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Debt relief & credit repair

Charged upfront or unexpected fees

Consumers have filed 1,772 complaints about this, 637 in the last 12 months (-21%), against 344 companies. The most complained-about is Consumer Financial Services Solutions. Companies closed 12% of these with relief.

Companies with the most

Last 12 months.

By month

By state

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Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 9, 2026Freedom Financial NetworkDebt relief & credit repairCharged upfront or unexpected feesFLIn progressYes
Nov 8, 2026Consumer Financial Services SolutionsDebt relief & credit repairCharged upfront or unexpected feesCAExplainedYes
Nov 8, 2026Elevate RecoveriesDebt relief & credit repairCharged upfront or unexpected feesTXExplainedYes
Nov 8, 2026Kriya CapitalDebt relief & credit repairCharged upfront or unexpected feesCAIn progressYes
Nov 5, 2026Freedom Financial NetworkDebt relief & credit repairCharged upfront or unexpected feesMAIn progressYes
Nov 5, 2026ExperianDebt relief & credit repairCharged upfront or unexpected feesILIn progressYes
Nov 3, 2026Regional ManagementDebt relief & credit repairCharged upfront or unexpected feesNCExplainedYes
Nov 3, 2026Freedom Financial NetworkDebt relief & credit repairCharged upfront or unexpected feesNYIn progressYes
Nov 3, 2026The CBE GroupDebt relief & credit repairCharged upfront or unexpected feesCAFixedYes
Nov 2, 2026The J. G. WentworthDebt relief & credit repairCharged upfront or unexpected feesWIExplainedYes
Nov 1, 2026CLGF Holdco 1Debt relief & credit repairCharged upfront or unexpected feesNYExplainedYes
Oct 31, 2026Citizens Debt reliefDebt relief & credit repairCharged upfront or unexpected feesCAExplainedYes
Oct 31, 2026JPMorgan ChaseDebt relief & credit repairCharged upfront or unexpected feesFLExplainedYes
Oct 31, 2026National Debt ReliefDebt relief & credit repairCharged upfront or unexpected feesALExplainedYes
Oct 30, 2026Consumer Financial Services SolutionsDebt relief & credit repairCharged upfront or unexpected feesKYExplainedYes

Your rights with debt relief & credit repair companies

The Credit Repair Organizations Act bans credit repair companies from charging before the work is done and gives you three days to cancel. Debt settlement companies that sell by phone cannot charge fees until they have actually settled a debt. You can do everything a credit repair company does yourself, for free.

Scam warning: Walk away from anyone who wants money up front, tells you to stop contacting your creditors, or promises a "new credit identity".

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

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