Global Client Solutions through XXXX XXXX XXXX contacted me last XXXX XXXX 2015 XXXX offering to settle my credit card debts of about {$18000.00} for a total of about {$12000.00} and a fee of {$900.00} for GCSXXXX. The amount I would have to pay them monthly for 20 months was {$630.00} which was to be deducted directly from my checking account on the XXXX of each month starting on XXXX XXXX, 2015. ( I realize that the total for 20 months would have come to over {$15000.00} and I do n't know why I did n't note this discrepancy earlier. ) They told me that my credit score ( then in the XXXX 's ) would take a hit for a few months. I agreed to these terms and immediately gave them over the phone the credit card names and numbers and the amounts owed to each credit card. They told me not to discuss anything with the card companies if they called but to refer the companies to GCS as representing me. They gave me the name and number of a " customer care person '' in XXXX, NJ and said to contact her with any questions. 

From that point on I simply did not answer the phone when I could see that it was from any source I did not know. I told the customer care person I was doing that. She said that was fine but I should fax or mail to her each regular mail communication I received from the card companies and not respond to the companies at all. I have sent her by regular mail every such communication I have received from those companies for the past six months or so as well as XXXX I received from a debt collection company, XXXX XXXX XXXX XXXX XXXX early this month. 

I have talked by phone with that customer care person several times over these six months and have asked for an accounting of what has happened to the moneys withdrawn from my checking account, totaling now {$3800.00}. She has said that GCS has to wait for the card companies to get anxious enough for GCS to be able to get the debt reduced. 

Yesterday I received an email from GCS saying that my monthly account statement is available online. When I tried to access it, I could n't. I called customer care, but the person was n't available. I left a message for her to call me back. She did n't. I looked up GCS on the internet and read all sorts of alarming things. Then I tried to call XXXX XXXX XXXX and speak with the men with whom I had spoken in XXXX. None of them were available and no one called me back. Then I called the debt collection company and settled XXXX of the card debts for 60 % of what the balance was and paid that directly. 

Then I looked up CFPB on the internet. And this is the result. I hope you can help me get back the money paid to GCS since they have done nothing for me. 

Thank you for your existence and for any help you can give me. 
