Credit Defenders of America ratings, reviews and complaints - Credit Counseling and Management Services Non-Profit

Complaints and Resolutions

Complaint Experience

N/A

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Of the complaints we have received against this company, in at least some cases, the complaint allegations are very serious.

Complainants allege failure to honor requests for cancelling and dissatisfaction with services. One customer claims the company stated not to pay creditors and that they had direct contact with cardholders. Another complainant alleges the company claimed over the phone that they could stop late fees and penalties. However, after the customer received the package, the information stated that not all creditors participate in their program and the company failed to disclose the first payment is collected by their company. Another customer states the company refused to cancel services because the customer failed to cancel within ten days although the customer claims the company did not disclose the cancellation policy.

The company responds to one complaint by stating the security deposit is forfeited if the contract is cancelled within 36 months and they have a recording indicating that the information was disclosed to the customer. The customer requested the information in writing, but has not received it to date.

Our complaint services are free and our team of expert mediators will assist in resolving complaints with businesses.

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Complaint Closing Statistics

0 complaints against Credit Defenders of America closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
0	Refuse to adjust, relying on terms of agreement
0	Unanswered

Other Information

Company Info

This company's business is providing debt managent and credit counseling services.

Primary Contact:	Ruben Gonzales (Manager)
Business Started:	N/A
Social:

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Licensing

Nonprofit credit counselors are exempt from the licensing requirement for companies performing similar services if, among the other requirements for exemption, they maintain a $25,000 bond with the Commissioner of Business Oversight.

You may verify bonding by calling the California Department of Business Oversight at (213) 576-7500 or visiting their website at http://www.dbo.ca.gov.

For businesses outside of California, please check with the agency that regulates this industry.

Government Actions

BCA has no information regarding government actions at this time.

Comments and Analysis

This company is providing marketing services and referring clients to Credit Foundation of America, a non-profit credit counseling organization with an unsatisfactory rating based on a pattern of erious complaint allegations. A separate report on that company is available upon request.

Any non-profit organization offering credit education, counseling, debt management or debt settlements which collects money to be distributed to creditors, may only charge $50, in advance as payment for offering education or counseling in connection with these services. Also, they may not collect more than 6.5% of the monthly disbursement or $20 whichever is less, as a monthly service fee. Debt settlement fees may never exceed 15% of the amount of debt forgiven and payment may not be collected until the debt is settled. They must also report quarterly to the consumer, the total payments received and total amounts paid to creditors. Any complaint received must be responded to within 5 business days, funds must be disbursed no later than 15 days after receipt, or by a scheduled reimbursement date, whichever is greater.

Other Considerations

We know of no other matter or practice relating to this company that may assist you in your consideration of this company.

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Additional Info

DBAs:
There are no additional DBAs.

Websites:
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Contacts:

Owner

Reputation Report

Credit Defenders of America

Complaints and Resolutions

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