Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: The J. G. Wentworth Company
State: NY

Complaint narrative:
Me and my husband signed up with JG Wentworth into their debt consolidation program. They vetted us and would call me while we were not sure we wanted to do sign up. We were over extended with our credit but we always paid on time and never not paid a bill. They told us that were doing the right thing, that we were in good hands. They said we would never get out of debt if we did not sign up. We suffered greatly after more then XXXX years of paying every single payment twice a month of around {$1600.00}. This is on top of our mortgage and other home bills and child care. We ended up with XXXX lawsuits from different creditors. We were also harassed by creditors and were served at our house in front of our young children. We paid for legal representation through the program. However, their attorneys are located in XXXX XXXX and not in New York, which is were we reside. They clearly did not know New York law. They would hire/out source outside attorneys in New York to show up in Court for our lawsuits. In the beginning XXXX of their attorneys told me to consult with a bankruptcy attorney in New York. I was so scared. The treatment and abuse we endured was relentless. The way I was spoken to from numerous representatives from JG Wentworth was consistently horrific. They had put us in a place that we could not get out of because they told me not to pay our creditors. This is " their process ''. Our credit is in terrible shape. We can not get a loan or any financial help. XXXX of the higher ups at JG Wentworth suggested that I have my XXXX sign over his retirement to them. On top of paying around {$1600.00} monthly, I have to pay a creditor outside of their program because this particular creditor does not work with JG Wentworth and JG Wentworth knew this, but signed us up anyway. Another huge violation is that they never consulted or communicated with my XXXX for his debts. They always had me approve things on his behalf. I do not have authority over my husband. He never consented or approved that with them or the attorneys office. I do not have a XXXX XXXX XXXX for him. They actually joked that they did not have his information at XXXX point when I brought this up to them. They did in fact have his contact information. There has been so much disgusting behavior on their part. I have been hung up on. I have made appointments for someone higher up to call me and then they would never call.It is a very hard scary position to be in. No one was helpful to me in navigating through this process. XXXX other huge violation is that they had me verify my personal information when they had another XXXX of their customers on the phone with me. The representative even called me back and left me a voicemail confirming he had another customer on the phone with us while I verified my personal information ( my name, date of birth, address and my social security number ). They all knew this happened and confirmed that they ( JG Wentworth ) all listened to that phone call and never contacted me.It took me filing a complaint with the XXXX XXXX XXXX to have someone from their compliance department call me. They offered me and my husband a XXXX year subscription to XXXX XXXX. The problem is that it took close to XXXX weeks for them to do this. My identity could have been stolen/sold and used in that time frame. There is so much more that they have done wrong. They should not be able to treat people this way. This has taken a huge toll on my family. There are still XXXX creditors that they did not work on or cleared up. They do not care because they made sure they took all their large fees from us. They sent me an email yesterday and told me that they cancelled me out of the program. I am not sure how they can do that. I never signed off on cancelling my program. I also have no clue if they cancelled my husband because they never reached out to him. I believe that they should be held liable for all of this abuse and clear violations of our consumer rights. They should not be able to do this to anyone.

Company response to consumer: Closed with explanation