Consumer complaint received 2026-02-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Premier Consumer Credit Counseling, Inc.
State: FL

Complaint narrative:
Complaint Against : Premier Consumer Credit Counseling XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida Subject : Deceptive Debt Settlement Services and Failure to Refund Payments I am submitting this complaint against Premier Consumer Credit Counseling regarding deceptive practices and failure to provide the services they promised. 

In XXXX, during the XXXX pandemic, I lost my job, which caused significant financial hardship and made it very difficult for me to meet my financial obligations. In an effort to responsibly address my debts, I contacted Premier Consumer Credit Counseling to assist me with debt liquidation and negotiation, specifically with Bank XXXX XXXX. 

The company advised me to open an account with XXXX Bank to facilitate payments under their program. I began making payments to them on XX/XX/XXXX. My last payment was made on XX/XX/XXXX. Over that period, I paid them a total of {$5100.00} in good faith, with the understanding that they would negotiate and make payments toward my debts with Bank XXXX XXXX. 

However, I later discovered that Premier Consumer Credit Counseling never made any payments nor reached any settlement agreements with Bank XXXX XXXX on my behalf. As a result, my credit was severely damaged due to continued non-payment and lack of negotiated agreements. 

The Bank XXXX XXXX accounts involved are : Account ending in XXXX {$2900.00} Account ending in XXXX {$4000.00} Despite my payments to Premier Consumer Credit Counseling, neither of these accounts were paid, settled, or negotiated. 

When I contacted the company to address this issue, I was given misleading and deceptive information. I then formally requested a refund of the {$5100.00} I had paid, due to their failure to fulfill their contractual obligations. On multiple occasions, I was told that a reimbursement would be issued and that they were conducting an audit of my payments. However, no full refund was ever provided. 

As of XXXX, my credit continues to be negatively affected, and the company has still not paid or settled the debts with Bank XXXX XXXX. 

In XXXX instance, I posted a negative review regarding my experience. The company contacted me and stated that if I removed the negative review, they would return my money. Based on this representation, I removed the review. However, they only sent me {$200.00} around XX/XX/XXXX, which is far less than the {$5100.00} I paid. 

My primary complaint is that Premier Consumer Credit Counseling engaged in deceptive practices by promising to negotiate and pay my debts, failing to do so, misrepresenting the status of my accounts, and failing to refund my payments. Their actions have caused financial harm and significant damage to my credit. 

I respectfully request : A full refund of the remaining balance owed to me. 

An investigation into the companys business practices. 

Assistance in correcting the negative impact on my credit caused by their failure to perform the promised services. 

I submit this complaint in good faith and request that the CFPB review this matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief