Consumer complaint received 2026-04-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
Request to move withdrawal from XX/XX/XXXX to XX/XX/XXXX. Company confirmed receipt of request that was made within the appropriate time. Draft took place anyway and resulted in {$98.00} in overdraft fees which ClearOne agreed to pay, but has not refunded the money to my account. Please see copy of chat transcript with ClearOne Customer Service below : Conversation with Client Success Started on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Keep Us Updated XXXX XXXX XXXX XXXX : Thank you for reaching out to us today. Were happy to help review your recent account activity or any documents youve received. To get started, can you let us know what type of document or update youre contacting us about? XXXX XXXX XXXX XXXX XXXX : Creditor Communication XXXX XXXX XXXX XXXX : Thank you! No worries, creditors will attempt to send you notice or updates regarding your account. There is an easy self-serve way to send us documents that are sent to you by the creditors, by uploading the document to your client portal by going to " My Documents '' and then clicking on upload. This will be saved in your client records for reference. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have more questions and would like to speak with a XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Hi XXXX, my name is XXXX with ClearOne Advantage in the XXXX XXXX Department and I'm happy to help you. In order to maintain proper security measures, we kindly request that you provide us with a code that will be sent to your primary email address on file for verification purposes. We kindly ask that you take a moment to share the code with us. We will patiently await your retrieval of the code. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hi- I am wondering when the refund for the bank fees will be in my account. I was told by your department that the funds would be added by XX/XX/XXXX and they have not XXXX XXXX XXXX XXXX from XXXX XXXX : XXXX, XXXX! The code you provided was invalid. Let me send you a new XXXX so I can assist you further XXXX XXXX XXXX XXXX from XXXX XXXX : I have sent a code for you. Can you please check it for me and share it here? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for taking the time to provide the code, now that we have verified your account, how may I help you today? XXXX XXXX XXXX XXXX XXXX XXXX Hi- I am wondering when the refund for the bank fees will be in my account. I was told by your department that the funds would be added by XX/XX/XXXX and they have not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can you please provide more information about your concern so I can make sure that we are on the same page? Thank you very much! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearone make an unauthorized charge that resulted in {$98.00} in bank fees. I was told these would be refunded by XX/XX/XXXX. This has not happened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alright, let me check that one for you! XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Please allow me a few moments to review your account. Your understanding is greatly appreciated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Just a few more moments. I appreciate your understanding while I make sure everything is handled properly. Thank you for your continued patience. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Thank you very much! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you so much for holding! XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Almost finished up here, thank you so much for your patience! XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I sincerely apologize for the inconvenience this has caused you, and I completely understand how frustrating this situation can be. As an option, we can skip your next draft of {$690.00}, so you wont need to make a payment next month since well apply the amount already taken from your bank account. However, if you would prefer to receive a refund instead, you can reach out directly to XXXX XXXX XXXX at XXXX to request the withdrawal, as they may be able to process it more quickly for you. Please let me know what works best for XXXX here to help and support you through this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see youre already halfway through your program and have settled XXXX of your accounts, thats fantastic! Youve worked hard to get here, and our negotiation team continues to work with your remaining creditors to secure favorable settlements. Staying consistent with your payments ensures we can keep negotiating from a position of strength. Youre closer than ever to reaching your financial freedom, lets keep that energy going! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks for trusting us with this. Youre part of a program thats changing lives, and we're excited to help you reach your financial goals. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is there anything else that I can assist you with today? XXXX XXXX XXXX XXXX XXXX : OK, so after waiting over XXXX weeks for the {$98.00} in fees to be refunded, you are now telling me that I can get it from XXXX I'm not sure how this works. The draft was your error that resulted in overdraft charges. If I get the refund from XXXX, don't they take the funds out of what I have in my savings account? XXXX XXXX XXXX XXXX XXXX : Why all of a sudden do I have to get it from XXXX. They guy is spoke with on XX/XX/XXXX said it was scheduled to be deposited in my account by XX/XX/XXXX. What is going on over there? XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This is taking a bit longer than usual, but Im still working on it and will provide an update shortly. XXXX XXXX XXXX XXXX XXXX : How do I get a copy of this transcript? XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Please allow me a few moments to review your account. Your understanding is greatly appreciated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Could you please let me know when and where you contacted us about changing your draft on the XXXX? XXXX XXXX XXXX XXXX XXXX : OMG!! I have already been through this 4 times! Don't you keep records? XXXX XXXX XXXX XXXX XXXX : Do you have a supervisor or an email address of management that I can contact? XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Based on our end, you reached out to us on the XXXX asking about the draft change that you requested, which was scheduled for the XXXX. XXXX XXXX XXXX XXXX XXXX : Your records are incorrect. I submitted a request on XX/XX/XXXX to stop the XX/XX/XXXX withdrawal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Could you please share any documentation that might help support your position? For example, an email, ticket, or text message would be very helpful. XXXX XXXX XXXX XXXX XXXX XXXX [ Attachment : " Change Request XXXX '' ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Thank you very much for this. It will help me process the request more efficiently. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX moment, please. I do apologize for any inconvenience XXXX XXXX XXXX XXXX XXXX XXXX I am logging off. I have been on this chat for over XXXX minutes and nothing has been accomplished. I'm taking this to your management. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Im really sorry for the frustration this experience has caused youI completely understand why youd feel this way after spending so much time without getting the resolution you needed. Your concerns are absolutely valid, and I truly regret that we werent able to resolve this more efficiently during our time together. If you decide to continue, Im here and more than willing to help get this addressed properly for you. Thank you for your patience, and I respect your decision to escalate this to management. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I will go ahead and initiate the refund request now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation