Consumer complaint received 2022-12-09
Company: Loqbox US Inc
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Company had no way of contacting customer service. I reached out when I first started having problems. Notice no phone # on company website. I mailed documents to them asking for help & I called numbers attached to all credit reports. It led to automated voicemails and never did they answer or call back. The numbers and address of business were Changing on reports & also numbers. They never worked. If you research Loqbox you will see they have done this to so many people. I cant get records, I cant get actual documents, I cant do anything other than keep trying to figure out ways to beg for help. If youre locked out of their account you couldnt email them when they first started. You had to log in & send a message in a portal then message disappeared leaving no trace of me or others proof showing we did. Company also used its XXXX business to conduct business with my account & they emailed from this. I never asked or signed any contracts with a XXXX company nor would I. The company has multiple names which j sent and showed this company and you CFPB that this company said I didnt pay. I showed you banking statements proving I paid bud somehow I received a letter saying you dont handle this stuff. Then I filed a complaint against XXXX bc they told me they dont investigate nor will they ever & I filed it thru here. Since then its been absolutely terrifying. They sent me a letter saying I am not aloud to dispute this account. I didnt know filing a complaint thru you all would mean they get to do whatever they want with me. 
Company will not for the last year and the multiple times I begged for records wont send them. Nor can I get records proving I completed the account. Nor can you get them to talk to you on phone. Nor could I get them for a year to answer emails. So they have after a year and half finally replied and still wont give me documents & wont show me anything. How is a company able to do that to people. How is Loqbox even allowed to operate in the USA after what it did in the XXXX then it uses the XXXX company to communicate with me and my credit report? Somehow I paid the account and on the days it was owed Loqbox auto withdraws d money from my account. Loqbox never ever tried to take out what they say was missed. How can I pay on the day I owe but I dont bc its actually automated and then it makes the payment and congratulates me but then that results to me missing 6 payments in a row and customer service wont get me anything I requested. Been denied from everyone for help. Employee said I didnt have funds in my accounts to make the 6 missed payments in a row? 
Company refused to call me back and investigate or allow me to request ask dispute or know of anything like that. They openly said to me in a email just a bit ago that they dont communicate by phone with customers and I said well I got the phone number from my credit report and you are the one that gives that to them and its my credit report and Ive been screaming at the top of my lungs there nobody there it doesnt exist. The company doesnt or wont give me a copy of my contract. I cant get a look at anything. The bureaus wont listen. How do you stop a company when they have all your information and Your making payments but they decide hes missing this one and this one and this one lol then customer is like wit I want to quit or wait Im locked out or wait Im a victim of identity theft which I was and am but you call no answer or you mail official letters and handwritten letters and the only way I could communicate with them is if i logged into my account went to a portal and sent a message that poofs disappears and then I wait and wait but for what? The phone? The mail? The disappearance of the email? I cant do anything because this company that has broken so many laws and rules and honestly proper business manners is literally making it harder on hundreds of thousands. Go read the emails of Loqbox then look at their investments. Not mainstream but decentralized and you will see they profit on all sides. Thats conflict of interst, I also suspect my credit report has been stored and sold or opened internationally with our consent, I also believe company lied multiple times to me and credit bureaus. I also cant prove anything bc nothing has ever came to me. Company Is set up like a criminal organization. Please understand that when you log into their website its not the same it was it didnt even have a email addrsss ok. So its set up totally different and begged but no way is it the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation