Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NATIONAL DEBT RELIEF LLC
State: CO

Complaint narrative:
I began my account with National Debt Relief in XX/XX/year>. I was working a job that was live in required at the time, so there was no rent prior to opening my account. My workplace was becoming I creating toxic to XXXXhe point of multiple medical episodes including collapsing and XXXX XXXX. So I moved out and needed to stop being my XXXX because it was about as much as a rent payment a month. Payments were approximately {$640.00} per month. 

Unfortunately my medical issues caused by that job experience left ongoing and chronic pain and ither health issues. In XXXX I decided to explore bankruptcy because my medical costs and tbis payment left me with no money for food or other necessities. For context, I am paying between $ XXXX {$120.00} every week for treatment. 

When I called to share my circumstances and that I needed to close my account, I was coerced into stay when I was clearly under distress that time. I shared that I was not doing well, that I am working XXXX jobs etc. And couldn't keep up with the payments. This led to XXXX of my creditors voiding our settlement. They used high pressure scare tactics while I was vulnerable and convinced me to stay in the program. 

Flash forward to XXXX. I am still paying these medical costs, and then my dog had a sudden emergency. This wiped out my entire food and gas budgets. A deposit had just been sent, but XXXX of my creditors had voided our agreement, and other creditor payments get made at the end of the month. So I called to close my program, because I am financially destitute. For context, I have been going multiple days without eating, I am not able to get critical medications. 

When I tried to close in XXXX, I was told that if I closed my program I would get my month back minus any fees. So this was my expectation. I was asked to provide the contact information for the lawyer I had my bankruptcy consultation with even though I was uncomfortable doing that. I was told that payments to credits would CEASS IMMEDIATELY. After I closed my account a statement was generated. [ Posted below ]. 

The statement says I should have received {$230.00} on the " XXXX XXXX '' line. This was on XX/XX/XXXX. After waiting a week [ XXXX business days ], I called on XX/XX/XXXX, and was told that I would not be receiving anything because they paid a creditor and took their fees. I was generally surprised and frustrated because this was not what I was told, or what my statement clearly said. Because the supervisor on the phone could not resolve my concerns. So it was assigned to a account XXXX, XXXX. Before hearing from XXXX, I was sent a new statement immediately after calling that provided an entirely different financial breakdown. [ Posted below ]. Which leads me to believe that the intent was to hold my money XXXX pressure me back into the program. Here is how I know this. 

After closing my account I IMMEDIATELY started receiving mass communication from my creditors that I needed to pay immediately. Even creditors that I was not working with National Debt Relief with. So it is clear that they notified them. Additionally, on XX/XX/XXXX, I got an email saying " Still in XXXX? '' [ Posted below ]. So this has felt like a pressure campaign on thr part of National Debt Relief to make me feel desperate and vulnerable. 

On Wednesday, XX/XX/XXXX, I received a call from XXXX who said he was submitting the refund request for the {$230.00}. I was clear with the folks before XXXX and with XXXX that I wanted this money back because I need it for medical costs, food, medication, gas, etc. And that I would also move to sue National Debt Relief for this situation as well as the XXXX situation where I fel coerced into staying in the program, therein affirming a legal contract when I was not mentally in a position to agree to this. XXXX said that I would not get my money back on that day, but " sometime next week. '' This still hasn't happen as of XX/XX/XXXX. Do not work with this company

Company response to consumer: Closed with explanation