- Report: #337613
Complaint Review: 4 Pillars Consulting Group TRUSTED Business | Verified Safe™…businesses consumers can trust. 4 Pillars Consulting Group is unlike many other companies in the debt industry and has zero duties or responsibilities to the creditors. 4 Pillars duties and commitment is 100% focused on the debtor and finding them the best possible debt solution that fits with their long term financial goals. 4 Pillars provides those facing financial challenges their own independent advocate additional support and com - Waterloo Ontario
2 Updates & Rebuttals Read More About : 4 Pillars Consulting Group TRUSTED Business | Verified Safe™…businesses consumers can trust. 4 Pillars Consulting Group is unlike many other companies in the debt industry and has zero duties or responsibilities to the creditors. 4 Pillars duties and commitment is 100% focused on the debtor and finding them the best possible debt solution that fits with their long term financial goals. 4 Pillars provides those facing financial challenges their own independent advocate additional support and com
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New Dundee, Ontario,
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Updated:
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4 Pillars Consulting Group TRUSTED Business | Verified Safe™…businesses consumers can trust. 4 Pillars Consulting Group is unlike many other companies in the debt industry and has zero duties or responsibilities to the creditors. 4 Pillars duties and commitment is 100% focused on the debtor and finding them the best possible debt solution that fits with their long term financial goals. 4 Pillars provides those facing financial challenges their own independent advocate additional support and com
405 King Street North Waterloo, N2J 2Z4 Ontario, Canada
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519-271-0038
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REVIEW UPDATE: March 23, 2020: 4 Pillars Consulting Group remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. 4 Pillars Consulting Group is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.
To date, 4 Pillars Consulting Group has made good faith efforts to resolve all complaints reported on Ripoff Report. Based on our experience, the member business has proven to be among the top members of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business™.
Over time and since becoming a member, 4 Pillars Consulting Group has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever 4 Pillars Consulting Group remains committed to improving customer satisfaction.
Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.
Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!
*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at [email protected].
Ripoff Report Verified™ REVIEW
EDitor's UPDATE: Positive rating and recognition has been given to 4 Pillars Consulting Group for its full commitment to quality customer service.
Ripoff Report's discussions with 4 Pillars Consulting Group Inc have uncovered an ongoing dedication by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any concerns. 4 Pillars Consulting Group Inc listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.
My name is Reg Rocha, President and Co-Founder of 4 Pillars Consulting. 4 Pillars is not a faceless financial service provider. We are all business owners dedicated to helping those in the local communities we serve. Seeing the drive and determination our clients have to change their lives and create a financially stable future for their families is inspirational and constantly reminds us why we are in business. It pushes us to do more to help through the services we offer. Money is responsible for our attitudes, our confidence and our relationships with family and friends. Money has a greater hold over all of us than we would ever care to admit and understanding this truly helps us understand what it means to face financial challenges and what it takes to resolve them.
One of the things Ripoff Report learned in the course of its review is that typical customer feedback reads, "4 Pillars Consulting Group Inc truly communicate all aspects of the service in a timely and effective manner. We are very pleased with the responsiveness that the employees show us. They are serious about meeting commitments and deliver on their promises."
Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..
The information provided in this report below is based on comments made by Troy Tisserand during an onsite inspection held by a third-party verification company with no biases towards 4 Pillars Consulting Group.
4 Pillars Consulting Group is dedicated to helping consumers who are currently struggling with credit card debt, budgeting issues, or other financial problems. Troy Tisserand stated the following about his company, "In Canada, we represent the debtor. We work with the person who is in debt whereas most of the others in the industry work for the benefit of the creditors. So, our goal is to evaluate the file and to look for solutions that would have the greatest impact of reducing their debt and helping them become stabilized and then looking forward be able to move on and accumulate wealth."
Leads for 4 Pillars Consulting Group are primarily obtained through online advertisements, strategic partnerships, and referrals. Mr. Tisserand explained that potential customers will receive a free hour consultation, "our initial rule is to educate them on all their options, evaluate where their financial situation is, and offer suggestions from which they could fix their situation. We go through all options including options that do not even work with us as an opportunity to provide an unbiased opinion on their financial profile. If they choose to use 4 Pillars we have them sign a contract, they give us a deposit, and we start to work on their budgeting and like I said we incorporate a lot of financial literacy into what we do so there is a big education component that we really work to ensure as an individual they are not a client of 4 Pillars again. So we built our entire business model on not having repeat business. That is a big part of what we are in our culture."
CUSTOMER CARE & COMPLAINT RESOLUTION – 4 PILLARS CONSULTING
4 Pillars Consulting Group was asked to describe a situation where a client was not satisfied with the level of service they received. Mr. Tisserand explained that 4 Pillars Consulting Group integrates with an independent review service called Trustpilot. This service allows their customers to have a platform to provide feedback on their experience. Mr. Tisserand explained the process for dealing with negative comments on this site, "we will automatically reach out to that individual try to figure out what has occurred and what they may be struggling with. And then what we do is we use that feedback to try to determine that someone else that may be in a similar situation will not have the same experience. So, there is a feedback loop there that we are always using. And our goal is always to make sure that everyone has a valuable and a meaningful experience with 4 Pillars. I think we have over 850 reviews and our score is 9.5 out of 10 which is considered excellent."
When asked to comment on complaints posted on Ripoff Report's website Mr. Tisserand stated, "on those complaints when they were posted we actually reached out to the individuals and in both cases, they were resolved outside of the platform. It is just that people don’t read that far down. In both cases, we followed the escalation process and were resolved years ago. We don’t get a lot of complaints we have been in business 15 to 16 years and I can count the number of complaints on 2 hands." To further assure future and current clients 4 Pillars Consulting Group is licensed in Alberta and are highly rated on both the Better Business Bureau and Trustpilot.
4 Pillars Consulting is dedicated to constantly improve their customer experience, "We continued to improve our model. So we came out a new set of office in procedures, processes, and manuals for our offices to use that create a better-standardized service. We created Trustpilot which was very important, we registered all our offices with BBB, and we have also taken over the customer service roll into the main office which used to be escalated at the local office we now to make if an issue occurs we make sure that it is professionally handled."
4 Pillars Consulting Group is proud to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program. Mr. Tisserand stated the following, "for us it really means is to give consumers confidence that 4 Pillars is a reputable business that provides outstanding customers service. That really, we feel that by coming through the 4 Pillars program that customers have the best opportunity to deal with their debt, so we do not want to have the negative reviews that are there to distract them or deter them from using our service."
4 PILLARS CONSULTING GROUP – STATEMENT FROM THE PRESIDENT AND CO-FOUNDER – REG ROCHA
" We are one of the top ad agencies for helping small businesses consumers understand their debt. With us, you'll always receive a customized approach to debt restructuring that comes from a team who consistently uses strategies to fit the financial needs of small businesses and consumers all over Canada. Please take time to review our site, learn about some of our tools, meet the people who will manage your account, understand our history, and receive answers to some of your questions.
4 Pillars Consulting Group Inc's team have expressed that they feel very confident doing their job. 4 Pillars Consulting Group Inc takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, "4 Pillars Consulting Group Inc takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, "4 Pillars Consulting provides a very positive environment to work in. Opportunities for suggestions and improvements are encouraged. 4 Pillars is truly concerned about our contribution to the company and providing growth opportunities for everyone. 4 Pillars takes the time to listen and communicate with employees and customers."
Ripoff Report was pleased to learn that 4 Pillars Consulting Group Inc's past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.
STATED IMPROVEMENTS FROM 4 PILLARS CONSULTING GROUP
4 Pillars Consulting Group Inc recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report's review, 4 Pillars Consulting Group Inc has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.
In summary, after our review, which included discussions with 4 Pillars Consulting Group Inc recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report's review, 4 Pillars Consulting Group Inc has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience. In summary, after our review, which included discussions with "Troy Tisserand", Ripoff Report is convinced that 4 Pillars Consulting Group Inc is committed to quality delivery of services resulting in total client satisfaction. 
How does a business get Ripoff Report Verified™
The member business allows Ripoff report to email everyone from the past. Those who respond to Ripoff report with a valid complaint must be take care of. They have made a commitment that if anyone contacts Ripoff Report in the future, they will make things right within 14 days. The member business must err on the side of their customers. Otherwise the member business is off the program.
Ripoff Report has determined that 4 Pillars Consulting Group meets Ripoff Report Verified™ standards which include a commitment to make a good faith effort to resolve any consumer complaints. Members of the Corporate Advocacy Business Remediation and Customer Satisfaction program do pay a fee for our on-site review, 24-hour monitoring and for support with customers to resolve any disagreements.
Ripoff Report sends a 3rd party service to do an onsite inspection of the new member business. The on-site inspection / review does not mean that the products or services offered by the business have been evaluated or endorsed by Ripoff Report and has not made a determination as to the business' product quality or competency in performing services. We can verify, that Ripoff Report went to the business, verified their business or “work from home business”, there for, if a customer in the future does not get treated correctly, Ripoff Report can get the problem resolved. If not, and the customers is right, the member business will be taken off the Corporate Advocacy Program. Remember, Ripoff Report emailed every customer from the past that filed a complaint to make sure the member business made things right with customers from the past. Again, to err on the side of their customer, those from the past and those in the future.
Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.
Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. This program works.
As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint, so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses, so we can insure that the member business did right by their customer.
NOW TO THE ORIGINAL REPORT THAT WAS FILED
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4 Pillars Consulting Waterloo Ontario
ABOUT THE RIPOFF REPORT BELOW:
Ripoff Report would like to let readers know that Ripoff Report emailed this customer, so the member business could make things right with them. When a business joins the Corporate Advocacy Program, Ripoff Report emails everyone from the past so the member business can make things right with them. Of course, everything within reason. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses, so we can insure that the member business did right by their customer. The author of the Ripoff Report below never responded to our offer to help them.
NOW TO THE ORIGINAL REPORT THAT WAS FILED
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4 Pillars Consulting Group is a company that claims they will reduce their client's financial debt. They claim they specialize in eliminating large portions of their client's debts through financial restructuring. When I walked into their office the first week of October 2007, I was looking for some help with my 2006 taxes owing, as I was in arrears by 6 months. I had a great credit rating of R1. My creditors were happy with me. It was only the taxes owing. I walked into their office and I met with Maury. He told me that he could reduce my debts by almost half. I was skeptical, but he assured me not to worry. It wasn't my intention to get out of paying my bills, as I'm responsible for them. I expressed this to him, and showed him my credit rating that was in good standing with my creditors and that it was just the taxes I needed help with. He looked over what I owed verses my income and told me that I had no cash flow and that I qualify for their services and that I need to reduce my debt and to be able to have some cash flow again. He told me not to worry about my creditors as they write these debts off. He told me that I should include my 2007 taxes also. So we did. He charged me $3,000.00 which I could only afford to pay $1,000. per month over the next three months. My proposal could not be completed and ready to go to the trustee until my last payment was made. He asked me to stop paying my creditors in October. I found that very hard to do, but I eventually stopped paying my creditors in December when I made the last payment to Maury. My last payment was made near the end of December and my proposal SHOULD HAVE BEEN ready for the trustee in early January. It wasn't! They had 3 months to get it prepared. February came and I'm getting anxious as my creditors are calling me and leaving messages wanting to know why the payments had stopped, and I'm sitting in the dark as to why 4 Pillars hasn't completed my proposal yet. I'm now emailing 4 Pillars wanting to know what's the delay? Finally they're ready to meet me in early March. Instead of a meeting with Maury to go over my proposal, I meet with a different consultant, Scott, whom I have never met before. I have 10 minutes to look the proposal over as the trustee is waiting in the other room for me to sign it. I'm told by the trustee that my payments on 4 Pillar's proposal will be $320. per month. That is the amount 4 Pillars put on the proposal. I wasn't asked about it, as I would have made this amount around 500 - 600 dollars per month. I just assumed 4 Pillars and the trustee came to this amount via their calculations. I didn't ask any questions as they're the experts, NOT ME! Now the proposal has to be accepted by the creditors. Again, at each meeting with Maury, he told me not to worry as my debt load would be decreased. They have an excellent track record of negotiating successful settlement proposals on behalf of their clients. Two months later (May)I receive a letter from the trustee saying my proposal was filed on March 14, 2008 and I'm to meet in his office on May 16th, 2008. I met with the trustee and he told me the creditors have an amended proposal for me to sign. The creditors want $900 per month for 5 years. I was told that if I don't accept this proposal and if I decide to go bankrupt, then they will come at me wanting around $1,500. per month, so I'd better accept this proposal. Driving home from that meeting I was in total shock. Not only did I pay 4 Pillars $3,000 dollars to help reduce my debts as per their claim. But now I had to pay thousands of dollars more, than what I owed at the time of walking into 4 Pillars office in the first place. Not to mention that my credit rating is now R7!! And I have to wait 5-6 years to be able to get an R1 credit rating again. There was no one looking out for my best interest! After that meeting with the trustee, I called 4 Pillars and asked to meet with Maury and Scott to find out what happened. Maury didn't show up. Scott said the creditors wouldn't budge. Mostly it was the Canada Revenue Agency taking a hard stand. Scott tried lying to me about my figures and that they didn't include the 2007 taxes. I told him I have an email from Maury stating that he did include my 2007 taxes. I asked if 4 Pillars would refund me my money as they didn't decrease my debt. They INCREASED MY DEBT!! They made me R7!! They took too long completing my proposal which made my creditors unhappy, which is why they probably took a hard stand against me. Then they lie to me. So yes, I feel the least they could do, is to reimbursed me my money for their terrible service. I was told by scott that 4 Pillars doesn't guarantee that the creditors will accept their proposal. Again, each meeting I had with Maury, he assured me not to worry!! Not once did he say to me that my proposal could go the opposite way and I could pay more money to my creditors than what I started with. I wouldn't have taken this route. All I needed was some help with my 2006 taxes. Here I am, on my own, now owing more money then what I originally owed when I walked into 4 Pillar's office! My R1 credit rating is gone and can't be repaired for 5-6 years! I'm now R7! My chances of getting any credit, or buying a house in the near future is very slim! 4 Pillars has washed their hands of me. They left me high and dry! They took my money, gave me terrible service, and they didn't do what they claimed they would do for me! They feel their job is done and that they did nothing wrong! They haven't apologized to me or accepted responsibility for their actions. I trusted them to look out for my best interest. If anyone can help me, I'd greatly appreciate it. L.p. New Dundee, Ontario
Canada
2 Updates & Rebuttals
L.p.
New Dundee,Ontario,
Canada
4 Pillars franchisee in the Kitchener/Waterloo area - Satisfied customer! My reported concern was dealt with in a very professional manner.
#2Author of original report
Mon, December 22, 2008
Unfortunately, the report cannot be retracted based on website policy. However, just to clarify, I can assure you that my reported concern was dealt with in a very professional manner by both Maury and Scott Patton. Both parties were able to resolve the issue in an amicable manner and I now consider this matter closed. I would like to add that the contract in question was with the 4 Pillars franchisee for Kitchener/Waterloo and not with Four Pillars Consulting Group Inc., the franchisor of the 4Pillars system in Canada, who was not involved in the dispute in any way, and my issue also does not reflect the conduct or services of any other 4Pillars franchisee operating in Canada.
L.p.
New Dundee,Ontario,
Canada
Re:4 Pillars - Client is now Satisfied.
#3Author of original report
Thu, November 27, 2008
4 Pillars settled out of court with the client. The client is now satisfied.
