Complaint Review: Center For Credit Counseling Service

This is all I know....I got almost all of my money back. They are out of business under this name ....for now....

Today I got a letter from the AG's office economic crimes division (which I contacted the AG months and months ago!)to fill out forms, send all documentation, and tell them if I received any money back. Well, I am not even suppose to post on here or discuss CFCCS anymore, however they did not send my final payment and that was the agreement.I would think if you use this office it may help. They will not legally represent us, but could file formal charges.

Give them hell, I can't believe that the system allows this when here we consumers are telling them what has happened. Also, every creditor that is aware of this and has not put some red mark on CFCCS's name,so that they no longer accepted debt programs thru them, should be held accountable. They leave the door open for CFCCS to continue to do business. If a bank gets enough complaints about a company and sees that they are not making these payments....why do they do business with them??? lesson learned .....never trust anyone for anything.

Their number and e-mail address dont work anymore. What am i supposed to do now?

Suzanne - If you can help me with a way to get in touch with Glenda or anyone there, I would appreciate it. They a good bit of my money as well.

I did, and I have some relief. They should not be in opperation. I kept posting because when I first logged on here people just let things drop....no updates. I had to assume that they were giving up. Maybe they too got their money back. I never knew. I also saw how many people after me were posting...so I knew that they were still taking money from people and continuing this fake business. Problem is that banks and creditors are unaware of their practices and when I let them know they seemed uninterested in keeping that on file. Except for the people at Wells Fargo who till the end kept notes on everything.

Just wish I would get the last of my money back. I find it strange that I have signed a now legal document and they still will not follow up. Yes, I got the largest amount returned to me. So I am suppose to feel grateful? I was told if I had the money, time and way to travel I could sue for everything. Money stolen, damages, fees, hardship, and even mental anquish this has caused. Which is a lot more than what they have payed me back. Still can be on the table since they have not abided by the document that I signed. That makes it void. I am glad I work for a district attorney and his wife. At least I have gotten some information on what to do.

This website did have an outlet that did reach more people...however with as many complaints as CFCCS has had, they are not on the front page of this website. Also it is not reaching people enough for a class action lawsuit. Just keep trying.

Im glad Suzanne is updating things for all of us. Her words really relieves my mind that SOMETHING can be done.

I still haven't heard back from Leslie or Glenda as of this A.M.

I have been speaking with a Detective about this case. He thinks that what it'll end up being is me taking them to court..........I have NO money to do that. I just wish I could get my money back.

My credit is now ruined for YEARS because of this company. All Im asking for is a refund....is that so much to ask???

And for those of you who are struggling as much as I am, or just wanting to e-mail me, Maybe we can help each other out.

CFCCS signed for my notorized fefund release letter but I have not received the remainder of my money from them nor will they respond to my email now. However, the hurricaine Katrina may have something to do with that. I signed the letter which bound them to paying me back my initial payment and bound me from complaining about them or pursue them any further....ONCE I GET MY INITIAL PAYMENT BACK. I thought this would be simple now we are in the final stretch and they made me sign that to get the money back. But.....All I know is Glenda is not the customer service manager...according to Glenda. This may be the reason for her not answering her email. I do not know who is as she never responded to my email regarding that so that I may contact the correct person. Good luck.

When I first joined CFCCS, I was dealing with this guy named Leslie Gogats. I had so many questions regarding my account so Glenda e-mailed me (this was in nov or dec of 04).

I had saved both Leslie and Glenda's e-mail address in my account so that I could e-mail them with whatever questions I had about my accounts with them. Whenever I would e-mail them, they would e-mail me back within a day or two.

But now that I have proof of their scam, they are not responding back. I finally e-mailed Broward co. sheriff's department and the detective there will investigate it for me.

I am letting them (CFCCS) day by day about what actions I am taking. But they are not responding back. This is getting crazy.

I just got off the phone with the Broward sheriffs dept. They are going over there and see whats up. Hopefully I will get a positive response. If you can how did you get ahold of Glenda....she will not reply to our e-mails

I e-mailed them each day this week pleading them to reply back. Well, today I finally got tired of it and e-mailed Broward Sheriff's department. I fully explained what was going on. Hopefully they will be able to help me out on this. Almost $2000 was paid out to these guys......Something's got to give

I e-mailed Glenda Friday (now its monday) and I have not heard from her. I calculated how much money they have withdran from my account and it totaled out to be $1,764.00. That is not including my first initial payment that I was supposed to get back once I completed the program.

This is getting ridiculous. I e-mailed her today to let her know that I have all the paperwork saved in my file if she needs it and I have spoke with the bank to let them know whats going on. I hope she will e-mail me back this week. We'll just have to see, I guess.

I was just recently told from one of my creditors that they (CFCCS) have not made a payment to my account since january (this payment was from MYSELF, not them). I joined this debt management service in october of 04. now it is August of 05 and they have not received a payment from me yet. I will call the sheriff's department and get this taken care of also.

Thank you so much for posting your updates. It really relieved my mind that justice can be served!!

THANKS TO THE SHERIFF IN BROWARD COUNTY I HAVE RECEIVED MY MONEY FROM THE MISSING CHECKS. I HAVE TO SIGN A LEGAL DOCUMENT THAT I WILL NO LONGER GO AFTER THEM NOR WILL MY HEIRS. THEN I WILL GET MY INITIAL PAYMENT BACK ALSO. I THANK THE SHERIFF'S DEPT. WITH ALL MY HEART!

As of this morning I received an email from Glenda M. that she is not in the CSR office but forwarded my info on and that they would stop payment on my missing checks and refund my money. I hope this does occur. I can only say that this would be in part due to the fact that I contacted the Sheriff's Dept. in Broward County. You can email ask_the _sheriff@sheriff.org.

I have not heard a word from CFCCS since 1/19/05, until today.
We shall see if a refund occurs!!!

This was my last step, I contacted the Sheriffs Dept. by email and they responded they would look into it. Try it, maybe if enough of us do it will help. The problem with each step we are told to take, IT DOES NO GOOD. I do not understand, but all steps suggested have resulted in nothing.

Every things that is out there to protect consumers does not work. The AG, BBB, etc. can only contact CFCCS. If CFCCS chooses to do nothing, that is it. They can not make CFCCS do a thing. This is unfair and yet they are still doing business.

What are we suppose to do? Hire lawyers from Florida (since most of us appear to be NOT from Florida) and travel to take these crooks to court? That is why they CAN scam us. It isn't fair!

I am getting ZERO response from CFCCS. My banker with Wells Fargo says that Glenda is now responding to his emails and has sent SOME of the copies of the canceled checks we requested begining in Oct of 2004. BUT, some are missing Glenda said. They will NOT tell me where my money is and continue to say payments have been made and they are not responsible, THEY MAILED THEM!!!! A true business, if they mailed checks and they were not received in a resonable time would stop payement on them and re-issue them. Not CFCCS. They continue to blame the creditors.

No one from BBB, AG office, or the FTC has been able to do a thing. I reported them to our local TV channel and they tried to help but could not get any response from CFCCS. HOWEVER, They told me to notify the IRS....this I did. If they are frauds with us maybe they are with the government as well!!!! Worth a try. I just have not consulted a lawyer yet. How do you pay for it in our situation, and it is out of state!!!???

There is no reason to have a BBB, FTC or AG if they can not help consumers. Basically you are on your own. If this was investigated when they were Gibson Trust....what happened? I would like to hear from people who got their money back...or got things resolved.

The next step is to have the local police show up at their door. Would that work????? You never know?

I sent a complaint form to the Attorney General in Florida about CFCCS and they sent me to the Florida Dept of Agriculture and Consumer Services. I spent a week compiling all my info and sent it on and today I get a letter. They tried to mediate with CFCCS and said..."unfortunately the business refuses to cooperate and we are unable to assist you further." they closed my case. Now why was I sent to them in the first place? CFCCS continues to ignore my calls and emails. They refuse to send documentation I have asked for. Have not gotten any reply from the BBB or anyone directly with the AG office in Florida. What is next?

I have contacted the Florida BBB online, and have contacted and have a file number with the Attorney General in that area. I have been asked to send documentation and am doing so.

My bank has tried to contact them to no avail. I talked today to a customer service gal...new...and got only the answer that my missing payments can not have a stop payment put on them for 90 days. Well it has been 128 days since the first missing checks. I am also contacting our local television consumer advocate guy. We shall see.

My bank also tells me to file complaint with the FEDERAL TRADE COMMISSION....that is next. Also would think that internet fraud could be brought into play...

Keep posting Leroy in Georgetown, Mass. Maybe we can help each other!!!!!