Consumer complaint received 2026-03-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Money Management International, Inc.
State: CA

Complaint narrative:
I enrolled in a debt management program with XXXX and made my required payments as agreed. Problems began immediately at the start of the program. XXXX sent proposal letters to my creditors without including my Social Security number, which delayed proper setup and acceptance of my accounts. I was also not properly educated on how the program functioned or what risks existed during the setup period. I was explicitly told that after enrolling and making my first payment through XXXX, I should not make payments directly to my creditors. Based on that instruction, I relied entirely on XXXX to manage my accounts. The most serious issue occurred when XXXX of my scheduled monthly disbursement payments was not sent out to my creditors at all. As a result, multiple creditors treated my accounts as past due, creating the appearance that I was not making payments, despite the fact that I had made my payment to XXXX as required. This is a fundamental failure of the service I enrolled in. Despite continuing to make my payments to XXXX, additional problems followed. I was later informed that proposals had to be re-sent to creditors, further demonstrating that the original setup and handling of my accounts had broken down. I was also given inaccurate information regarding my accounts. I was told that XXXX XXXX would not report my account as late. I relied on that information, but later received alerts confirming that the account was reported past due. This misinformation further contributed to the overall impact. Instead of clear accountability, the responses I received were dismissive and did not reflect the seriousness of the situation. At this point, XXXX errors and guidance have directly contributed to multiple accounts becoming past due and negative reporting on my credit profile, despite my full compliance with the program. This was not an isolated issue, as I had already experienced prior problems within the program. I attempted to resolve this directly with the company over several weeks. I requested clarification on why my accounts became past due despite my compliance, confirmation of what actions were being taken, and accurate information regarding my accounts. These issues remain unresolved. I have also been informed that the negative reporting caused by these errors will not be corrected by XXXX and that I would need to file disputes myself. XXXX has records of these service failures, including the failed disbursement, the initial proposal errors, and the need to resend agreements. This situation has caused financial harm, damage to my credit profile, and significant stress. I relied on XXXX to properly manage my accounts, and instead experienced repeated servicing failures, inaccurate information, and negative consequences as a result. I am filing this complaint because XXXX failed to provide the service promised and failed to properly manage my accounts with the level of care required.

Company response to consumer: Closed with explanation