Reviews

Review Details

• Review fromDebra S.

  Date: 02/15/2024

  5 stars
  This company has helped me tremendously by helping me reduce my credit card debts! Thank you to ******, who originally got me started, and just reached out to me to help with two other debts I have incurred. Hopefully I will soon be debt free with the help of APFSC!

• Review fromEdgelean M

  Date: 10/05/2023

  5 stars
  Thank you for all your help. Im very glad I found you when I went way over my head with death. I truly thank you ??????

• Review fromJohn M

  Date: 08/18/2023

  5 stars
  Did what we agreed upon. 1.9% rate. Paid off 2 credit cards. did an auto withdrawal. very helpfull.

• Review fromJeffrey R

  Date: 07/31/2023

  5 stars
  Impressed. *******, customer service rep, is fantastic. Respectful, kind, caring, understanding and a true professional. This makes my experience w/ APFSC phenomenal.

• Review fromDiana S

  Date: 07/19/2023

  1 star
  APFSC made a contract with me to pay off a second credit card by 5.27.2023. To date, 7.19.2023, this company has NOT paid my card balance, charged me new fees anyway, and caused me to get a late payment charged to my credit card. Of the two phone numbers in the contract, neither of them will connect (I've tried for the past 3 weeks). What has happened to this "reputable" company, and why am I being screwed?? My only option is to stop pay to them.

• Review fromJennifer K

  Date: 07/19/2023

  1 star
  This company has two cards listed on my debt reduction portfolio that should not be. I originally entered into credit counseling with ******** last August (2022). In September of 22, before all the creditors had responded one way or another to their proposals, I began paying them $327 a month through automatic withdrawal. I informed Meredian by email September 15 2022 that *********** rejected the proposal, and asked when the recurring withdrawal would be updated to remove the cards not in the program. Mercury Mastercard also rejected their proposal. APFSC bought the servicing of my debt. I have 8 different cards in their debt relief program, and the 6 cards that accepted the program have greatly reduced interest rates, smaller payments due monthly, and I no longer have use of the cards. The two cards that rejected the plan continue at 27 to 33% interest, continue at the pre debt relief payment level, and I continue to have use of them. I called APFSC last month and was told of Mercury Mastercard, "it says here they accepted the plan". (They did NOT, obviously. I am attaching my June card statement.) He said "it says here *********** has you on an internal payment plan". They sure do, it's called monthly billing. See attached June statement. If APFSC would remove these two cards that are not in their program, it would drop my APFSC monthly withdrawal by $40, and I could pay these card statements in a different pay period, or using a different bank account, which would be helpful. Right now APFSC pays a partial payment on the *********** card and the Mercury card, and that is supposed to be the entire amount due. It is not, shown by the payment shown being made by APFSC compared to the billing statements. All I want are the $22 and $19 monthly charges for these 2 cards removed from my recurring withdrawal. I do not dispute the fees outlined in the contract or the cards that are legitimately in the relief program. 3 messages in the client portal have been ignored.

• Review fromJamie C

  Date: 06/22/2023

  1 star

  Jamie C

  Date: 06/22/2023

  This company scammed my husband into a intrest reduction on one of his credit cards. I called the cc company and was told it was a scam. Now we have to report the scam to everyone. Help!
  

  American Pacific Financial Services Corp (APFSC)

  Date: 06/29/2023

  In response to your review, we are a legitimate DMP provider and approved with *********** to offer this program since 2017. This program is not available to the public and *********** customer service representatives do not have authority to offer it directly to cardholders. You in fact have to qualify for this assistance. You may contact a supervisor directly at ********************** for further verification and assistance. We ask that you verify the facts before filing a false review.

• Review fromJulie G

  Date: 05/11/2023

  5 stars
  I am soo thankful and happy to pay off these debts I would still be paying on these for years to come without this program .

• Review fromDiana B T

  Date: 04/21/2023

  5 stars

  Diana B T

  Date: 04/21/2023

  Excellent company to work with and Im grateful to have found them in a trying time of life! I highly recommend this service and am pleased for their support!??????
  

  American Pacific Financial Services Corp (APFSC)

  Date: 04/28/2023

  Thank you *****, We are so happy that we are able to help in becoming debt free!

• Review fromDiane U A

  Date: 04/20/2023

  5 stars

  Diane U A

  Date: 04/20/2023

  These people contacted me when I was diligently trying to pay down my debt. They noticed and offered me a great interest rate. They have been very easy to deal with and the loan process was simple. Today, I paid off my debt and ** truly happy!
  

  American Pacific Financial Services Corp (APFSC)

  Date: 04/28/2023

  *****, We are so please to be able to assist in getting you debt free! CONGRATULATIONS!!