Consumer complaint received 2025-11-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Clarity Debt Resolution, Inc
State: TX

Complaint narrative:
Dear Clarity Team, I am writing a third request regarding my account with XXXX Bank, account number XXXX, Clarity account #.... XXXX I recently received a settlement letter from your company stating a higher payment amount, yet I have not received any documentation confirming that negotiations with my creditor occurred. 

Under federal and state consumer protection laws, including the Federal Trade Commission rules governing debt relief services, I am entitled to proof of all communications and agreements made on my behalf. 

I hereby demand that you provide, within XXXX business days : XXXX. Copies of all communications with my creditor regarding my account. 
XXXX. Any written settlement offers or agreements made on my behalf. 
XXXX. A clear explanation of the settlement amount stated in your letter. 
XXXX. Provide proof of communication with XXXX Bank account... # XXXX and Prosper account .. # XXXX regarding negotiations that took place in or around XX/XX/XXXX to XX/XX/XXXX. This documentation is needed to verify the status and history of discussion conducted on my behalf concerning my account with XXXX Bank and XXXX. 

Please include any relevant records such as : -Copies of emails or letters exchanged with XXXX Bank and Prosper from XX/XX/XXXX to XX/XX/XXXX before XXXX bank filed a citation, before Prosper filed citation. 
-Notes of summaries of phone calls. 
-Confirmation of submission or acknowledgment from XXXX Bank and XXXX regarding the negotiations. 
- A writing explanation detailing why negotiations with XXXX Bank and XXXX did not proceed successfully or failed to produce the expected outcome before XX/XX/XXXX. 
-Written explanation why payments were not made to Prosper account from XXXX XXXX. 

Also, I would like to understand why my monthly payment was not charged or withdrawn from my account in XX/XX/XXXX. To my knowledge, all necessary authorizations and payment methods were active during that period, so I would appreciate a detailed explanation. 

Secondly, I would like an explanation as to why legal fees were removed from my account between XXXX and XXXX XXXX was not notified in advance of these deductions, nor have I received any documentation explaining their purpose or authorization. This lack of communication and transparency is concerning, especially since I was subsequently billed for the same fees. 
Recently, XX/XX/XXXX, XXXX of your representatives contacted me to ask where I wanted to move legal fees back to my account as I was removed from my account from XX/XX/XXXX. 
This call raised additional concerns, as I had not previously been informed that fees were being adjusted or billed this way. 


Failure to provide this information may constitute a violation of consumer protection law, and I receive the right to report this to the FTC, my state Attorney General, and other regulatory authorities and credit bureaus. Explore legal remedies, including recovery of any improper fees or payments. 

Sincerely,

Company response to consumer: Closed with explanation