Consumer complaint received 2026-03-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Consolidated Credit Solutions, Inc.
State: CA

Complaint narrative:
I enrolled in a debt management program with Consolidated Credit Solutions on XX/XX/XXXX after being referred while attempting to resolve my account with Chase prior to charge-off which would have been on XX/XX/XXXX. I signed enrollment documents via DocuSign and began making payments to Consolidated Credit. The following payments were made to Consolidated Credit : XX/XX/XXXX {$49.00} ( onboarding fee ) XX/XX/XXXX {$240.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$240.00} ( later reversed on XX/XX/XXXX as NSF ; no net payment for XXXX ) XX/XX/XXXX - {$29.00} ( after I already cancelled and put a stop payment at my bank. Unauthorized charge ) Total net paid to Consolidated Credit : {$560.00}. On XX/XX/XXXX, I spoke with XXXX representatives at Chase who confirmed verbally that only XXXX payment of {$200.00} was received from Consolidated Credit on XX/XX/XXXX. I do not have written confirmation as the account is currently with attorneys and online access is restricted. This leaves {$360.00} unaccounted for. Consolidated Credit later stated that no finalized agreement was ever completed with Chase. I was told verbally that additional documentation required my signature and that I failed to sign it. However, the written notice I received from Consolidated Credit stated that the creditor required a higher monthly payment and that my payment had been adjusted. The notice did not indicate that any additional signature or action was required from me.There was no clearly presented document requiring signature, and no communication clearly stating that the agreement would not proceed without further action from me. I formally canceled my enrollment in writing on XX/XX/XXXX and requested : Written confirmation of cancellation A complete transaction ledger Itemized breakdown of fees Refund of membership fees and any funds not disbursed to the creditor I followed up on XXXX more occasions, the last correspondence from me being on XX/XX/XXXX and Consolidated Credit has not responded to my cancellation or refund demand. Instead, they continue sending automated payment reminder notices through their portal. I have revoked ACH authorization through my bank and blocked further withdrawals to prevent unauthorized debits. I gave them ample time to respond and this morning, after I revoked ACH authorization and canceled the program in writing, the company charged an additional {$29.00} membership fee to my bank account on XXXX. This debit occurred despite my written cancellation and bank block. They also sent me a confirmation that there would no longer be any ACH withdrawals from my account made in a letter on XX/XX/XXXX which they violated by charging me this morning. I am disputing this charge with my financial institution and have attached documentation of the transactions. My concerns are as follows : XXXX. Membership fees were charged despite no finalized creditor agreement being in place. XXXX. Funds collected from me were not fully disbursed to the creditor. XXXX. Written communication from the company contradicted later verbal explanations regarding required documentation. XXXX. The company has failed to provide a full accounting or respond to written cancellation and refund demands. XXXX. Additional membership fees were withdrawn without authorization from my bank account after autopay was canceled and stop payments were done through the bank. I believe the company misrepresented the status of my account and failed to provide clear disclosure regarding the absence of a finalized creditor agreement while continuing to collect fees.

Company response to consumer: Closed with explanation