Business ProfileforInCharge Debt Solutions
Credit and Debt Counseling
Current Alerts For This Business
Alert:
Consumers with a complaint should first contact the company directly at 1-800-408-1974.
At-a-glance
Customer Complaints
9 complaints closed in last 3 years
3 complaints closed in last 12 months
Customer Reviews are not used in the calculation of BBB Rating
Related Categories
Overview
Business Details
- Location of This Business
- 5750 Major Blvd Ste 300, Orlando, FL 32819-7971
- BBB File Opened:
- 10/23/2002
- Years in Business:
- 27
- Business Started:
- 8/22/1997
- Business Started Locally:
- 6/10/2000
- Business Incorporated:
- 4/8/1999
- Accredited Since:
- 10/23/2002
- Licensing Information:
- This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
- Some states may require licensing.
- Type of Entity:
- Corporation
- Alternate Business Name
- InCharge Institute of America Inc
- InCharge Housing Counseling Services
- Bankruptcy Credit Counseling & Certification
- Related Businesses
- Hours of Operation
Primary
- M:
- 9:00 AM - 10:00 PM
- T:
- 9:00 AM - 10:00 PM
- W:
- 9:00 AM - 10:00 PM
- Th:
- 9:00 AM - 10:00 PM
- F:
- 9:00 AM - 10:00 PM
- Sa:
- 9:00 AM - 6:00 PM
- Business Management
- Nidia Mercado, Director of Industry Relations/Customer Support
- Loretta Roney, President and CEO
- Contact Information
Principal
- Nidia Mercado, Director of Industry Relations/Customer Support
Customer Contact
- Nidia Mercado, Director of Industry Relations/Customer Support
- Karen Carlson, Director of Education and Creative Programs
Customer Complaints
9 Customer Complaints
Need to file a complaint? BBB is here to help. We'll guide you through the process. How BBB Processes Complaints and Reviews
File a ComplaintMost Recent Customer Complaint
03/22/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I spoke to someone at InCharge on 3/13/24 regarding a credit card I have with Chase that has a high balance and a high interest rate. We spoke about InCharge possibly taking over the credit card account and how I could pay InCharge a monthly amount instead of Chase at a lower interest rate. At the end of the call I was informed that I needed to sign, date and email or fax back a form so that InCharge could speak to Chase about them taking over my account. After I hung up, I thought that it was not in my best interest to do business with InCharge, so I did NOT sign/date nor return the form to InCharge. A couple of days later I noticed that InCharge debited my checking account. I called ***** immediately (claim #*** 936 213 390 001) on 3/15/24 and told them all the above information and that I would like the charges reversed and I would like to make it so that this company could not debit my checking account again. ***** did reverse the debit, so I figured it was all done. Last night (3/21/24) I went to use my credit card and it didn't work, I went to Chase.com and I noticed that my account was closed because InCharge closed it ... even without my written permission. I was told by InCharge that they could not even talk to ***** without me signing that form (which as stated above, I did not sign/date nor return), so I don't know how they were able to debit my checking account or how they were able to close my Chase account. I spoke to three different people at ***** today (3/22/24) and the third person I spoke to (**** ID #******** told me that I would have to speak to InCharge to figure out if I could cancel the contract. I explained that I do not have a contract because I never signed anything ... but ***** does not seem to be able to help me any further. I also do not want to speak with InCharge directly as I believe they are defrauding me and do not want them to try to make me say something that is not true. I am attaching the Creditor Authorization Form from InCharge that I did not sign so that you can see it.
Read MoreCustomer Reviews
14 Customer Reviews
What do you think? Share your review.
Most Recent Customer Review
Tina S
2 stars09/30/2024
In charge wants you to pay upfront plus a $50 fee before they even talk to your creditors and then I get an email saying for my credit cards are not gonna be on there because they want the payments ahead of time now I worked with other debit companies and they have always sent the paperwork to the credit card companies first to have them accept it ************ tells you what to pay and expect you to pay right then and there before the credits except the payment and I was told by ****** who I talked to that saying *********** which Im having an issue with once their payment ahead of time before they accept it And then they get on the phone when you let them know that youre not paying right away and what day you can pay and make you feel like youre not doing your job when theyre the one that is not doing there correctly I feel all they want is money before they even get a hold of these creditors or fax of anything and I had to email them ***** times to get them to send the creditors the paperwork over and then I have to call to find out if it went threw and then to come to find out that they took all four of my ***********s off because theyre saying *********** is not gonna work with them unless I pay first so Im not very happy with this company at all InCharge it told me that the rules changed all the time OK so why dont you let your customers know ahead of time what rules are changed cause all your time that I email or call its all about money and I dont know what Im paying for and come to find out by email that only two of my credit cards are on there and that the last 4 ***********s are not on there cause they want their payment first thanks for telling me and I had to call you
InCharge Debt Solutions Response
10/03/2024
Dear ****,Thank you for taking the time to share your experience. Were sorry to hear that youve encountered some challenges, and we sincerely apologize for any frustration youve felt during this time. We always strive to provide the best service possible, and we appreciate your feedback, as it helps us improve. As a courtesy, we did waive the $50.00 setup fee in this case to help address some of your concerns. Regarding the *********** accounts, the process of holding proposals until a payment is scheduled is in place to ensure that everything is properly set up before your accounts are officially enrolled in the program. This step helps to confirm that the program will proceed smoothly and that all creditors are aligned with the repayment ********* love the opportunity to connect with you directly to better understand your concerns and to assist you further. Know that an attempt was made to personally speak with you, but we were only able to reach your voicemail. Please contact me at your earliest convenience so that we can help resolve any remaining issues.Thank you again for your review and for allowing us to be a part of your financial ************ regards,****** ********* InCharge Debt Solutions
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