Consumer complaint received 2025-10-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
I am submitting this complaint to detail a pattern of deceptive acts, abusive financial practices, and severe negligence concerning my personal financial data, including the personal financial data of another client. 


I. Deceptive Legal Fees & Misrepresented Service This section establishes the first deceptive act, which led to financial difficulty. 

The Promise vs. Reality : I was charged $ XXXX for full coverage legal services ( XXXX XXXX ) from XX/XX/XXXX to present. NDR first advertised the full legal coverage when first enrolling into the program, despite it not being visible on their contract. NDR also advertises full legal coverage on the FAQ section on the client log in dashboard. This was a material misrepresentation, as the firm provided XXXX proactive legal counsel or strategy ( no meetings, no calls ) and only appeared at the lawsuit. 

The Harm : This lack of full legal support caused an unaffordable lawsuit settlement of my private student loan which resulted in recurring program shortfalls later referenced in Section II.

II. Concealed Shortfalls and Abusive Fee Collection This section links the failure in Part I to the larger deceptive fee collection pattern. 

The XXXX XXXX : The unaffordable settlement created a recurring payment shortfall in my program. The repayment amount was {$2200.00} a month despite me already paying {$3100.00} a month into the NDR program. {$2000.00} of the {$3100.00} was already repayment to other creditors.

The Deceptive Action : Instead of terminating the program or renegotiating the debt, NDR raised my monthly contribution to {$3400.00} a month and concealed the shortfalls by continuously advancing ( borrowing ) against my previously paid fees from other settlements. 

Outcome : NDR stands to still collect the full {$28000.00} performance fee for the student loan settlement next year. I am going to be charged the full fee for a program that was only kept alive through deceptive financial maneuvers and was already failing due to their inadequate legal service. 

This shortfall remains active as of XX/XX/XXXX. 

III. Privacy Violation : Exposed Another Clients Financial Data This section demonstrates the companys negligence in managing highly sensitive client information, showing a pattern of reckless and harmful business practices. 

On XX/XX/XXXX, National Debt Relief ( NDR ) committed an unauthorized disclosure of another consumers personal financial information by mailing to my home address a document containing the full financial statement of another client. The letter was dated XX/XX/XXXX. 

The Data Exposed : This error allowed me to see the other clients : Full name Highly sensitive financial details ( e.g., account balances, settlement amounts ). 

Creditor information ( who they owed money to ). 

Confidential, strategic settlement information. 

To this date, I have not received any security breach notification regarding this incident, demonstrating a clear failure by NDR to comply with its professional duty to secure client data and report major privacy violations to affected parties.

In Summary, I paid for legal protection and debt settlement services that were never provided as promised, resulting in severe financial harm and a confirmed privacy breach.

Company response to consumer: Closed with explanation