Founded in 2003 and headquartered in Tulsa, Oklahoma, Global Client Solutions is a debt settlement company that offers customers a solution to help them payoff their debts and get their head above water.

There are a number of big positives to this company and its services, but there are also a few negatives, and we will cover both of these things in our Global Client Solutions review. First though, let's learn a little more about GCS and what they do.

Global Client Solutions Review

About Global Client Solutions

Basic Information

  • Address: 4343 S 118th East Ave Suite 220, Tulsa, OK 74146-4400
  • Web Address:
  • Date of Founding: 8/6/2003
  • Contact Number: (800) 398-7191
  • BBB Accredited? Yes, since 2005.

The Company

For all the negatives about Global Client Solutions, and there are a lot, they are accredited by the BBB (with an A+) rating and they have also been operating since 2003. They know what they are doing, and contrary to some of the claims we have seen online, they are not a scam.

The Employees

There are over 180 employees working for Global Client Solutions and many have come and gone. We have only heard from a small number of former employees and they don't have a lot of good things to say about working there. Still, we will give them the benefit of the doubt and not comment further based on the fact that we don't have a lot of reports to go on and have not spoken with any current employees about this topic.

The Reviews

In our own Global Client Solutions review (below) we discuss some of the lawsuits filed against this company, as well as the fines levied against them. The issues that triggered these also led to a lot of complaints and bad reviews, but even those issues are in the past, there are still a lot of complaints and bad reviews about this service.

Many of these concern the customer support, which is said to be slow and non responsive at times. This is worrying for a company in this sector as you want to know that there will always be someone on the end of the phone if you need them.

Our Global Client Solutions Review

Global Client Solutions offers an account management solution, but they do not negotiate settlements and are not affiliated with any other settlement companies.

They work with a variety of unsecured debts, but they do not work with payday loans. To help settle debts, the company provides a unique dedicated account that gives consumers greater control over their funds, but for all of the positives there are also many negatives and these will be addressed in our Global Client Solutions review below.

The Good

Track & Save

Global Client Solutions offers customers a dedicated account that can be accessed online at any time.  This account acts as a means for clients to safely save, disburse, and track funds related to the debt settlement purposes. The FDIC fully insures all accounts opened and help by Global Client Solutions, so there is no risk here.

Special Purpose Account

Global Client Solutions works to help settle outstanding debts by utilizing a special purpose account for their debt relief program. Upon agreement, a monthly amount will be withdrawn from the customer’s bank and deposited in this account, after which the money will be passed onto creditors. Those creditors will be able to see the balance in this account at all times, and will understand where they stand and what hope they have of getting those debts settled.

Settlement Advisor

A toll-free number is provided to give all customers direct access to an experienced member of staff who can help them with any issues they have. This can be used during normal business hours. Customers are also referred to a Settlement Advisor who they can contact if they experience any issues during the debt settlement process.

Global Client Solutions

The Bad

Will Not Negotiate

There is no negotiation service to help talk down the total amount of debt a client has. The company solely provides a special account where the client can manage their funds and learn how to manage their finances. It's glorified budgeting and money management, and it's a far cry from the services offered by the likes of Pacific Debt, Mossler, and many others.

Illegal Activity

In 2014, Global Client Solutions was charged by the Consumer Financial Protection Bureau (CFPB) with an enforcement action. They determined that Global Client Solutions was charging an illegal upfront fee, a practice that had been abolished in the debt settlement industry back in 2010.

Global Client Solutions was forced to pay over $6 million in relief to customers and $1 million in civil penalties. They took a huge hit after what was a very stupid mistake, but on the plus side, it's a mistake that they will not make again and it's proof (as if customers needed it) that there are authorities willing to clamp down on rule breakers in this industry.

Various Fees

In addition to the fine mentioned above, Global Client Solutions was hit with a lawsuit, and received a huge number of complaints, concerning their various fees. These were being charged for admin services, processing, and more, and customers clearly felt that they were unnecessary.

The lawsuit, which was filed back in 2011, outlined just how high those fees were, noting that in addition to a one-time account fee of $9, they also charged a monthly service charge of just under $10, a $15 wire transfer charge (per transfer) and more.

There are several issues with fees like this, and with the companies who charge them. Not only does it show a lack of respect (they are, in essence, trying to squeeze all the money they can out of the people who are struggling the most) but monthly fees mean that the company has no incentive to settle quickly, because the longer it takes, the more money they will get.

It's only $10, but these companies can work with thousands of clients a year, which means those small amounts turn into 5 and 6 figure sums. This is especially concerning when you consider that the longer this process is delayed, the higher the risk of litigation and further issues.

Lack of Accreditations

Global Client Solutions does not carry any accreditations from industry leaders, but it may be that they are under review and these accreditations may come in time. It could also be that they simply don't want to abide by the rules and regulations required to carry these accreditations and that's the assumption that we have to make until this changes.

No Money Back Guarantee

There is no money back guarantee on Global Client Solutions, which is a huge downside. The vast majority of debt settlement companies have this option, and it's very disappointing to see a company that does not. This guarantee provides some assurances to prospective customers, as they know that they can cancel the service without losing any money if they decide that it is not quite for them.

The Bottom Line

Global Client Solutions helps people around the United States with 3rd party processing services for the debt settlement process. The company provides a special dedicated account that allows clients to have full control and access to their account. It sounds straightforward and on the surface it may even seem preferable to some of the other companies that we have reviewed. But there are too many negatives here and we're not convinced that they have learned their lesson with regards to fees.