Consumer complaint received 2024-03-11
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Cordoba Legal Group, PLLC. (NY)

In XXXX of XXXX, I reached out to a debt relief company to consolidate my debt and eventually on XX/XX/XXXX, I signed up with Cordoba Legal Group who stated that they would reduce my debt significantly between 50 % to 80 %. The contract stated that i would pay {$260.00} per month for the following debts : XXXX XXXX XXXX XXXXXXXX {$2100.00} ; XXXX. XXXX XXXX XXXX {$720.00} ; XXXX. XXXX  {$720.00} ; XXXX. XXXX {$630.00} XXXX XXXX XXXX XXXX {$460.00} ; XXXXXXXX XXXX {$410.00} ; XXXX. XXXX XXXX {$4900.00} ; with a grand total of {$10000.00} Cordoba Legal instructed me to stop making payments and communicating with my creditors because they would handle everything. When I asked about the impact on my credit score and the interest and fee charges if I stopped paying my debtors, they assured me that it would all be handled. Unfortunately to date all my debts have increased because of the interest being charged and my credit score has been obliterated. 
I made 13 payments of {$260.00} to Cordoba Legal group since XX/XX/XXXX which is a total of {$3400.00} and they only settled ONE debt, which was XXXX XXXX XXXX {$720.00} and they paid {$340.00} only. 
In XXXX of XXXX, I was informed that I had cancelled my contract with Cordoba. I reached out to their company to inform them that I had NOT cancelled my contract but had stated that I would consider cancelling my contract because they were trying to force me to agree on a settlement for XXXX XXXXXXXX to pay them more than my initial debt of {$2100.00}. 
I called Cordoba Legal multiple times without getting any help from customer service and supervisors but was always informed that someone would get back to me. and no one did. Eventually on XX/XX/XXXX, I spoke to XXXX XXXX whom I was made to believe was a supervisor. I explained that my contract was cancelled in error and my dissatisfaction with the service that I had received. I explained that I had been made to believe that they would reduce my debt and also make sure that it did not affect my credit score but instead the opposite had happened. XXXX told me that he would reinstate my contract and would get back in touch with me. As I write this complaint, I still have not spoken to XXXX XXXX again. I have called customer service multiple times since my initial interaction with XXXX, in XXXX, but I am always told that he is busy and apparently, he is the only person who can help me and no one else can assist at Cordoba Legal group which is ridiculous. 
I would like the assistance of CFPB to recoup my funds and Cordoba Legal Group to be investigated for unfair trade practices. Cordoba Legal group closed my account because they tried to force me to sign an unfair settlement offer and claimed I had closed my account, they failed to give me an explanation of how my funds were used, did not fulfil their promises to assist me consolidate my debts & to reinstate my contract which I had not closed, and they provided poor customer service as I called them multiple times and they refused to assist me.