Consumer complaint received 2026-02-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
I am submitting this formal complaint regarding my experience with National Debt Relief and what I believe to be misrepresentation, improper handling of designated funds, and unauthorized cancellation of negotiated settlements. 

I enrolled in National Debt Relief based on the clear representation that I would pay approximately {$7500.00} in total to resolve my debt. At the time of enrollment, my total debt was approximately {$10000.00} or less. I was told that, based on their calculations, I would complete the program having paid around {$7500.00}. This representation was the primary reason I agreed to enroll. 

As the program progressed, the total amount I have paid has continued to increase. At this point, I have paid nearly the equivalent of my original debt, while also suffering damage to my credit, prolonged financial stress, and significant emotional distress. Despite repeated requests, I have not been provided with a clear, final, written total of what I will ultimately pay to complete the program. 
In XXXX, I sent an additional {$2000.00} specifically designated to negotiate and settle my XXXX credit card account. I clearly communicated in both email and phone calls that these funds were to be used exclusively for a settlement with XXXX because I wanted to prioritize resolving that account and rebuild my relationship with that bank. 

Instead of applying those funds as instructed, National Debt Relief applied them to settle a different account that was not my priority. As a result, there were insufficient funds available to settle my XXXX account at that time. It then took an additional XXXX months of negotiations, and the final settlement achieved was only a 35 % reduction. 

When I questioned what happened to the {$2000.00} that I had specifically designated for XXXX, I was not given a clear explanation. Instead, I was informed that I would need to increase my deposits by {$81.00} per deposit ( XXXX deposits per month ), which represents an additional {$160.00} per month on top of the {$260.00} I was already paying. 
Additionally, I experienced what I consider to be unauthorized cancellation of negotiated settlements. In XXXX instance involving a XXXX settlement, I initially expressed hesitation and requested a brief moment to consult with my attorney before making a final decision. Within less than XXXX minutes, I attempted to accept the settlement ; however, I was informed that it had already been canceled without my authorization. A similar situation occurred with a XXXX settlement, where I felt pressured to accept under the warning that the settlement could increase if I did not agree immediately. 

Most recently, I was informed that if I accept a {$3000.00} settlement for my final remaining account, my total estimated program cost would be approximately {$10000.00}. However, I have repeatedly requested a final, confirmed written total and have only been provided with estimates. I believe that once a settlement amount is negotiated and known, the final program cost should be calculable and definitive. 

My concerns are as follows : Possible misrepresentation of total program cost at enrollment Failure to apply designated funds according to explicit instructions Unauthorized cancellation of negotiated settlements Pressure tactics related to settlement decisions Refusal to provide a clear, final written accounting of total program costs I am requesting that this matter be reviewed and investigated. I am also requesting assistance in obtaining a full written accounting of all funds paid, fees charged, settlement amounts, and the final total cost of the program. 

I am prepared to provide supporting documentation, including emails, call records, payment confirmations, and settlement letters. 

I enrolled in XX/XX/XXXX, and I am in the middle of the program today XX/XX/XXXX, and still have another XXXX  months to finish the program. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation