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:06/26/2025

  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 started with this company in March of 2023. Things went well at the beginning, but one of the creditors that I had two accounts with were trying to get judgements through the courts. I had told Century to prioritize these two accounts, but BOTH ended up with final judgements on me since Century didn't stay on top of negotiations. I kept one judgement with Century since that account was finally negotiated for a payment plan, and negotiated the other directly with the creditor. I tried to payoff the full amount (over $5000) of the account still with ********************** on June 24th, and was told I had to do a wire transfer. They told me the payoff is $19.95 in addition to what I owe the creditor. For what? They already took their $9.95 fee for the month. I still have not been told why there is an extra $20 added to my payoff...I made the wire transfer within an hour of me speaking with them and saw that those funds had already been credited to my reserve balance that same evening (6/24). I told Century that I wanted the full amount paid off the next day. At the end of the next day 6/25, still no payoff. I called the next day after that, 6/26, and still no payoff. I called them and was told they had to wait for the June payment (the normal scheduled payment amount on the 25th) to clear; which makes no sense since I had just wired cash to them on the 24th to have the full balance paid off in full. That was the whole point of doing a wire transfer!I explained that I am in the process of trying to buy a house and need that paid immediately. Only once I asked for a manager, was I told that they could make the payment, but I wouldn't get a paid in full letter from them for another week! WHAT?! My mortgage broker needs a payoff letter to finalize my loan! A letter can be typed up within one day and emailed directly to me. Any other time I needed a letter regarding an account a letter was created the same day. Why now does it take a week? They are holding my money hostage.

  

  Business Response

  Date: 07/01/2025

  This is a response from Century Support Services to Complaint #********
  
  Upon receiving Ms. ********* complaint, our team immediately reached out and connected with her to better understand her concerns and provide her with a resolution.
  
  Ms.********* enrolled in a Century Support Services debt settlement program on 03/20/2023. Prior to enrolling into this program,  Ms. ********* was presented with her Debt Settlement Agreement (contract) which outlined her program and costs in detail.  Per her contract, she enrolled 6 debts having aggregate balances, as of the date of enrollment, totaling $16,250.00.  Based on her financial ability, a monthly program deposit of $240.95 was established and a program length of 48 months was estimated.
  
  In August 2023, Ms. ********* requested to add a second ********** account to her program. To maintain a reasonable estimated program length, her monthly program deposit was adjusted to $350.00, effective September 2023. This change brought her total enrolled debts to 7, with an aggregate balance of $27,750.00. 2 of the enrolled 7 debts were with ********** totaling $21,596.00 of the enrolled debt balance.
  
  In March and April 2024, Ms. ********* informed Century that both of her enrolled accounts with ***** Bank had escalated their collection efforts, including the pursuit of judgments. Century immediately began working to negotiate offers and reviewed the amount of additional funds that would be needed to address both accounts. ********************** does not claim to prevent a creditor from escalating collection activities. If a creditor takes legal action against a client,Century still attempts to work with the law firm to establish a favorable settlement for the client.  In September 2024, Ms. ********* increased her monthly program deposit enough for the smaller balanced ********** account to be negotiated and entered into an agreement. Century continued efforts to obtain a settlement offer on the larger balance ********** account; however, Ms. ******** opted to remove that debt from her program in January 2025.
  
  In June 2025, Ms. ********* informed Century that she as working to purchase a home and wanted to deposit in the funds needed to pay off her ********** settlement. She deposited $5,650.64 into her special purpose settlement account on June 24, 2025. It has been Centurys experience that sending a payoff on an active structured settlement plan, prior to that current months scheduled payment,can prevent one of the payment checks from being cashed.  Therefore, Century was waiting for confirmation that Junes payment was processed by the creditor before initiating the payoff payment. At no time was Century holding Ms. ********* funds. 
  
  Anytime Century provides an estimated payoff amount, we include banking fees associated with the 3rd party payment processor.  As Ms. ********* request occurred so close to the end of the month, we estimated the need for her payment processors $9.95 monthly bank fee along with their assessed $10.00 check fee, in the event the creditor required a paper check be mailed for the payoff. Any funds remaining in the special purpose settlement account at the time of completion are refunded back to the client.
  
  We recognize the importance of this matter to Ms. ********** especially with a deadline related to a home purchase. We have already initiated the payoff to her creditor, as confirmed by a letter we issued to her on June 27, 2025 in which we detailed the payoff related to this account.

  We wish Ms. ********* the best in her future endeavors.

• Initial Complaint

  Date:06/23/2025

  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 made a debt settlement agreement with century css, I agreed to pay around $340 a month for 4 years. They assured me all of my debts would be paid off in 4 years, and told me at the end I would pay around half of what my balances were, and that theyd stop all interest from being accrued on my accounts. I t has been over 1 year and 4 of the 5 credit card companies are still charging me interest, and my balance continues to grow. Century is lazy and only contacted discovery and got my balance down 50 percent but charged me 25 percent of the balance In fees, so really my balance only went down 25 percent. They told me all the companies would stop charging interest immediately but have done nothing. They just collect my money every month while doing very little work. They also say my reserve balance is zero. Instead of paying down my credit card debts theyve instead paid themselves even though they broken the contract.

  

  Business Response

  Date: 07/01/2025

  This is a response from Century Support Services to Complaint #********
  
  After reviewing the concerns listed in the complaint, Century was able to contact Mr.Truesdell via telephone. We appreciate Mr. ********* giving us the opportunity to speak with him directly.
  
  Mr.********* enrolled in a Century Support Services debt settlement program on July 16, 2024. Prior to enrollment, he was presented with and executed a Debt Settlement Agreement (contract) outlining the program's terms, including costs and details. At enrollment, Mr. ********* had 5 debts totaling $20,337.00.Based on his financial situation, a monthly program deposit of $344.66 was established, with an estimated program length of 48 months.
  
  In regard to the concern of continued accrual of interest on the enrolled accounts,it is important to clarify a key aspect of debt settlement. That aspect is that creditors typically continue to add interest and late fees to delinquent accounts until a settlement is reached and the agreed-upon payment is made. Our program, as outlined in the contract, focuses on negotiating a reduction of the total balance, which includes principal, interest, and fees that have accrued up to the point of settlement. The timeline for settling accounts can vary based on several factors, including the monthly deposit amount, the number of creditors, and the balance of each individual account. Our team continues to actively engage with Mr. *********** remaining creditors to achieve the best possible outcomes.
  
  We successfully negotiated a settlement on Mr. ********* 's largest enrolled account with Discover in September 2024. This settlement was structured over 36 months. Century does not earn a settlement fee until we do the work for our clients. This is how we show our value. When we successfully negotiate a settlement on our clients behalf & they accept the settlement and a first payment is initiated to the creditor, we earn the right to collect the full earned settlement fee. In this instance, Century elected to spread the collection of our earned settlement fee over 11 months, in order to provide Mr. ********* the opportunity to accept this offer.
  
   Mr.********* mentioned that his "reserve balance is zero" and his perception is that funds are being paid directly to Century rather than directly to his enrolled creditors. This is not fully accurate. His monthly deposits accumulate in a dedicated special purpose account owned and controlled by ************* The funds in this account are used for two primary purposes: to fund the negotiated settlements with creditors and to cover Century's earned fees,as settlements are achieved.
  
  Century has acted in all times in accordance with our contractual obligations and is committed to continuing our partnership to help Mr. ********* achieve his financial goals. We look forward to ongoing communication with him to ensure transparency and address any further questions he may have.

• Initial Complaint

  Date:06/23/2025

  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 entered into this debt settlement program 2 years ago. To date, not one of my accounts has been settled/paid. Further, June of last year one of my accounts filed court proceedings. I notified Century and they claimed they worked out a settlement and asked me to send additional payments for 7 months and they would pay off the settlement. I did this and expected this account was cleared. However, I received notice from my employer Friday that they received a court order to begin garnishing my wages. Century never paid the settlement. When I contacted Century, they had no explanation. Only could say oh well if they started garnishing, we will need to remove the account from the program. !!!! My wages are being garnished because they didnt pay them the money they collected from me. They defaulted on the agreement with the ****************.

  

  Business Response

  Date: 07/01/2025

  This is a response from Century Support Services to Complaint #********
  
  ******** enrolled into her Century debt settlement program on July 10, 2023 with 14 unsecured debts totaling $54,440.00. At enrollment, Ms. ***** established a special purpose settlement account in her name with the third party processor,********************************* (CFT).  This account is for the exclusive purpose of accumulating program funds and from which any settlements negotiated by Century, on the clients behalf, and with the clients authorization, are paid.  Century's debt settlement program offers a strategic program with an estimated timeframe for clients to address their unsecured debts. Our goal is to address all of the enrolled accounts over the length of the program.
  
  While Ms. ***** stated that none of her accounts had been settled, our records indicate that Century successfully negotiated favorable settlements on 7 of her enrolled debts to date: 1 account is paid in full, 2 are in active structured settlements, and 4 accounts previously in structured settlements became null and void as a result of Ms. ****** monthly program deposit returning from her bank as non-sufficient funds (this occurred in October 2024 and April 2025).
  
  In May 2024, Ms. ***** informed Century that her enrolled ******** account was escalating in their collection efforts and that she was being sued. While ******** had not received the formal court documents, she provided Century with information that she located on a public website. At that time, Ms. ***** was in 5 active structured settlements and her monthly program deposit was allocated toward those payment terms. In order to actively negotiate another settlement, additional funds were needed. Our team reviewed the matter with ********, discussing the amount of funds required to proceed. Century did not receive a copy of the summons complaint form. As such, our representative manually notated the account. The process to trigger further required workflows did not complete for the Lendmark account.
  
  On June 23, 2025, Ms. ***** advised us that she received notification that her wages were at risk of being garnished. Our settlement team immediately worked to obtain the payoff amount necessary to resolve this situation and stop the garnishment process on the Lendmark account. Century stands by our core value of Putting People First. We appreciate Ms. ***** actively communicating with us while we worked to address a potential gap in this process. Century is covering the additional funds needed to finalize a resolution with Lendmark. 

   Our goal remains to address all of Ms. ****** enrolled accounts over the remaining length of her program.  

  Customer Answer

  Date: 07/02/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

  The occurrence of events by the business are inaccurate.  The total debt amount is not correct since I removed account(s) 1 day after starting the plan.  No actions were taken to resolve the 1 account they reference until after my notification to them about my wages being garnished.  The Lendmark account that is causing this garnishment is now being worked on because of my complaint. To date, it has not been resolved.  Bottom line, it took this complaint to get action on my account from **********************.  I was paying for services that were not happening.  My account sat with no activity since June 2024 when I first alerted them to the pending court proceedings.  Even though their representative informed me they had a settlement working and had me pay additional to execute it, nothing occurred on their end. The law firm even advised me they never heard from Century until after my call about the garnishment.  So essentially I was being lied to by the Century representative a year ago about the contact with Lendmarks lawyers. 
  
  [To assist us in bringing this matter to a close, we would like to know your view on the matter.]
  
  Regards,
  
  ****** *****

  

  Business Response

  Date: 07/09/2025

  ******** is correct that she removed debt post her enrollment. The information provided in our response reflects the contract terms at the time of enrollment on July 10, 2023.
  
  As stated, Century reviewed a potential process gap and we have taken the necessary steps toward resolving this matter. As of July 2, 2025, the payment needed to resolve ******************** account was made and we can confirm the payments has been processed by the creditor. We reviewed this with Ms. ***** that same day and she was also able to confirm that Lendmark had emailed her a payment confirmation. As a testament to our core value of Do What is Right, Century assisted with the payment needed to resolve this matter. Our team has been in communication with Ms. ***** throughout this process and we appreciate her active communication and patience. 

  Customer Answer

  Date: 07/10/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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. 
  
  Regards,
  
  ****** *****

• Initial Complaint

  Date:05/20/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is calling me repeatedly every day. They are calling between tge hours of midnight and 5am. I am on no call list. I asked to be removed from their list repeatedly. Calling from lots of different numbers. I am furious!!!they leave voicemails if I dont answer. Attachments show a couple days but it has went on at least a week. Any numbers without a name are them.

  

  Business Response

  Date: 05/21/2025

  This is in response to complaint #********: 
  
  We understand your frustration regarding some of the calls, and we regret any disturbance this has caused.
  When you submitted your loan application, you opted-in to receive communications from us, which is why our system was contacting you. 
  We have updated our file to reflect your desire to not receive any more calls in connection with your loan application, and you will not be contacted by us again.
  We value your privacy and strive to adhere to all communication preferences. 

• Initial Complaint

  Date:02/13/2025

  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.

  In Feb 2024 I started paying Century Support Services $393 a month for debt consolidation. When I started the program they said in about 5 months they would be settling my accounts. Then I started to receive letters from lawyers saying they were suing me because I wasn't paying my accounts. I reached out to *** and received no help. When I decided to go with another company, they said I owed them over $1200. There were hidden fees tacked on to my account. What did they do with the $393 a month that I was sending? I do not believe that not one of my accounts were settled, but they were steadily taking my money. I sent the company the paragraph below and they said I would receive no refund.The complaint ID that was assigned to me is ************* Whom it Might Concern, I would like to cancel my agreement effective immediately, in accordance of ***'s Consumer Protection Act of [2010].Furthermore, I would like my funds to be refunded from my escrow (trust) account provided by ********************** Debt Solutions according to our agreement, I also expect my funds to be back within 3-5 business days as agreed up upon.This is a final decision and not subject to negotiate, any further delay will result in an escalation to the BBB.

  

  Business Response

  Date: 02/19/2025

  This is a response from Century Support Services to Complaint #********

  Our Customer Advocate Team is making attempts to reach Ms. ****** both via phone and email to address the concerns mentioned in her complaint.
  
  ********* enrolled in a Century Support Services debt settlement program on 02/28/2024. Prior to enrolling into this program, Ms. ****** was presented with her Debt Settlement Agreement (contract) which outlined her program and costs in detail.  Per her executed contract, she enrolled 8 debts having aggregate balances, as of the date of enrollment, totaling $23,323.00. Based on her financial ability, a monthly program deposit of $393.81 was established and a program length of 48 months was estimated.
  
  In her complaint Ms. ****** states she does not believe any debts were settled, which is incorrect. Ms. ****** emailed Century requesting to cancel her program, on November 8, 2024. At that time, she was 9 months into her estimated 48 months program, and Century had successfully negotiated favorable settlements on 3 of her 8 enrolled debts.  2 of those settlements were still in active structured settlement payment arrangements. A member of our Customer Advocate Team began reaching out to Ms. ****** that same day in order to understand and resolve her cancellation concerns. Ms. ****** declined to speak by phone and was not open to further email communication. 
  
  Century does not earn a settlement fee until we do the work for our clients. This is how we show our value. When we successfully negotiate a settlement on our clients behalf, they accept the settlement and a first payment is initiated to the creditor, only then have we earned the right to collect the full earned settlement fee. The settlement fees are outlined in Ms. ******** contract on Page 3, Section 5 titled Fees. Settlement fees are based on your enrolled debt balance and never increase. By signing your contract, you agree to the fees associated with the service that we provide.  While Centurys fees are earned in full, per the terms above, and eligible to be collected in full, Century sometimes voluntarily agrees to spread collection over several months.  We extended this offer to Ms. ****** in an effort to help her take advantage of a settlement opportunity.  When Ms. ****** decided to cancel her program,the 2 active structured settlements became null and void & all outstanding settlement fees are due immediately. We provided Ms. ****** with an email explaining the cancellation details & process, at the time of her request.
  
  Century does not claim to prevent a creditor from escalated collection attempts.  However, if a creditor takes legal action against you, Century still attempts to work with the law firm to establish a favorable settlement.With the success of Ms. ******** program, the funds she was depositing in monthly were being applied towards her active structured settlements.
  In regard to overall progress of her program, its important to note that ********* was only 9 months in to an estimated 48 month program. Settlements can happen at various times and will depend on several factors, including the monthly deposit amount, the number of creditors enrolled, and the balance of each individual account. It has been our experience that reaching out to creditors prior to being able to negotiate or enter into a new structured settlement can expedite the collection workflow. Century's settlement strategy is outlined on Page 3, Section 4 of the contract titled, Settlement of Your Debts: A.Timing and Amount of Settlement Offers.
  
  Our team remains committed to reaching Ms. ****** to discuss the concerns she's raised.We understand her dissatisfaction with the services provided during her enrollment. We want to assure Ms. ****** that we have fulfilled our obligations as outlined in her Debt Settlement Agreement. We hope to connect with ********* soon to further address her concerns and provide clarification.

• Initial Complaint

  Date:02/04/2025

  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.

  This incident happened on January 29, 2025. I sent in a letter advising that I was canceling my service with Century support services and with all of my creditors a week prior to January 29th. I called on Jan. 29 bc I never received a response to the letter. I was transfer to a lady who is a supervisor in customer service. She tried to talk me out of closing but I held my grounds bc it was a moot point. She and I became irritated and I told her I was expecting a refund of all reserves. She told me that I would not be receiving anything and she ended the call. I have an app and I noticed the next day that my reserves went from $1200+ to $0 and I started receiving emails and phone calls from the company stating I owed them $4000+ dollars. I am being harassed now on a daily basis and I want this to stop. I WOULD LIKE TO RECEIVE ALL RESERVES DUE ME BEFORE SHE TOOK THEM OUT ON THE SAME DAY BC SHE WAS ANGRY.

  Customer Answer

  Date: 02/04/2025

   I am attaching documentation of the harassing emails and records of the fees taking out of my reserves and sent to my creditors. Which should have not happened bc I closed both the company and the creditors account just as my bankruptcy attorney advised me to do. See attached 

  

  Business Response

  Date: 02/12/2025

  This is a response from Century Support Services to Complaint #********
  
  Our team is actively communicating with Ms. ***** to address the concerns mentioned in her complaint and work towards a satisfactory resolution.
  
  To address the concerns Ms. ***** raised in her review, Century would like to clarify some key points, as they have been inaccurately portrayed. At the time Ms. ***** requested to cancel her Century program, she was actively involved in two structured settlements. These settlement offers were successfully negotiated, and the terms of the settlements were presented to Ms. ***** in January 2024. After consideration, she accepted both settlement offers.
  
  To further clarify, one of the structured settlements was related to Ms. ******* most significant debt with LendingPoint. Century was able to successfully negotiate a 45%settlement on this debt, resulting in a realized savings of $6,937.82 for ********* This settlement was arranged to be paid over 36 months. Additionally,the earned settlement fee associated with this account, based on the balance at the time of enrollment, is $4,775.75.   The second settlement offer she accepted was with Money Key. The earned settlement fee associated with this account is $565.00
  
  Century's settlement fees are outlined in **************** Resolution Agreement on Page 3, Section 5 titled Fees. Settlement fees are based on a clients enrolled debt balance and never increases. By signing her Debt Settlement Agreement, ******** agreed to the fees associated with the service that we provide.
  As outlined in the Agreement, the settlement fees per account are clearly stated and agreed upon. However, it is important to note that Century only earns its fees once the following conditions are met: (1) A settlement is successfully negotiated with a clients creditor (2) The client approves of the settlement and (3) The creditor receives a settlement payment toward the agreed-upon settlement.

  Once these conditions are satisfied, Centurys fees are earned in full and eligible for collection. However, to better support clients, Century occasionally agrees to collect its earned settlement fees over several months, allowing clients to take full advantage of settlement opportunities.This was the case with Ms. ****** as Century extended this flexibility to her on both settlements by deferring collection until 2025, contributing to the great success of her program.
  

  At the time Ms. ***** requested to cancel her program, a total of $5,340.75 in earned settlement fees was owed to Century. As per the terms of the agreement,when cancellation occurs, the fees owed to Century become due. These fees are typically collected from the balance in the client's dedicated special purpose account. In Ms. ******* case, Century collected the amount of $1,223.22 from her account toward the settlement fees owed. 
  
  This information was verbally explained to Ms. ***** during her call on 01/28/2025.We regret that Ms. ***** is not satisfied with her Century experience, but we would like to emphasize that Century has acted in full accordance with our obligations as outlined in her Debt Settlement Agreement.

  We are committed to resolving any remaining concerns and look forward to connecting with Ms. ***** to further discuss this information and ensure a clear understanding.

• Initial Complaint

  Date:12/18/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I enrolled into the Century Debt Settlement program August of 2023 as I was going to a new job that would be a pay cut. I knew at that point I wouldnt be about to afford the minimum payment for my credit cards. I knew of Debt Settlement program as I was unfortunately enrolled into one many years ago. I found it to be helpful so I thought I would do a similar program. Century Debt Settlement program was only able to settle one of my accounts. I want to say after 3 months I had a settlement with discover. However after several months I grew concerned about the **************************** ******** I called ********************************************** team a few times about my concern with the Chase ******** I was told not to worry and that I would need money in the reserve ******** I understand I needed to build funds. Ive gone through this process before. However recently I started to get letters from attorneys stating they want to take my case as a complaint was filed against me. I called on 5/13/2024 to Century frantic. I called 3 times and the 3rd time I spoke with ***** who was very nice and empathic. I informed her I uploaded the documents to the portal. She told me she would ensure me that I would receive a call from a century associate on Monday. She informed me the team would review the lawyers letter and compliant notice. I was called Monday morning. I was called Monday morning and spoke to ******* ******. She told me the complaint was actually filed against me and that although I am in a debt settlement program I can still be sued. She informed me she is not a lawyer and this isnt law advice. However she informed me I had so many days to respond to the complaint once I was served. She emailed me a letter to use once I was served to buy time with the judgement. I wasnt guaranteed this situation could be settled by century. I was not confident they had the resources to help me as my debt had increased. I opted out the program. I just want my money in the reserves which is ******.

  

  Business Response

  Date: 12/27/2024

  This is a response from Century Support Services to Complaint #********
  
  We appreciate Ms. ******** taking the time to connect with our team to further discuss the concerns mentioned in her complaint. As requested, ************* program was cancelled and the funds in her dedicated special purpose account in the amount of $844.17 were returned back to her bank account on file.
  
  Ms.******** enrolled in a Century Support Services debt settlement program on 08/31/2023. Prior to enrolling into this program,  Ms. ******** was presented with her Debt Settlement Agreement (contract) which outlined her program and cost in detail.  Per her executed contract, she enrolled 2 debts having aggregate balances, as of the date of enrollment, totaling $13,642.00.  Based on her financial ability,a monthly program deposit of $228.79 was established, a program length of 48 months was estimated and a personalized plan was developed to help her achieve her financial goals within an estimated timeframe. The timing of settlements varies and is dependent on several factors such as the monthly deposit amount, the number of creditors involved, and the balance of each account.
  
  **********************'s settlement process and strategies are detailed in the Debt Settlement Agreement section 4. Settlement of Your Debts: A. Timing and Amount of Settlement Offers:
  We begin contacting your Creditors as soon as we determine that a good faith offer to settle a given Debt, whether on a lump-sum or installment basis, may be made, with such determinations dependent upon such factors as the Creditor's settlement policies, the rate of account accretion, the size of each Debt and how close a Debt may be to charge-off. Some Creditors prefer that they not be contacted until you have accumulated sufficient funds in your Settlement Account to allow a negotiated settlement within their historic norms. While settlement guidelines differ widely among Creditors, an accumulation of 25% of the then current balance of a Debt will normally enable a good-faith offer to settle that Debt.
  
  Century does not claim to prevent a creditor from escalated collection attempts. However, if a creditor takes legal action against a client, Century still attempts to work with the law firm to establish a favorable settlement, for the client. As of the date of her complaint, Ms. ******** is 15 months into her estimated 48 month program and Century was able to settle 50% of her enrolled debt. With the current success if her program, the funds Ms. ******** deposits monthly is being used to pay towards her active structured settlement.
  
  We regret Ms. ******** was not satisfied with success Century has provided and has chosen a different path to resolve her debt. Century provided the services outlined in our contract and delivered successful outcomes, in a timely manner.

  Customer Answer

  Date: 12/27/2024

  
  
  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. 
  
  Regards,
  
  ****** ********

• Initial Complaint

  Date:12/04/2024

  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 chose to go in a different direction with negotiating my debts, and am requesting a refund of the funds in my dedicated account. Per my agreement with Century, it states that the funds in my dedicated account are fully accessible to me and can be withdrawn at any time without penalty. When I called to cancel the program, a representative told me that since three accounts had settlements agreed to by creditors, and had payments sent to the creditors on the settlement amounts, then the entire $3500 in my dedicated account will be surrendered due to Century's Fees. On further research:**** settlement companies cant collect a fee until theyve reached a settlement agreement, youve agreed to the settlement, and youve made at least one payment to the creditor or debt collector as a result of the agreement. But you could still end up paying a portion of the debt settlement companys full fees on the rest of your unsettled debts, says ***** *******, senior vice president of communications at the ******************************************If you have five or six creditors and the company settles one of those debts, they can start charging a fee as soon as they receive a result, ******* says. If a debt relief company settled a proportion of your total debt enrolled with its program, it can charge you that same proportion of its total fee.A Proportional fee based on proportional results seems the ethical way to do business, not that if one small payment is made on a settlement, then the entire fee would be due. I am requesting a full refund of fees paid.

  

  Business Response

  Date: 12/10/2024

  This is a response from Century Support Services to Complaint #********
  
  Our team is making attempts to connect with Mr. ******* to review the concerns mentioned in his complaint. We have not been successful in connecting but will continue our efforts to reach him.
  
  ********** enrolled in a Century debt settlement program on 01/22/2024.  Per his executed Debt Settlement Agreement (contract), he enrolled 10 debts having aggregate balances, as of the date of enrollment, totaling $106,271.00. Based on his financial ability, a monthly program deposit of $1,409.18 was established and a program length of 60 months was estimated.
  
  During the 11 months that Mr. ******* was enrolled on his program, Century was able to achieve favorable settlements on 4 of the 10 enrolled debts. Because ********** did not have the funds available to pay the settlements in a lump sum,Century negotiated the offers in structured terms. These settlements provided Mr. ******* with a realized savings of $6,867.52.
  
  ********** is correct in his description of earned fee collection. Per debt settlement industry regulation, Century does not earn a settlement fee until we do the work for our clients. This is how we show our value. When we successfully negotiate a settlement on our clients behalf, they accept the settlement and a first payment is initiated to the creditor, only then have we earned the right to collect the full earned settlement fee. The settlement fees are outlined on page 3, section 5 of his contract titled, Fees. Settlement fees are based on the enrolled debt balances and never increase. By executing his Debt Settlement Agreement, Mr. *******  acknowledged and agreed to the fees associated with the service that we provide.
  
  ********** included, in his complaint, what he claims is an excerpt from an article from the *****************************************. This except inaccurately states that debt settlement clients may end up paying fees on unsettled debt. This is absolutely inaccurate.  The only manner in which a debt settlement company may collect on earned settlement fees is listed above.
  
  While Centurys fees are earned & able to be collected in full, per the terms listed above, Century sometimes voluntarily agrees to collect its earned settlement fees over several months. This is a voluntary effort to help clients take advantage of settlement opportunities. We did for Mr. ******* which helped to contribute to his realizing a successful program to date. Upon cancellation,any outstanding fees are due to be collected. Century collected on the remaining balance of earned settlement fee for ********** account ending in 5938 and partial remaining balance on the *********** account ending in 7876 with the funds available in his settlement reserve special purpose account.  This fee collection is within the contractual rights according to the executed Debt Settlement Agreement.
  
  We regret that Mr. ******* made the decision to handle his debt relief outside of Century, as he was experiencing a successful program and we believe he would have continued to experience that success had he stayed the course of the program. Century acted professionally and in accordance with our contractual obligation to him in every aspect. 

  We encourage Mr. ******* to return our calls so we can further review his account and concerns. 

• Initial Complaint

  Date:10/03/2024

  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 had received several letters in the mail that appeared to be government offers to Florida residents for debt relief options. I finally called to talk about debt reconciliation in July, and enrolled three of my accounts (two credit cards and one personal loan through Best Egg) in what I thought was going to help me pay them down with less interest. Ive attached the contact I have had with Century on when they will contact my accounts as Ive been contacted constantly about late payments. I keep being told its being worked on. Today I received a 51 point credit score decrease due to delinquent payments even though Ive been constantly reassured not to worry about this. The agreement was to pay a $354.31 installment monthly to be paid off to each creditor while protecting my credit and incurring more fees and interest. I havent seen any of my accounts paid down and Ive attached several statements below to show this as well as the incurring late fees and interest fees Im incurring. I want at least what *** paid this company and to have this contract cancelled. However, I want to request additional fines to the business for my increasing my debts owed over the past three months.I really need help as the last thing I can afford is more debt and worsening credit.

  

  Business Response

  Date: 10/10/2024

  This is a response from Century Support Services to
  Complaint #22378256
  
  Our team is making attempts to connect with Ms. Isaksen to
  review the concerns mentioned in her complaint. As of the date of this
  response, we have been unsuccessful in reaching her. We will continue our
  efforts to reach her.
  
  Ms. Isaksen enrolled in a Century Support Services debt
  settlement program on 07/24/2024. Prior to enrolling into this program, 
  Ms. Isaksen was presented with her Debt Settlement Agreement (contract) which
  outlined her program and all costs in detail.  Per her contract, she
  enrolled 3 debts having aggregate balances, as of the date of enrollment,
  totaling $20,923.00.  Based on her financial ability, a monthly program
  deposit of $354.31 was established and a program length of 48 months was
  estimated.
  
  In her complaint, Ms. Isaksen states that the agreement was
  to pay a "monthly installment of $354.31 to be paid off to each creditor while
  protecting her credit and incurring more fees and interest".  That is an inaccurate description of the
  services as outlined in her debt settlement contract. Century works to
  negotiate settlements that provide substantial reductions to the balances on
  the client’s accounts, including any interest and fees that may have been
  assessed. Because our focus is on delinquent debt & helping clients work
  toward better financial health, our program is not designed to improve credit
  but rather assist the client in the relief of these debts. Once the debts are
  settled & the program is completed, the client can then concentrate on
  rebuilding their credit.
  
  At just 3 weeks into her program, Century successfully
  negotiated a favorable structured settlement of 50% on Ms. Isaksen's Best Egg
  account. Ms. Isaksen authorized this settlement which provided her with a realized savings of $1,407.00. The monthly funds Ms. Isaksen is depositing
  into her program are currently being applied toward the initiated payments to Best
  Egg for the structured term agreement and Century’s earned settlement fee. As
  additional funds build in her special purpose account, those will be used to negotiate
  settlements on the remaining 2 active debts.
  
  Century specializes in supporting financially distressed
  consumers who are facing hardships that prevent them from meeting their minimum
  monthly payment obligations to creditors. It is important to note that, in
  programs focused on debt settlement and negotiation, accounts will typically
  need to become past due in order to facilitate successful resolution. Creditors
  typically will continue to add interest and late fees to accounts that are
  delinquent.
  
  Century is a privately-owned company and not affiliated with
  any government relief programs. Century has been in business for over 20 years.
  We are an accredited member of the American Association for Debt Relief (AADR)
  & required to meet specific compliance and ethics criteria in order to
  maintain that accreditation status, as well as abiding to all state and federal
  regulations.  Based on the attachments provided, it appears that Ms. Isaksen
  was in communication with her Certified Debt Specialist about the concerns
  outlined in this complaint. The Century customer experience team has no record
  of any communication regarding these concerns which may indicate a potential gap
  in communication.  Once Ms. Isaksen executed
  her contract she was transferred to the Century servicing team to complete her
  enrollment.  As explained to her on that
  live Welcome Call on July 26th, 2024, the servicing team will always
  have the most current and up to date information regarding her program. While her
  enrolling representative can be available, Century provides our customer service
  contact number and information and recommends that all communication be
  sent to the Century servicing team.
  
  Century has acted professionally and in accordance with our
  contractual obligation to Ms. Isaksen.  We
  regret any confusion or dissatisfaction that she has concerning her debt
  settlement program. Her program is on track with early success & we’d like
  the opportunity to talk further with her about her program and her concerns. We
  look forward to connecting with her.

• Initial Complaint

  Date:09/22/2024

  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 approved a debt settlement agreement with the creditor, which included the settlement amount and the amount of monthly payments to the creditor and the company's remuneration. After restoring the agreement, you did not fully restore the agreement as promised during my conversation with your representative before my request for restoration: you canceled the agreement with my creditor, and you restored your remuneration for this agreement. In violation of the terms of the agreement and our agreements, you did not notify me of this in advance, you arbitrarily, without my consent, changed the amounts and terms of your monthly remuneration You do not respond to my written requests, simply ignoring them Based on the above I ask:either fully restore the terms of the agreement: the agreement with the creditor and monthly payments to you and the creditor, or, if you can no longer restore the agreement with the creditor, then you cannot take a fee as remuneration for an agreement that does not exist. If you do not want to do this, then there is no point in having any further relations with you and returning to the original position with a refund.

  

  Business Response

  Date: 10/01/2024

  This is a response from Century regarding complaint # ID 22320659

  Mr.
  Piven is correct that Century
  successfully negotiated a favorable settlement with one of his enrolled
  creditors, One Main Financial. The current balance at the time of the
  settlement was $12,876.85 and we were able to negotiate a 50% settlement for
  $6,349.00. Mr. Piven approved those settlement terms via text message on
  07/11/2024. Century does not earn a settlement fee until we do the work for our
  clients. This is how we show our value. When we successfully negotiate a
  settlement on our clients’ behalf, they accept the settlement and a first
  payment is initiated to the creditor, only then have we earned the right to
  collect the full settlement fee. The settlement fees are outlined in the
  client’s Debt Settlement Agreement (contract) on Page 3, Section 5 titled
  “Fees”. Settlement fees are
  based on the client’s enrolled debt balance and never increase.  Per the terms above, Century’s fees are
  earned & eligible to be collected in full. 
  However, Century sometimes voluntarily agrees to collect our earned
  settlement fees over several months, in an effort to help a client take
  advantage of a settlement opportunity. Such was the case with the fee
  collection on the above mentioned One Main account.

  In his complaint,
  Mr. Piven states that Century violated the terms of his agreement.  This information is inaccurate. Mr. Piven
  called Century on August 5th, 2024 and requested to cancel.  Additionally, he sent that request in
  writing, as well. As a result of that interaction, Century processed the
  cancellation on his program.  When a
  client is in an active structured settlement at the time of cancellation, we
  email them notification alerting them that we have stopped all payments
  scheduled on any active settlements and encourage the client to contact their
  creditor directly.  This email was sent
  to Mr. Piven on 8/6/2024.  The 3rd party bank, Crossroads Financial Technologies (CFT) is also notified upon
  cancellation so they can close their special purpose account and return any
  funds, less earned fees, back to the client. 
  Century has a right to collect on any earned settlement fees at the time
  of cancellation. This information can be located in the contract on Page 4, Section 6 titled, “Withdrawal
  from the Program; Termination of this Agreement” which reads, “Our right to collect settlement fees that
  are earned but remain unpaid, in whole or in part, for any reason will survive
  any termination of this Agreement and we have the right to pursue collection of
  our fees prior to and after termination or completion of your debt settlement
  program.”  In addition, Mr. Piven was
  sent a Cancellation Confirmation email dated 8/6/2024 discussing the fees & information regarding
  settlements. 
  

  Upon
  receipt of the notices of cancellation, Mr. Piven contacted Century &
  stated he did not wish to be cancelled. 
  Century prepared the reinstatement documents required to reopen both his
  CFT account and Century file. He executed the required documents needed and his
  program was activated again as of 08/15/2024. The contractual monthly deposit
  of $643.86 scheduled for 09/01/2024 was returned from his bank as a Stop Payment on 9/6/2024. Due to the
  returned deposit, there were no funds available in his special purpose account
  with CFT for Century to initiate the necessary payment to One Main Financial
  & attempt to re-establish the previous negotiated structured settlement
  agreement.  Century began reaching out
  via phone, email & text to discuss this with Mr. Piven. 

  Mr.
  Piven indicates that Century is not returning his written communication.  We believe the gap in understanding is that
  he was calling into the call center and actively speaking with representatives & often on
  the same days we were receiving written communication.  He has since been
  assigned a Customer Advocate that has been working directly with him to resolve
  the outstanding concerns surrounding his active program and previous settlement
  with One Main Financial.
  

  Century
  has been in contact with One Main Financial and they are willing to honor the
  previous structured settlement terms.  As
  of today, the settlement is active and current with the next payment due in
  October.  Century has been attempting to
  reach Mr. Piven to review the settlement terms and ensure he has removed the
  Stop Payment request from his financial institution so there are no delays in
  the October payment to One Main Financial. 
  

  We
  look forward to speaking with Mr. Piven & continuing to support his debt
  relief goals. Mr. Piven has explained that English is a second language &
  prefers most communication to be in writing. Some clients elect to add an
  “authorized speaker” that can assist the client during live interactions should
  they want or need language translation. 
  Often having an open and fluid live-dialogue where questions &
  answers can occur in real time can be very beneficial and helpful to the client.
  Especially when working through resolutions. If Mr. Piven would like to
  designate an authorized speaker on his account, Century will assist gathering
  his authorization  updating his file. 

  Customer Answer

  Date: 10/03/2024

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 22320659, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

  They provided you with information that is not true.
  All their actions and responses to requests are manipulation of facts and misleading. The most important thing is that their information that the contract with One Mine was restored is not true: I called the One Mine service department and on my personal One Mine portal no one confirmed that I have any debt settlement. They started communicating with me only after the complaint that I filed with you, I sent them all the circumstances of my complaint and I will attach this letter below. I stopped payments after 2 weeks of trying to contact them and settle the issue with One Mine (they did not respond to my requests) Their commission is not their good will, but these are the agreed amounts and the payment procedure for these amounts, which they violated without agreeing with me (first I agreed, and then they themselves made changes); After restoring the contract, they restored only their commission, but they did not restore the agreement itself and refused to do anything until I pay them for an agreement that does not exist. They made random changes to my payments and withdrew all the money from my account.
  
  
  
  Regards,
  
  
  
  Kostiantyn Piven

  

  Business Response

  Date: 10/07/2024

  Mr. Piven
  has previously indicated to Century that he prefers communication in writing,
  as English is not his first language.  We've been communicating the
  updates regarding the One Main Financial settlement to him via his personal @gmail address that he provided to Century. We encourage him to please review
  the recent communication sent, as it provides the details and the proof that the
  One Main settlement is active and on track.  There are time sensitive next
  steps that Mr. Piven must take in order to keep this settlement from breaking
  again. If he elects to work directly with One Main, we need to provide him with
  very specific instructions as the general customer service line he is using to
  reach One Main is not the correct department handling his structured settlement
  terms.  

  Century
  absolutely worked with One Main Financial to reestablish the negotiated
  settlement.  In order for the previous negotiated structured terms to be
  honored, One Main required that the missed August ($268) and September ($268)
  payments be made immediately. A payment of $536.00 was initiated to One
  Main, by Century, on 9/30/2024.
  

  Mr. Piven
  states that Century restored his contract only to restore "commissions". 
  That information is false.  Century only earns the contractual fee ones a
  settlement is negotiated, the client authorizes the settlement and a first
  payment is initiated to the creditor. Those conditions were met in July
  2024.  While the full $3,151.98 fee was earned, Century agreed to
  collect it over several months which would allow Mr. Piven to make monthly
  deposits into his program for the payment to One Main and Century’s earned fee
  collection. By August 2024, Century had only collected $989.87 of
  the $3,151.98 due.
  

  In order to
  assist with reestablishing the One Main settlement, Century reversed the
  8/6/2024 collected fee of $643.86. This was completed on 9/30/2024.  Those funds were put info Mr. Piven’s
  special purpose account with CFT to allow for the 2 missed payments totaling
  $536.00 to be initiated to One Main last week. 
  Mr. Piven
  has access to see this proof directly from his special purpose account with
  Cross Roads Financial Technologies (CFT). A snip-it from his CFT ledger is
  supplied as documentation proof. Mr. Piven can also contract CFT directly to verify this information. 

  At this
  time, the One Main structured settlement is active and current.  The Oct payment to
  One Main of $268.00 is due by October 29th, 2024.  There are not enough
  funds in Mr. Piven's special purpose CFT account for Century to initiate this
  payment.  In order for this settlement to not break again, Mr. Piven must either remove the stop pay and deposit into his program
  or work with us to take over the One Main settlement directly.  As this is
  time sensitive, it is imperative that we review this information with him as soon as
  possible.

  Century has provided proof & documentation to show Mr. Piven that we are his partner on this debt relief journey.  We want to assist him in accomplishing his goals.  If Mr. Piven has a close family member or friend that can assist with verbal English translation, we would welcome the opportunity to communicate in an open verbal dialogue as well. 

  Customer Answer

  Date: 10/07/2024

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 22320659, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  
  
  I want to confirm the following once again: As of today, no one has made a payment on my One Main loan. Below are images from the Experian report for September 5, 2024 and October 3, 2024. They indicate that no payments have been made in the last 150 days and the amount of my debt has only increased from September 5 to October 3, 2024. This information is confirmed by a One Main representative, with whom I spoke again today, October 7, 2024, at 833-390-2034 and on my personal One Main page https://www.onemainfinancial.com/accounts.
  
  
  
  Regards,
  
  
  
  Kostiantyn Piven

  

  Business Response

  Date: 10/09/2024

  Mr. Piven is in an active structured settlement agreement with One Main Financial. The settlement letter from One Main Financial is attached to this response as documentation of the written terms of which Mr. Piven authorized. The terms of that agreement state that Mr. Piven will pay One Main Financial $268.00 a month starting July 2024 and monthly for 23 months. A final payment of $275.00 is due in June 2026.

  How One Main Financial reports the payments on the debt and when they will update the reporting to the credit bureaus is stated on the settlement letter they issued to Mr. Piven. They specifically state, "Monthly billing statements will not reflect settlement arrangements".  In the section titled Here is what to expect after your account is settled they state, "Your account will be reported to the credit reporting agencies as "paid in full for less than the full balance owed." It may take the credit reporting agencies 30 to 60 days to update your credit report.".

  Mr. Piven is not going to see his active settlement payments reflected by going to the credit bureaus.  This is not due to Century Support Services policy.  This is the collection workflow policy of One Main Financial.

  Century has provided the settlement letter and the banking ledger as proof of payment directly from Cross Roads Financial Technologies (CFT). The settlement is ACTIVE and CURRENT. Mr. Piven can contact One Main Financial directly to their specific Debt Settlement number to confirm that Century Support Services is in an active settlement with his One Main Financial account ending in 5575.  He needs to call 844-739-0719 and not the generic customer service number. 

  In order to keep this settlement on track and avoid the risk of going null & void again, Mr. Piven needs to deposit into this debt settlement special purpose account with CFT OR agree to take over the settlement payments directly to One Main.  Century has emailed all of this information to Mr. Piven as he requested to receive communication in writing.  

  If there is someone that can assist Mr. Piven with English translation on a verbal call, we would love the opportunity to have this discussion verbally so we can answer all questions and help him better understand the settlement process. 

  Customer Answer

  Date: 10/13/2024

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 22320659, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  
  
  The issue of confirming the concluded settlement has been pending for a long time. Previously, you terminated the settlement with me when I, among other things,  asked to confirm and explain the agreement with One Main. Now you have provided an alleged letter from One Main about the settlement, which has been in the documents section on your website since July 26, 2024 and, judging by the date of uploading to your website, is not confirmation that the settlement has been restored. In addition, this letter is addressed to me, but I did not receive it and it has neither a date, nor a number, nor a signature and indication of the person who drew it up. Having contacted by the phone number indicated in this letter, One Main representatives were unable to confirm either this letter or any settlement with them on my behalf. Thus, everything remains in place: there is no confirmation of the settlement and you are only playing with old facts, trying to confirm new realities with them.
  
  
  
  Regards,
  
  
  
  Kostiantyn Piven