Consumer complaint received 2026-05-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: MD

Complaint narrative:
NDR provided only partial information. They eventually told me who currently owns the XXXX account, but only after multiple requests. They did not provide the XXXX balance, settlement status, payment history, or any explanation for why payments stopped. NDR did not provide : A full accounting of my escrow funds A full accounting of XXXX fees Documentation for XXXX ( balance, settlement terms, payment history, negotiation history ) Documentation for XXXX ( settlement terms, payment history, explanation for lost settlement ) Required program disclosures Creditor communication logs Explanation for why XXXX fees were charged without active settlements Explanation for why the program cost increased to {$32000.00} Explanation for contradictory statements about my XXXX settlement Most of my requests were either unanswered or answered with contradictory information that did not match my dashboard or creditor records. Program Enrollment and Payments ( XXXX ) Enrolled in NDR program in XXXX. Made regular monthly deposits into NDRs escrow account. By XX/XX/XXXX, my escrow balance was {$2000.00}. NDR settled two accounts ( XXXX and XXXX XXXX ). My two largest accounts XXXX XXXX XXXX XXXX ( XXXX ) and XXXX remained unresolved or unclear. XXXX. XXXX Account Issues ( Late XXXX ) NDR stopped making payments to XXXX without explanation. I repeatedly requested : Current XXXX balance Settlement status Payment history Reason payments stopped NDR eventually told me who currently owns the XXXX account, but : They did not provide the balance They did not provide settlement terms They did not explain why payments stopped They did not provide documentation of any negotiations XXXX. XXXX Settlement Contradictions ( XXXX ) My NDR dashboard showed : Settlement Finalized XX/XX/XXXX payments made Estimated payoff date : XX/XX/XXXX Despite this, NDR repeatedly told me the XXXX settlement was lost due to changes in my deposit schedule. On XX/XX/XXXX, I contacted XXXX directly. They informed me the account had been charged off to XXXX XXXX XXXX, a law firm. XXXX XXXX XXXX confirmed the settlement was still active, with : Remaining balance : {$3300.00} Monthly payment : {$380.00} Due date : last day of each month They would accept payments directly from me This contradicted NDRs statements that the settlement was lost. XXXX. Requests for Documentation ( Early XXXX XXXX ) I repeatedly requested the following information from NDR : Full accounting of escrow funds Full accounting of XXXX fees Discover balance and settlement documentation XXXX settlement documentation Creditor communication logs Required program disclosures Explanation for XXXX fees charged without active settlements Explanation for program cost increase NDR did not provide most of this information. Some answers were contradictory or incomplete, and did not match my dashboard or creditor records. XXXX. Program Cost Increase ( XXXX ) My original enrolled debt was approximately {$43000.00}. NDRs projected program cost increased to {$32000.00}, despite unresolved accounts and contradictory settlement information. NDR did not explain this increase. XXXX. Revocation and Termination ( XX/XX/XXXX ) After confirming my XXXX settlement directly with XXXX XXXX XXXX, I took the following actions : Revoked NDRs authorization to debit my bank account ending in XXXX. Requested my bank to block all future ACH withdrawals from NDR. Terminated the NDR program in writing. NDR responded only with a generic message stating my inquiry was escalated, without addressing termination or providing the requested documentation. I have used AI ( XXXX XXXX ) to generate and condense some of this information. But what I can say is that this has been very confusing from the get-go. To date, my biggest issue is that XXXX has not been settled despite them sending me multiple settlement offers which I have accepted. Then when I would log back into my NDR account, it would say that payments had not resumed. they have charged me fees for XXXX even though XXXX has not been getting paid. If I were to continue on the trajectory that XXXX has proposed I would have paid MORE to them than the total amount of debt I entered with. I fully believe that they are taking advantage of me and possibly others who are in this situation. Clearly NDR does not take my verbal or written concerns seriously which is why I needed to involve the CFPB. If needed I can provide copies of all of the emails and screenshots that I have acquired over the years. I have attached some, but not all.

Company response to consumer: Closed with explanation