Debt or credit management -- Confusing or misleading advertising or marketing -- Complaint #10545387
Complaint Overview
Complaint ID: 10545387
Company: Clarity Debt Resolution, INC
Product: Debt or credit management
Sub-Product: Debt settlement
Issue: Confusing or misleading advertising or marketing
State: New York
ZIP Code: 148XX
Date Received: 2024-10-22T12:00:00-05:00
Date Sent to Company: 2024-10-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I signed up with Clarity Debt Resolution at the beginning of XXXX as I was drowning in credit card and personal lo had exhausted my savings and was desperate for help. They promised to settle my debts quickly at a " fraction '' of the price. Six months later and they have only settled one debt and the settlement amount was for 70 % of the original debt. They then charged nearly {$5000.00} in fees which means Im still paying the same amount for the debt. They have not returned emails. They never disclosed that I would be paying XXXX of dollars in fees. They have been harassing me to sign up for some prgram that charges additional monthly fees. They were very aggressive and pushy. I had saved about {$5500.00} in my account with them and its all gone and only ~ {$650.00} has been paid towards my debt. I was scammed. I want my money back. I would be better off settling the debts myself. I originally signed up for this program on XX/XX/year>. I began paying {$730.00} per month after initially making XXXX payments in XXXX of {$730.00}. All of my credit cards have been closed, which they promised me would not happen. When I inquired about this I was told " Don't worry. They will send you more cards ''. I reached out to the company in XXXX when I noticed that not a single debt had been settled. I emailed XXXX XXXX who was the representative I signed up with. He emailed me back once and told me " It doe n't usually take this long '' and that he would " reach out immediately ''. That was the last I heard from him. I have sent 2 other emails to him since and have not received a single reply. I then sent an email to general customer service last week and received a reply from them telling me to reach out to my representative. My credit went from XXXX to XXXX. They told me this wouldnt happen. That everything would be resolved quickly and that my accounts would stay open and my credit score would quickly rebound. None of this has happened. This has reuined my life. Now I'm not able to pay my bills and my credit is shot. I have a kid applying for college and I can literally do nothing to help him with loans, etc. I feel so helpless and lost. My accounts have racked up XXXX of late fees and charges. I so deeply regret my decision. I feel like I will never recover from this. I have never been so financially unstable in my life.
Frequently Asked Questions
What is Complaint #10545387 about?
Complaint #10545387 was filed against Clarity Debt Resolution, INC regarding Debt or credit management specifically about Confusing or misleading advertising or marketing. It was received by the CFPB on 2024-10-22T12:00:00-05:00.
How did Clarity Debt Resolution, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt or credit management) and describe your issue in detail.
Can I see other complaints against Clarity Debt Resolution, INC?
Yes, visit the Clarity Debt Resolution, INC company profile at readthecomplaint.com/company/clarity-debt-resolution-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.