Consumer complaint received 2026-05-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Palisade Legal Group, PLLC
State: MA

Complaint narrative:
In XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX XXXX ( email : XXXX ), who solicited me to enroll in a debt-relief program. During our enrollment conversations, XXXX explicitly represented to me that the program would consolidate all of my outstanding debts and that the company would make the payments to my creditors on my behalf, provided I made monthly payments to them. These monthly payments were automatically withdrawn from my bank account through a third-party payment processor called XXXX ( also referenced as XXXX XXXX ). I was assured that this was a legitimate debt-consolidation arrangement and that my creditors would be paid directly through this structure. After enrollment, my account was transferred to Palisade Legal Group , PLLC without my knowledge or consent. I was not notified of this transfer, asked to consent to it, or given the opportunity to decline. I continued making the agreed-upon monthly payments in good faith, believing my enrolled debts were being paid by Palisade as XXXX from XXXX XXXX had originally represented. Between XXXX and XXXX, I paid over {$5600.00} through the XXXX payment system. Palisade sent me at least one settlement confirmation during this period for my XXXX account ending in XXXX, dated XX/XX/XXXX, in which Palisade represented they had reached an agreement to settle the {$4600.00} balance at 45 % ( {$2100.00} ). This communication reinforced my belief that the program was functioning as represented and that my other enrolled debts were being similarly negotiated and paid. In reality, the majority of my enrolled accounts were never settled or paid. Between approximately XX/XX/XXXX and XX/XX/XXXX, multiple accounts went delinquent or were charged off, including accounts with : XXXX XXXX ( account ending XXXX ) XXXX XXXX XXXX XXXX XXXX ( account ending XXXX ) XXXX XXXX ( account ending XXXX ) XXXX XXXX XXXX ( account ending XXXX ) XXXX / XXXX XXXX ( account ending XXXX ) XXXX ( account ending XXXX ) XXXX XXXX / XXXX ( account number not available ) My credit score dropped more than XXXX points from approximately XXXX to a low of XXXX as a direct result of Palisade 's failure to make the payments I had been told they were making on my behalf. I have since had to contact several of these creditors directly and settle the remaining balances myself, in addition to the payments I had already made to Palisade. I have since learned that in XX/XX/XXXX, the Rhode Island Attorney General filed a lawsuit in Providence Superior Court against XXXX XXXX and Palisade Legal Group , PLLC. The complaint alleges they operated an unlicensed debt-management service in violation of state law, charged consumers fees that exceeded statutory limits ( a flat 27.5 % fee on enrolled debt, exceeding Rhode Island 's 30 % cap on savings from negotiated debt ), failed to register with Rhode Island 's Department of Business Regulation, and significantly harmed consumers ' credit scores through misleading advice. The State is seeking civil penalties, injunctive relief, and refunds for affected consumers. The conduct described in that complaint matches my experience precisely. I am a Massachusetts resident. I was solicited and signed up while in Massachusetts. As a result of Palisade 's actions and the XXXX XXXX solicitation that funneled me into their program, I have suffered : Direct financial loss of over {$5600.00} paid to a service that did not deliver what was promised Additional out-of-pocket costs to settle debts directly with creditors after Palisade failed to do so A credit score drop of over XXXX points that has affected my ability to access credit on reasonable terms Significant emotional and time costs in attempting to repair the damage I am requesting that the CFPB investigate Palisade Legal Group , PLLC and its affiliated entities ( including XXXX XXXX and XXXX XXXX ) for the deceptive practices described above. Specifically, I am requesting : A full refund of all fees and payments I made to XXXX XXXX XXXX through the XXXX payment system that were not used to settle my debts as represented. Corrected credit reporting on all enrolled accounts that went delinquent or were charged off during the period Palisade represented they were managing my debts. Inclusion in any restitution fund or settlement that results from the Rhode Island Attorney General 's enforcement action or any federal action that may follow. I have retained payment records, the XX/XX/XXXX settlement confirmation from Palisade, and copies of communications from XXXX XXXX. I am willing to provide any additional documentation needed to support this complaint.

Company response to consumer: Closed with explanation