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:07/14/2025

  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.

  I contacted forth back in February while waiting for them to settle my debts and still paying them up until June.nothing has been done throughout all that time. when I cancelled program I had paid them over 1200 dollars.but they only refund me just 464.i will never trust those scamers again.when ask where is rest of my money they always claim they had others fees to pay.i wouldnt. advise anybody to deal with that group. I was waiting going on 5 months and they had done nothing. all it did was mess up my credit rating.

  Business Response

  Date: 07/18/2025

  Thank you for bringing this matter to our attention. We've been in touch with your ******************* Provider, and they've agreed to refund the fees. The funds will be mailed out to you and your account will remain closed. Your ******************* Provider will be able to answer any questions you may still have regarding the program you were enrolled in. 
  If you have any future questions or concerns, please reach out to us at ************** or ******************************************************************.
  
  

• Initial Complaint

  Date:06/27/2025

  Type:Product 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.

   
  Complaint: 23529856
  
  I am rejecting this response because: the amounts they provided on the audit kept changing on what they were telling me, the ***. **** me 3 different amounts for the complete balance but none of them match with their own online account with the incoming and outgoing that is listed. This even confused the *** that did the audit. I am lodging a complaint with the **** as well.
  
  Sincerely,
  
  ***** *****

  Business Response

  Date: 07/03/2025

  We appreciate you reaching out to us. We completed an audit on your account. After canceling the pending transaction your available balance is up to date.  We closed your account following your discussion with our **************** Manager. No further debits or activity will occur. We are processing your refund check. We have informed your debt relief service provider of the account closure. Please contact them directly to discuss any pending settlements. If you have any future questions or concerns, please reach out to us at ************** or **************************************

  Business Response

  Date: 07/14/2025

  We are very pleased to have had a wonderful phone call with you on Thursday regarding your concerns. Your refund has been mailed and should arrive within a few days. If you have any questions please reach out to Forth **************** at ************** or **************************************

  Customer Answer

  Date: 07/14/2025

   
  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.
  

  They are offering me a refund above the requested amount as long as I remove the complaint. 
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:06/25/2025

  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.

  I signed up with guardian litigation group on June 5, 2025. After reading the fine print I decided to cancel. I had three days to cancel. I canceled on the 9th which was a day before my 3 day grace ******* I faxed them and sent them a telegram which cost me $79. Anyway, I confirmed that I was canceled, however on the 10th of June, Forth still withdrawal $515.67 even after the cancelation was confirmed. I immediately called and was told that I would get my money back in 7-10 days. I finally received my refund in the amount of $481.77. This refund is short $33.90. I called to find out why it was short. I was told that they have fees to set things up. I was never told that and this company did nothing to earn the $33.90. THIS COMPANY IS NOTHING BUT A SCAM!!!! I WAS CANCELED, SO NO MONEY SHOULD OF LEFT MY ACCOUNT!

  Business Response

  Date: 06/26/2025

  We appreciate you reaching out to us. The set up fee for your account has been reimbursed, and a check has been mailed to you. No further debits or activity will occur now that the account is closed. If you have any questions or concerns, please reach out to us at ************** or **************************************

• Initial Complaint

  Date:06/18/2025

  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.

   
  Complaint: 23485239
  
  I am rejecting this response because: I was very clear that I no longer wish to receive these "debt relief services." Your response implies a lack of responsibility or power to remedy this situation, yet  did specifically admit that the debt relief services is your company, note their use of the word "our" when you referred to it. Please help me. 

  Please contact your appropriate department to email me so we can get this situation handled in writing. Please refer to my initial complaint for my requested remedies. Thank you so much. 
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 06/18/2025

  Thank you for reaching out regarding your concerns. Our customer service supervisors attempted to reach you to explain that Forth is your dedicated account administrator. We securely hold your funds while you're enrolled in our debt relief program, ensuring your payments are protected and managed effectively. Your ******************* Provider will be able to explain the program you are enrolled in and can give update information on your settlements. 
  If you have any future questions about Forth or need help reaching your ******************* Provider please reach out to Forth **************** at ************** or **************************************

  Business Response

  Date: 06/26/2025

  We are sorry you were not satisfied with our services. We started the account closure process with your Forth account. We will email you with instructions so you can access your account summary statement. 
  Concoria Legal is a separate company with a separate contract. We have no ability to cancel their services with you. Please reach out to them directly.
  
  

  Customer Answer

  Date: 06/26/2025

   
  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:06/14/2025

  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.

   
  Complaint: 23468344
  
  I am rejecting this response because:

   

  The document required to stop any ACH withdrawals along with refunds being issued is requesting that I do not hold Forth liable from any actions unless legally necessary for any reason. I do not wish to sign that specific document as they have taken fees for transactions in regards to Forth's partnership with ************************** 

   

  I wish to sign a document without that statement. I wish to sign a document that states two items.

  1. That I only want to stop ACH withdrawals from my bank account.

  2. To refund any remaining balance to my chosen checking account.

   

  No other information that was on the original document will be agreed to at this current time unless Forth wishes to refund any fees taken on behalf of transactions made by **************************

  
  Sincerely,
  
  ******* ********

  contact your servicer if you have any questions" that showed proof that my request has been ************ of June 14, ************************************************************************* the Forth account and that brings cause for concern. I am currently in talks with *******************, the entity that set up this account, as well as ***********************, the entity I began the process that led me to Guardian Litigation, about concerns over their business dealing and any party involved that has helped secure funds in with these companies. No outline or request for unclaimed charges were presented to me when opting out of the program with Guardian Litigation that would require any additional funding to the Forth account, and with that statement the funds transferred were done without prior authorization and the balance left has no further designated need at this moment. I will hold Forth and all parties involved for fees incurred while waiting for the funds to return.

  Business Response

  Date: 06/17/2025

  Thank you for reaching out and expressing your concerns. Your account is currently on hold which will stop any future debits or settlement payments from going out. If you are still interested in cancelling from your debt relief program, we will issue a refund via ACH to your bank account. For personalized assistance with your program, we recommend reaching out directly to your ******************* Provider. As the company managing your program, enrolled debts, settlements, and negotiations, they can provide you with the most accurate and up-to-date information. Forth is your dedicated account administrator. We securely hold your funds while you're enrolled in our debt relief program, ensuring your payments are protected and managed effectively.
  If you have any future questions about Forth or need help reaching your ******************* Provider please reach out to Forth **************** at ************** or **************************************

  Business Response

  Date: 06/26/2025

  We closed your Forth account and there will not be any further debits or activities from your account. Our customer service supervisor will reach out to you and give instructions on viewing your account summary statement.

• Initial Complaint

  Date:06/02/2025

  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.

  I signed up with Setforth for their debt relief program under the impression that they would help settle my debts in a way that would result in meaningful savings. During the initial consultation and setup process, there was no clear disclosure about any service fees, especially not the substantial amounts they would eventually charge. They are not honest nor are they transparent about their program. You have to agree with them to find out about the hidden fees, then they tell you this is on the contract that you sign that they force you to sign on the phone with them quickly. This company is a complete scam.After I enrolled and opened the required account, ************************* began withdrawing money from my personal bank account, which I understood was to be used for settling debts with my creditors. However, once settlement agreements were reached, I was shocked to discover that Setforth was charging a 25% fee based on the original debt amount, not the reduced settlement amount. This left me with very little actual ********** practice, this means that instead of paying only the negotiated settlement, I am also being charged hundreds or even thousands of dollars in additional fees. As a result, the total cost becomes nearly equal to the original debt, undermining the entire purpose of using a debt relief service. I feel this is deceptive and exploitative.Desired Resolution:I am requesting a partial refund of the excessive fees charged and that Setforth disclose all fees clearly and transparently to future customers upfront, before enrollment. I believe their current practice is misleading and takes advantage of people who are already in financial distress.

  Business Response

  Date: 06/05/2025

  Thank you for reaching out. Your ******************* Provider would be the best source of information to assist you with these concerns regarding your settlements, this is the company responsible for your program, enrolled debts, settlements and negotiations. Forth is your dedicated account administrator whose role is to hold consumers funds securely and to disburse funds when settlements are in place. Your account has been closed and a refund was mailed to you on May 27. If you have any future questions about Forth or need help reaching your ******************* Provider please reach out to Forth **************** at ************** or ******************************************************************.
  
  

• Initial Complaint

  Date:04/22/2025

  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.

  There was a miss representation of the program. I was told that my bills would be paid not one by one which is causing late payment charges on all other bills. But all bills would be negotiated and paid. I see one bill being paid twice a month. The balance isnt decreasing by much over $800 is being taken out each month and the bill is only $310. I would never pay off my bills at this rate. This is a total scam that is ruining my credit ratings. I no longer will be paying into this business because of the fraudulent representation of their program.

  Business Response

  Date: 04/25/2025

  Thank you for contacting Forth. We are sorry to hear that you are not satisfied with the Debt relief program. During your call with the customer service supervisor, we explained that Forth is your dedicated account administrator whose role is to ensure consumers funds are held securely while you are enrolled in a debt relief program. Your ******************* Provider would be the source of information to assist you with these concerns regarding your settlements. Please contact Forth **************** at ************** or ************************************* if you need further assistance with your account. 
  
  

• Initial Complaint

  Date:04/18/2025

  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.

   
  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,
  
  ****** ******ontract suggests Forth can act on instructions from the ******************* Provider (DRSP), but it doesnt clarify that fees can be charged before I made any payments into the ********** services were provided at the time of this payment, nor were any creditors contacted. I had not made an initial payment, which was why *******, an affiliated company, refused me service. I assumed the program would begin after my first payment, so I was surprised to see fees deducted before it had even ********** seems both unreasonable and misleading for Forth to charge fees before services were provided, and when no payments had been made. The contract did not clarify these fees would be deducted before the program began.

  Business Response

  Date: 04/24/2025

  Thank you for contacting Forth. We are sorry to hear that you are not satisfied with the Debt relief program. One of our **************** Supervisors called and left a voicemail message. An email has also been sent, explaining that Forth is your dedicated account administrator whose role is to ensure consumers funds are held securely while you are enrolled in a debt relief program. Your refund has been processed via ACH. The account has been closed and your bank account will no longer be debited.  ************************ Provider would be the source of information to assist you with these concerns regarding your settlements. Please contact Forth **************** at ************** or ************************************* if you need further assistance with your account.

• Initial Complaint

  Date:04/16/2025

  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.

  I called the company 3 times yesterday and was on the phone for over an hour each time, supposedly waiting for a manager to approve my cancelation. Doesn't seem like a manager even exists. I talked to 3 different people, last call there was a dog barking. I called originally on April 7th on a recorded line to change my payment date from the 15th to the 17th, since that is when I would have funds available. But on the 15th this company still pulled from my account and my account is now in the negative. I have been in this program for way over a year and it hasn't helped much. This company is seems like a scam, only costing people more money then the original debt. They are refusing to cancel my account. Save your money and avoid this company

  Business Response

  Date: 04/17/2025

  Thank you for contacting Forth.  It was a pleasure speaking with you in regards to your concerns on not being able to get in contact with your ******************* Provider. We know that can be quite a frustrating experience. The account has been closed and your bank account will no longer be debited. Please keep in mind that Forth is your dedicated account administrator whose role is to ensure consumers funds are held securely while you are enrolled in a debt relief program. Your ******************* Provider would be the source of information to assist you with these concerns regarding your settlements. Please contact Forth **************** at ************** or ************************************* if you need further assistance with your account.