Consumer complaint received 2025-07-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Prodebtco LLC
State: MI

Complaint narrative:
Company Name : American Credit Card Solutions ( ACCS ) Product : Debt settlement Issue : Fraud or scam / Company took fees but did not deliver services Description : In XX/XX/XXXX, I signed up with American Credit Card Solutions ( ACCS ) to help consolidate and pay off my credit card debt, in particular with XXXX. I inevitably signed up with ACCS because an agent, XXXX XXXX, sold me on the premise they specifically sealed with XXXX and their collection agency and on average settled their clients debts around 50 %. As very strictly instructed by their representatives, I immediately stopped all payments to my creditors and ceased communication with them, including with my XXXX credit card account, which had a very high outstanding balance and the account I was most concerned about. 



I was told ACCS would take over negotiations on my behalf, and I began paying monthly fees to them. For approximately 9 months, I paid ACCS {$1900.00}, under the belief that they were actively managing and negotiating my debts. In XXXX and XXXX I called numerous times to speak with a representative because I was worried they had not been in touch with anyone at XXXX, since it was now in collections. They have a website where I was told to update information, but I was never able to upload anything because the feature did not work, so I called in as often I could with updates on what was going on. I was extremely worried about the threats the collection agency said they would take if I did not respond. ACCS representatives said they had everything taken care of, not to worry, and someone was handling my account. 



In XX/XX/XXXX, I was shocked to be served with a legal summons in front of my husband and children for the unpaid XXXX account. I received no warning or support from ACCS leading up to this. When I contacted them after being served, their communication was uncaring, slow and vague. Eventually, they settled the debt for the exact original amount oweddespite having taken fees from me for months and offering no evidence that any prior negotiation efforts were made. I emailed XXXX XXXX after this all had happened and he never bothered to respond to me, even though he " personally '' gave me his phone number and email address to contact anytime I needed help. No one ever responded to me when I was deeply distraught through this process, I had to call in and hound their " legal team '' just to find out if I needed to appear in court. 



I feel I was misled, beyond emotionally distressed, and left legally and financially exposed due to ACCSs negligence. I trusted their advice, and instead, I was taken advantage of. The amount of stress and anxiety this caused my family is immeasurable. The worst part is this company showed XXXX sympathy, since I never received a reply to my texts, email or calls. I am seeking a full refund of the fees I paid to ACCS for services they did not deliver. 



I am sincerely requesting that the CFPB investigate this companys practices and hold them accountable for deceptive and harmful business conduct.

Company response to consumer: Closed with monetary relief