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:07/23/2025

  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.

  I was told when I canceled my service that I would get back whats in the account and now there not giving me anything back I want my money I did not finish this month out and they took out $270.00 out of my bank account

  Customer Answer

  Date: 07/26/2025

  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 and the matter has been resolved.
  
  Sincerely,
  
  ******* *******
  
  
  
   
  
  

• Initial Complaint

  Date:07/17/2025

  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.

  Between September 2024 and July 2025, I paid National Debt Relief (NDR) a total of $2,750 through their payment processor for a debt settlement program. They advised me to stop making payments to my creditors, which caused my credit to drop and allowed my balances to grow from late fees and interest.Only $496.14 of the $2,750 was actually paid to my creditors. The remaining amount was taken in various fees: $1,813.73 in settlement fees, $217.16 in legal fees, $108.35 in service fees, and $9.00 for account setup.I canceled my enrollment after realizing the program was not working in my best interest and most of my money had gone to fees rather than settling my debt. Since canceling, I have not received a refund, or any communication.Ive asked for a refund, but they have not responded.

  

  Business Response

  Date: 07/22/2025

  Hi ******,

  Thank you for taking the time to share your concerns.  We appreciate the opportunity to discuss your feedback and are happy to have been able to assist you.

  Sincerely,

  National Debt Relief

  Customer Answer

  Date: 07/24/2025

  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 and the matter has been resolved.
  
  Sincerely,
  
  ****** *******
  
  
  
   
  
  

• Initial Complaint

  Date:07/09/2025

  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.

  I started with National debt relief on 1/24/24, I was told that my debts should be settled for 50% of my debt and that I could be charged a fee of 10-25% but that fee would be included in the settlement amount for each account. My total debts were $8283, and I was told all in the most I would pay would be $6200 ish. At this point I have paid in a total of $7103. And still have my largest debt remaining for $2541.43 in which they just offered a settlement of $1270.71 as well as a fee of $498. Which would have put me at $8871 ($588 more than when I started) I called to express my concerns that I had already paid more then I was told and was pretty much told oh well. They are deceptive because they tell you that they are settling for roughly half but then what they dont tell you is that your debt will become much larger by the time they actually settle it from fees and fines because they never reached out to the debt companies right away. They also do not show you when you agree to a settlement that their fee is in fact not included in the settlement and will be additional on top and you dont see that amount or that it is always conveniently 25% until after youve agreed to the settlement. They tell you they settle based on the original debt amount but oddly enough the settlement is usually for 50% of the most recent debt amount, I was paying $125 twice a month and was told that if I paid extra then they could get all of my debts settled quicker, so I sent an extra $1000 but when I mentioned that upon my most recent phone call they told me that I will still have to pay my monthly payment until my final payment date regardless, forcing me to overpay. They are very deceptive and lie to you as much as they can to get you to sign up, I was deceived about their fees and have since stopped working with them, I would like my fees refunded, in the amount of $1572, as they have already ruined my credit and I now had to settle my last two accounts on my own.

  

  Business Response

  Date: 07/16/2025

  Hello,

  Thank you for taking the time to speak with us about your concerns. We are happy to have been able to assist and offer an accommodation based on our review of your account. 

  Please do not hesitate to reach out with any further questions at ************.

  Sincerely,

  National Debt Relief 

  Customer Answer

  Date: 07/17/2025

  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 and the matter has been resolved.
  
  Sincerely,
  
  ******* ******
  
  
  
   
  
  

• Initial Complaint

  Date:07/08/2025

  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.

  I joined national debt relief on May 11, 2025. Agreement was to pay $216.50 on 1st and 15th of each month starting on June 1, 2025 and that amount already included their fees. I paid June 1, June 15, July 1 before deciding to cancel. Total of $649.50 when I canceled on July 2, 2025. On July 8th I received a refund of $368.30. I'd like to get the rest of the balance I'm owed please

  Customer Answer

  Date: 07/15/2025

  Better Business Bureau:
  

  Representative called me and explained while my final payment cleared my bank account, it was still processing on their end so could not be refunded until complete which could take up to 7 business days. I have since received full refund.

  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ******* *******
  
  
  
   
  

  
  

• Initial Complaint

  Date:06/30/2025

  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.

  The National Debt relief, Had me sign up, and sign a contract with them, on 2/16/22 ( Debt negotiations ) stating that after I pay them the Estimated Negotiation Fee $4328.50. All delinquent accounts, would be closed out with the creditor, and I would not be getting negative marks on my credit, and the amount of $8657.00 - Would be transferred to one single loan through ****************** I would continue with them to pay off said debt.However I have been working with someone to fix my credit up, and they have notified me that the accounts...AMEX *************** $7,110.00 ********* CBNA ************ $6,452.00 ******************** N ************ $2,036.00 BANK OF AMERICA **************** $1,716.00 None of them have been closed out with the creditors and I am still getting negative marks on my credit every month for these accounts, however I am paying my reach financial loan every month that these amounts have been transferred too.....

  

  Business Response

  Date: 07/16/2025

  Hi *****,

  Thank you for taking the time to speak with us about your concerns.  We appreciate the opportunity to ensure your satisfaction and address your questions.  If you have any further concerns, please do not hesitate to reach out to us at ************.

  Sincerely,

  National Debt Relief

   

   

• Initial Complaint

  Date:06/25/2025

  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.

  Subject: Formal Complaint Against National Debt Relief False ************************** Credit Report Access To Whom It May Concern,I am writing to file a formal complaint against National Debt Relief for engaging in deceptive business practices, including false advertising and unauthorized access to my credit report.1. False Advertising National Debt Relief made claims in its advertising that led me to believe I would be eligible for specific debt relief services under clearly outlined terms. These representations were misleading and inaccurate. After providing my personal information and engaging with their representatives, I discovered that the advertised services were either not available to me or came with conditions and costs that were never disclosed upfront.This practice is deceptive and violates consumer protection laws governing truth in advertising.2. Unauthorized Use of Credit Report Without my clear and informed consent, National Debt Relief accessed my credit report. At no point was I informed that a hard or soft inquiry would be performed, and I did not authorize this action in writing or verbally. This is a violation of the Fair Credit Reporting Act (FCRA), which requires explicit consent before accessing a consumers credit report.This unauthorized inquiry may have affected my credit score and constitutes a serious breach of privacy and federal law.?I am requesting the following:A formal investigation into National Debt Reliefs advertising practices and credit reporting procedures.Removal of any unauthorized credit inquiries from my credit report.Penalties or corrective actions as applicable under law.A written response acknowledging receipt of this complaint and details on next steps.Please advise me on any additional documentation needed to support this complaint. I am prepared to cooperate fully with any investigation into these practices.

  

  Business Response

  Date: 07/02/2025

  Hi ********

  We are sorry to hear you are unhappy with your experience.  We appreciate you taking the time to share your feedback. Please give us a call back at ************ so we may assist you further.

  Sincerely,

  National Debt Relief

• Initial Complaint

  Date:06/16/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They continue to spam call me and despite me asking for them to stop they call me every 5min. They use different phone numbers so I cant block them. Please get them to stop calling me. This is a business line and its ringing during work

  

  Business Response

  Date: 06/17/2025

  Hello,

  Thank you for reaching out.  Did you answer any of the calls or receive any voicemails?  The numbers you provided in the screenshot do not match any National Debt Relief phone number. Additionally, we do not have the phone number you provided as yours in our system.  Please provide the phone number receiving such calls.

  Sincerely,

  National Debt Relief

• Initial Complaint

  Date:06/13/2025

  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.

  On the 20th' of May 2025, I, ****** ***** of **** ******************** *** ***** received a second unwanted, unsolicited email from National Debt Relief. When I received the first unwanted, unsolicited email, I responded back to them, that I did not want there services. Basically, I told them to **** ***. I then unsubscribed from there emails, and marked the email as spam. Apparently, that didn't work. I don't know when I received the first email, I just did a purge of old emails before I got this second email. The following are the reasons I am filing this complaint.~ Predatory sales practices _ such as aggressive sales practices: Sent more emails after I told them not to.~ Identity theft _ when someone steals your personal information and uses it without your permission: I never gave my email to them, they stole it by buying it off somebody else who stole it.~ Computer trespass _ knowingly uses, causes to be used, or accesses a computer, computer service, or computer network without authorization: Sending an email to me, knowingly causes accesses to my computer and my network with out my authorized consent!~ Damage to or theft of personal property _ during the provision of sending the email, the business, its employee damaged personal property, and or stole personal property: In sending these unwanted, and unsolicited emails, National Debt Relief, could damage my computer, my network router, and modem, and could steal my personal information.

  

  Business Response

  Date: 06/16/2025

  Hello,

   

  Thank you for reaching out regarding your concerns about promotional emails and thank you for sending the screenshot of the email you received.  The email you received is NOT from National Debt Relief (please see sender's email address).

  Unfortunately, scam emails impersonating National Debt Relief are becoming more common. Please see: *************************************************************

   

  Sincerely,

  National Debt Relief

  Customer Answer

  Date: 06/16/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

   I accept there answer that the email is a scam email.  However, I want to know what National Debt Relief is doing to prevent innocent consumers like myself from potentially being scammed by people using the National Debt Relief name?

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

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

• Initial Complaint

  Date:06/10/2025

  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.

  Charged twice after requesting auto payment to be removed. Caused a late payment with my mortgage and overdrafted my account after auto pay request was confirmed to avoid this. Then payment went through and they did it twice.

  

  Business Response

  Date: 06/11/2025

  Dear BBB,

  Unfortunately, we are not able to locate an account with the consumer information provided.  The provided statement appears to indicate that a loan company was withdrawing funds from their bank account.  OneMain and National Debt Relief are not the same company nor are we affiliated.

  Sincerely,

  National Debt Relief

   

  Customer Answer

  Date: 06/11/2025

  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 and the matter has been resolved.
  
  Sincerely,
  
  ****** *****
  
  
  
   
  
  

• Initial Complaint

  Date:06/09/2025

  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.

  I became a member for debt consolidation. None of my creditors work with them. I would just like to cancel my account with them. Every time that I call a foreigner responds. I have trouble understanding the person.

  Customer Answer

  Date: 06/12/2025

  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 and the matter has been resolved.
  
  Sincerely,
  
  ***** ********