Deuda Facil ratings, reviews and complaints - Credit Counseling and Management Services - For 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:

Some clients claim the company fails to pay creditors as agreed, and fails to provide proof of payment when requested. Other customers allege the company's initial and monthly service fees are excessive. One customer complains although he never signed a contract or agreed to services, the company claims he owes $75 for their phone consultation, and are pursuing the debt through collections. In another case, a complainant reports he contracted with the company to pay a single debt to a credit card company in the amount of $972. The complainant was required to pay a processing fee of $250 to Deuda Facil, and instructed to make monthly payments to a thrid party called Debt-Free America. The complainant made all required payments towards clearing his debt, but was advised by his creditor that no payments had been forwarded. All complainants request refunds.

The company responds to complaints by refusing most refund requests, explaining that clients agree to the initial fees and are advised they are non-refundable. Other complaints were addressed by pointing out that the clients did not cancel within the three day cancellation period. In one case, the company agreed to provide a payment history for a client for a charge of $25. They explain the $25 charge is necessary due to the fact the complainant was no longer their client.

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Complaint Closing Statistics

0 complaints against Deuda Facil 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 credit counseling.

Primary Contact:	Ramon Lerma (President)
Business Started:	1/1/2000
Social:

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Licensing

We know of no licensing or registration requirement for companies engaged in this company's stated type of business.

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 Debt Free America, a non-profit credit counseling organization in San Diego California. A separate report is available on that company at www.sandiego.bbb.org. According to the Deuda Facil Website, www.deudafacil.com, the company contracts for another non-profit organization called Pioneer Credit & Debt Consolidation.

California law limits the fees that a non-profit, debt management service can charge clients. In California, non-profits can charge a one-time fee, not to exceed $50. Said fees are to offset costs for education and counseling. In addition, charges cannot exceed 8% of the money disbursed monthly or $35 per month whichever is less. It appears that the fees Deuda Facil charges, exceed the amount permitted to be charged by non-profit organizations.

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:

Deudafacil.com

Websites:
There are no additional web sites.

Contacts:

Owner

Other Categories:

Debt Relief Services - requested information not provided to BBB

Reputation Report

Deuda Facil

Complaints and Resolutions

Other Information