Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/19/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They guys are predators. They residentially lie to you up front and make false claims like you will see your credit score start to organically increase within 3-6 months of being in the program completely false. They also dont allow you to speak with the attorney that is supposedly negotiating these debts for you. This is due to the fact that they arent actually doing anything but sitting around until your debts all start getting charged off and your credit report is screwed for the next 7 years. They also will engage in predatory finance practices. The Forth group that takes payments has double charged me at times, made blatant lies that the refund will process within 3 business days. However they dont actually ever refund your extra payment. Be very weary if this organization. Youre better off negotiating with your creditors directly as these guys lie about many things. Cant trust attorneys unfortunately.

  

  Business Response

  Date: 01/19/2024

  Dear BBB:
  
  **************** hired our firm to negotiate and settle approximately $20,000 of his unsecured debt in June of 2023. Since then, he has made 4 successful deposits to his set aside savings account.  Despite missed deposits, our firm has still placed over 25% of his enrolled debt under settlement. Prior to being hired by ****************, we explained to him (verbally and in writing) that there would be a negative impact on his credit and that credit is not our focus.  Our goal in debt settlement is to get our clients out of debt in the quickest, most cost effective manner possible.  Our clients can speak with their attorney about their debt settlement representation at any time, subject to the attorneys schedule.  Based on our file notes, it appears that one of our supervisors spoke to **************** immediately after he filed his complaint with the BBB and addressed his concern. Should **************** have any other concerns, we would appreciate his calling us to address them.  Thank you,
  
  Guardian Litigation Group

  Customer Answer

  Date: 01/23/2024

  Unfortunately they are lying about the deposits. They recently settle only 1 debt (after 5 months of doing nothing). I accepted the settlement. They collected around $1500 in fees and paid $225 for the settlement. My deposit payment to them is 325 each month. How $325x4=1300 and I was informed I still have a $50 balance in the account. So obviously they are lying and Ive made more than 4 deposits. That alone tells you everything you need to know. They also made a claim they had a chase settlement for me, but have sent me nothing. Probably because they wont do anything until they can drain your account to pay them fees. They arent interested in getting you out of debt, they only work when they can collect a bunch of fees from you. 

  

  Business Response

  Date: 01/24/2024

  Dear BBB:
  
  We appreciate the opportunity to respond to **************** once more.  He has made 4 deposits which totaled up to $1629.50.  One of the 4 successful deposits was for an increased amount.  Eight (8) scheduled deposits were returned due to NSF.  The Chase settlement **************** mentioned was relayed to him and we are waiting on his approval to move forward with it.  Should **************** have any other concerns, we would ask that he contact us and ask to speak with a Team Lead.  Thank you,
  
  Guardian Litigation Group

  Customer Answer

  Date: 01/24/2024

  So in other words they have received all funds Im required to pay in. Its very unfortunate to continue to see false statements. No one from Guardian Litigated has attempted to contact me over the past 48 hours for the chase settlement. 

• Initial Complaint

  Date:01/13/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My complaint is with the Guardian Litigation Group.-I signed a contract with them that they would be an in between and reduce my debt with American Express.-I have paid them on time for the last nine months -they have not settled any of my debts -and I have just received a summons collection action from ********************* -I was served in front of my children -I have been in constant contact with Guardian Litigation Group. They have assured me that they were coming to a resolution with ***************** which has now turned out to be false and fraudulent.-I would like to someone to help me out to understand who they are and what they are doing with my $11,000 of money that they have collected from me and have been doing nothing.

  

  Business Response

  Date: 01/15/2024

  Dear BBB:
  
  We appreciate the opportunity to respond to ****************** complaint.  He hired our firm in April of 2023 to negotiate and settle approximately $60,000 in unsecured debt.  Unfortunately, during the months of April through December, ****************** did not maintain consistent communication with us. During the course of our contact with his creditors, we discovered that ****************** was making regular monthly payments on at least 1 of the 4 accounts he had hired us to settle.  Our program is designed for those who are unable to make payments to their creditors because they are in financial hardship and this creditor refused to discuss settlement.  Furthermore, he did not return the documentation we had requested to communicate with 2 of his creditors until December.  We have resent him the document we need for his 4th creditor.  In the meantime, please ask ****************** to contact us and send in all pages of the complaint he was served with ASAP so that his attorney can appear on his behalf.  We are already in communication with that creditors attorney.  Thank you,
  
  Guardian Litigation Group

• Initial Complaint

  Date:01/05/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  12/27/23 I made a payment of ******* for estate planning with ************************* from Guardian Litigation and a scheduled appointment for January 5, 2023 @10am to go over the documents to have notarized. No one has responded to my appointment, phone calls, and their phone line does not work anymore. No one has responded to my email either. It's hard not to believe this is fraud. I want my money back for services that where not completed.

  

  Business Response

  Date: 01/10/2024

  We appreciate your time and attention to this matter. ****** has successfully addressed the concerns raised, and we consider the complaint resolved. If you could kindly respond to this message to confirm and **** the issue as resolved, we would be grateful.
  

  Thank you,
  

  Guardian Litigation Group

  Customer Answer

  Date: 01/10/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I retract my complaint. Issue has been resolved. 
  Regards,
  
  *******************
  
   
  

• Initial Complaint

  Date:12/11/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I started this program in August of 2022 as a way to help me manage the stress of my debts. I am not proud of how much in debt I became, however, I was a single mom trying to take care of all the necessities my son and I needed to survive. I was aware there would be fees from the services Guardian provided. But unless you fully read all the pages of the contract thoroughly, they do not tell you when agreeing over the phone the fine print. 27% of the ORIGINAL debt for each account entered is what their fees are. Trying to terminate my contract with them has been nothing short of a nightmare. I requested to terminate my contract 2 days shy of a month today. My final payment for fees were taken out of my checking account today and they withdrew the amount I was paying monthly, which I did not authorize. I authorized a smaller payment to cover the fees I owed, less the balance of my escrow account. This payment was also the 2nd time I authorized the smaller amount to be taken. I first authorized the payment on December 1. But the payment was never taken. I called and asked why this was and they said they need to make additional changes to my account to withdraw the correct amount. I asked to make sure the $504.21 was not taken out of my account and it would only be the $390.97. I made sure to only have this amount in my checking account to cover the fee. However, they withdrew more than was authorized, which also resulted in my checking account to be negative. I have talked to countless account managers and I have to go over everything with them again and again and again. Ive been told they are only able to provide a paper check as a refund and I have to trust the check will come and it will be in good standing.

  

  Business Response

  Date: 12/12/2023

  Dear BBB:
  
  We appreciate the opportunity to respond to Ms. ****** concerns.  We are pleased that we were able to settle 4 of her enrolled debts, showing a substantial savings of the amount she owed.  A supervisor called her twice, prior to her contacting the BBB, but was unable to make contact and has not received a return call as of this writing.  To rectify the withdrawal of the incorrect amount, we will be compensating ************** for any overdraft fees she incurs.  Please ask that she return our supervisors call. 

  Thank you,
  
  Guardian Litigation Group

• Initial Complaint

  Date:11/25/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had canceled out the program to pay off my creditors after paying off three of the four they promised to clear up. The three creditors were paid off in may of 2022, but they have continued to receive payments from my bank account. When I ask for paperwork or emails from them to show my account activities they give excuses why they cant right now, but continue to ask for payments from my bank.

  

  Business Response

  Date: 11/27/2023

  Dear BBB,
  
  Thank you for the opportunity to respond. We are pleased that we were able to successfully settle Mr.******** debts.  Mr. ******** debts had not been settled in full until just recently (not in May 2022 that was the time that some settlement payments began).  We have already initiated our quality control review of all creditor payments and ****************** has been sent complete accounting statements from his set aside savings account. Unfortunately, he was having some challenges accessing his savings account statements online.  We ask that he contact us and ask to speak with a manager or supervisor if he should have any questions or encounter any difficulty opening or understanding his account statements. Thank you,
  
  Guardian Litigation Group
  

  Customer Answer

  Date: 11/27/2023

  they have not given me any information about my account, even though I requested information about the activity of my account. They also told me over the phone that they would reimburse me for three $30.00 over draft fees that I RECEIVED BECAUSE THEY ASKED THE **** FOR PAYMENTS AFTER I had cancelled out the program.

  

  Business Response

  Date: 02/19/2024

  Dear BBB:
  
  My Neylands concerns have been addressed.  We have settled all of his debts in accordance with his agreement, and his end results were better than our original projections.  An overage refund in his set aside savings account was returned to him via check.  We reached out to him to review this with him recently but were unable to make contact.  Today, a supervisor will be reaching out to him again to confirm.  

  Thank you,
  
  Guardian Litigation Group

• Initial Complaint

  Date:11/22/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been working with this firm since January to settle my debts , so far its been an absolute nightmare. Been 11 months and they are not able to settle and now coming and asking me for more money. No concern for customer and they do not care . Its a lie that they say they will settle in 90 days . Its been 11 months and nothing . They took the money upfront and now coming back and saying I am short some money to settle . When I asked what happened to my $27K, got generic response that I have to call them , which is a big fat joke . When you call , you are transferred to 10people who have no idea whats happening and they rude . They say negotiators are working , really ????? For 11 months ? My health is affected now and I am stuck without settling .

  

  Business Response

  Date: 11/23/2023

  Dear BBB:
  
  We appreciate the opportunity to respond to Ms. *********** concerns. As of the date of this writing, we are pleased to confirm that we have obtained agreeable settlements on all her debts.  She engaged our firm to negotiate and settle her debts over the course of a 48-month estimated program term and was approved for a debt settlement acceleration loan to speed up completion.  Today, we completed negotiations of the last 2 debts and are waiting for receipt of settlement letters to finalize the payments to the creditors. We do need to wait for those letters to arrive before we can make the settlement payments. To avoid any miscommunication, we ask that ************************ contact **************** rather than communicating through a third party. We are confident she will be pleased with the results!  Thank you,
  
  Guardian Litigation Group

  Customer Answer

  Date: 11/23/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *********************************
  
   
  

• Initial Complaint

  Date:10/25/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company has been an absolute nightmare to deal with. I have been trying to arrange for a withdrawal from my checking account into my account with ********************, so that they can make my next two payments to a creditor. I have been trying to do this for the past three weeks, with absolutely no success. On Oct 3, they sent me a form to fill out and send back, which I did. Still, the withdrawal did not occur. I called several times and keep having to re-explain the entire situation to the many different account representatives. Last Wednesday, October 18, a gentlemen recorded my agreement to remove the funds on Friday, Oct. 20, which still didn't occur. I called again and did ANOTHER recording and the money should have been taken out today but it hasn't. My payment to my creditor is due tomorrow and I have also sent several email explaining the urgent nature of this situation. Not making this payment will further damage my credit and may even be cause for the creditor to break the original agreement. This case needs intervention because I am very frustrated and worried. Thank you in advance for your time and consideration.

  

  Business Response

  Date: 10/27/2023

  Dear BBB:
  
  Thank you for the opportunity to respond and clarify.  Unfortunately, ******************** set aside savings account administrator has had issues accessing her authorization recordings and allowing the draft to process in a timely manner.  This is not something that we can control.  However, we can confirm that this will have no impact on the existing settlement that she is concerned with and her requested deposit is already in a pending status.  Our supervisory personnel have already made attempts to reach ****************** and convey this to her.  We ask that ****************** take our call today so that we can explain this to her in more detail.  Thank you for your attention.
  
  Guardian Litigation Group

• Initial Complaint

  Date:10/23/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  TRYING TO SEND NOTICE OF RIGHT OF RECISSION - within 3 BUSINESS DAYS - GIVEN 4 FAX #s that DO NOT WORK - BEING UNETHICAL AND GIVING ME RUN AROUND - NO VAILD FAX TO SEND THE NOTICE TOO... HOW TO CANCEL? As written " To cancel this transaction mail or delivery signed copy by telegram within 3 business dayys" FAX ************ Does not work called ******* - she said NO HONEY - THIS IS OUR FAX # ********** DID NOT WORK EITHER.UNETHICAL BS

  

  Business Response

  Date: 10/23/2023

  Dear BBB,
  
  We do not know why Mr. ****** fax machine is stating that our fax numbers do not work (we have several, and both numbers he mentioned are operational) but we did receive all the notices of cancelation that he sent over.  We would also like to note that Mr. ***** called our office less than an hour ago and was verbally informed that his cancelation was already being processed.  He was also sent a text message confirming same. Thank you,
  
  Guardian Litigation Group

• Initial Complaint

  Date:10/22/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I asked to cancel my account with ********************** over a month ago. They stopped the payments from being taken out of my account but I still havent received the money back that was already deposited with them. They called me last week to again confirm that I wanted to cancel and I said yes that I wanted to cancel my contract and that I needed the money released back to me that Ive already sent to them. Im just extremely frustrated with this company and I still havent received any cancellation notice from them or have been told when I can expect my money to be returned. I need this money back asap so I can make payments on my credit cards that have late fees on them now. I dont know what else to do so here I am.

  

  Business Response

  Date: 10/23/2023

  Hi ****, we are very sorry about the delay in processing your cancelation request. It appears that your first call was not flagged correctly due to a software glitch, triggering follow up calls to you in order to confirm the closure of your account. When we were not immediately able to confirm your cancelation, the withdrawal of funds was delayed. We have corrected that and directed Forth Pay to return the balance of your account immediately.

  Thank you,
  

  Guardian Litigation Group

  Customer Answer

  Date: 10/24/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***************************
  
   
  

• Initial Complaint

  Date:10/15/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My credit card accounts were charging high interest rates and I was only able to pay minimum monthly payments. I received a debt consolidation letter in August 2022 but it was not from Guardian Lit. I thought maybe I could call this company and get rid of my five credit card debts. The contract I signed was with Guardian Litigation Group. They settled the smallest account I had and is in the process of settling a second. I have low monthly income and was being charged $274 per month to fund my deposit account with ******************** Lit a two year contract to pay off my debt with a current balance of $1,000. A family member of mine could not believe the contingency payment percentage that Guardian Litigation is charging when they settle one of my accounts. My family member told me to call Guardian Litigation and get a payoff amount to pay off all of my remaining accounts. They were calling every month and asking for larger payments to add to my account to pay my accounts off sooner. I asked them what one-time payment amount could I pay to settle my remaining 3 accounts quickly so I wasnt continually be charged late fees from my remaining 3 creditors. Guardian Lit. requested a payment close to $5,000. They said that they would settle the 3 accounts and I would get a refund. I made this payment in August and it is October. On October 3, I returned a call from Guardian Lit. and the person I spoke to said they would contact the negotiators for my 3 accounts and get the settlements as soon as possible. I returned a call from Guardian Litigation again last week. They said the $274 that was being debited from my checking account would end and that no additional monthly payments would be required. Strange thing is, that was discussed when I made the deposit payment in August. No one had noted that in my account. I was told last week that the creditors of my 3 remaining accounts had not even been contacted for a settlement! WTF! I dont know what to do so I filed a complaint.

  

  Business Response

  Date: 10/16/2023

  Dear BBB:
  
  We appreciate this opportunity to respond to Ms. ***** complaint.  By way of background, our firm was hired to negotiate and settle approximately $9000 of Ms. ***** unsecured debt.  To date, we have already settled nearly 40% of that debts.  The additional funds that Ms. **** deposited to her set aside savings account became available at the beginning of September and no additional deposits have been debited from Ms. ***** checking account.  Furthermore, we have already initiated negotiations on all her remaining unsettled debts.  Unfortunately, certain creditors require additional time to process the documentation that we send them.  When working with some of the larger creditors, we are often required to send different documentation from one department to another until it is correctly processed.  Ms. ***** our commitment to getting you out of debt has not changed. Please bear with us while we work to get your remaining accounts settled. If you are at all unhappy or dissatisfied throughout the process, please ask to speak with a supervisor.  Thank you,
  
  Guardian Litigation Group

  Customer Answer

  Date: 10/16/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***************************
  
   
  

  Customer Answer

  Date: 10/23/2023

  I filed a complaint recently regarding the process and phone calls that I have received from Guardian Litigation Group. I got a call from a supervisor from Guardian Litigation Group last week after I filed my complaint apologizing for the inconsistency in the calls I was getting from the account managers. I asked if I could get my calls from a supervisor each time since she had the correct and updated information on my account and she said no. That being a supervisor, they dont want to be on the phone all day. Wow OK. I got a call from Guardian Litigation Group on Friday and returned their call today. The person I spoke to brought up the issue about my monthly drafts and I thought that was resolved in August and was assured by the supervisor that I spoke to last week not to worry about the drafts. It seems like all they care about is more drafts. WHY? I am not happy doing business with this company anymore and I want my draft of $4,795.66 that I made on August 25, 2023 to be refunded to me immediately. There is enough in my deposit account with Forth to cover my current settlement with Chase.

  

  Business Response

  Date: 10/23/2023

  Hello *********,
  
  As mentioned in our previous response, we have already negotiated settlements on 2 of your 3 remaining debts and are waiting for the offers to be received in writing.  Please bear with us while we finalize them.  Regarding the call you received about the drafts, this did not apply to you.  Unfortunately, your file was placed in a status that notifies us to contact you because no deposits are being made.  We are sorry that ***** informed you that she cannot follow up with you on each call, but we are happy to assign your file to a highly experienced account manager while we complete the settlement of your remaining debts.  We have also already initiated contact with Affirm and are working on that account also.  If you have any other questions, please contact us.  You can also feel free to message us here, but please allow some time for the delay of communication through a 3rd party.  Thank you,
  
  Guardian Litigation Group

  Customer Answer

  Date: 10/25/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***************************
  
   
  

  Customer Answer

  Date: 11/15/2023

  A Guardian Litigation Group supervisor, *********, followed up with me after my last complaint. I told here that I wanted to payoff all accounts as soon as possible. A payoff amount for my Chase account ending in **** was settled for $1,443.00. But in my Forth deposit fund portal, where Guardian Litigation makes the settled payoff payments, $2,017.11 is listed as my ********** payoff amount. $2,017.11 is the total payoff amount for my two *********** accounts. My *********** Quick Silver account ending in **** was settled for $1,642.08 and my *********** Walmart card ending in **** was settled for $375.03 which totals $2,017.11. I received two text messages asking me to accept these payoff amounts so that Guardian Lit could proceed with the payments. I of course accepted. I contacted Forth online portal as I was concerned with the numbers being documented wrong and asked about a couple other Chase payments that were made that did not make any sense to me. Ive heard nothing. Then last Thursday 11/09/2023, I got a message from *********, the supervisor at Guardian Litigation and she said that she had an update for me. I missed the call and when I called back, the account manager was argumentative about the numbers. For 20 minutes! He said he would take some notes, but I told him that my concerns were documented in the Forth client portal and were sent as three messages and that he didnt need to take notes. I called today and asked For *********, the supervisor. The account manager was rude and said she was busy and would call me right back. Ive heard nothing. Guardian Litigation are holding $1,458.08 of my remaining available balance after all payoffs were made. The numbers in my Forth portal need to be corrected and the remaining funds need to be refunded to me as soon as possible.

  

  Business Response

  Date: 11/16/2023

  Dear BBB,
  
  Thank you for the opportunity to respond to Ms. **** once more. We are pleased that our firm settled all of Ms. ***** debts in accordance with her agreement.  Unfortunately, Ms. **** left a message for ********* when she was out of the office.  We asked that she bear with us while we confirmed her creditor settlement payments had cleared the settlement payment account.  We could not see Forths employee notes in our system, which necessitated our representative taking detailed notes of her concerns. We are sorry that one of our other supervisors was not allowed the opportunity to address her call.
  
  As of this writing, we can confirm that all of Ms. ***** creditor payments were made as agreed and we have scheduled a withdrawal of her savings account balance, after payment of all settlements and our earned performance fees, in the amount of $292.09. This withdrawal will be sent to her via physical check from Forth Pay within **** business days.
  
  Regarding Ms. ***** comments about her Forth Pay portal online, she is confusing her enrolled balance with Chase with the combined settlement amounts of her *********** accounts.  It is purely a coincidence that the settlement amounts of her 2 *********** accounts add up to the same amount.  *************** have any other questions, we ask that she call us and ask to speak to the next available supervisor.  Thank you for your attention.