In July 2009 I contacted Frank Jose with Debt Reduction, Inc. to handle resolving an outstanding debt. I told Frank... (More) In July 2009 I contacted Frank Jose with Debt Reduction, Inc. to handle resolving an outstanding debt. I told Frank I only wanted to do business with them if they could remedy this issue in a matter of not more than 3 months. He stated that they could do this. It was not a problem.

So, they begin taking monthly payments from me via Global Client Solutions. Global Client Solutions also assured me that the 3 month time frame was not unreasonable. I HAVE the money to resolve the issue. Each and every time I would call them to find out the status I was ALWAYS told "there's not enough money in the account". They always wanted more money. I told them I had the money and even made additional payments in good faith to insure them that I had the money. In the Fall of 2009, an offer was put out by the creditor that I asked GCS to act upon. They refused stating there was, yet again, not enough money in the account. I, again, assured them that I HAD/HAVE the funds. They did nothing.

Dec. 2009 the creditor transferred my account to a different collection firm who does not negotiate or speak to third party representatives. I was very upset that the window of opportunity had passed for them to act on what I hired them to do. Their answer was that they were waiting to get more money from me. By this time it sounded like a scam unfolding.

May 6, 2010, I canceled my account with Debt Reduction, Inc. with a gentleman by the name of Fernando. Fernando promptly issued me a check in the amount of $3292.77 and told me that they were keeping the fees of $1284.98 for services. When I asked to speak to the person(s) handling this matter he told he they would call me. He refused to give me a contact name. All this company did was collect my money and never rendered services for which they were hired. According to their contract with me they are supposed to negotiate with creditors on my behalf (which they now cannot do), will use reasonable efforts to settle debt (which they have not done) and time and time again I've asked them to make a settlement offer and they never would.

To date, they say their "review board" will go over the account and they will deem if it is necessary to provide a refund or not. This is extremely unreasonable given the circumstances involved. They did nothing to resolve or negotiate a debt settlement which should not entitle them to fees of any kind. All they did was take money from me.

It's now mid July 2010 and NO ONE is returning my requests.