Rate and Review

CESI Debt Solutions – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.

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READ  Choosing a Debt Management Plan? Here are 9 Things You Should Know.

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • DO NOT GIVE THESE PEOPLE YOUR BANK INFORMATION!!!!!! I was double billed my first month in this program and they refused to fix their error. Their representative told me that it was my bank’s responsibility to fix CESI’s errors and refused to refund my money or transfer me to a supervisor. Extremely shady and predatory conduct AVOID.

  • I have a complaint right now. I was under the impression that my monthly payment, less the monthly fee, would go straight toward my account. Well, not one cent of the over $300 that I’ve paid so far has gone toward my debt. Fortunately, I have been making the minimum payments on my own each month, but I am paying for a service and I expect to receive it. I sent an email but no response yet. Will keep everyone posted.

  • So here’s something they don’t tell you. Once you join their program, they shut your credit cards down….for good. I joined CESI debt solutions just to make my payments simpler, not due to any financial problems. So when I actually had financial problems, and needed to use my credit cards, they were all inactive. So I told this to CESI, and cancelled their program….nope! Still can’t use my credit cards, so now I can’t make payments, and have no safety net in place for my bills….Fantastic. My credit score, which was just fine, is now ruined, due to the morons at this company caring more about their monthly program fee than fixing your credit score. Thanks a lot.

    • Weird, they were very clear with me that my accounts would be closed. Not sure where the misunderstanding came from.

    • Justin, They told me up front the cards would no longer be active. U also have the option to keep a card open & not add it to the program. My rep. explained this to me too. I kept one card open for emergencies. U should also have asked questions of your own & done ur own research prior to signing up. It’s not their fault. Most debt help places make U close ur accounts. No problems here, they’ve helped me. I’m a satisfied customer.

    • So strange they were very clear to me on my credit cards will be closed and it will have some impact on your scores but so far they’ve help me not recd collection calls or letter

  • I have been working with CESI for a little over a year. My minimum payments are now being made and everything is as promised except that CESI agreed to my due date being on the 15th of every month. CESI doesn’t receive my payment until the 15th and are paying “late” by about a week on MY behalf. I have had to call my creditors and change the due date that CESI agreed to because the due date is not reasonable. Also, when signing up I did not receive all of the information I should have. The period between sign up and proposal acceptance was not explained to me and I now have delinquencies on my credit report because the minimum balance wasn’t changed until the proposal was accepted and CESI was paying the proposed balance at this time. This caused MY credit to appear delinquent because the difference in minimum payment and proposed payment was not paid. Lastly, I was told what my current balances were as CESI worked out my payment plan. However, I was not told that the balances were actually NOT up to date and when CESI said a bill was paid in full, it actually wasn’t. Without knowing that the payment was not being made my account fell delinquent until the creditor contacted me about the debt. If CESI would do a better job explaining the transition between sign up and proposal to clear up the things I was not told, the company will probably be a very good one. I felt that CESI had resolved my credit issues and was not aware that things such as previous past due balances and such were not a part of the creditor-CESI agreement. I’m sure a lot of customers are in debt because they do not understand these same things and CESI would be a great company if they would take the few minutes to explain to customers exactly what his or her role in debt collection is.

  • I have used CESI to pay off 7 credit card accounts. I chose to do this rather than file bankruptcy. I have nothing but good things to say about the company. Now after 5 years I have had great customer service. This group has been easy to communicate with and have responded to my issues and concerns in a timely manner. I can’t remember if there was a fee or not when I started working with them but I have been paying one $16 fee monthly for quite some time now. This is nothing compared to the high interest that I had been paying on these cards before the program.

    Since I started working with them over 5 years ago, I can’t remember all the the details. This company was referred to me by a financial group. I looked into the company via internet before contacting them. When I called the Customer Service Rep. that I spoke with answered all my questions and explained how the program worked. After going over everything I gave the Rep. the names of each account, the account numbers, my monthly payment, and the balance owed on each. CESI negoited my payment with each credit card company and each one agreed to the new payment. I made one monthly payment to CESI, they paid each credit card company. Each month I would review each credit card statement and I would see that the new, lower payment had been applied to the account and eventually paid off showing a zero balance just as they said. The first 5 accounts took 5 years to pay off because of the large amount that I owed, the last two will take 2 years to pay off.

    CESI did not report to the credit bureaus that I was working with them like some debt management groups do but Understand that they did require me to close my accounts. Be aware that this has had a negative impact on my credit rating but still not as bad as bankruptcy. CESI has never missed a payment and the first five accounts show on my credit reports as paid off/zero balance. I have no complaints at all and have recommended CESI to my family and friends. I sitll advise them to reserch CESI and make sure that all their questions are answered and to decide if CESI is right for them too. 

  • I have been with CESI for about 6 months.  I have nothing but good things to report.  I receive regular updates, they are promppt to give me the infor mation I need and I can breather a little easier.


  • Hi Steve–

    Nicole from CESI here. Thanks for bringing us up. We LOVE to hear the opinions of our clients! We enjoy your blog and will be checking often for feedback. If someone has a concern or complaint, we hope they will leave their contact information so we may follow up and try to rectify the situation.

    Nicole at CESI Debt Solutions
    .-= Nicole´s last blog ..Tempers continue to flare over Healthcare Bill. =-.

    • I was with CESI from 7/06-4/09 and thought I was out of debt. But recently I received a letter from a creditor and decided to look into my CESI account and apparently whenever they received a settlement letter they stopped making payment to the creditor without my knowledge. So of the 12 accounts I had with CESI after 3 years only 3 were actually paid in full. Now I’m tasked with finding my accounts since they’ve been transferred probably a million times. These accounts don’t even show up on my credit report anymore so I had no idea that they were delinquent.

      I’m currently awaiting a phone call from a supervisor or manager from CESI. I will keep everyone posted.

      Nicole please let me know your extension and I will definitely call you about my account.

      • Hello Bobbett–
        I’m sorry for your confusion but I can get you in touch with the right people, so that we can get this all straightened out! Please contact me in whatever way is most convenient for you and I will get you in touch with our Client Services manager. My contact information is:

        Phone: 919.861.5325
        Email: [email protected]

        At the very least, I can ensure that manager phone call happens almost immediately.

        Thanks so much for your patience and we’ll get you straightened out.

        • Bobbett,

          I’m sure you will get excellent customer service. Let us all know how it goes. The mark of a great company is not that problems happen, but how they address them.


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