincerely, [redacted] ***

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 and the matter has been resolved Sincerely, [redacted] ***

Dear Revdex.com, Thank you for bringing [redacted] ’s matter to National Debt Relief’s attention National Debt Relief consistently strives to provide quality service to each and every consumer Upon receiving notice of [redacted] ’s concerns, we immediately conducted a careful and comprehensive internal investigation Our review of this matter involved searches of our telephone and e-mail records (incoming and outgoing), and examining our software database Specifically, we performed searches of the following information as it appears in her Revdex.com correspondence: [redacted] ’s name (with possible spelling variations), phone number, address, and e-mail address [redacted] ’s correspondence to the Revdex.com did not indicate the dates or times when she received the unwanted calls so we did not limit the time frame in our searches All of our inquiries yielded no results for any historical activity related to [redacted] National Debt Relief utilizes state-of-the-art software in all of our operations and our IT specialists are highly trained If a consumer’s name, phone number, or e-mail had passed through our systems in the past, it would have been detected – in [redacted] ’s instance, however, it was not It’s also important to note that [redacted] listed her address in her Revdex.com complaint as South Carolina, which is a state where National Debt Relief does not currently offer our services We have, therefore, concluded that [redacted] ’s harassing phone calls must have been made by another company or person, attempting to utilize National Debt Relief’s good name for their own gain Indeed, we have formally notified the Revdex.com of such activity in the past, as we have a reputation to preserve Over the years National Debt Relief has worked hard to become one of the leading debt relief providers in America Therefore, we invite [redacted] to provide us with the phone numbers from which she was called so that we may have the opportunity to report this matter to the appropriate authorities If she so wishes, she may contact National Debt Relief directly – our contact information can be found on our website, www.nationaldebtrelief.com We wish [redacted] the very best of luck in the future and she has our assurance that we will honor her request and not contact her for any reason Sincerely, National Debt Relief

Dear Revdex.com, National Debt Relief is a professional debt resolution provider helping consumers across America get out of debt We at National Debt Relief consistently strive to offer top quality services to each and every consumer with whom we speak Upon receiving notice of *** [redacted] concerns, we’ve conducted a thorough reviewOn December **, 2015, [redacted] contacted National Debt Relief via our website, [redacted] , requesting information about our debt relief programs One of our certified debt specialists immediately responded to [redacted] request via telephone and provided him with a professional consultation The debt specialist answered all of [redacted] questions and led him through our pre-approval process When an interested consumer is pre-approved by a debt specialist, they are instantly forwarded to our underwriting department for a multi-tiered analysis of their current financial circumstances A careful investigation into recorded telephone conversations with [redacted] show that, during the underwriting phase, his enrollment was declined due to some information in his application that needed clarification In response, the underwriter placed [redacted] file in “follow up” status hoping that, with more information, his application can be resubmitted and, ultimately, approved When a file is tagged as a “follow up”, a reminder is created in our system so that team members can reach back out to the consumer for additional information Unfortunately, numerous attempts to reach [redacted] were unsuccessful Indeed, our telephone logs show that no one was able to reach him until he later called back and stated that he was no longer interested in our services It was at that time that he requested for his contact information to be removed from our database Our records show that the team member whom he spoke with complied immediatelyNational Debt Relief can confirm that there have been no calls made ever since and, therefore, we consider this matter to be closed We sincerely hope this matter has not caused [redacted] significant inconvenience and we wish him the very best luck in the future Yours Truly, Alex K [redacted] National Debt Relief

Dear Revdex.com, Thank you for bringing [redacted] ’s matter to National Debt Relief’s attention We’ve taken the time to review her file together, answer all of her questions, and provide clarification on each of the points she raised To briefly summarize, there was some confusion on *** [redacted] ’s part regarding certain aspects of our service, such as how our fees are structured We earn our settlement fee once a consumer approves a settlement offer that we obtain from a creditor, and the consumer makes their first payment to the creditor per that settlement The $that [redacted] mentioned in her correspondence was a portion of our fee for settling one of her debts Though we earned our fee in full, we were glad to extend her a small courtesy in the form of a $refund In fact, we had sent her the refund even before she submitted her correspondence to the Revdex.com After speaking with our office, [redacted] has expressed her satisfaction with the attention we gave this matter and the courtesy we extended to her National Debt Relief is happy to confirm that this matter has been resolved amicably Should you have any further questions, please do not hesitate to let us knowYours Truly, National Debt Relief

Revdex.com:I filed this complaint yesterday in errorAs my file had been transferred to another company to assist me and I was not awareThis complaint is in error, incorrect and my fault as I was not patient to hear from the transfer company regarding my situationThank you I have reviewed the response made by the business in reference to complaint ID [redacted] , Sincerely, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because:National Debt Relief offered me $to make my complaint to the Revdex.com privateI based my decision to use National Debt Relief on the reviews and rating on the Revdex.com website and to know that they offer people money to make their complaints private is an incredibly unethical business practice Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: I don't believe that it was another business acting as if they were Natl' Debt Relief Anyone can say that In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted] ***

Dear BBB, Thank you for bringing [redacted] s matter to National Debt Relief’s attention. We’ve taken the time to review her file together, answer her questions, and provide some clarification. To briefly summarize, there was some confusion on [redacted] s part regarding how our... fees were structured. During [redacted] s enrollment in National Debt Relief’s program, we successfully obtained settlements with three creditors at 45%, 47%, and 48% balance reductions. According to [redacted] s client agreement, our settlement fee is considered fully earned once she (1) approves a settlement offer that we obtain from a creditor and (2) makes her first payment to the creditor. That is, if a settlement with the creditor entails just one payment then our fee is earned once the consumer makes that one payment. By the same token, if the consumer approves a settlement involving multiple payments over an extended period, our fee is also earned once the first payment to the creditor is made. When we reviewed [redacted] s file with her, she expressed her belief that we incorrectly billed our fee for the third account we settled because it was not fully paid off yet – that charging our fee after the first creditor payment was premature. (The prior two settlements only required one payment to be completed.) We recently spent some time on the telephone with [redacted] clarifying how our fee is structured, including that this information is also contained in her client agreement. [redacted] appreciated our clarification and the attention we gave this matter. As an added courtesy, we also extended [redacted] a small refund for the last account we settled. National Debt Relief is happy to confirm that this matter has been resolved amicably. Should you have any further questions, please do not hesitate to let us know. Yours Truly, National Debt Relief

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 and the matter has been resolved Sincerely, [redacted]

Dear Revdex.com, Thank you for forwarding *** ***’s correspondence to our attention. National Debt Relief is a nationally-recognized leader in providing consumers with top-quality professional debt negotiations. We take consumer’s concerns very seriously, especially when it’s a
client or former client. When we received notice of *** ***’s matter, we performed a detailed review Since receiving this correspondence, we have made several attempts to reach *** *** via telephone and e-mail in an effort to provide her with clarification and solutions that are acceptable to her. Unfortunately, we have been unsuccessful in reaching her thus far. We will continue to reach out to her over the next week. *** *** is also invited to contact Arthur K*** at our operations department at ###-###-#### or *** In the event that we’re unable to reach her in the next week, we will then submit an additional, substantive response. Thank you again and we look forward to a successful resolution. Sincerely, National Debt Relief

National Debt Relief is always committed to providing consumers with the highest level of customer service possible. When we received notice of *** ***’s correspondence, we addressed it immediately*** *** initially enrolled as a National Debt Relief client in
February She resided in California at that time. In April 2015, *** *** notified us that she was moving to Australia. Just a few weeks ago she provided us with her new, Australian phone number and requested a “local contact number” to reach us since toll-free numbers are not reachable from outside of the United States Being that when she moved to Australia all communications with *** *** were exclusively via e-mail, there was an apparent misunderstanding that she was requesting a local number for National Debt Relief in AustraliaThere is, of course, no international phone number for National Debt Relief. Virtually all of our clients reside within the United States and so our toll free number, ###-###-####, is the only number that we generally provide Given *** ***’s unique situation and that she’s been a wonderful National Debt Relief client since February 2014, we’ve extended a small accommodation and provided her with a local New York phone number that she can call from Australia. We’ve already spoken with her several times since then, so we can confirm that telephone communication to and from Australia is no longer an issue. National Debt Relief looks forward to continue servicing *** *** until we help her attain the goal of getting over her consumer debts, even from Down Under! Sincerely,*** ***
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