Consumer complaint received 2026-05-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC
State: CA

Complaint narrative:
I enrolled with Citizens Debt Relief on XX/XX/XXXX, after being told by their representative that any negative impact to my credit would be temporary ( approximately 46 months ), that my credit score would improve over time, and that my debts would likely be reduced significantly. I was also told I would not pay more than my original balances, that there would be 0 % interest, and that enrolled accounts could be resolved within approximately six months. These representations were a significant factor in my decision to enroll. From XX/XX/XXXX through XX/XX/XXXX, I made payments totaling {$6600.00} to Citizens Debt Relief. According to the program, negotiations were expected to begin within approximately 46 months. However, after approximately 10 months in the program, only one account was reportedly settled for approximately {$450.00}. The remaining enrolled accounts were not resolved. Due to the lack of progress, I removed XXXX XXXX XXXX and XXXX XXXX from the program and settled those accounts myself to avoid further financial damage. For more than a year, I have repeatedly requested a complete accounting of my funds, including documentation showing which creditors were paid, how my payments were used, proof of any settlements made on my behalf, and the status of my enrolled accounts. Despite numerous requests, Citizens Debt Relief has never provided a complete accounting or proof of payments made to creditors. My attempts to obtain information include : * On XX/XX/XXXX, I called Citizens Debt Relief and spoke with XXXX regarding the status of my accounts and requested information regarding payments made to creditors. * On XX/XX/XXXX, I called and spoke with XXXX and again requested information regarding my account and payments made on my behalf. * On XX/XX/XXXX, I spoke with XXXX again after receiving collection notices on accounts that had been enrolled in the program. XXXX advised me to submit another inquiry by email and send copies of the collection letters. I informed her that I had already submitted multiple inquiries previously. She confirmed that the documents had been received. Despite this, I never received any response, follow-up, or documentation from Citizens Debt Relief XXXX * On XX/XX/XXXX, I called Citizens Debt Relief again and spoke with XXXX, who once again advised that someone would contact me within approximately one week. As of today, no one has contacted me and no information has been provided. I have now received collection letters regarding accounts that were enrolled in the Citizens Debt Relief program. Specifically, I received collection notices concerning a XXXX Bank account that had been placed into the program. The collection letters indicate that the account remains unpaid and subject to collection efforts. One collection agency even noted that their records showed I had been working with a debt settlement company to resolve the debt. These collection letters demonstrate that the enrolled accounts were not resolved as promised and that Citizens Debt Relief failed to perform the services for which I paid. As a result of Citizens Debt Reliefs failure to provide the promised services, my accounts became delinquent, entered collections, my credit has been negatively impacted for years rather than temporarily as represented, and I have suffered financial harm, ongoing collection activity, and significant emotional distress. I have retained written communications from the companys representative supporting the representations that were made regarding credit improvement, debt reduction, repayment terms, and expected program outcomes. I believe Citizens Debt Relief failed to provide services as promised, misrepresented the expected results of the program, and failed to provide an accounting of funds despite repeated requests over an extended period.

Company response to consumer: Untimely response