Consumer complaint received 2022-07-10
Company: Top Flight Assistance (Top Flight Credit Assistance)
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This company led me to believe they cd remove all of my medical debt easily and quickly. They told me that if I paid upfront and in full the submission process is get their help, that my documents would be among the firsts to be sent out and would take priority above all other clients who were pay as they go. They stated that if in 60 days I was unhappy with the services, I was able to request a refund in full. The services they were providing ended up dropping my credit score as well as got my wages garnished. I received a notice for garnishment and was given the opportunity to dispute the item and I was advised that they could no longer dispute that as it was already in far augment stage. They said to send them the j formation on what I was sent and they would review it and get back to me on next steps/ it was a 14 day notice. Top flight my did not help me at all. Their document team did nothing. Told me to get a lawyer. I called another time someone said to me that they were actually still able to dispute that item that was in motion for garnishment, and they didnt know why someone would tell me different. They didnt remove the incorrect items on my report like they said they would, easy simple inaccuracies such as unknown addresses, and name misspellings. After the 60 days and I was still unhappy I attempted to ask for my refund. Thats when a women attempted to tell me that a garnishment was already in play before I began services with them. I was told that in order to get your refund, there could be no lapses with their credit reporting app subscription for a whole year, they said that during that year, there could be no new items added to your credit report, and no late payments made and reported. They then explained that they only had got to send out the first round of dispute letters and had a specific date as to each of dispute responses were due. They said then they would have to incorporate XXXX more rounds of dispute letters. They did get a few removed from my credit, but thats not what I was told would happen. They claimed that in XXXX months my medical debt would be removed and my score wd be between XXXX. In the client portal, it shows which letters were mailed to whom and when but it only has one round created and no additional accounts has ever been removed, we are still at only 10 accounts removed.. and they were accounts that werent having much effect on my report. When I would call back still unhappy ; still trying to get my refund, they would just tell me to have patience they are still waiting for the letters to be disputed and the process to be completed. Its been a year and they havent lived up to anything they promised in the consultation/ they did not perform the services I paid for upfront. I was supposed to receive quarterly over the phone updates on the progress and services that have been provided and never received those calls.

Company response to consumer: Untimely response