GRT Financial
reviews and complaints

I was feeling a bit stressed because I hadn't received any responses to my emails or calls, and I wasn't getting clear answers to my questions. However, one day I decided to make a call and I was fortunate enough to speak with a representative named ***. She really put my mind at ease, answered all of my questions, and provided me with excellent guidance regarding some letters I had received. After the phone call, I felt much more confident in the program and had a better understanding of where I stood in the process with my accounts. Thank you so much, ***! I really hope that *** treats other clients with the same patience and understanding. It can be incredibly stressful for us, and I personally want to do everything I can to support the program in successfully completing my debt.

I wanted to take a moment to express my gratitude to GRT Financial for their assistance in organizing my financials. This company truly values their clients and it shows. I would like to specifically mention one of their client service representatives, who has been an absolute pleasure to work with. Unfortunately, I don't have the name of the representative, but I can't say enough about their professionalism, kindness, and willingness to assist me with my account. They have a remarkable way of connecting with people, and their voice is incredibly soothing, warm, and full of joy. Their sense of humor was also greatly appreciated. Please pass along my heartfelt appreciation to this representative, and know that I will wholeheartedly recommend GRT Financial because of their exceptional service.

On May 12, 3021, we had the pleasure of speaking with Chauntel Byers, who provided us with invaluable assistance during a critical time for us. The timing of our conversation was crucial, and Chauntel proved to be not only caring and compassionate, but also solution-oriented and non-judgmental. She went above and beyond to help us navigate a difficult situation, ensuring that we could continue to settle our debts while also instilling a sense of hope for future resolutions. It was truly refreshing to be treated with such respect and even friendship. Our experiences with GRT have consistently been positive, and we wholeheartedly recommend them to anyone seeking to make progress towards their financial goals, particularly in relation to their debts. We extend our heartfelt gratitude to Chauntel and the entire GRT "family" for their exceptional support.

I work for a collections agency and one of our representatives received a call from a company asking to settle an account. We explained to the representative that we needed to submit the request and call them back with an approval or denial. Since February 6th, I have made 13 phone calls to follow up on this matter. I left messages on all 13 occasions, hoping for a return call as promised within 48 hours. I even requested to speak to a supervisor, but was denied. As a consumer, I would not recommend this company as they unnecessarily prolong the settlement process and may even charge monthly fees. It's frustrating to have to constantly chase after a so-called professional company just to get a simple answer on the approval or denial of a settlement.

I cannot recommend GRT Financial. However, I would like to give 5 stars to the analyst who assisted me today. I highly recommend speaking with Kristal Allen as she was extremely helpful in explaining all the fees and breakdowns up until today. She provided me with thorough and informative explanations. I appreciate her honesty and understanding. It has been 6 months since I started with GRT Financial, but only one account has been partially settled. Unfortunately, the settlement fee was deducted before the creditor was even fully paid. Additionally, I was unaware that the 25% fee was calculated based on the total amount owed, not the settled amount. While GRT Financial is an okay company, I suggest considering managing this process on your own and working directly with your creditors. This is just my personal opinion.

I had a conversation with Porscha from client services this afternoon, and she was extremely helpful. She assisted me in changing my draft date and provided me with a clear understanding of the changes to my settlement schedule. Overall, my experience with GRT Financial has been fantastic. From the initial onboarding process to the current phase of depositing money into my joint account for settlements, they have been exceptional. What convinced me to choose GRT over two other companies was their extensive years in business and expertise. While there are numerous debt resolution companies available, I highly recommend researching GRT Financial, just as I did. I believe you will find them to be superior to others in the market. Best regards, Ryan

I just wanted to take a moment to express my gratitude to Lamar for his exceptional customer service and willingness to provide me with updated information about GRT. He was incredibly courteous and kind throughout our conversation. I actually discovered your company through a radio advertisement, which is quite surprising considering I live in Las Vegas and had never heard of your company before. At the time, I was feeling overwhelmed by my bills and the stress was really getting to me. However, after hearing about your services on the radio, I said a prayer and decided to give your company a call once I got home. It has now been two years since I joined your program, and I am almost done with my debt. The support and assistance I have received from your team during this time have been invaluable. I wanted to share my experience with others and let them know that they can trust your company. Interestingly, I haven't come across any more radio advertisements for your company, but I truly believe that God answered my prayers and guided me towards your company to help me start over. Thank you all for always being there to calm me down whenever a creditor upset me. You have truly been the best.

I'd like to express my gratitude and give a special shout out to *** from GRT's litigation team! I recently found myself in a situation where one of my clients took me to court, and *** handled the case with utmost professionalism. Not only did he understand my perspective as a client, but he also took the time to patiently explain every detail to me. I must admit, I tested his patience, but he remained unfazed and continued to provide explanations and options until we found a solution that fit my budget.

While I did experience some frustration with the customer support team's communication, which occasionally had delays, overall they handled my situation well. Thanks to their efforts, the court date is now set to be cancelled, and I can finally breathe a sigh of relief. I truly believe that *** is an asset to any organization, as he exemplifies excellence in his field.

I had the opportunity to speak with Slade and I must say, he was incredibly informative, knowledgeable, and professional. He took the time to ensure that I fully understood every aspect of the program and the services his company offers for resolving my debt. Not only that, but he was also extremely polite and pleasant to deal with. He explained everything I needed to know in order to make an informed decision about availing myself of his company's services. I had only one question, which he answered in great detail. Shortly after our conversation, I received all the necessary forms via email and was able to easily sign up for the service. Slade provided a clear explanation of how the service would work and the associated cost. He made sure that I understood everything and even asked if I had any further questions, which he promptly answered. Working with someone as efficient and competent as Slade was truly a pleasure. I wholeheartedly give his service a rating of Five Stars Plus!

I have been a customer of GRT for over three years now, and during that time, I had accumulated a total debt of $56,000 spread across 26 different accounts. I was struggling to keep up with my monthly payments of $2,400 and felt like I was drowning. Eventually, I reached a breaking point and decided to reach out to GRT for help. They took the time to explain everything to me, including the challenges I would face with collection agencies and lawyers. I knew it wouldn't be easy, and there were moments when I lost my temper and yelled at them, but they remained patient and understanding. With the money I was able to save through their program, I started paying off some of the collectors myself, while GRT handled the rest. It's important to note that the more money you contribute, the more they can allocate towards your debts. There were times when I wanted to give up and file for bankruptcy, but I resisted that urge. Instead, I stayed on the path outlined by GRT, and now I only have one account left to settle. I can finally see the light at the end of the tunnel, and it's not a train! I am incredibly grateful to GRT for their assistance throughout this journey. Thank you, GRT! - Kevin B.

I had the pleasure of speaking with Miss Pamela D. She was incredibly knowledgeable and informative, making our conversation a true pleasure. I couldn't have asked for a better customer service experience. I wish everyone possessed her level of compassion and understanding when dealing with customers. She treats them with the same respect and kindness that she would expect for herself, which is truly admirable. I am so grateful for her wonderful and caring nature that I would even send her roses to show my appreciation.

Furthermore, Miss Pamela D. went above and beyond to ensure that I understood everything clearly. She even provided me with helpful information regarding my credit after the program, which I had no prior knowledge of. Her assistance was invaluable, and I am extremely pleased with everything. If it were possible, I would give her more than 5 stars. As a satisfied customer, I highly recommend her.

I had the pleasure of receiving exceptional customer service from Terrell Morrow today. He went above and beyond to provide me with a detailed explanation of the progress of my court summons. Unlike my previous calls where I only received vague updates like "Documents received and will be processed," Terrell took the time to walk me through the entire process. He even checked if someone had been assigned to my case and provided insights into the consolidated loan affiliates process. Terrell's extensive knowledge of the company and his commitment to delivering excellent customer service truly impressed me. He is a true asset to this company and his efforts deserve recognition. Thanks to the outstanding service Terrell provided, I am even considering referring a friend to this company. Keep up the great work, Terrell!

I recently decided to cancel my program with GRT Financial and was assured that I would receive a refund for the amount they had deducted from my bank account. Unfortunately, they only returned a portion of the money. Specifically, out of the total amount they took, I only received *** dollars back. This was quite disappointing, as I had been informed by several GRT representatives that the refund process would take 7 to 10 business days.

On May 23, I called GRT and spoke with ***. However, after putting me on hold, she never returned to the call, so I eventually hung up and called again. The next representative I spoke with explained that there were some undisclosed fees associated with the program, which meant that I was only entitled to *** dollars out of the original 354 dollars. This left me wondering how much of the fee was actually going towards paying off my bills, and how much was being pocketed by GRT.

Based on my experience, I strongly advise against signing up for any program offered by GRT Financial, as their practices seem dishonest and unfair.

To be completely honest, I have not had a great experience with GRT's service, except for two individuals - my phase one representative, T, and a very helpful young lady named P S whom I spoke to today. The other representatives I have interacted with between T and P have been unhelpful and sometimes even rude. However, today P went above and beyond by emailing me the information I had been requesting for a while. Other representatives, most recently J F, had promised to email it to me but failed to do so. P was kind enough to not only send me the information but also stayed on the phone with me to explain the coding in the document. Despite P's exceptional assistance, I am still contemplating dropping GRT altogether. I have already paid significantly more than my original outstanding debt, yet I still have two accounts that are being paid on and two accounts that remain unsettled. Overall, this review does not reflect positively on GRT as a whole. I am extremely dissatisfied with their service, but I am grateful for P's outstanding support. Thank you!

After experiencing two significant financial hardships, I made the decision to explore debt consolidation options. With numerous companies to choose from, I ultimately selected GRT based on their numerous positive reviews. It has now been almost three years since I enrolled with them, and they successfully consolidated two out of my three accounts. Today, I made the decision to withdraw the third account from the program as I am in the process of purchasing a home, and it is a requirement to pay off that account in order to proceed. Otherwise, I would have entrusted GRT to handle it. Despite removing an account, GRT promptly "graduated" me from the program and is refunding all the funds in my escrow account without any hassle whatsoever. Whenever I needed assistance, they were readily available to speak with me and were always eager to help, whether it was over the phone or through email.

I would like to give special recognition to Terrell, who assisted me today. I was quite anxious about removing an account, fearing that it would be a complicated process given recent events. However, Terrell swiftly provided assistance and ensured that all my questions were thoroughly answered. Additionally, Theresa S was always accessible via email (as I prefer not to talk on the phone). Even after I mistakenly contacted her a couple of times after moving on from her area, she consistently took care of me and provided the correct contacts for future inquiries. Overall, everyone I interacted with at GRT did an exceptional job of making me feel reassured and comfortable throughout the entire process.

I would also like to mention the end result: I successfully removed two accounts, which accounted for approximately 50% of their value. As previously mentioned, I am receiving a full refund of the funds in my escrow account. Furthermore, my credit score has increased by over 200 points within a span of two years. GRT effectively removed those accounts from my credit report, exactly as they had promised. I wholeheartedly recommend them with a rating of 10/10.

Pamela D was the only person who took the time out of her schedule to genuinely help me. I have been dealing with an issue for over a month now. Initially, I had trouble making a payment because I wasn't informed that the last payment I needed to make was not included in my overall balance to pay off the creditors. As a result, I had to issue a stop payment with my bank to avoid overpaying my account with GRT. Later on, I was informed that I needed to make that one-time payment in order to graduate from the GRT program. Every time I tried to set up a payment with GRT, it would not go through, even after removing the block from my bank account. Thankfully, when I called GRT again today, I was fortunate enough to speak with Pamela D. She immediately corrected the problem by explaining that since I had initially stopped the draft for payments, I needed to sign a new agreement form. She promptly sent it over via email, and I electronically signed it. Pamela D has been the only person at GRT who has assisted me with this problem that I have been calling about for a month. Everyone else has provided me with false information without taking the time to ask questions or research the issue at hand in order to better assist me. Instead, they have made me feel as if they dislike their job and don't want to be bothered. I am lucky and grateful to have had the opportunity to talk to Pamela D, who resolved my issue the first time we spoke. I wish that during the year or more that I have been dealing with GRT, I had been fortunate enough to get Pamela D on the line. If that had been the case, my experience with GRT wouldn't have been a nightmare, leaving me with many headaches. Thank you again to Pamela D for resolving my issue the first time around. She truly went above and beyond the call of duty. She is truly one in a million.

I had a terrible experience with this company. Over the course of 5 months, they took a whopping $1,437 from me, claiming it was for negotiating a payment plan with my creditors. Shockingly, they only managed to settle one bill, leaving a staggering 12 others unpaid. As a result, my credit was severely damaged, and I feel like they not only stole my money but also betrayed my trust. It's disheartening to know that there are countless individuals out there who fall victim to these deceitful practices every year. When I confronted them about refunding my money, they callously refused. It's clear to me that they are nothing but thieves. I urge someone to take action against them.

I had to complete a legal aid form as per the company's requirement. However, when I decided to cancel the debt relief program, they informed me that the initial fees and lawyer fees exceeded the monthly deposit I had made into my account. As a result, I received a refund that was less than what I had paid for two months of services that were not provided. When I expressed my desire to cancel, the employee who initially signed me up contacted me and verbally attacked me, insisting that I would be sued by companies if I switched to another debt relief program.

The promise of GRT Financial was that they would act as my personal negotiator and take the stress out of dealing with my creditors. I entered into their program, which was supposed to last for 48 months and have monthly drafts. This was meant to cover all of my submitted debts, including my Discover card balance of $10k plus. However, now that I have followed their program, I am being told that I have to double my monthly draft for GRT to even attempt to settle the debt with Discover. To make matters worse, Discover has a judgment against me, and I have already submitted all the requested paperwork to GRT. I have no issue with paying the agreed-upon amount on time, but doubling it without any explanation is completely unacceptable. I expect GRT to honor our original agreement.

This company specializes in debt settlement services. Their main purpose is to negotiate with creditors on your behalf by stopping your payments and providing them with funds for settlement. Due to my anxiety about not making payments to my creditors, I decided to cancel my account. I was assured that as long as no settlements were made at the time of cancellation, I wouldn't incur any fees. However, shortly after closing my account, I received an email notifying me of a settlement they had made. Despite closing my account, I had already given them a total of $3,500. They only made one settlement payment of $862 and refunded me $772 for closing my account. Unfortunately, they also charged me nearly $2,000 in fees for settling an account after my account had been closed.

I decided to enlist the assistance of GRT because I was in need of debt consolidation support. Initially, everything seemed to be going smoothly, but after 9 months, things took a turn for the worse. When I first joined their program, I was making monthly payments of approximately $526 to them. However, due to the unfortunate circumstance of losing my job, I needed to lower my payments. They were able to reduce my payments to $500.16, which was a slight relief.

However, there were a few issues that arose during my time with GRT. Firstly, they advised me to disregard any communication from my creditors and collections agencies, as they assured me that they would handle everything. Unfortunately, they were unable to settle one of my debts, which ultimately led to me being sued by that particular creditor. This was a major setback and left me feeling frustrated and betrayed.

To make matters worse, the account that they couldn't settle was removed from their program, but my payments to GRT remained the same. This was incredibly confusing to me, as I couldn't understand why my payments for two accounts were still the same as when I had only one account. It seemed like GRT was only interested in helping me as long as they were benefiting from it.

Despite paying over $10,000 to GRT, I still had to take matters into my own hands and settle my other account myself, as I was informed that I was on my own with that particular debt. This was a disappointing and frustrating experience, considering the amount of money I had already invested in their services.

I applied for a debt consolidation program on March 22 to consolidate my debt from six credit cards. They assured me that I wouldn't have to make payments to the cards for the first six months while they worked on the matter. Instead, I started making monthly payments of $475.26 to them on that day. I continued making these payments until March 22.

In February, there were still two credit cards that they couldn't negotiate with, and these cards continued to charge me interest, causing the balances to increase. When I initially started the program, the Bank of America card had a balance of $11,129.00, and the THD credit card had a balance of $5,694.00. Since 11 months had passed and they couldn't resolve the issue, I had to remove the debt from these two cards, totaling $16,823.00.

When the pandemic hit in March, April, and May, I was only able to pay $150 per month due to the financial impact of COVID-19. Once things started to return to normal, I contacted them and they informed me that the new monthly payments would be $325. I didn't agree with this change and decided to cancel my account with them. They provided me with the necessary information for the cancellation.

When I started the program, the balance on my Capital One credit card was $4,417.00. By the time I closed the account, I owed $2,808.92, which I paid directly to Capital One. The other Capital One card had an initial amount due of $742.00, but when I closed the account, they informed me that it was $445.70, which I also paid directly to Capital One. The only card they made payments for on my behalf was Wayfair, with a balance of $641.00. Another card, SYNCB/LOW, had a balance of $2,736.00, but they did not make any payments towards it.

I had enlisted the services of GRT Financial to assist with credit card settlement. When I initially engaged them in August , my credit score stood at 740. They advised me not to make any payments on my cards, despite me never having missed a payment before. Our agreement was for me to deposit $450.00 into an escrow account. They successfully settled two out of my five credit card accounts. As for the remaining three, I personally reached a settlement agreement on two of them because I was facing a lawsuit from American Express in my local court. Once I had reached an agreement with American Express, I coordinated with GRT Financial to make payments to Glennon Law Firm LLC from my escrow account. However, after setting up this arrangement with Glennon Law, GRT Financial failed to maintain contact with me. Frustrated by their lack of action on the remaining accounts, I decided to terminate their services and called them on December 9th. During this conversation, a representative informed me that there was $1400.00 in my escrow account and assured me that it would be deposited into my bank account within 7 to 10 business days. However, when I checked my account on January 3rd, the money had not been deposited. I immediately contacted GRT Financial on January 4th, and the representative I spoke to informed me that the money had been sent to Glennon Law on December 14th. After placing me on hold, he returned to the call and stated that the funds had been used to cover fees, and I would not be receiving a refund. I requested to speak with his supervisor, but he abruptly ended the call. Undeterred, I called back and spoke to another representative who confirmed that $1100.00 had indeed been sent to Glennon Law after deducting fees. Finally, on January 6th, I had a conversation with a supervisor who claimed that her colleagues were misinformed and had been reprimanded for providing false information. She asserted that all of my money had been used to cover fees owed to GRT Financial, despite the fact that they had been deducting fees from my escrow account every month. Considering the amount of money I have paid them, which exceeds $15,000.00 since I began using their services, and the fact that they settled only two accounts for approximately $7000.00, I am left wondering where the rest of my money has gone.