Consumer complaint received 2025-03-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: PRIORITY PLUS FINANCIAL LLC
State: ND

Complaint narrative:
We received an advertisement from Priority Plus Financial that stated " You have been exclusively selected for an Economic Relief Loan of up to $ XXXX etc- the last sentence states, You may consolidate these balances into a single loan with an interest rate of 5.95 %. It does not say a range of an interest rate, it clearly states an interest rate of 5.95 %. 
When I contacted the company I talked to a XXXX XXXX very nice lady but gave no room to feel like you can say, let me think about what you are presenting and get back to you. She moved very quickly to get us into a plan that was not a loan, but one where we would pay a certain amount each month and they would negotiate with our credit card companies to pay less. The total amount of the fee they charge was not never clearly disclosed. We did not receive the letter of denial of a loan until after the documents for the debt resolution loan was presented. Basically all this is a debt settlement. There was mentioned of making 6 months of payment on time then something takes place ( this was very confusing to me as she went very fast through all the information, it was even hard to now what questions to ask ) but was not sure what took place. They absolutely give you no time to discuss this with your spouse who would also be on the contact, they have you sign for them, All has to be completed at the time of the call. She also told me that I would be getting multiple calls from XXXX the 3rd party they work with and to just ignore all calls.What they will be telling me is what she has already told me. She stated I can contact her anytime with concerns or questions, that I don't need to communicate with them. I was told to stop all automatic payments on the credit cards, go into the cards and remove my number and enter one of the 4 numbers I was given in an email. I did notify XXXX on XX/XX/year> at XXXX XXXX  that I was unable to stop automatic payment on one of the credit cards because the account was in a " financial relief program '' that I requested on my own - this account is basically closed and can't change the payment arrangements- she never did get back to me. I also have two other accounts that fall under the same situation. On XX/XX/year> at around noon I contacted XXXX to cancel - I was still in the 3 day time frame to be able to cancel. I talked to XXXX, he first told me I could not cancel because it was past the 3 days. When I explained to him it has not been past 3 days, I signed up on XX/XX/year> at XXXX XXXX  he then went on to ask me multiple questions. Why I wanted to cancel, I explained one reason was the issue I was having being able to cancel the automatic payments on 3 of my cards, he said those won't be able to be included. He said you are wanting to pay the high interest rate is what you are saying, I mentioned we were getting a loan instead. He basically was telling me why would we do that, pay the full amount owing when going with them we would be paying less on what we owe. I told him we owe that and want to pay it. He asked what happens if we don't get the loan, I told him we already have been told we will get the loan. He was very intimidating We still have not received our refund of the {$220.00} payment paid to XXXX on XX/XX/year>. 

XXXX with XXXX needs to respect the people that call. He was very rude and right away tried to tell me it was past the 3 days, they must be a tactic they use hoping people fall for it and don't cancel. It is none of XXXXXXXX XXXX business why I am canceling, what my next resource or plan is. Want to hear all he asked me asked for the recorded call!!!

Company response to consumer: Closed with explanation