Consumer complaint received 2026-04-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Liberty Debt Relief LLC
State: TX

Complaint narrative:
I enrolled in a debt settlement program with Liberty Debt Relief in XX/XX/year> with approximately {$110000.00} in enrolled debt. Since enrollment, I have paid approximately {$41000.00} into the program. According to my account statements, approximately {$9500.00} has already been taken in fees. My account reflects over {$24000.00} in payments toward settlements. However, despite these reported payments : My statements show {$0.00} in cleared payments When I contacted creditors and associated firms directly ( including XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), they confirmed no payments have been received or applied to my accounts Liberty Debt Relief has been unable to provide any creditor-side documentation confirming that these payments were received or applied While funds have clearly been withdrawn from my account and labeled as settlement payments, those funds are not verifiably accounted for at the creditor level. Despite paying over {$41000.00} into this program, I have not received proof that these funds have resulted in completed, verifiable settlements with my creditors. At this time, a substantial portion of my funds remains unaccounted for in terms of confirmed receipt and application by creditors. Additionally, Liberty Debt Relief informed me that multiple XXXX XXXX XXXX accounts were previously settled, but later stated those settlements were voided after approximately {$15000.00} had already been paid toward them. Of that amount : Only approximately {$3800.00} has reportedly been refunded I have not been able to clearly verify the timing or application of these refunds Approximately {$11000.00} remains outstanding or pending with no clear timeline for return Liberty Debt Relief has also confirmed that thousands of dollars in fees were charged on these XXXX XXXX XXXX accounts, despite the settlements being voided and not successfully completed. The company has provided conflicting and, at times, inaccurate explanations regarding the status of my accounts. They have also suggested reapplying refunded funds back into previously failed settlements, despite the lack of proof that prior payments were successfully completed. I have made multiple good-faith attempts to resolve this directly, including requesting : Creditor confirmation of payment receipt and application A full accounting of funds and refunds Clarification and justification of fees charged During a recent call, I was explicitly told I would receive creditor-side proof of payments by a specific deadline. That deadline has passed, and I have received no documentation or follow-up. I am requesting : Creditor-side documentation confirming receipt and application of all alleged settlement payments A complete accounting of all funds, including : Total deposited Total paid toward each creditor Total fees charged ( itemized by account ) Total refunded and remaining refund balance Immediate clarification and return of any funds not successfully delivered to creditors A review and refund of fees charged on accounts where settlements were not successfully completed At this point, I am concerned that funds have been withdrawn and categorized as settlement payments without sufficient verification that they were successfully delivered to and applied by creditors, and that fees have been charged despite unresolved or failed settlement activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation