Nonprofit Alliance of Consumer Advocates ratings, reviews and complaints - Loan Modifications Advance Fee

Complaints and Resolutions

Total Amount in Dispute:
$31.00

Total Amount Settled:
$0.00

Complaint Experience

100%

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:

Our complaint history for this company shows that the one complaint brought to the company’s attention was responded to and given proper consideration.

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

1 complaints against Nonprofit Alliance of Consumer Advocates closed in last 3 years.

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

View summaries of the complaint descriptions and responses.

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Other Information

Company Info

We are a non-profit legal clinic.

Primary Contact:	Purandar Amin (Director)
Business Started:	N/A
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

Effective October, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All modification services must be fully completed before any money can be collected. It is also illegal to divide fees or services into components for the purpose of avoiding this law.

HUD approved housing counseling agencies are exempt from this law. For businesses outside of California, please check with the agency that regulates this industry.

In regards to credit repair offers, our experience with similar offers is that they advertise various credit services which they claim are designed to provide assistance to consumers with poor credit histories to improve their rating by removing negative items or creating a new credit file.However, clients of these types of offers generally complain that their credit histories do not improve, that they are unable to contact the company making the offer, and ultimately that refunds for failing to provide the promised services are not provided.

By law, information stays on your credit report for seven to 10 years. Accurate negative information can only be removed by with cooperation of your creditors, and this usually involves paying all or some of the debt. If you believe your credit report contains erroneous information, you may dispute the entry by calling or writing the the credit reporting agency. While in dispute, the negative item may be removed temporarily from your report, however it will be added on again if determined to be valid.

According to California Law, it is unlawful for any entity offering to improve or repair your credit to charge fees in advance of performing those services, even if properly registred and bonded with the California Attorney General's Office.

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

Other Considerations

On December 9, 2021 and October 15, 2021, Business Consumer Alliance (BCA) wrote to Nonprofit Alliance of Consumer Advocates (NACA) requesting information and documentation regarding their services. Some of the requested information includes:
• NACA's State Bar license to provide legal services
• Copy of NACA's C.H.A.M.P. package
• List of 3rd party affiliates that provide services for NACA clients
• Copy of the contracts NACA clients are provided from the 3rd party affiliates
• Copy of the materials and information given to client regarding the consumer protective products and services not included in the no fee agreement.
• Information regarding their Charity filing with the Department of Justice
• Clarification of their contract.

To date, the company has not provided all information requested although they replied that they would.

BCA urges caution. We believes the company may be charging advance fees for services including mortgage relief and credit repair services.