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Business Profile

Consumer Fraud Lawyers

Guidestone Law Group

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Fraud Lawyers.

Complaints

Customer Complaints Summary

  • 21 total complaints in the last 3 years.
  • 5 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:10/26/2023

    Type:Sales and Advertising Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I started this program in February ******************************************************************************************** 7-9 months. They have been taking $782 out of my checking account every month. In October of 2023 I had not heard from them after several attempts to reach out. Nothing had been done on their part as promised. I cancelled the service because they had not been providing it. Out of the $7000 I paid into the program they are refunding me $500.00. When asking to speak to someone I was hung up on and then told people have complaints about ************ too. By a member of management. I was told these are service fees but NONE of the services that were promised were provided. Please be aware this company is a scam

    Business Response

    Date: 11/01/2023

    We have resolved this matter to the clients satisfaction. 

  • Initial Complaint

    Date:09/13/2023

    Type:Billing Issues
    Status:
    Answered
    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.
    In November of 2021, I sought debt settlement help thru Guidestone for approximately $112,612.28 in debt. They subsequently negotiated settlement on only one account, Discover, for $14,292.48 - reduced from $20,417.54)In July 2022, I took a retirement distribution and removed all but that settlement and paid off the remainder, approximately $66,404 I was able to negotiate ON MY OWN with each creditor.Guidestone reduced my monthly payment from $2201.01 to $371.22.In total, I have paid them $34,136.97 to date (Sept. 2023), yet they still show my REMAINING balance for the one settlement at $12,546.96.I understand that there are a number of fees that I committed to, but I have already paid DOUBLE the amount for that single settlement to Discover. The total fees (retainer, admin, service) totalling $18,993.03 (over and above the $15,143.94 I paid for toward the $14,292.48 settlement amount.)Retainer: $995 Admin fee: $2376 Service fee (to negotiate with creditors): $15,622.09 Given that they settled 18% of my debt, I would ask that they refund 82% of the service fee, or $12,810.11.

    Business Response

    Date: 09/21/2023

    We have been in contact with the client and are working on resolving this matter to the clients satisfaction. 

  • Initial Complaint

    Date:08/23/2023

    Type:Order Issues
    Status:
    Resolved
    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.
    In February of 2023 I signed up for debt consolidation with Guidestone Law Group the sales pitch was at anytime I can get out of the program and get the money deposited into my account back I am now switching to a chapter 13 and my **** that was in my account that I deposited is now being refunded as 606 dollars. The entire sales pitch was that money minus the small monthly fees would be returned to me should I ever opt out or change my mind into a bankruptcy or something else. This is a scam and theft by deception. None of my creditors had been paid any money yet and when I canceled out of this program there was over 5K in the account. Now I am told otherwise. Why sell one thing then do another. As a broke person trying to fix my debt why steal my money. I canceled in august after 6 months of nothing but harassing phone calls from creditors and nothing being done. Now my money has been stolen. This was not what I was sold when signing up. I understand there were small monthly charges as I was told but to steal most of my money is crazy.

    Business Response

    Date: 08/30/2023

    We have resolved this matter to the clients satisfaction. 

    Customer Answer

    Date: 08/30/2023

     
    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.  I am now just waiting on the refund to be deposited.  

    Sincerely,

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

  • Initial Complaint

    Date:08/11/2023

    Type:Service or Repair Issues
    Status:
    Answered
    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 contacted this company on 6/13/2023 to cancel their services. They were charging me **** per month for debt consolidation and once I discovered that more than half of this amount was going to to fees, it did not seem prudent to continue with their services as they were not doing anything on my behalf. I was the one sending in the collection letters and the only thing they did was set up one payment plan with Discover and no other action was taken. As I could not see the benefits of being with this company, I decided to terminate the service. Since doing so, I have yet to receive a refund of the amount I had left in my account. When I terminated I had 313 in my account, I now have 174 due to various fees. I have called this company weekly and keep getting the runaround on my refund. ***************, the company that handles the refunds, is telling me that there is a fee that needs to be removed by Guidestone. I have called the company several times to say this and all I get in return is we don't know what is going on or, call back in 10 business days or let me have my supervisor look into it and I will call back (with no call back of course) and one person even told me the check was in the mail which of course was untrue. I just want my refund so I can be done with this company.

    Business Response

    Date: 08/21/2023

    We have thus far been unsuccessful in our attempts to reach the client to discuss a satisfactory resolution. 

  • Initial Complaint

    Date:05/04/2023

    Type:Sales and Advertising Issues
    Status:
    Resolved
    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.
    In the beginning of 2022, I had a consultation with Guidestone Law Group about their process extensively. I did so because I understood that late payments play a significant portion of the credit score. When I asked during the consultation if the late payments would be part of the negotiation of the settlement, they said that it would be. Specifically, they stated that part of the creditor accepting the settlement is for the late payments to be removed from my credit. I agreed and went through their process. I paid all my payments on time and had all the conversations/meetings they requested of me. In 2023, they presented a debt settlement loan which I took to settle all of the debt I had enrolled which was 50 dollars higher than what my payment was for a year. In February 2023, when I had a conversation about the the late payments on my credit report, I was told that I would have to contact the creditor myself and get the late payments removed. I responded with "that was part of the agreement I signed, Guidestone said that when the debt is negotiated, part of the creditor accepting it would include them taking the late payments off). Guidestone representative did not acknowledge what the agreement was, she just continued to say I can reach out to the creditor to get the late payments removed. Guidestone did not keep their entire agreement. They advised that as a part of their process, they told me not to pay my bills as they would use this as leverage. Now, even though my debts have been settled, I am left with 53 late payments in the last year. They have added their address as my residence. They have not put the loan I pay every month on time on my credit. Plus, I can't refinance the high interest on the debt-consolidation loan because of these 53 late payments. Guidestone needs to fulfill the legal contract we signed and get this resolved entirely.

    Business Response

    Date: 05/15/2023

    We are working with the client to resolve this matter to their satisfaction.  However, the matter is not yet resolved. 

    Customer Answer

    Date: 05/15/2023

     
    Complaint: 20017359

    I am rejecting this response because this does not fulfill 

    1) being expeditiously and economical for me. I have to call each creditor to remove 54 late statuses which I was told (or misinformed) would be apart of the debt removal process

    2) My decision-making was based on their direction. & they failed to fully inform me. 

    3) They did not clearly communicate my responsibility to call my creditors to negotiate late statuses being removed from my credit.

    4) They did not reach a clear agreement with me. They misinformed & shielded the devastating, emotional & time consuming process of contacting each creditor to resolve late statues.

    The community in which Guidestone practices deserves truth, respect & honesty in all business matters. 

    I relied on Guidestone to be a representative for me to settle my debts as we agreed to. Instead, I am left in a precarious position where a greater issue exist that will cause me undue stress & effort. 

    The people that trust them with their financial profile deserve better & an ethical moral voice. Their moral voice is definitely not mine. 

     


    Sincerely,

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

    Business Response

    Date: 05/17/2023

    We have resolved this matter to the clients satisfaction. 

    Customer Answer

    Date: 05/17/2023

     
    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:04/20/2023

    Type:Service or Repair Issues
    Status:
    Answered
    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 entered into a debt resolution agreement where guidestone would help negotiate with debt collectors to lower my debt and help pay it off. I was to Pay guidestone monthly. They have been unresponsive since collecting my money and no communication from anyone on my case. *** called the lawyer on my case as well as all their client services numbers and emailed. Debt collectors continually call me saying nothing is negotiated and theyve received nothing from guidestone. They are scammers and have failed to provide their services. So many others have the same complaint where theyve taken so much money and do not resolve any debt. No response and have ran away with my money.

    Business Response

    Date: 04/24/2023

    We have resolved this matter to the clients satisfaction. 

  • Initial Complaint

    Date:04/07/2023

    Type:Sales and Advertising Issues
    Status:
    Resolved
    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 joined the program with Guidestone Law Group in October/2022. Since joining the program they've collected $3,841.90 of deposits and fees from me. In the beginning of the program, I received customer rep calls notifying me all of the power of attorney letters were sent to my enrolled accounts. In early 2023, I received a call from a Guidestone representative stating that Guidestone Lawgroup had reached a settlement on two of my enrolled accounts. However that was untrue. Guidestone had not reached a settlement on any of my enrolled accounts. I've contacted my enrolled account companies and all of them stated that they never received power of attorney letters from Guidestone. At which point, I decided to cancel the program. I called early in March/2022 to cancel at which point I was immediately locked out of the Guidestone online portal so I could no longer access the portal or the *************** account where I could see the amount of funds deposited in the account. I was told by the representative who canceled my account I was due a refund of $670.47 of the $3,841.90 I'd already deposited. Which means Guidestone charged me $3,171.43 in fees and did not provide the service we agreed to. The fees consisted of retainer fees and other service fees on the account. I did not agree with this reimbursement. When I escalated the concern to ***** in the escalation debt, she escalated to senior management, who came back with an even lower reimbursement than I was originally quoted when I canceled. Out of the $3,171.43 in fees, a courtesy refund of approx. $325 was suggested. However, they also deducted fees from the $640.47 they originally told me was due to me. They are now saying, of the $670.47, I'm owed approx. $354. Guidestone Lawgroup provided false information to me about the fees I was owed, about settlements that had been reached on my enrolled accounts, and were misleading on how the program works. They did not perform the services in the contract.

    Business Response

    Date: 04/18/2023

    We are scheduled to talk to the client on Thursday.  However, this matter is not yet resolved.

    Customer Answer

    Date: 04/19/2023

    Guidestone stated they would contact me by Thursday 4/19. Im still waiting for their response to my complaint.

    Business Response

    Date: 04/24/2023

    We have resolved this matter to the clients satisfaction. 

    Customer Answer

    Date: 04/25/2023

    I am still waiting on Guidestones final document with the companys signature and refund to my account.  I emailed a signed document to them but I have not received the document or refund and deposit to my account.  When this is completed, I will close complaint.  Until then, its pending.

    Business Response

    Date: 04/26/2023

    We agree with the *****

    Customer Answer

    Date: 04/26/2023

    Pending resolution from company. 

    Business Response

    Date: 05/01/2023

    We have resolved this matter to the clients satisfaction. 

    Customer Answer

    Date: 05/03/2023

     
    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:12/22/2022

    Type:Order Issues
    Status:
    Answered
    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.
    Guidestone are scammers. I paid over **** dollars into my plan and I was so disappointed in their service I cancelled them. 802.00$ from Nov. 2021 thru Nov.2022. Since I have cancelled them they say I am not due a refund. Guidestone Law Group never contacted all of my creditors which I signed a power of attorney for them to do so. They are scammers at the highest degree.

    Business Response

    Date: 03/21/2023

    The complaint has been resolved to the consumer's satisfaction.

  • Initial Complaint

    Date:12/13/2022

    Type:Service or Repair Issues
    Status:
    Resolved
    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 hired this law firm in February ********************************* debt restructuring and collection. I have had no communication with them other than to be told today that because I have moved out of state that they will no longer represent me. I also learned today that I am being sued by a creditor for nonpayment on my account. I have verified that there is a lawsuit filed against me in the **************** and that I am listed as "pro se" when in fact I have hired this law firm. I have forwarded the lawsuit and attached documents to this law firm. Time is of the essence here. I thought that I was hiring a reputable law firm to represent me.

    Business Response

    Date: 12/28/2022

    This has been resolved to the consumer's satisfaction

    Customer Answer

    Date: 01/02/2023

    I did sign a Settlement and Mutual Release Agreement because no representation is available to me by this firm in the *********** where I now reside.

     I have, however, NOT RECEIVED THE FOLLOWING ITEMS AS AGREED UPON IN VERBAL DISCUSSIONS from Guidestone Law Group:

    (a) The contact information of individuals with whom they had communicated with so that I can follow through with my creditors.

    (b) A ledger of payments made (documentation of where my money had been spent) from February 2022.

    (c) And, the agreed funds identified on the Settlement and Mutual Release agreement due to as a result of this termination, plus those funds in my personal account. I understand the funds are to be distributed in two (2) checks

    I would like the BBB to follow up with Guidestone Law Group with regards to these items.

    Thank you,

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

    Business Response

    Date: 01/11/2023

    We will get the client all the documents requested, but as she stated, she moved to a state that Guidestone does not perform legal services in. 

    Customer Answer

    Date: 01/17/2023

    I have received the required documentation and agreed upon funds.

    I request that the Better Business Bureau close this case: Complaint ID ********.

    Thank you very much for you help!

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

  • Initial Complaint

    Date:10/19/2022

    Type:Service or Repair Issues
    Status:
    Answered
    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 does not communicate with their clients they did not communicate with my creditors and could not even tell me when my garnishment was taking place, nor did they attempt to stop the garnishment they however did ask me for an additional 800 a month in addition to the ********************************************************************** nor was he informed what the additional funds were for. He attempted to get more funds from me. Then when I called to cancel the service it has taken me over two weeks for them to process the refund and then they kept an additional 300 for their so-called service fee. They did not send the power of attorney letters to my creditors. They are scammers liars and thieves their business practices are underhanded and crooked.

    Business Response

    Date: 11/07/2022

    We have resolved this matter to the clients satisfaction. 

    Business Response

    Date: 01/03/2023

    We have resolved this matter to the clients satisfaction

Guidestone Law Group is NOT a BBB Accredited Business.

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