Consumer complaint received 2025-03-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
Complaint Against National Debt Relief for Deceptive and Unfair Practices I am filing this complaint against National Debt Relief ( NDR ) for deceptive business practices, misrepresentation, harassment, and coercion, which have placed me in a significantly worse financial position than when I enrolled in their program. 

XXXX. Enrollment and Payments I enrolled in NDRs debt settlement program on XX/XX/XXXX, with approximately {$42000.00} in debt. I was told that I would never have to pay more than my agreed-upon monthly payments. However, over the course of the program, I was pressured to make additional payments beyond what was originally agreed upon. Over a period of more than a year, I paid over {$16000.00} to XXXX. 

XXXX. XXXXXXXX XXXX  XXXX and NDRs Failure to Prevent It In the summer of XXXX, I was served with court documents stating that XXXXXXXX XXXX was suing me. This occurred despite NDRs assurances that they would negotiate with my creditors to prevent legal action. XXXX failed to inform me about the lawsuit in advance and did not provide assistance in handling it. 

XXXX. XX/XX/XXXX Harassment and Coercion Into a Loan In XX/XX/XXXX, I received a phone call from XXXX stating that if I did not make an immediate payment of {$600.00}, my XXXX account would be dropped from the program. I was told that if I did not comply, I would lose their assistance with the lawsuit and would have to face the legal process alone. 

During this call, an XXXX representative falsely claimed that I could face prosecution if I did not make the payment. This was a clear intimidation tactic, as debt lawsuits are civil matters, not criminal cases. 

XXXX then presented me with two options : XXXX. Handle the lawsuit on my own, despite their previous promises that they would assist with creditor negotiations. 


XXXX. Sign up for a {$26000.00} loan with an interest rate of nearly 40 % to pay off my remaining debts. 



I was not given time to consider my options or seek legal advice. Instead, I was pressured into taking the high-interest loan under extreme duress. 

XXXX. XXXX XXXX and XXXX XXXX misrepresented the nature of their program by falsely claiming that I would never have to pay more than my agreed-upon monthly payments. Instead of reducing my financial burden, their actions have left me in a far worse position. 

As a result of their deceptive practices, I am now facing two equally devastating financial outcomes : Filing for bankruptcy due to the additional debt I was coerced into. 

Paying over 25 % of my monthly income for more than two years to repay the predatory loan. 


XXXX. Request for CFPB Investigation and Action I request that the Consumer Financial Protection Bureau ( CFPB ) investigate NDR for the following violations : False claims that no additional payments beyond the monthly plan would be required. 

Failure to prevent lawsuits despite promises to handle creditor negotiations. 

Use of intimidation tactics, including false threats of prosecution. 

Coercion into high-interest loans under financial distress. 


National Debt Relief has engaged in misleading, predatory, and coercive practices that take advantage of financially vulnerable consumers. Their deceptive actions have worsened my financial situation rather than improving it. I urge the CFPB to investigate and take action to prevent others from experiencing similar harm.

Company response to consumer: Closed with explanation