Consumer complaint received 2024-02-15
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Cedars Business Services, LLC (PA)

Initially, I had signed up with a XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) with my XXXX credit card on XX/XX/XXXX. I had electronically signed it through docusign at that time. I never heard anything from them until XX/XX/XXXX and to current. I have never received postal mail or phone calls from XXXX, only emails and texts! XXXX also goes by XXXX and now Cedars Business Services , LLC. I still have the email saved from docusign, but Im unable to go into it and pull up the contract since time has passed significantly. 

On XX/XX/XXXX {$330.00} was taken out of my bank account at that time. Since then, I had closed that bank account and have opened a new one. I had asked my bank for the phone number to see why the transaction took place. I spoke with an agent from XXXX, I requested and received a copy of the contract. I have saved all emails and correspondence however, the contract only indicates the routing number to the checking account and not the account number on it. The agent proceeded to tell me that I had signed the contract and that I was charged a fee of $ XXXX which is percentage fee of said debt amount at that time and it correctly equaled to XXXX years worth of the lump sum amount of {$330.00}. The agent told me that my full fee amount is {$600.00}, and that I now only owe {$270.00} said XX/XX/XXXX besides the amount of my debt at that time. I didnt officially close the bank account until mid XX/XX/XXXX because once again another {$12.00} transaction was debited from my checking and when I noticed the fee I immediately closed the account. I, then notified my bank and they were unable to investigate or assist me due to the transactions made because they were XXXX, which means I had given the routing and account number. 

Since XX/XX/XXXX, I have communicated and worked directly with XXXX and I even had signed up with a better program through them that offered a XXXX percent interest rate and have lowered my debt significantly without XXXX XXXX XXXX XXXX XXXX XXXX Or whomever they may be. 

I reached out to XXXX card as well and they were able to look into correspondence archives from XXXX. I have those correspondences too. However, ASCs correspondences to Discover card was requesting payment from XXXX when ideally a debt management company is supposed to disburse payment to Discover, but they never did that and Discover ignored XXXX requests because I would pay XXXX directly not to XXXX. XXXX was very successful to helping themselves to my money for the fee and threatening emails and texts that I would have wages garnished and will now report to the credit bureaus. Cedars Business is still indicating that I owe {$600.00} when they had generously helped themselves {$340.00} in total. I am tired of the monthly texts and emails from cedars. I have also googled XXXX address from XXXX XXXX, CA and It is a business office, but it was for sale! No businesses were located and I had intended to reach out to the realtors, but decided not to. I have not replied to any of these emails and texts. I rather not. I have dealt with enough harassment from them.