Complaints

This profile includes complaints for Provident Solutions's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Provident Solutions

  11622 El Camino Real Ste 100 San Diego, CA 92130-2051

• 

  Provident Solutions

  9265 County Road 627 Dexter, MO 63841-8740

• 

  Provident Solutions

  325 E Business Us Highway 60 Dexter, MO 63841-1223

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:01/08/2025

  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.

  Provident Solutions took $400 a month from my check in order to assist in debt relief, and no credit cards have been paid off, except the ones I did, but there were more that have not been paid. Why would I pay them $400 a month to NOT pay any? Of course that is why you use a "debt relief" company. To help with your debt. No help was given and no refund or money seen to me or credit card. Once I contact my lawyer I will see how many others are taken advantage of and scammed.

  Business Response

  Date: 01/09/2025

  This client completed a Quality Control call and knew exactly what the program could provide.  She was told that her payments were fees and understood at the time of enrollment.   She also acknowledge that negative things that could happen by enrolling and not paying her creditors.  She gave her complete understanding of the program.  She had a negative result on one enrolled debt and is being provided a refund on that debt.    As to the $30,000 we have no clue where she came up with such a number it certainly was not what she paid.  We have already reached out to the client about the debt to be refunded and she has signed a release for that debt.

• Initial Complaint

  Date:07/26/2023

  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.

  This company I hired their service for debts settlement and I paid them three or more years regularly and they didnt settle a single account as per our contract i went to court by myself and settle my debts in their attorney through the court not with them so I cancelled my contract with them and ask their account department to send me money back. The department confirmed that I received payment on few days still waiting till date today I called them and they said I didnt file refund in thirty days which they wrong I did called and filled on time so please help me to get my money back from them if possible I really appreciate.Thanks ************************* ********** ********************

  Business Response

  Date: 08/08/2023

  The client enrolled into the program on October 19, 2021.  At that time the client signed an agreement and completed a Quality Control Call to ensure the client understood the services we render.  During the quality control call the client was asked a series of questions, one of them being, Do you understand Provident Solutions is not a debt consolidation, debt settlement company or credit restoration company and that we are not attorneys nor are we attorney backed?, to which the client answered YES. The client was also asked, Do you understand Provident Solutions DOES NOT pay off your alleged creditors with the funds that you pay, rather those funds go directly to our fees?, again the client answered YES.  The client was then sent a Welcome letter to read at their own leisure. Over the course of the program we prepared and sent out 18 documents on accounts enrolled and the client was spoken to monthly. In specific circumstances clients are due a refund, for this clients case he fell under this category and was already sent a document that require his attention.We have resent it to the client and tried to reach out. 

• Initial Complaint

  Date:06/01/2023

  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.

  Beginning in late 2019, I started paying this business a monthly fee of $300+ because I was **** and they promised debt relief. Nothing has been relieved despite the exorbitant amount of money theyve been given. I still receive letters, digital correspondence, and legal summons from credit card companies and have no idea what Ive paid for. **************** is a nightmare and I dont know what else to do besides close my bank account so they can no longer auto draft.

  Business Response

  Date: 06/05/2023

  This client was enrolled with us.  As we agreed to do we sent 13 sets of documents for this client.
  
  The client however did not stick to their agreement and made only 8 full payments as agreed and paid approximately 33 payments as minimum partial payments.   When the client was asked to make a full payment after almost 3 years of partial payments she dropped the program.   As far as the client issues with customer services she never had a problem reaching ** to say she was unable to pay and reduce her draft.
  The entire time we worked with this customer she was provided full service although she paid 1/3 rd to 1/6 th of her full payment amount for 3 years.  
  
  The clients issue arose when asked for a full payment after almost 3 years of partials. Instead of being thankful for our continued services she would rather complain.  Unfortunately we are unable to change her mind that it was she who did not abide by the agreement. 
  
  

• Initial Complaint

  Date:06/01/2023

  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.

  Ive been paying Provident Solutions since 2019 due to my own ignorance and their manipulation. In the past FOUR years, theyve done nothing but take an exorbitant amount of money from me while I still receive correspondence and legal action from credit card companies. Their customer service is a nightmare and Im so upset that I fell for this scam.

  Business Response

  Date: 06/05/2023

  This client was enrolled with us.  As we agreed to do we sent 13 sets of documents for this client.
  
  The client however did not stick to their agreement and made only 8 full payments as agreed and paid approximately 33 payments as minimum partial payments.   When the client was asked to make a full payment after almost 3 years of partial payments she dropped the program.   As far as the client issues with customer services she never had a problem reaching ** to say she was unable to pay and reduce her draft.
  The entire time we worked with this customer she was provided full service although she paid 1/3 rd to 1/6 th of her full payment amount for 3 years.  
  
  The clients issue arose when asked for a full payment after almost 3 years of partials. Instead of being thankful for our continued services she would rather complain.  Unfortunately we are unable to change her mind that it was she who did not abide by the agreement. 
  

• Initial Complaint

  Date:02/28/2023

  Type:Billing 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 began paying Provident Solutions $381.60 per month in Feb. of 2022. They stated they would assist in resolving my debt of four accounts. I followed their instructions to send all correspondence from these accounts to them, assuring me they were sending documentation in response to their attempts to collect the debt. In January 2023 I received a summons for a lawsuit from FNBO in the amount of $5892.38. Original balance was *******. In February 2023 I received another summons for two more Discover accounts to pay $15,125.05, original balance ********. All three accounts incurring late fees due. I did ask Discover if they have received any documentation from Provident, their response was one letter to cease and desist. I have had to settle myself with these creditors and now owe their balances. There is one account remaining with Provident, ***** Fargo. I contacted them on my own in the hopes of avoiding another lawsuit. They stated they have NO documentation from Provident Solutions. I am on a very limited fixed income of Social Security and 3 months remaining from my retirement account @ $300./month. I contacted Provident to ask that the most recent payment be refunded since the Discover accounts are removed from their service. Also requested ***** Fargo be removed as a settlement is in process between myself and the creditor. A fee should be credited from that account as well but an email was sent on 2/27/23 from Provident that they closed my account. At this point I do believe all funds should be refunded as the services were not performed as promised, however as this is not likely the refunded amount for the remaining account is definitely due. At this point they probably will not accept my calls or emails as they say they have closed my account. This is grossly incompetent as the last account remaining is due as I reached a settlement before they filed a lawsuit.

  Business Response

  Date: 03/02/2023

  We called the client and emailed her to address the complaint. She was able to return our call, we did come to a resolution and consider this matter resolved. 

  Customer Answer

  Date: 03/03/2023

  While I am grateful that they agreed to refund from the ***** Fargo account, I still believe that the $381.60 I have paid them every month since February 2022 should also be refunded. Provident only sent one document to Discover to cease and desist. As a result I was sued by them and FNBO. There was no communication between Provident and the creditors other than the one document. I paid $4579.20 in total to them. I believe since I have to pay back all of these creditors that I should be refunded the amount paid in total minus the amounts already refunded. As I stated, I am a 70 year old woman receiving Social Security in the amount of $1207. per month and $300.00 per month from my retirement that will be depleted in the next couple of months. I still have these creditors to pay off now plus routine monthly bills for utilities, food, gas, phone, garbage service, etc. Once the $300.00/month runs out it will be even more difficult. Bottom line, Provident took all of those payments without performing their promised services. Every time I sent them communications from the creditors I thought they were sending them proper documents to avoid what has happened.

  Business Response

  Date: 03/16/2023

  We have spoken to the client directly and resolved the issue.

  Customer Answer

  Date: 03/17/2023

  
  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:01/19/2023

  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.

  Date should be in uploaded files.Should be third week in April of 2022.I paid them $386 per month until I contacted them to switch banks and inquired of all I needed to do on my end and I did. They never processed to withdraw funds after that. When I made about *********************************************************************************************************************************************************************************** and said they never heard anything from them when trying to call customer service waited over 40 minutes on phone and was hung up on twice. Now they are telling me I have no refund. Finally received three emails in one day informing me that my contact was cancelled

  Business Response

  Date: 01/27/2023

  The client enrolled into the program on May 31, 2022.  At that time the client signed an agreement and completed a Quality Control Call to ensure the client understood the services we render.  During the quality control call the client was asked a series of questions, one of them being, Do you understand Provident Solutions is not a debt consolidation, debt settlement company or credit restoration company and that we are not attorneys nor are we attorney backed?, to which the client answered YES. The client was also asked, Do you understand Provident Solutions DOES NOT pay off your alleged creditors with the funds that you pay, rather those funds go directly to our fees?, again the client answered YES.  The client was then sent a Welcome letter to read at their leisure. Over the past 6 months we prepared and sent out 7  documents on accounts enrolled and the client was spoken to monthly.  We did work on the clients account and asking for all her money back when services were rendered is not something the company can entertain.  The client was active here for seven months and only made 3 whole payments into the program and one half payment. An accounting review reflects the last payment was in September, we attempted to reach out to the client several times.  The clients account is closed due to no payment and she was emailed this information. It was only then she called in asking for her refund and decided to communicate with us. There is no refund due to the client, her account is closed here and we have waived the remaining fees the client did not pay for the work already completed. 
  

• Initial Complaint

  Date:11/01/2022

  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.

  Provident Solutions contacted me regarding debt consolidation. They told me I qualified for a covid hardship and they would be able to consolidate all my debt as well as settle on a lesser debt for each of my creditors. I was told my ****** in debt was talked down and settled to around ******. All I would have to do is make monthly payments to them and they would disperse the payments. This started in June of 2022. I have been making payments to them monthly. 1 week ago I was serviced with a summons that 1 of my creditors is sueing me in lake county court house for the original amount of debt and claiming no payments have been made.. I called provident solutions employee ************************* for 1 week and emailed him what is happening. I received no response, nothing for over a week. I finally faxed in the Court Summons and the company called me and told me there is nothing they can do. I'm on my own and they would lower my monthly payment. I asked them why they havent dispersed my funds and they said they are not a credit consolidation. I am paying them for a service to argue my bills. I am furious. I was lied too, stolen from and now they are telling me that is not the case. they want me to sign a contract saying I relinquish them from that creditor and I refuse. I want all my money back. All my creditors are coming after me and I'm going to get liens put on my house. Shame on this scab company. not even accredited on the BBB, with tons of complaints

  Business Response

  Date: 11/30/2022

  The client enrolled into the program on June 27, 2022.  At that time the client signed an agreement and completed a Quality Control Call to ensure the client understood the services we render.  During the quality control call the client was asked a series of questions, one of them being, Do you understand Provident Solutions is not a debt consolidation, debt settlement company or credit restoration company and that we are not attorneys nor are we attorney backed?, to which the client answered YES. The client was also asked, Do you understand Provident Solutions DOES NOT pay off your alleged creditors with the funds that you pay, rather those funds go directly to our fees?, again the client answered YES.  The client was then sent a Welcome letter for them to read at their own leisure. Over the next 5 months we prepared and sent out 7  documents on accounts enrolled and the client was spoken to monthly.  We did complete work on the clients account and asking for all her money back when services were rendered here is not something the company can entertain.  In specific circumstances clients are due a refund, for this clients case she fell under this category. The client was sent a document that requires her attention to receive this refund.  We have reached out to the client as well as resent the document that requires her attention. The client is cancelled here and should she wish to speak with us directly she can Monday- Friday 7 am 5 pm pacific Standard Time.
  
  Provident Solutions
  
  PH: **************
  FX: **************
  Email: ****************************

  Customer Answer

  Date: 11/30/2022

  All lies. Never agreed to that. Not what I was told by *************************. I want all my money back. You did nothing. Im getting sued by 3 of the accounts. I want my money back. I want access to records from my account. How dare you! Your running under false pretenses as well as where your company is from and where it is run. Don't worry, I have a lawyer. Im not the first ***** your company has deceived and embezzled from.

  Business Response

  Date: 12/05/2022

  We do not agree with statements made by the client and are unaware of an attorney, if we receive such a notification we will be happy to provide support of our services.   We do a welcome call to ensure a client has complete understanding at the time of enrollment and she acknowledged her understanding.   All attempts are made to make sure the client has a complete understanding of what the program entails.  If a client claims to understand and later claims they didnt we have the contract and qc call to support the clients previous understanding. 

  Customer Answer

  Date: 12/16/2022

  oh I understand alright. I was lied to and manipulated. I was told by ************************* that this was a government program and the people i was talking to meaning you people from whatever company this is, was the government and they were validating my debt and would be working with creditors to get the interest reduced and instead of making payments to them I would make them to you and you would disperse my payments over the next three years. I was also told that my monthly payment would go down after the first year.  ************************* also told me never to call them because they never would call you back. ***** said Deal with him if I had a problem.  Well when I get a problem and I mean a big problem.  I'm getting sued by one of my creditors because your company told them they would make payments and never did??????? Why in the h*** would I ever sign up for a scam like this. You say I'm paying you for a service. Where the h*** is my service.  You lied to all my creditors.  You screwed up my credit worse. You caught me at a bad time in my life when I was very upset about my credit situation and your representative ************************* is a lieing piece of s*** who by the way did not return any of my call or emails ever????? And this nut job company doesn't answer their phone ?????? I had to spend ***** dollars to fax them my summons to court and they say they can't help me, they have no lawyers in my area. Im on my own. Listen if you have no lawyers in my area then you can't service me. You have no business taking my money under false pretenses. I want it all back. Your thieves and liars.  Shame on you???? You know better. How many others are there like me who got scammed. This is not your first complaint.  Also, why shut down my access to my records on my account???? What are you trying to hide. I want my money back thieves, liars. Shame,shame shame

• Initial Complaint

  Date:08/17/2022

  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.

  sept ****************************************** with my credit card bills, I paid ****** a month for them to help me, they have done nothing, I got papers to go to court-discover card is suing me, I got that resolved, I want my money back because they did nothing for me, they offered ****** back out of ******* I paid them!? I had to take an early retirement becuz of health issues, and I could really use this money that they took from me and did nothing for me. *************************

  Business Response

  Date: 08/22/2022

  The client enrolled into the program on September 23, 2021. At that time the client signed an agreement and completed a Quality Control Call to ensure the client understood the services we render.  During the quality control call the client was asked a series of questions, one of them being, Do you understand that although we will start with elimination if that means is not successful we will move your debts to Resolution which could result in additional funds paid to the creditor?, to which the client answered YES. The client was also asked, Do you understand that collection efforts may continue until you are 100% complete with our program?, again the client answered YES.  The client was then sent a Welcome letter for them to read at their leisure.  Over the following thirteen months we prepared and sent out 22 documents on accounts enrolled and the client was spoken to monthly.  We did complete work on the clients account and asking for all her money back when services were rendered is not something the company can entertain. In specific circumstances clients are due a refund, for this clients case she fell under this category. The client has documents that require her attention to move forward with receiving those refunds. The client is cancelled here. Should she wish to speak with us directly she can Monday- Friday 7 am 5 pm pacific Standard Time.

• Initial Complaint

  Date:07/27/2022

  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.

  I was paying this company $308/month to take care of my credit card accounts.No payments have been made on their behalf. I have contacted them every week, at least three times a week, I have yet been contacted back or had a response. They have been taking the 308/monthly but my credit cards accounts do not reflect any payments made according to my recent billing statements. I have read many reviews on this company and they have been found to being a scam. I am attaching photos of my credit card statements as evidence that this company has not made a single payment and have been accumulating an extensive amount of late fees due to non payments.

  Business Response

  Date: 08/08/2022

  The client enrolled into the program on October 11, 2021.  At that time the client signed an agreement and completed a Quality Control Call to ensure the client understood the services we render.  During the quality control call the client was asked a series of questions, one of them being, Do you understand Provident Solutions is not a debt consolidation, debt settlement company or credit restoration company and that we are not attorneys nor are we attorney backed?, to which the client answered YES. The client was also asked, Do you understand Provident Solutions DOES NOT pay off your alleged creditors with the funds that you pay, rather those funds go directly to our fees?, again the client answered YES.  The client was then sent a Welcome letter for them to read at their own leisure.  Over the following ten months we prepared and sent out 7 documents on accounts enrolled and the client was spoken to monthly.  We did complete work on the clients account and asking for all her money back when services were rendered here is not something the company can entertain.  We have reached out to the client via phone as well as email asking her to call in the client has not answered our calls or returned them. The client is cancelled here and should she wish to speak with us directly she can Monday- Friday 7 am 5 pm pacific Standard Time.