Consumer complaint received 2017-06-04
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I hired Global Client Solutions for debt consolidation and credit repair. XXXX XXXX of XXXX XXXX suddenly became my attorney representative. She promised me things that were different than what the contract stated, because the contract was just a formality. She pledged to do everything she could to help me. She never did a thing except pocket my money. The total debt was $ XXXX. The contract price was $ XXXX. They messed up and did n't send payment in to a creditor and I ended up getting a judgement against me for $ XXXX. That being said, I had already paid over $ 4K into it. So, I was now out $ XXXX. I called around XXXX of 2014 to get my " payoff quote, '' because I wanted to be out of debt and move on with my life. I found out that XXXX XXXX no longer worked there, in fact they had never heard of her, nothing had been paid or settled, all the money was gone to fees and the lady on the phone refused to send me anything in writing, but she wanted me to wire in thousands of dollars to fulfill my contract, which she told me was now $ XXXX. That 's the point that I knew all of my money was gone and that it was a scam. They had n't paid anything, nothing had been settled. The creditors were instructed to not contact me anymore, so I had no idea what was going on. Every time I called Global Client Solutions and asked for the status of progress on my accounts to be sent to me in writing, they said they would get the info to me and then never did. When I pulled my credit, the story was even worse. I was now out $ XXXX, my credit was absolutely ruined, I now had a judgment on my record that should have never been there and at this point still, my credit is so bad that I ca n't refinance my car, rent an apartment, get a job at a bank, etc ... I was trying to do the right thing by hiring an attorney to help me settle my debts. That money never went to the creditors and I never even knew for over a year that this was happening. The money I sent Global Client Solutions and XXXX XXXX, I could have used to pay necessary living expenses. One of the reasons why I wanted this service is because sometimes creditors say they will settle with you and refuse to put things in writing, so you pay them and they still say you owe money. So, I thought this service was going to straighten all of that out for me. They did none of it. I complained to the Florida XXXX against XXXX XXXX and they entered her into a diversion program. She never even notified me that she was no longer with Global Client Solutions, who has been in trouble with your institution before. I think that 's why she left, because Global Client Solutions got caught and she just took my money and ran. Secondly, I did complain to the Attorney General in Florida and they told me about the CFPB going after Global Client Solutions in 2014 for the exact same thing as they did to me. I even filed an Identity Theft Report and went to the local police station to file a police report. I realized that by proxy, XXXX XXXX and Global Client Solutions used a scam to steal my identity and collect fees from me that were meant to pay my creditors. I was promised goods and services that I never received while she represented herself and Global Client Solutions to my creditors as my representative. To me that is a very sophisticated form of identity theft. I tried to get these items removed from my credit report, since I had paid for them, but they never received the monies that XXXX stole. The credit bureaus do n't recognize this scam as identity theft yet, because it is such a complete and sophisticated scam. I did n't realize for over a year that my creditors were n't getting paid, meanwhile my credit was ruined and I had no idea, because I was paying hundreds of dollars a month for a service headed by an attorney who had the utmost fiduciary duty to me to perform the tasks she promised to do. She deliberately stole from me and my life, not just my credit, has been ruined ( no car, no job, no house, no credibility ). We live in a world where credit dictates who we are and what we have access to. She took advantage of someone who was already struggling and I thought I was being proactive in trying to responsibly fix my financial troubles. What she did should have led to her disbarment, but this being the sophisticated scam that it is, she got away with a slap on the wrist.

Company response to consumer: Closed with explanation