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:06/28/2025

  Type:Sales and Advertising 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 repeatedly received calls my phone has flagged as spam. Each time it is a different phone number claiming to be coastal debt solutions. I have included a few screenshots from the voicemail inbox on my phone. I had never heard of the company until the spam calls began. I want to be removed from their call list.

  

  Business Response

  Date: 06/30/2025

  Dear Ms. ******************** you for taking the time to notify us of your concerns. We understand how frustrating and intrusive unwanted calls can be, and we sincerely regret any inconvenience this situation has caused.
  
  After reviewing the information you provided, we were unable to locate any record of contact with you in our internal systems. Our company, Coastal Debt Resolve, is not affiliated with Coastal **************, which appears to be the entity referenced in your complaint and the voicemails you received. Unfortunately, this is not the first time weve encountered confusion stemming from the similarity between our company names.
  
  Although we have no indication that our organization attempted to contact you, we have proactively added your information to our internal Do Not Call list to ensure that you are not contacted by us in the future.
  
  We regret that we cannot control the actions of unaffiliated entities, but for your convenience, you may consider contacting Coastal Debt Solutions directly regarding your request.
  
  Based on publicly available information, their contact details are:
  Website: ***********************************************
  Phone: **************
  
  We appreciate your bringing this matter to our attention and wish you a prompt resolution.
  Sincerely,
  Coastal Debt Resolve Team

  Customer Answer

  Date: 07/04/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Thank you for letting me know they are different, as you are the only company that is returned with a search for "Coastal Debt Solutions" online.
  
  Sincerely,
  
  ********* ******

• Initial Complaint

  Date:06/24/2025

  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.

  My business has received daily calls from different numbers each day, from Cam from Coastal Debt. Our company has no debt. I have asked them to stop harassing employees. They never leave a message. As the owner of the company, you have no right to harass my employees. You should cease when asked by the staff. Please refrain from calling from a different number the next day and from hanging up when they request that you remove our number from your list and not contact us again.

  

  Business Response

  Date: 06/25/2025

  Dear *******,
  
  Thank you for bringing this matter to our attention. We understand how frustrating and disruptive unwanted calls can be, and we sincerely apologize for the inconvenience youve experienced.
  
  While we are currently reviewing this issue internally, please be assured that your phone number has already been added to our internal Do Not Call list to help prevent any future outreach.Coastal Debt Resolve is committed to responsible communication practices and strictly adheres to all applicable laws and industry standards.
  
  We take these concerns seriously and appreciate your feedback, which helps us continue to improve our processes.If you have any additional details to share or if theres anything further we can do to assist, please dont hesitate to contact us directly at ************ or *****************************************************************.
  
  Thank you again for your time and for giving us the opportunity to address this matter.
  
  Sincerely,
  Coastal Debt Resolve Team

• Initial Complaint

  Date:06/24/2025

  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 went to coastal debt. They said they could help me work out settlements with 2 of my high interest loans. They sent me a total i would pay them and I'm return they would get settlements I paid them the amount requested and they only settled 1 a count and said they needed more money. I'm not paying them more because that is an exorbitant amount from what they initially told me attached is my plan and I've already paid 6000 dollars more than their plan

  

  Business Response

  Date: 06/25/2025

  Dear Mr. ******************* you for bringing your concerns to our attention. We take all client feedback seriously and appreciate the opportunity to address your complaint.
  
  Upon reviewing your file, we note that upon enrollment in our program, your business experienced a substantial reduction in weekly debt obligationsspecifically, a decrease of approximately 60%, from $2,987 per week to $1,222.89. This adjustment was intended to provide immediate and critical cash flow relief during your businesss financial hardship.
  
  In addition, we successfully negotiated and finalized a settlement with one of your two creditors, which reflected a favorable outcome for your business. With respect to the second account, we made recommendations and presented a settlement strategy tailored to your situation. However, we understand that you elected not to proceed with the plan we proposed and subsequently chose to discontinue participation in the program before a resolution could be finalized.
  
  While we regret that the outcome did not fully meet your expectations, the services we renderedincluding account management, creditor negotiations, and the settlement achievedwere delivered in good faith and in accordance with the scope of your agreement. Accordingly, and after careful review, we must respectfully decline your request for a billing adjustment.
  
  Should you wish to further discuss the matter or explore alternative resolutions, we welcome the opportunity to speak with you directly. Please feel free to contact your former account representative or our ************************** at your convenience.
  
  We sincerely wish you the best in your future endeavors.
  
  Sincerely,
  Coastal Debt Resolve
  
  
  
  

  Customer Answer

  Date: 06/25/2025

   
  Complaint: 23512469
  
  I am rejecting this response because: in our original agreement that was sent to me by your representative it clearly shows my debt as being 35000

  A retainer fee of 3500

  Dispensation fee of 7000

  bringing the amount i paid to you 27584.91

  yes you lowered the monthly payment but we're supposed to negotiate these debts

  after paying nearly ***** i finally put pressure for you to negotiate and you settled one for around 6800.00

  then wanted me to pay more over our agreement to settle the other one.  I wasnt going to keep paying and you guys idea of a settlement was full price to that lender.  That is about 22000.00

  which leaves you guys taking way more money than agreed. 

  you said i wouldn't accept and closed my account under my protest and refunded me a little over 9000.00

  where is the rest of my money?

  you're taking a lot more in fees than what this agreement shows. I want my money refunded fully except for the one settlement or i want you to take that money and settle the other debt for that agreed price like you said you would. 

  I would be happy to show the BBB my bank records showing your debits out of my account too !

  
  
  Sincerely,
  
  **** *****

  

  Business Response

  Date: 06/30/2025

  Dear Mr. ******************* you for your follow-up. We understand your concerns and appreciate the opportunity to further clarify the matter.
  
  As previously stated, the funds contributed were allocated in accordance with the written terms of the enrollment agreement, which you received and acknowledged upon entering the program. These terms detail the retainer, dispensation structure, and fee schedules associated with negotiated settlements. Any request for additional funding was not for further company retainer or dispensation fees, but rather to fund a potential settlement with your businesss remaining enrolled creditoran effort made in good faith to resolve the outstanding obligations and secure your businesss long-term financial relief.
  
  We respectfully disagree with your characterization of the services provided. During your time in the program, we successfully reduced your businesss weekly debt obligations by approximately 60%, freeing up essential working capital during a financially challenging time for your business. Additionally, we negotiated and finalized a settlement on one of your accountsan outcome that, on its own, reflects tangible value from your participation.
  
  Following your request to discontinue participation, a refund of unused funds held in the account was promptly issued. The specific apportionment of those funds, including settlement disbursements and service fees, was documented and available for your review at any time. Should you wish to better understand how those funds were applied, we welcome you to contact your former account representative, who remains available to assist with any remaining questions.
  
  We are committed to transparency and client satisfaction, and while we regret that your experience did not meet your expectations, we are confident that the services rendered were consistent with your agreement and conducted in a professional and good-faith manner.
  
  At this time, we consider the matter resolved, though we remain available to you should you choose to reengage with your representative for further clarification. We wish you all the best in your future financial efforts.
  
  Sincerely,
  Coastal Debt Resolve Team
  
  
  
  
  

  Customer Answer

  Date: 06/30/2025

   
  Complaint: 23512469
  
  I am rejecting this response because:
  Coastal debt resolve misrepresented the terms to me when this payment plan was established.  I did not agree to the extended payments past what was given to me on the previous documentation sent.  They keep saying they lowered my payment but the entire idea was to pay them a certain amount sent in documentation in the previous response and they would settle my balances.

  Furthermore i did not request to end my program , coastal debt resolve closed my account without my permission because i wouldn't pay them any more money.  I wanted them to keep negotiating the settlement for the 2nd loan.  They are a dishonest and misleading company that takes advantage of businesses with high interest loans and their practices should be investigated further. 

  
  Sincerely,
  
  **** *****

• Initial Complaint

  Date:06/20/2025

  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.

  Repeated calls daily from Coastal Debt Resolve over and over. Voicemails are left with no message, but I can hear background noise. Each call is from a new number so even though I block each one, more come in. I do not have debt and am sure this is a misleading call or even an outright scam, but I have not answered any calls. This is a nuisance and is harrassment. I do not trust this company and want them to stop blowing up my phone every day of my life.

  

  Business Response

  Date: 06/24/2025

  Dear *******,
  
  Thank you for taking the time to share your concerns. We understand how disruptive unwanted calls can be, and were sorry to hear about your experience.
  
  After reviewing the information provided, we noticed that the phone number listed in your complaint appears to be incomplete, as it is missing two digits. Unfortunately, without a full and accurate phone number, we are unable to verify whether any contact originated from our company.
  
  That said, based on your descriptionspecifically, voicemails with no message but background noisethis does not align with our standard communication practices. Coastal Debt Resolve adheres to strict compliance standards and ensures all outreach efforts are clear, professional, and respectful.
  
  If you would be willing to provide the complete and correct phone number, we would be happy to double-check our records and, out of an abundance of caution, ensure your number is added to our internal Do Not Call list.
  
  We appreciate your feedback, as it helps us maintain the highest standards of service. Should you wish to provide further information or need additional assistance, please feel free to contact us directly at ************ or *****************************************************************.
  
  Sincerely,
  Coastal Debt Resolve Team

  Customer Answer

  Date: 07/09/2025

  Hello, 

  Based on the reply, can you please confirm what phone number was provided to Coastal Debit. I'm not inclined to give them my number again if they don't have it. The calls have miraculously stopped after filing my report. I don't trust this company and am not sure what cell number they were provided.

  Thank you,

  Melissa 

  Customer Answer

  Date: 07/10/2025

   
  Complaint: 23499575
  
  

  Hello, 

  Based on the reply, can you please confirm what phone number was provided to Coastal Debit. I'm not inclined to give them my number again if they don't have it. The calls have miraculously stopped after filing my report. I don't trust this company and am not sure what cell number they were provided.

  Thank you,

  Melissa 

  
  

• Initial Complaint

  Date:05/14/2025

  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.

  Repeated calls from Coastal Debt Resolve over approximately a week. No voicemails, but each call is from a new number so even though I block each one, more come in. I do not have debt and am sure this is a misleading call or even an outright scam, but I have not answered any calls. This is a nuisance more than anything but it's wasting my time, which is valuable to me.

  

  Business Response

  Date: 05/15/2025

  Dear *****,
  
  Thank you for taking the time to share your concerns. We understand that receiving unwanted calls can be disruptive, and were sorry to hear about your experience.While we are still looking into the details of this matter, we want to assure you that, out of an abundance of caution, your number has been added to our internal Do Not Call list to help prevent any further outreach.
  
  Coastal Debt Resolve takes these types of concerns seriously, and we remain committed to ensuring all communications are conducted responsibly and in accordance with applicable laws and industry standards. We value your feedback, as it plays an important role in helping us uphold our standards.
  
  If you have any additional information you would like to provide or if there is anything further we can do, please feel free to reach out to us at ************ or *****************************************************************.
  Thank you again for bringing this to our attention.
  
  Sincerely,
  Coastal Debt Resolve Team

• Initial Complaint

  Date:05/12/2025

  Type:Order 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.

  This company will NOT stop harassing me. Almost every day, from a ********** area code. I have never requested their services nor do I want them. STOP CALLING ME. I have to continually block these NJ area codes as they have used different numbers to try to get through.

  

  Business Response

  Date: 05/15/2025

  Dear *******,
  
  Thank you for bringing this matter to our attention. We understand how receiving unwanted calls can be frustrating, and we truly regret any inconvenience or disruption this situation may have caused. While we are unable to verify the specific details of the calls referenced in your complaint at this time, please rest assured that we take concerns of this nature seriously.
  
  As a precautionary measure, your number has been added to our internal Do Not Call list to help ensure that you do not receive further contact from our organization. We are currently reviewing our procedures and conducting an internal review to ensure our communications remain respectful, appropriate, and aligned with all applicable regulations.
  
  Please know that your feedback is valued and helps us continuously improve our practices. Should you have any additional questions or wish to speak further about this issue, we welcome you to contact us directly at ************ or *****************************************************************. Thank you again for reaching out.
  
  Sincerely,
  Coastal Debt Resolve Team
  
  
  
  
  
  
  

  Customer Answer

  Date: 05/15/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:05/11/2025

  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.

  Coastal Debt Resolve aka MCA Resolve claim to be debt "settlement" companies. In January due to a significant need in my business to resolve a debt from other predators such as Fundworks and ************ I was advised by Coastal Debt Resolve that they would negotiate these debts and get them down a large percentage within an 18 month period. They are very good at selling anything and unfortunately they were successful in convincing me that they would do what they said they would. After sending them $29875 they have done nothing and the second I requested to renegotiate and had to stop funding this project which was going nowhere they simply cut me off and will not respond to emails or phone calls. This would all be "somewhat" legal as I am sure they have their t's crossed and their i's dotted but there is one other detail that they missed. Early on I started insisting that they reach out to ************ to slow down their onslaught. They kept saying I didn't have enough paid in for them to do anything. This could still all be within their "rights" if a thief has rights. The clincher for me was that United did seem to become silent even though they never claimed to have done their part in initiating negotiations. And the final incriminating detail is that no sooner had we ended the contract between Global and Coastal, United decided to do another onslaught of ***'s to my vendors and just happened to have the information for my new merchant account and bank account. The bottom line is that ************ could only have gotten this information from Coastal. My request is for a full refund of everything Coastal pulled from my new bank account that is the only bank account attached to my new merchant account.

  

  Business Response

  Date: 05/15/2025

  Dear Better Business Bureau,
  We appreciate the opportunity to respond to the complaint submitted regarding our company. We take all client concerns seriously and welcome the chance to clarify the facts, correct inaccuracies, and reaffirm our commitment to ethical and professional client service.
  
  Background and Clarifications
  1. Coastal Debt Resolve is Not Affiliated with "MCA Resolve" First, we would like to clarify that Coastal Debt Resolve is an independent company. We are not affiliated with, nor do we operate under the name MCA Resolve. Any suggestion of a doing business as relationship is incorrect.
  
  2. Program Terms and Fee Structure
  The complainants business voluntarily enrolled in our 18-month commercial debt relief program in early 2025, entering into a legally binding service agreement. As clearly disclosed in the agreement, our fees are non-refundable, and structured to reflect the ongoing services, administrative efforts, and negotiation strategies applied from the outset of enrollment.
  
  3. Enrollment Timing and Merchant Account
  Our records reflect that the complainants business had already opened a new merchant account prior to enrolling in our program. Coastal Debt Resolve does not access, monitor, or share clients' banking or merchant account information beyond what is voluntarily provided for program administration and client support.
  
  4. Client-Initiated Termination of Services
  The complainants business abandoned the program without any formal notice or communication after only three (3) months, despite enrolling in an 18-month structured debt settlement plan. At the time of withdrawal, no litigation or court actions had been initiated against the complainants business.
  
  5. Accusation of Information Sharing Is Unfounded
  The claim that Coastal Debt Resolve shared sensitive information with a Merchant Cash Advance Provider is both factually inaccurate and wholly unsubstantiated. We maintain strict confidentiality practices and adhere to all applicable privacy regulations. The complainants speculation appears to coincide suspiciously with renewed collection efforts by a lender, raising the question of whether the complaint is being drafted or influenced in coordination with that lender.
  
  6. Significant Projected and Realized Savings
  Prior to program abandonment, our team had already achieved weekly payment reductions totaling over $5,500 per week for the complainants business. Based on the program structure, the business was on track to realize six-figure debt savings over the full term. The early withdrawal from the program undercuts that opportunity and was done without any discussion, dispute, or formal disengagement process.
  
  7. Open to Productive Dialogue
  Coastal Debt Resolve remains open to having a constructive conversation. We encourage the complainant to reconnect with their dedicated account representative if they are willing to discuss a realistic and mutually respectful resolution.
  
  
  Conclusion
  While we regret that the client chose to disengage prematurely from a program designed to offer long-term relief, we must emphasize that the allegations in the complaint are both misleading and inaccurate. Coastal Debt Resolve provided services in accordance with the signed agreement, and any requests for a refund under these circumstances are not warranted.
  
  Sincerely,
  Coastal Debt Resolve

  Customer Answer

  Date: 05/21/2025

   
  Complaint: 23315752
  
  I am rejecting this response because:

  Background and Clarifications
  1. Coastal Debt Resolve is Not Affiliated with "MCA Resolve" First, we would like to clarify that Coastal Debt Resolve is an independent company. We are not affiliated with, nor do we operate under the name MCA Resolve. Any suggestion of a doing business as relationship is incorrect. 

  Can you explain why both of Coastal Debt Resolve ( ABSM LLC) and MCA Resolve are sued together in multiple court cases??
  
  2. Program Terms and Fee Structure
  The complainants business voluntarily enrolled in our 18-month commercial debt relief program in early 2025, entering into a legally binding service agreement. As clearly disclosed in the agreement, our fees are non-refundable, and structured to reflect the ongoing services, administrative efforts, and negotiation strategies applied from the outset of enrollment.

  Your "clients" that are "legally bound" by your "service agreements" are in no mental state to make the decision that they make.  All your "clients" are under extreme duress therefore your techniques work very well , however, they are extremely unethical and can be proven to be "duress and undue influence".

  
  3. Enrollment Timing and Merchant Account
  Our records reflect that the complainants business had already opened a new merchant account prior to enrolling in our program. Coastal Debt Resolve does not access, monitor, or share clients' banking or merchant account information beyond what is voluntarily provided for program administration and client support.

  Not sure what this is trying to prove.  
  
  4. Client-Initiated Termination of Services
  The complainants business abandoned the program without any formal notice or communication after only three (3) months, despite enrolling in an 18-month structured debt settlement plan. At the time of withdrawal, no litigation or court actions had been initiated against the complainants business.

  The complainant's business did not abandon the program.  There are emails, text messages and voicemails to prove that the complainant stopped payment because any more money taken from their account would mean not being able to remain in business and the complainant requested a renegotiation.  Coastal Debt Resolve and ***** ***** completely ignored all of the complainants attempts to renegotiate and immediately United First sent out another onslaught of ****...call it coincidence?   If that is the case Coastal could have picked up the phone and made an attempt to speak with the complainant rather than simply stating that the complainant "abandoned the program"...the program was Coastal robbing the complainant blind...nothing else.
  
  5. Accusation of Information Sharing Is Unfounded
  The claim that Coastal Debt Resolve shared sensitive information with a Merchant Cash Advance Provider is both factually inaccurate and wholly unsubstantiated. We maintain strict confidentiality practices and adhere to all applicable privacy regulations. The complainants speculation appears to coincide suspiciously with renewed collection efforts by a lender, raising the question of whether the complaint is being drafted or influenced in coordination with that lender.

  It remains a big coincidence and the most plausible explanation for this coincidence and failure on Coastal's part to communicate at all with the complainant followed by United's actions is that there is a hidden alliance between the two which can be inferred from statements made early on about having worked successfully with United First.

  
  6. Significant Projected and Realized Savings
  Prior to program abandonment, our team had already achieved weekly payment reductions totaling over $5,500 per week for the complainants business. Based on the program structure, the business was on track to realize six-figure debt savings over the full term. The early withdrawal from the program undercuts that opportunity and was done without any discussion, dispute, or formal disengagement process.

  That statement is unsubstantiated and there is more evidence to prove to the contrary in the multitude of complaints against Coastal and their techniques.  Having said that the reality is that there would have been no business left to "realize six-figure savings over the full term" because it was literally impossible to continue in business and pay the $70k to $90k required before Coastal would lift a finger to defend the complainant.
  
  7. Open to Productive Dialogue
  Coastal Debt Resolve remains open to having a constructive conversation. We encourage the complainant to reconnect with their dedicated account representative if they are willing to discuss a realistic and mutually respectful resolution.

  The only productive Dialogue that the complainant will entertain outside of the court of law is a full refund of the $29875 that was removed from the complainants operating account.
  
  Sincerely,
  
  ****** ****

  

  Business Response

  Date: 05/22/2025

  Dear Better Business Bureau,
  
  We appreciate the opportunity to provide this sur-reply in response to Mr. ***** rebuttal dated May 22, 2025. We remain committed to transparency, professionalism, and adherence to the terms outlined in our client agreements. Below, we address the claims and implications raised in Mr. ***** most recent submission.
  
  1. Alleged Affiliation with MCA Resolve
  Mr. **** continues to assert a connection between Coastal Debt Resolve and MCA Resolve based on litigation naming conventions. We reiterate that Coastal Debt Resolve (a wholly independent entity) is not affiliated, operated by, or doing business as MCA Resolve. The mere appearance of both names in one prior case that was ultimately abandoned does not establish a legal or operational relationship. Our operations, branding, and contractual instruments are distinctly our own.
  
  2. Claims of Duress and Undue Influence
  Mr. ***** claim that our clients, including himself, act under duress and undue influence when entering service agreements is factually unsupportable. Our enrollment process includes:Multiple disclosures regarding fee structure and service timelines.An executed service agreement signed voluntarily.Time for review and the opportunity to ask clarifying ************ pressure tactics, false urgency, or misrepresentations are used in client onboarding. Claims of duress are disingenuous when raised post-factum, particularly when the complainant remained in the program for several months before disengaging without formal notice.
  
  3. Merchant Account Timing and Privacy
  Mr. ***** rebuttal dismisses our clarification regarding the pre-existing merchant account. However, this fact is relevant because it counters the implication that Coastal Debt Resolve shared sensitive financial data with third parties. We maintain robust internal controls and strict adherence to privacy regulations. We cannot be held responsible for collection actions from a lender that may coincidentally align with other client activities or decisions.
  
  4. Alleged Program Abandonment and Communications
  The assertion that our program robbed the complainant is baseless, inflammatory, and ignores:The work completed during enrollment.Reductions achieved in weekly payment obligations (totaling over $5,500).The complainants breach of agreement terms by ceasing payments unilaterally.
  
  5. Speculative Allegations of Information Sharing with United First
  Mr. ***** theory of a hidden alliance between Coastal and United First is entirely speculative and unsupported. We categorically deny any such relationship.  Accusations based on circumstantial timing do not amount to evidence of misconduct. This allegation is purely defamatory in nature and tendered in bad faith to harm the Companys reputation.
  
  6. Challenge to ***************** and Fee Justification
  The complainants rebuttal continues to ignore the substantial value and effort embedded in our services. The $29,875 fee was transparently disclosed, contractually agreed upon, and applied per the terms of the engagement. Mr. ***** business was projected to benefit significantly had it chosen to remain in the program rather than abandoning it midstream. The business always had company assistance while enrolled in the program, but by unilaterally ceasing program participation the business was no longer eligible to receive the full benefits that would have been afforded through program participation and completion.
  
  7. Final Position on Refund
  While we respect the complainants frustration, we stand by our position that no refund is warranted. The complainant received services as outlined in the agreement, and the voluntary withdrawal, absent any mutual disengagement protocol, does not entitle the business to a retroactive nullification of fees already earned and allocated.We remain available to engage in productive discussion, provided the dialogue remains grounded in fact and framed within the original terms of engagement.
  
  Sincerely,
  Coastal Debt Resolve
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:05/07/2025

  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.

  They keep calling from different numbers EVERY DAY - i keep askinghtem to STOP calling

  

  Business Response

  Date: 05/09/2025

  Dear Ms. ******************** you for taking the time to share your concerns. Weve reviewed your message carefully, and we want to assure you that we take complaints like this seriously and address each one individually.
  Coastal Debt Resolve is committed to respecting the preferences of those we contact. We have now updated our system to mark your information as Do Not Contact, and steps have been taken to prevent any further outreach to your number.We apologize for any frustration our calls may have caused. Your request has been fully noted and actioned.
  
  Should you have any additional concerns or wish to discuss this matter further, please do not hesitate to contact us directly at ************ or *****************************************************************.
  
  Sincerely,
  Coastal Debt Resolve Team

  Customer Answer

  Date: 05/22/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:05/06/2025

  Type:Delivery 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.

  Daily harassing calls even though I told them to remove the number.. Harassment by Communication. I want them to Cease and Desist all communication The number ************ is a spoofed number they keep calling from DAILY

  

  Business Response

  Date: 05/09/2025

  Dear Mr. ******** ,
  Thank you for bringing this matter to our attention. We take such concerns very seriously.
  We want to assure you that, as a matter of company policy, we respect the privacy of all individuals and businesses.
  We do not contact anyone who has explicitly requested not to be contacted.
  Upon reviewing your complaint, we have promptly updated our records to ensure that your business is marked as "Do Not Call."
  Please rest assured that you will not receive any further communication from us outside of this response.
  We apologize for any inconvenience this may have caused and appreciate your understanding.
  If you have any additional concerns or need further assistance, please feel free to contact us directly.
  
  Best regards
  Coastal Debt Resolve Team

  Customer Answer

  Date: 05/09/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:04/15/2025

  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.

  ****** ********* call asking me if I have *** that I need help with and I said I do I have this small business I stop paying a few months back love to solve that problem he gave me all the information and then after looking up my loan, he informed me that they filed a lawsuit against me. He promisedthat it will be a smaller payment every week they will provide a legal help, I have a newborn so he said I am approved and I do qualify and he needs to transfer me to ****** . She comes in on the phone after me and him making a deal that my first payment would be in five days shes telling me ohno they already filed a lawsuit need a lawyer to respond immediately so you dont get in trouble you dont have time scaring me, I was asked to wire the money immediately they record all calls I hope. Shes tellingme so I just had the lawyer look at it and it seems like you signed in settlement agreement, which I never did so she said theres nothing we can do right now. Just let it go to judgment a few months when we have money on your account we settle ur case which not I promised. The only reason I went with them because they said they have legal help for me i said this is not what I was promised and I would not like to continue. She said theres nothing I can do for you. She wouldnt let me talk to anyone else in company. She wouldnt give me a refund after me insisting to talk to a supervisor on hold for 40 minutes she put someone that is notprofessional and I can promise he does not work for the company. hes probably her boyfriend telling me oh just because you got a loan and you cant pay. It does not mean we have to fix it right away. I sent an email to the original guy that forwarded me to her and I said this is not what you promised me. He said youreabsolutely right. We dont do business like that. Let me call them. Try to get you your refund and to see whats going on and since then not answering me either Please, I cant afford this

  

  Business Response

  Date: 04/16/2025

  Dear Better Business Bureau,
  
  Thank you for the opportunity to respond to the complaint submitted by ***** *****. We appreciate the BBB's commitment to ensuring transparency and fairness in business interactions.
  
  We have reviewed Mr. ****** account and regret that he feels dissatisfied with the outcome of the engagement. However, we respectfully must clarify that his depiction of events contains multiple factual inaccuracies and omissions, particularly regarding the nature of his enrollment and subsequent communications with our team.
  
  Clarification of Key Facts:
  
  No Refund Eligibility:
  As was clearly communicated to Mr. ***** at multiple stages, including a follow-up conversation with a member of our management team, his transaction is not eligible for a refund. The services renderedincluding intake consultation, file initiation, and legal coordinationwere delivered in accordance with the terms to which the parties agreed.
  
  Signed Agreements and Pre-Existing Legal Status:
  Contrary to Mr. ****** assertion that he never signed any settlement agreement, records confirm that he digitally executed a stipulation for settlement with his *** provider in November, well prior to enrolling in our program. This settlement was signed directly with the merchant cash advance provider and is unrelated to our company's services.
  
  
  Unfortunately, Mr. ***** appeared to misunderstand the legal status of his case at the time of enrollment. He had already been sued and had already entered into a binding settlement agreement before contacting our office. His assigned representative carefully explained this history and clarified that our services could still offer meaningful assistance moving forward. Specifically, had his business remained in the program, the projected savings over time could have been substantialpotentially improving the financial position and mitigating the long-term consequences of the alleged breach of that pre-existing settlement.
  
  
  Nonetheless, despite our efforts to clarify the situation and proceed with a viable resolution strategy, Mr. ***** ultimately declined to continue in the program.
  
  Spoke with a Manager:
  Mr. ***** was not denied access to management. He spoke directly with a supervisory member of our team who reiterated the terms of the agreement and the companys position regarding his refund request. The conversation was professional and consistent with our internal standards of conduct.
  
  
  Mischaracterization of Staff:
  The claim that a non-employee (or an unprofessional individual) was placed on the call is categorically false. All representatives who spoke with Mr. ***** are employed by the company and appropriately trained to handle client concerns. Any suggestion to the contrary is unsupported and inaccurate.
  
  Company Position:
  While we strive to ensure that every client feels heard and supported, our ability to offer refunds is bound by the clear terms of our client agreement. Mr. ***** was provided with a full overview of services prior to making payment, and services were initiated in reliance upon his express authorization.
  Although we understand that financial distress can be deeply personal and stressfulespecially under difficult life circumstances such as the arrival of a newbornour team acted in good faith, delivered the contracted services, and communicated expectations with transparency.
  
  We remain committed to ethical service delivery and transparent communication. Should Mr. ***** wish to request a copy of his signed agreement or speak with a member of our management team again, we would be happy to accommodate his request.

  Customer Answer

  Date: 04/22/2025

   
  Complaint: 23206056
  
  

  Just because a company is large and well-spoken does not necessarily mean their statements are truthful. Every phone call Ive had with them began with a disclaimer that the call was being recorded, and I kindly request that those recordings be reviewed so you can better understand what has transpired.

  The first ****** I spoke with was named *****. I have a screenshot of his email and he was the one who initially transferred me to another representative named *******. ***** informed me that a lawsuit had already been filed against me, something I was completely unaware of until that point. One of the main reasons I sought assistance in the first place was because I needed legal representation and support, as I have never been in this kind of situation before. Ive recently lost my business and am doing my best to navigate these difficult times.

  When I spoke with *****, I was assured that I wouldnt be charged any money until progress had been made on my case. I was also told that settlements would not occur without my consent, and that any funds collected would be deposited into an account I could control, requiring my approval before any transactions were made.

  However, after I was transferred to *******, the situation changed drastically. I urge you to request the recording of that call as well. She insisted I send a wire transfer immediatelystating it had to be done that day, not by Mondayso their attorney could respond to the lawsuit and prevent any judgments against me. Her approach was alarming and made me feel pressured and scared. I explained repeatedly that what I truly needed was legal representationsomeone to appear in court on my behalf and handle the legal process. Despite this, I was rushed into wiring the funds.

  After the payment was sent, I didnt hear back from anyone for four days. When I finally reached *******, she claimed I had already signed a settlement and that there was nothing more the attorney could do. She then advised me to let the case go to judgment, close my bank account to avoid garnishment, and to continue making weekly payments of over $1,100 until they could figure something out in a few months. I told her that I strongly disagreed, as this was not what was discussed or agreed upon originally.

  I asked to cancel my service and requested a refund, but ******* refused, stating that they do not offer refunds. I was never informed of a no-refund policy, and I am simply trying to cancel because the service I was promised was not delivered.

  When I asked to speak with a supervisor, ******* told me there was no one else I could speak with. After I insisted for some time, I was finally connected to someone else, but unfortunately, that individual was extremely unprofessional and disrespectful. He made inappropriate remarks, suggesting that just because I had taken out a loan and couldnt pay it back, it didnt mean they had to resolve my situation. I felt deeply disrespected and dismissed during this call.

  After this, I reached out to ***** again to explain what had happened. He agreed with me, acknowledged that the service I received was not acceptable, and said he would look into itbut I have not heard back from him since, despite following up via email.

  I am asking for your help because I feel taken advantage of. They charged me $1,060 for a couple of phone calls and left me with no support, no resolution, and no legal assistancedespite their initial promises. I am not a wealthy ****** looking to write off a loanI am simply someone who fell on hard times and was hoping for honest help.

  Thank you for your time and consideration. I sincerely hope you can look into this matter further and help ensure I am treated fairly.

  Kind regards,

  ***** *****

  **************

  

  Business Response

  Date: 04/23/2025

  Dear Mr. ******************* you for your continued engagement and for further clarifying your concerns.
  We understand that financial hardship can be deeply distressing, particularly when compounded by personal circumstances such as the recent arrival of a newborn. Our goal is always to support our clients with compassion, clarity, and professional integrity. We sincerely regret that you feel your experience with our team did not reflect those standards.
  However, after thoroughly reviewing the matter again, we must respectfully reaffirm our initial response.
  
  Program Structure and Scope of Services
  The program you enrolled in is not a rapid-resolution service. It is a structured, multi-month debt negotiation and legal coordination program that requires active participation and continuity to be successful. As was explained at the time of enrollment, it typically spans 6 to 18 months depending on the complexity and number of enrolled obligations. The anticipated benefitsincluding potential settlements and negotiated reductionsare only realizable upon completion of the program. Regrettably, your very early withdrawal precluded the ability to pursue and realize those outcomes.
  
  Legal Status and Settlement Agreement
  Your case presented certain legal limitations from the outset. Notably, as confirmed by the settlement documentation you executed prior to contacting our team, a lawsuit had already been filed and a binding stipulation for settlement was already in place with your merchant cash advance provider. Our role was to assist within the constraints of that pre-existing legal posture, not to undo prior agreements you had entered into independently.
  While we understand that elements of this legal history may not have been clear to you at the time, our representatives made every effort to explain your current status and outline what support we could provide moving forward. Unfortunately, as your correspondence confirms, you made the decision to discontinue participation shortly thereafter.
  
  Allegations Regarding Conduct and Communication
  We take allegations regarding professionalism and representation seriously. All individuals you interacted with are employed by the Company and trained to provide appropriate guidance under difficult circumstances. That said, we regret if any communication felt dismissive or lacking in sensitivity. We welcome the opportunity to review specific concerns as we continuously strive to uphold a respectful and solution-focused environment.
  
  Refund Policy
  Your request for a refund has been thoroughly reviewed. As noted in our prior correspondence, services including intake, file review, and legal coordination were initiated in good faith and in accordance with the terms of your agreement. Our no-refund policy, which is clearly stated and reinforced during the onboarding process, remains applicable in this case.
  
  Final Remarks
  We remain committed to offering meaningful support to individuals facing complex financial challenges. While we regret that your experience did not align with your expectations, we remain confident in the integrity of our services and the transparency of our processes. Should you choose to re-engage under the program's intended framework, we are open to revisiting potential resolution strategies tailored to your situation.
  
  Thank you again for your time, and we sincerely wish you the best during this difficult period.
  
  Sincerely,
  Coastal Debt Resolve Client Relations Team