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Credit Alliance Group / Awful product, even worse customer server

1 TX, United States Review updated:

"We provide you with exceptional customer service designed to effectively achieve your goal of becoming debt free. Creditors will stop calling. Save 40-60% off your credit card debt. Attempting to resolve a debt through settlement is looked upon more favorably than filing bankruptcy."

Sound familiar? Don't believe the hype. After enrolling in their program the volume of calls I receive from debt collectors INCREASED exponentially. My guess is creditors are beginning to become aware that these guys are full of BS. CAG will tell you to forward these calls to them, or send them the information to file a complaint with the FTC. Once you do, they send you links to the FTC and/or prompts on what to tell your creditors when they call. Essentially, you end up doing their job for them.

Their customer service is absolutely horrendous. E-mails to them frequently bounce back or go unanswered. In the rare chance that you do hear back from them, it is not for at least a week. This may be acceptable from a creditor, but not from someone who is supposed to be working for YOU. Talking to them on the phone is even worse; they treat you just like those awful credit collectors. Their disdain for your situation and concerns is clearly apparent.

Once they have a few payments, they quickly change. If you try and cancel and get your money back, they inform you of "service fees" that just happen to total the sum of your payments to them. I've worked with the following reps at CAG and all have been awful:

Bryan Garner
Eric Pinola
Karen Snyder
Charrissa Whitley

In the time since I've signed up for debt settlement with CAG I've received several debt settlement offers from my creditors. They mostly range from 40-60% off of my total debt. I personally negotiated one down to just under 40% and am working on the others. Debt settlement is a hot topic at the moment. Do your research online and buy a book or two at Borders. Don't pay CAG for something you can do yourself. Save yourself the headaches!

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Comments

  • Ve
      8th of Aug, 2009
    0 Votes

    The destroyed my fair credit rating and now have to take them to court to get my money back - stay away from them no matter how desperate you may feel your circumstances have become.

  • Sh
      9th of Oct, 2009
    0 Votes

    To Credit Alliance Group:

    It’s hard to describe the amazing feeling I experienced when on July 6th, 2009 I got an E-mail from Client Relations at Credit Alliance Group saying in bold letters that I had completed the program. My last account had been settled – amazing.

    I signed my contract with CAG on May 31, 2006. The representative estimated that it would take three years to work through the program and he was right. I feel stronger, I feel lighter, I even feel taller– hard to describe the exactly how I feel – great, I’d say

    My deepest thanks to everyone at CAG. Your service was utterly professional, always responsive and personal.

    I can’t say that it was easy, but with you shepherding me through a complex and stressful process, I always felt that it was the right thing to do.

    To everyone enrolled in the program, I say, “stick with it”. To those thinking of enrolling, I say, “do it!” It works.

    Thank You All,

    D. Buraczeski

  • Ji
      14th of Oct, 2011
    0 Votes

    After two going on three years my husband and I started getting frustrated because nothing was getting paid. We paid everything because we were going to court and paying off the accounts they were taking care of. They were rude and made up excuses. Never returned phone calls. Then I started to email and had to tell them that they are sending faxes to creditors I already paid. They said my emails were threating. I never threated anyone. I would ask questions such as "have your researched any of our accounts" This is my final answer from credit alliance .
    "Your account is closed. NO ONE WANTS to deal with your craziness here. Your unhappy before you wake up each day. "

    Shane Garner

    They sent me a legal contract of some sort signing that I would not do any legal actions against them and they would give me a refund of course after they took their fees. They forgot to put our names on it. The next form they gave us the wrong amount. BELIEVE ME DON'T LET THESE PEOPLE HANDLE YOUR MONEY. Honestly I am trying to save you alot of money. There is no communication, within a year you will be in court for these debts, they do not research accounts nor ever call your creditors. I ended up paying everything they were supposed to handle before they even started. They are highly unproffesional and very immature.

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