Consumer complaint received 2026-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Americor Funding, LLC
State: FL

Complaint narrative:
Hello! I'm XXXX, your virtual assistant with Americor. I'm here and ready to help you today! How can I assist you today? XXXX 41m Becasue I was laid off in XXXX and because duplicate deposits were made, I am unable to make the next deposit due in XXXX. Please cancel that deposit and let me know how to proceed in the future until I find a job. XXXX 40m If you are unable to make your next scheduled deposit in XXXX, you will not be dropped from your program. However, missing or adjusting a deposit could cause your settlement agreements to fall through and require renegotiation, which may result in less favorable terms. To avoid any complications, please make changes to your deposit schedule at least 5 days before the scheduled date. You can request to skip, reschedule, or change your deposit by following this link : XXXX : XXXX? XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % 80 % XXXX % XXXX , % XXXX % XXXX % 80 % XXXX % XXXX! % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % 80 % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % 80 % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX. Please keep in mind : - Adjusting your deposit schedule may extend your program and delay debt settlement completion. - Changing deposit amounts could impact negotiations with creditors. - Some settlement agreements depend on your current schedule, so changes may require new negotiations. If you need further guidance or have questions about your specific situation, please let me know. Do you need clarification on how to proceed or help with the deposit change link? XXXX 39m i am unable to change/delete XX/XX/XXXX deposit XXXX 36m If you are unable to change or delete your XX/XX/XXXX deposit using the provided link, it may be because certain conditions for making changes online have not been met. This can happen for a variety of reasons, such as timing or account status. To get further assistance, you can request to be transferred to a live agent who can help you with your deposit issue directly. Would you like me to transfer you to a live agent? XXXX 35m If you need more help with your deposit or have any other questions, please let me know how I can assist you. How can I help you further? XXXX 34m live agent XXXX 34m Sending to operator successful. Please wait for connection The average wait time for a live agent response at the moment : 4 minutes XXXX 33m Hello? XXXX 22m XXXX XXXX joined the conversation Hello, thank you for chatting with Americor. My name is XXXX. Please give us a brief moment while we pull up your account. We do apologize for the longer than normal wait time! We are currently experiencing a high chat and call volume. We appreciate all of your patience! XXXX 22m Thank you for your patience, I can help you with a deposit change for XX/XX/XXXX. I am required to go through a disclosure with you here before I can proceed. If you decide to move this deposit, please understand the serious impact it will have. Moving this deposit will likely cause the settlement agreement to become null and void. This means all the money you've paid will still count toward your balance, but all fees and interest that we've successfully stopped will be added back in. Additionally, the reduced settlement rate we secured with your 3 creditors of 53 % will be lost, and we won't be able to reach that agreement again, potentially leading to higher settlement amounts. So, before you choose to move this deposit, are you absolutely sure you're prepared to face the consequences of this decision, fully understanding the financial situation you'll be putting yourself into? XXXX 17m WOW! This sounds like a threat! I want to know the 'new'terms before I make any change... This sounds illegal at best! XXXX 15m This is the disclosure we are required to go through with the client to ensure we make you aware of the possible consequences of moving or making changes to your pay schedule if funds are not available in the dedicated account to pay the creditor per the settlement agreement. Did you want to proceed with the change? XXXX 14m I will report this to authorities... Leave my XX/XX/XXXX deposit of XXXX as is for now ... ONLY ONE DEPOSIT, NOT 2. NEXT DEPOSIT AFTER THAT SHOULD BE XX/XX/XXXX XXXX 12m Understood, was there anything else I could assist you with at this time? XXXX 10m please send me a pdf format of this transcript... XXXX 8m Unfortunately, I wouldn't be able to send out a transcript of the chat. XXXX 7m

Company response to consumer: Closed with explanation