Consumer complaint received 2025-08-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Cordoba Legal Group, PLLC.
State: CO

Complaint narrative:
Ultimately, I failed to experience the benefit and eliminated debt that company represented when I signed up for services, as XXXX had completely oversold the nature of its services. 
the company 's failure to act led to significant harm to my financial well-being, contrary further to its claims, to be further diminishing my obligations defaulting incurring further fees, Collections causing horrible damaging to my credit file XXXX, When the monthly fee of {$330.00} was taken from my bank account starting XX/XX/XXXX, it was not until XX/XX/XXXX that I received my first notification that XXXX of my debts creditors had agreed to settled for {$770.00}, A full XXXX  months after I had signed up for program, and was informed that my payments would go up to {$400.00} for next XXXX  months, and then a few days later I was told another account was willing to settle for {$1300.00}, not quite half of the total of which what was initially promised, of course both accounts had accrued XXXX  months of non payment penalties and I was told that my XX/XX/XXXX payment would have to be {$430.00} as well as my payments up until XXXX of XXXX, of which then my XXXX through XX/XX/XXXX payments were to be {$370.00}, of which I stopped paying up until this XXXX XXXX and the program states that I would still have to pay {$33000.00} from XX/XX/XXXX until XX/XX/XXXX. Now after adding up all of the following payments that were increased. And to mention that XXXX of the major creditors were not handled, even after I received a message saying that XXXX of them reached a settlement which would had been for only about 40 %, but Was XXXX that actually sent me to collections just days after of which I received a postal notice XXXX of XXXX, I received only XXXX other offer of settlement that I was aware of totaling {$570.00} XXXX. That said with the payment increases starting back in XX/XX/XXXX of which I had paid an extra {$140.00} f payments I made in XXXX for XXXX XXXX until I decided I was wronged by the company, and XXXX  months than {$400.00} for the XXXX months into XX/XX/XXXX and then the {$18000.00} for last XXXX, my actual total payments to them at {$6300.00}. of which I would only owe them {$1400.00}. and that would be if they actually settled all XXXX accounts. The XXXX accounts that they have not settled would be ones that are now in collections and total over {$3200.00} XXXX after researching recent credit inquiry it was learned that the from XX/XX/XXXX to XX/XX/XXXX that only {$200.00} was paid to XXXX of the accounts balances leaving {$2000.00} owed on account, a second account that was supposed to be the XXXX negotiated to {$570.00}. was from XX/XX/XXXX XX/XX/XXXX the balance was decreased by only {$160.00}. and still has balance of {$1200.00}. A XXXX account had only {$200.00} paid between XXXX to XX/XX/XXXX and still has a {$900.00} balance A XXXX account that apparently went to collections had {$510.00} paid from XXXX to XX/XX/XXXX, and still has a balance of {$1200.00} And the supposed XXXX of the XXXX that were supposed to paid and I was told that XXXX of the accounts was actually paid off through the program, actually shows as of XX/XX/XXXX a balance of {$1400.00} on a credit limit of {$1000.00}. which was I was in good standing with all of my creditors up until I made agreement with the company, paying at least the minimum with high interest credit, and since I had joined the Company 's program there has been XXXX late payments on the XXXX accounts possibly more and shows that XXXX non payments/derogatory payments are on credit report all dating back on XXXX of the accounts Since XX/XX/XXXX until XX/XX/XXXX leaving XXXX XXXX  hits against credit and totally destroying any chance to actually recover within an acceptable time. With the minimal results of which didnt even truly materialize and was told lies over a year and a half later. 

XXXX. Furthermore, I continued to experience constant calls and other communications from creditors, contrary to XXXXXXXX XXXX claims that they would handle all communications. XXXX. Frustrated, distressed, and concerned over company 's conduct, I have suffered concrete harm as a result of company 's actions, including but not limited to, emotional distress, aggravation, mental anguish, pecuniary loss stemming from the unnecessary payments made to company, further out of pocket expenses, as well as numerous violations of her state and federally protected interests to be free from deceptive and misleading conduct on the part of purported credit repair organizations. The company Has VIOLATIONS OF THE CREDIT REPAIR ORGANIZATIONS ACT, 15 U.S.C. 1679B ( A ) VIOLATIONS OF THE CREDIT REPAIR ORGANIZATIONS ACT, 15 U.S.C. 1679B ( B ) 34 VIOLATIONS OF THE CREDIT REPAIR ORGANIZATIONS ACT, 15 U.S.C. 1679B ( C ) 40 VIOLATIONS OF THE CREDIT REPAIR ORGANIZATIONS ACT, 15 U.S.C. 1679B ( D ) 46 VIOLATIONS OF THE CREDIT REPAIR ORGANIZATIONS ACT, 15 U.S.C. 1679F 52 VIOLATIONS OF THE FLORIDA CREDIT SERVICES ORGANIZATIONS ACT, XXXX XXXX. XXXX XXXX VIOLATIONS OF THE FLORIDA CREDIT SERVICES ORGANIZATIONS ACT, XXXX XXXX. XXXX XXXX VIOLATIONS OF THE FLORIDA DECEPTIVE AND UNFAIR TRADE PRACTICES ACT, XXXX XXXX. XXXX XXXX BREACH OF FIDUCIARY DUTY

Company response to consumer: Closed with monetary relief