Consumer complaint received 2024-06-28
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC (GA)

High level overview : 1. Signed up for Clear One Advantage  in XX/XX/XXXX. 
XXXX. Had about XXXX in debt total. Agreed to {$480.00} a month to pay off debt. They told me they would hold the money in escrow until a settlement is made. They did not. They started taking the money out immediately. 
XXXX. About 6 months in I called to get an update because I never received any statements by email or by mail on where my money is going and the status of the debt. 
XXXX. They said they would fix the account so I can see the statements in the XXXX XXXX XXXX. Basically. They never have. I have yet to receive a statement. I have a witness to this phone call. 
XXXX. On XXXX XXXX. I got a call from XXXX XXXX with XXXX XXXX saying they needed to adjust my account to pay it off faster. I agree to start to pay an additional {$50.00} a month for the next 5 months starting in XX/XX/XXXX to get the debt paid off faster. 
XXXX. As a sales pitch. XXXX told me XXXX of my large creditors, XXXX XXXX and XXXX ( XXXX ) were paid off in XX/XX/XXXX to get me to agree to an additional {$200.00} a month for XXXX. I said NO. I can not afford that. The {$50.00} extra is tight, but I can swing it. 
XXXX. I called XXXX XXXX in XX/XX/XXXX to ask the status of my account because I saw a lot of {$5.00} interest charges and no complete pay off. 
XXXX. In XX/XX/XXXX they took out {$240.00} from my account without my permission. I never agreed to that. I have the written agreement proof. They lied to me about the amount being paid and lied to me about my debts being paid off. 
XXXX. In XX/XX/XXXX I called again to ask for statements. They said they are available on the portal and there is nothing there. I see where I put the money in, and they take it out. A year later. I still have no idea where my {$6200.00} went and I still do NOT know where it is. I suspect. Not 100 %. They paid the attorney 's 80 % and the debt 20 %. The only thing it says in the portal is " fees ''. 
XXXX. Now. In XX/XX/XXXX. I now owe XXXX  XXXX because they did not pay on any of the debt. Fees, penalties and now everything is in debt collection because of them. 
XXXX. XX/XX/XXXX. I received a summons from XXXX XXXX to go to court because according to the XXXX XXXX statement. They only paid the {$5.00} interest payment and did NOT pay the account off as promised. 
XXXX. I called XXXX XXXX to ask for a full refund and they refused saying it went towards the debt. Now. Today. A year later. They said they will send me the statements. I have screenshots of where I tried to find my statements on the site. There are NO links to any statements. 
XXXX. I spoke with XXXX XXXX in the complaint department on XX/XX/XXXX. She said she would see what she could do. She also did NOT tell me she is an attorney that represents ClearOne Advantage. 
XXXX. XX/XX/XXXX, she emailed me and basically talked about how they are not legally obligated to give me any of my money back and would offer me {$500.00} as restitution. I replied and told her they broke the contract when they took money out of my account without my permission. 
XXXX. Now my debt is at $ XXXX because they did not settle any of the debt. None of it has been paid off. I am out XXXX XXXX, and they refuse to help. My credit score was XXXX when I entered the agreement and is now below XXXX. 

I don't know what to do at this point. They have lied to me every step of the way. They paid their attorneys but not my debt. They did hold up any part of the agreement. Now it is XXXX. fraud, deception, trust, unethical practices, false promises, and theft.