Citizens Debt Relief (www.citizensdebtrelief.com) has a 4.0 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 22% of reviews are 1 star, a relatively high share; The business has replied to 23% of negative reviews; 75 of them were added in the last 12 months. Last updated 2026-08-30.
Reviewers had a great experience with this company. Customers frequently praise the helpful and knowledgeable staff for guiding them through the debt relief process with incredible patience and very clear explanations. People deeply appreciate the supportive customer service, noting that representatives make them feel truly comfortable and confident during extremely stressful financial times. However, some reviewers were not happy with the communication and support, mentioning ongoing difficulties in reaching anyone via phone or email for assistance. A few other people also felt that the overall debt settlement process did not meet expectations, pointing out persistent issues with accounts and a lack of follow-up.
Auto-generated from all reviews of this business. For reference only.I don't know Chris' last name but he was excellent in explaining the program to me. I got burnt by another co. That took me for about $1500 so I was very hesitant at first. He explained how it all worked and assured me Citizens was a reputable business. Also customer service did a follow up and helped me to feel even more comfortable.
I didn't have to raise a finger to get everything done. How fabulous is that! Alex is the best at what he does so ask for him.
Would never recommend. No communication. No results. They have failed me and now I am being contacted by attorneys from the banks I owe. I am so disappointed I would not recommend them to an enemy. What do I do now? They have left me to the sharks and they still have all my money. Warning! Never use this company. It will be the worst thing you've ever done. Use National debt relief.
Thomas Fischer went above and beyond to help me understand the process with my creditors and the loan. He took the time to explain everything to me and really listened to my questions. He promptly answered my calls and I felt comfortable with him helping me. I highly recommend him. Thank you Thomas!
We are in quite a predicament. I feel Conor is trying to guide us in figuring out how to address our debt situation best. I look forward to continuing this journey and hopefully becoming debt free.
EVERYTHING IS WRONG WITH THIS COMPANY ‼️I PAID IN $1800 TO THIS COMPANY ‼️FOUND A BETTER WAY & REQUESTED A REFUND MONTHS AGO‼️ALL IVE BEEN GIVEN IS THE RUNAROUND ‼️ALONG WITH A MILLION EXCUSES‼️‼️ALL I WANT IS MY REFUND I WAS TOLD IT WOULD BE IN MY ACCOUNT BY JUNE 30 2025‼️STILL NOTHING & THEY NEVER RETURN YOUR CALLS‼️AT THIS POINT IM HIRING AN ATTORNEY BECAUSE THEYRE NOT WHAT I EXPECTED THEM TO BE‼️AND NO DEBT WAS RESOLVED FOR ME‼️ ATHEY ARENT WORTH IT‼️
I was guided through the process with clear communication, professionalism and patience. The process was stress free and I felt supported from start to finish.
So far, they have done everything they said they would do
I appreciated how the company stayed in touch with me. If I ever had questions by text, I was able to get answers as well as emails with my concerns. Addressed, they work with me on the amount that I can pay monthly be in that I was on a fixed income overall. The process was painless, sometimes we're very hard. But the outcome and the end process was the main result. And I'm so happy with the way they helped me get away from this debt. I recommend.
Unsure now the experience has been a little rocky but only 4 stars
The whole process from the first phone call was very professional. Mr. Kay had all my information and calculations ready to discuss. The papers signed and the documents were completed. Very efficient job. Thank You, Katie
Connor Cousins with Citizens Bank made this a fast and stress free experience!
TRUSTPILOT are you reading these reviews? Citizens Debt Relief is scamming people! You should be checking into this and not just endorsing them. It is disappointing that what should be a trusted source is essentially stealing peoples money. Review your Reliant (RAM) Accounts for your current escrow funds. See if it matches the payments negotiated and accepted by you, if any and verify that your creditors have received the funds. Demand someone at Citizens Debt Relief give you the Login and Password. It is your account and your funds are held until withdrawn by Citizens Debt Relief or check is cut to your Creditors less the maintenance fees by Reliant of $10.95 per monthly fee and $20.00 for their Annual Fee. VERIFY YOUR ACCOUNTS!!!
We regret that the client is upset with their service evidenced by repeated complaints and one star reviews on multiple platforms. This client has been fully refunded less services rendered. We have fulfilled our obligation as per the enrollment agreement.
Was wonderful and helping me fix the credit problem that I had and pretty much guided me in every step of the way from answering my questions to informing me thoroughly what the process holds going forward. Highly Recommended in handling your credit needs
Enrolled in a program in April 2024 to consolidate 5 separate creditors. Six months into the program, I was advise to to do a loan in the amount of their proposed settlement plan amounts, $35K. Applied and got loan on 36 month payment terms. This month, received an email that settlement with creditors was completed and all funds ($35K loan) had been expended. Only 1 creditor paid in full and partial disbursements to remaining 4 creditors. Now I'm responsible for remaining balances with said creditors as well as $35K loan. Final statement from CDR showed they paid themselves their 20% ($19K). Same balance owed to remaining 4 creditors. **AVOID AT ALL COSTS**
Brandon Turner was very nice pleasant and explained things so I could understand.
If I could rate negative stars I would. I cancelled this service and asked for a refund. I have gotten the run around for more that a month. Every person I talk to on the phone gives me different information and when I try to find out more, I get different answers. Horrible customer service, no one seems to know what others are doing. I think it is just a way to make people give up. It is ridiculous! First they said 2 weeks, then it was 21 days, then it was 21 business days, now I just got an email saying it would be 30 days. Like WTF?
This client has received a full refund. We also settled the clients Chase account. We kindly ask the client to reconsider their review and wish them the best of luck.
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