Consumer complaint received 2024-07-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MI

Complaint narrative:
I was working with a debt restructing company, starting in XX/XX/XXXX. My enroller in the program was XXXX XXXX XXXX from XXXX XXXX. I was told they would work with my creditors to negotiate pay offs and eliminate my debt in 48-54 monthes. I signed up for the program and found they used Global Holdings LLC for the money portion of the program and XXXX XXXX XXXX was the attorneys and negotiation company. I was told to not pay on the debts so that they could negotiate. I did not hear anything from the company and I called multiple times to find out what was happening with my accounts since I was starting to get collections notices and offers to settle my accounts. I spoke to the call center a few times between XXXX and XXXX and they informed me that they had no updates for me. I even text messaged the lawyer who had called me to help set his all up XXXX XXXX XXXX XXXX ) XXXX on XX/XX/XXXX. I was told to contact XXXX XXXX XXXX at ( XXXX ) XXXX, she informed me that I had only been in the program a few months and Client Support could help. On XX/XX/XXXX I called XXXX XXXX XXXX again to get an update and there was a strange message about no longer being able to represent. I called after work and spoke with a representative from XXXX XXXX. She informed me that they were no longer able to negotiate on my behalf because they were being sued. I could wait it out or cancel my account. I immediately started making calls to my creditors to tell them what had happened. XXXX informed me they had no records of my accounts being in negotiation and that my debt resolution company had never contacted them.. Since I admitted the truth to them, they could not discuss my account with me until I was no longer with that company. I contacted a lawyer to discuss bankruptcy or my options to recover from this. She recommended I did cancel with XXXX XXXX XXXX. I called XX/XX/XXXX and canceled my account. I received a check minus all the FEES these two companies charged me. In total I paid them {$7100.00} and only received a refund of {$5900.00} They have kept {$1100.00} in fees that in my opinion, they did nothing to earn such fees as my creditors were never contacted. I have attached a copy of the statement they sent me. As you can see they collected. 
Retainer fees of {$75.00} X XXXX = {$150.00} Admin fees {$4900.00} X XXXX {$99.00} Service fees {$410.00} X XXXX = {$820.00} and a Monthly Service Charge {$10.00} X XXXX = {$65.00} Upon canceling, I asked about the fees and the refund of them since there was no work done on my behalf. Global informed me to file a complaint with CFPB, so this is what I am doing. They have not worked with me the since the minute I signed the paperwork. As far as I am concerned this entire set up was a scam meant to pray upon people looking to resolve debt. I have been forced to file bankruptcy. I would appreciate any help you can offer in recovering the money they took from me.

Company response to consumer: Closed with explanation