Credit and Debt Counseling
Advantage Credit Counseling Service Inc
Complaints
This profile includes complaints for Advantage Credit Counseling Service Inc's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 2 total complaints in the last 3 years.
- 1 complaint closed in the last 12 months.
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Initial Complaint
Date:09/06/2024
Type: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 will NOT file debtors education certificates with the court. This inaction creates a risk that their clients bankruptcy cases will be closed without discharge, and creates excess work for their client's attorney.
I specifically recommended my client take their credit counseling course with another agency, through what I assume to be nefarious advertisement my client accidently took the course with these people, and now we are scrambling at the last minute to get her certificate on file before her case closes.
Business Response
Date: 09/10/2024
Advantage Credit Counseling Service, Inc. does not file
bankruptcy education certificates with the U.S. Bankruptcy Court on behalf of
the client. Agency disclosures clearly state that the completed
certificate will be sent to the client. The agency does not advertise
anywhere that it will file the certificate with the court, nor does it do direct
advertising to clients who have filed for bankruptcy. The course in
question was completed by the client on August 13, 2024 and Advantage emailed
the Debtor Education Certificate to Attorney Pappas and to his client promptly
the next business day August 14, 2024.Initial Complaint
Date:03/14/2024
Type: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 agency was suppose to provide help to ******** ******** in paying off my credit card debt with US Bank. However this agency acting in bad faith withdrew over a $100.00 dollars every month for an entire year never making any payments to ******** ********** two credit cards. I demand to have this agency thoroughly investigated as to why they found it necessary to act in such a fraudlent manner siphoning off my pillage from social security how sad that this credit counseling service agency displays the same behavior as Magellan Public Solutions. That being said, perhaps the office of the Attorney General Jim Petro/Dave Yost needs to peek into how and why this agency riped off ******** with intent to decieve. More over, perhaps the feds should look over Advantage Credit Counseling Services maybe others have been scamed as well.
The account in question ******013-***********.
See Attached.Business Response
Date: 03/20/2024
******** ******** enrolled in a
debt management program with Advantage Credit Counseling Service, Inc. on
August 20, 2022. *** ******** signed a
debt management program agreement and an Automatic Withdrawal Payment Plan
giving Advantage permission to debit her payment from her bank account
beginning on September 8. *** ********’s
initial payment was $220, which included a $45 set up fee, $169 payment to her two
US Bank creditor accounts and a $6 monthly fee to Advantage CCS.
For the next 13 months, *** ******** paid $187, which was disbursed to her creditors, less the $6 monthly
fee. *** ******** paid her accounts as
agreed until November 8, 2023 when her money was returned by the client’s bank due
to insufficient funds. Agency
representatives attempted to contact her via telephone multiple times, but the
phone numbers on file were both out of service.
The agency also attempted to mail *** ******** a letter, but the letter
was returned as undeliverable. *** ******** never provided an email address as an additional contact method. *** ********’s program was terminated by the
agency on November 16th, 2023.
On March 19th, after
being notified of this complaint, the agency again attempted to contact her via
telephone using the number listed on this complaint, but the number was also no
longer in service. *** ******** has been
removed from the debt management program.
All payments to her creditors, US Bank, were made as agreed upon up
until the agency received notification of insufficient funds from the
bank. At the time of her removal from
the program, $2,651 was paid on her accounts.
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