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:08/10/2023

  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.

  It&#**;s a scam where H3131343631**33323632H promising me that my credit score would be improved which I ended up being sued 3 times by different companies. I ended up paying $2,700.00 and I thought that H3131343631**33323632H was helping me with this. It was garnished from my paycheck. My credit score went downhill. It is basically a scam. I would like a refund.

  Business Response

  Date: 09/15/2023

  We have attempted to communicate with this client in order to resolve their issues. We would like to connect with this client in order to do so and continue helping. Please contact your Account Manager at your earliest convenience.

• Initial Complaint

  Date:07/26/2023

  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 signed a contract with Elite in May or July of 2021. Similar to others, I was told they would provide me a loan and use my payments to that loan to help to settle my debt at lower amounts negotiating late fees and interest accrued. After 24 months, I have paid $9,888. I signed a contract with Elite in May or June of 2021. I was told that all the money that I was paying was being put into an account, that they would later use to try to settle my debt at lower amounts negotiating late fees and interest accrued. I spoke with **** my account manager and explained my concerns because ***** had not been settled after 2 years. My account manager said, ***** rarely settles debts. I spoke to her about using the funds to pay ***** and she said that was their service fee. She said they watch my account monthly but do not make any payments, and said we are only paying for their services not to resolve our debt. I explained that in the beginning, she told me that my money was going into an account to be used to settle, but she denied this in our last conversation. They said that all calls are recorded, for quality service and training purposes, so I am asking you to please hear my initial phone call conversations because I wrote down what she told me and I know I am being lied to. I just want my money back so that I can use that money to pay off ***** so I do not end up getting sued. I regret ever listening to this company and its false strategies to lure people into their program under false pretenses. After reading all of their reviews, it looks like this is the most common issue this company has. I would like a full refund of $9,888 which is what I have paid into this fake program to date. I basically paid them $10,000 for them to tell me not to pay my debt and ruin my credit. Honestly, I would be happy with half of that because I feel so stupid to be conned into this fraud.

  Business Response

  Date: 07/27/2023

   

  We have spoken with the client, and the clients complaint has been resolved.

  Customer Answer

  Date: 07/27/2023

  The solution that was offered was that they will continue to assist me.

  They reported that they'll let their superiors know that I did not read my contract thoroughly. Although the contract claims they provide ********************* Services and this article on Yahoo Finance claims, "a good company will negotiate with your lenders and debt collectors and establish manageable repayment plans that will fit into your current financial situation." Apparently, they are not a good company. They are misleading and unethical. 

  They also claimed I could have canceled my services, but not *********** a refund unless a 3rd party is able to fully verify and validate one of my enrolled accounts, and only *********** a prorated refund. What does that even mean?! What 3rd party is going to fully verify and validate my enrolled accounts. 

  Lastly, they stated I'm not *********** a refund because I negotiated my debt settlement myself. It seems Elite should be paying me back for negotiating the settlement myself. I still feel *********** a partial refund because they were not able to successful provide ********************* Services in the 2 years. In fact, quite the opposite happened. I got into more debt. I feel there should be a clause stating that if they cannot successfully negotiate a settlement of some sorts with a creditor, the client should be provided a refund. 

  Reference: from ***********************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************)   
  

  Business Response

  Date: 10/19/2023

  We were able to speak with this client to address her concerns. We are happy to say that this has been resolved and we are continuing to provide the service that will help her reach financial freedom. 

• Initial Complaint

  Date:06/09/2023

  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 was convinced by the account manager that I would be protected by a federal law and this program was better then filing bankruptcy if I signed an agreement to allow Elite DMS to handle these creditors my wife had just passed away of 25 years and I agreed to do it They told me to stop paying on these accounts I would pay Elite DMS over a 2 year period of $593.93 every month starting May 3, 2021. I made those payments faithfully I made my final payment in April of 2023. I was told at the end of the 2 year period all of my financial debts/creditors would be resolved and that if I did hear from any creditors after that time just to call and they would take care of any problems that might arise. I received a court summons/citations; I was freaking out I was being sued I've never been sued so I contacted Elite DMS immediately. They said if I went on the client portal and signed the document to discharge the account from **********************, I would receive a refund I received about $900 but now I still have to pay this debt of over ***** that they told me in the beginning to stop paying on ************ received from me $14,254.32 over the 2 years and did nothing this company is a sham that takes people hard earn money. I don't have the money to get a lawyer all I can do now is pray and trust God that he will make a way if only I would have knew what I know now I would never have agreed to this company Elite DMS ************ has all of the supporting document

  Business Response

  Date: 10/19/2023

  We have attempted to contact the client multiple times in June, with no success. We have referred the clients summons to our legal department and will continue to service his accounts. However, we do need to speak on the phone. We will continue to attempt to contact this client to address his concerns.

   

  Customer Answer

  Date: 10/19/2023

  I do not accept the response made by the business to resolve this complaint at the end of the day this company operates under false pretenses and rips hard working Americans out of their money I just want all of my money back and then this can be resolved period. 

  Business Response

  Date: 11/08/2023

  We have been able to speak with the client. Client was under the impression that we will no longer be of any assistance to him once he graduated from the program. We assured the client that we are still here to provide the service he signed up for. We are continuing to work with the client.

• Initial Complaint

  Date:05/23/2023

  Type:Product 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.

  Money was taken off my card I didn't approve the transaction.on 05/21/2023 the amount of $226. was withdrawn from my card at a ***** ***********

  Business Response

  Date: 05/24/2023

  This does not appear to be a client of ours. We can not find him by name, email nor phone number in our system. We also double checked the amount and do not see any charges to any client for $226 on 5/21/2023. Please provide additional information, possibly a ***client, or anything else we can review in our system. It is also possible that we are not the company that charged him. We would also ask that this complaint is removed since it does not seem to pertain to our company. Thank you. 

• Initial Complaint

  Date:04/25/2023

  Type:Sales and Advertising 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 was a client for elite dms since 2020. I paid monthly payments of $300 and was supposed to have my debt taken care of. Throughout the years nothing got done, just monthly phone calls from elite dms and credit score dropping and debt growing from interest charges. I finally had to file bankruptcy. After going over my finances and payments, my bankruptcy lawyer saw that Elite DMS was collecting money illegally since I am based in ****** and they are based in ********** according yo ****** law.

  Business Response

  Date: 04/26/2023

  We are surprised to receive this complaint as the client canceled out of our program over a year ago and we have not received any contact since. When she left the program it was to pursue BK in hopes of this avoiding losing a security clearance at work. Throughout her time in our program we provided the services as detailed in the contract and there did not seem to be any concerns from the client, even upon cancellation. We were working with her on budgeting to ensure she would get out of debt, plus her credit score had increased over 50pts. All of our services fall within state and federal laws so the final claim is incorrect. 

  Customer Answer

  Date: 04/26/2023

  According to ****** Law, it is illegal for your business to collect based on ****** Revused Statutes Chapter 443B. 

  Myself canceling for whatever reason is irrelevant.

  CContracts, dates, etc is all irrelevant as initial actions from Elite DMS is illegal in ******.

  I have been advised by my attorney to get my money back. If Elite DMS refuses to return my money then I will handle this through the courts with my attorney as he has all the information ***** account from ********************** and required company information. 

   

   

  Business Response

  Date: 05/03/2023

  The referenced statute applies to ******************** Elite is not a Collection Agency.

• Initial Complaint

  Date:02/03/2023

  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.

  Why is it that when my file states a debt has been fully disputed yet I am being sued for the debt that is owed. I was told to stop paying on these debts as they work to dispute the debt. Does this mean every single one of my debts will come back with a summons even though they all show fully disputed?! I am back at square one drowning in debt. The money that I have paid for services seemed to go absolutely nowhere.

  Business Response

  Date: 02/08/2023

  We were able to speak with this client to address her concerns. We are happy to say that this has been resolved and we will continue working with the client to reach financial freedom. 

• Initial Complaint

  Date:01/12/2023

  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 with this company on 04/24/2019 to dispute/resolve debt intitially totaling in the amount of $13,009.00, in which I paid this company $5,531.97 to do so. Of this debt two loans in the amount of $5,993.00 and $1,478.00 were successfully disputed/resolved. It is now nearly 4 years later (I was told it would take less than 2), and there still is a debt of $5,538 not resolved on my credit. On March 5th of 2020, I was fully trusting in this company since they had disputed/resolved two of my debts thus far. I contacted **** and asked her if they would be able to dispute/resolve an additional debt of $14,428.71 and if so if I could add it into the agreement. I was told they could. The balance of this debt continues to rise each month from interest and now has a balance of $21,170. I was charged by this company an additional $4,994.24 to resolve this debt that they obviously have not done. That is a total of $10,526.21 that I paid this company in full to dispute a debt totaling initially $27,437.71, and as of today of that debt only $7,471 has been successfully resolved. I spoke to Idra every month for the first 2.5 years or so, she was friendly, personable and with that gained even more of my trust, but after months of asking why the debt hadn't been resolved and her telling me "just a few more months" every time I become more assertive with requesting a real explanation or if anything a time frame. The beginning of 2022 I told her I was looking at buying a home and would need this debt resolved asap, she then told me that I should count on being able to buy a home more towards the end of the year/ beginning of 2023 implying that this debt would be resolved by then.

  Business Response

  Date: 01/16/2023

  We are in contact with this client regarding the program as well as guidance on the home loan. We look forward to resolving the complaint.

• Initial Complaint

  Date:12/28/2022

  Type:Product 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 have been in Elites Program for over 2 years. I have contacted them to cancel my service and asked for a refund on 12/19/22.I have not received any correspondence from them and have tried to call but no one has answered. The company was supposed to be working on negating my debt but has yet to do so and I could not afford to pay them any longer. I can not login to their website to see anything now. I have spent thousands of dollars with them and want my money refunded. All they did was call me every month, ask how my savings were and that they were still waiting to hear back from my creditors.

  Business Response

  Date: 12/30/2022

  We are sorry to hear the client is dissatisfied with the service. We have begun disputes on accounts and provided financial guidance per the service agreement. We have also been very responsive to all calls and although we show no record of the client contacting us on 12/19, we reached out to the client on that day via email, text and phone call (3:30pm, 3:32pm and 3:35pm PST respectively). We do show two calls from the client on 12/28 to which we responded with a text and phone call on the same day. We again contacted the client on 12/30 via call and text. If there is a different number at which should be reaching the client, please let us know so we can resolve the complaint.

• Initial Complaint

  Date:09/23/2022

  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.

  First, a lady that processes loans asked me to get into this program in order to get a better credit rating. I was buried in debt by the time, and she suggested that they were going to dispute all of my accounts and also said that my credit rating was going to go up because of a dispute being deleted, furthermore ***** would call me every month and he would say that if an account wouldnt get resolved then they would end up paying or negotiating the debt and so that made me sign up for elite. After 14 months, I have paid i to them more than $5000 and nothing has happened, in fact, these people have stolen our money and we need it back, because no service was accomplished. They said that they were going to put the money aside so that they could respond to negotiate that with the ones that were not negotiable and now we are being sued by ******** and theyre saying that I have to hire a lawyer that they offer, which is ridiculous. We need our money back as nothing was accomplished and in fact, our debt is deeper and we have to negotiate it directly without needing you are using you because you did nothing. Everything is a lie.

  Business Response

  Date: 09/27/2022

  We are sorry to hear that the client did not have a good experience. We do not provide debt settlement services nor do we claim to do so. If we are unable to resolve a debt we do not charge the client for that debt and we will refer the client for legal services to get it resolved. We are actively working on resolution with this client.  

• Initial Complaint

  Date:08/24/2022

  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.

  I have been paying money to Elite DMS for more than a year now to settle some debts. The company has told me each time we have spoken that they are working on it and waiting to hear back from the creditors. It doesnt take that long to hear back from a creditor. This company also dropped two of my debts from their consolidation program and suggested I pay an attorney through them to make a settlement. I did and it resulted in me losing more money and accumulating more debt. I would like a share of my money back to pay my debts myself. I have several documents if needed.

  Business Response

  Date: 08/30/2022

  We do not settle, adjust or modify debt and have made no claims that we do. That being said, we did resolve this to the consumers satisfaction.