Consumer complaint received 2026-04-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Advisors Foundation
State: MA

Complaint narrative:
In XX/XX/XXXX I enrolled in a debt management program ( DMP ) with Credit Advisors Foundation. I have paid {$620.00} per month since enrollment over {$10000.00} to date. Prior to enrolling, I had a perfect payment history. Not XXXX late payment on any of these accounts. XX/XX/XXXX Account XXXX : XXXX XXXX ( XXXX Bank, ending XXXX )XX/XX/XXXX This account was included in my program. Credit Advisors failed to negotiate or make payments on it. I began notifying my account manager in writing in XX/XX/XXXX that XXXX was reporting missed payments. I sent multiple emails over more than a year. She never told me the account was excluded or that there was any problem with it. When I received a letter from XXXX threatening a charge off, I contacted XXXX Bank directly in XX/XX/XXXX. They confirmed no proposal had ever been submitted for this account while confirming they had received and processed a proposal for my XXXX card, also issued by XXXX Bank. Credit Advisors knew how to contact XXXX Bank. They simply did not do it for XXXX. When I threatened to report them she finally handled it, but the late payments remain on my credit report. XX/XX/XXXX Account XXXX : XXXXXX/XX/XXXX On XX/XX/XXXX, my account manager informed me in writing that the XXXX proposal had not been approved, and told me I could take it on myself. I spoke to her on the phone and told her this was impossible since I was already paying over {$600.00} a month and the deal was they would cover all of my cards except for my XXXX XXXX, XXXX, and XXXX XXXX. She committed in that same email to ensuring the account received its required monthly payment to avoid late payments. I thought it was handled. The account is now XXXX to XX/XX/XXXX days past due with {$580.00} past due as of my most recent credit report. The last payment made was XX/XX/XXXX. Notably, Credit Advisors was making payments on the XXXX account for several months before stopping without notifying me. XX/XX/XXXX The Pattern :XX/XX/XXXX I now have XXXX accounts with serious late payment marks on my credit report. I am hopeful the XXXX card is handled, but it took over a year of emails and every late payment was acquired after enrolling in this program, all while paying Credit Advisors faithfully every month. I went into this program with perfect credit. I trusted them to manage these accounts. They failed on at least XXXX accounts, ignored my repeated written requests, and have now offered no timeline or concrete plan for resolution. XX/XX/XXXX What I Am Requesting : XX/XX/XXXXI am requesting that the CFPB investigate Credit Advisors Foundation. I am requesting that Credit Advisors be required to remedy the credit damage they caused, including contacting XXXX Bank and XXXX to request removal of all late payment marks resulting from their failure to pay and failure to act on their written commitments. My last email to them, they answered all of my questions about the XXXX card but ignored my inquiry about my XXXX card. XXXX XXXX XXXXXX/XX/XXXXXXXX

Company response to consumer: Closed with non-monetary relief