Consumer complaint received 2023-08-26
Company: John C. Heath, Attorney at Law, PLLC
State: NV
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
They duped me when I asked about their services. I had explained to them I had previously done my own credit repair and disputed everything myself with success. I hired XXXX XXXX XXXX to see if they could help me out further. They gave me my money back and said you've done everything already theres really nothing else to do, good job. Now I explained this to Lexington Law, that I was willing to do all the paperwork, disputes, pay for deletes on my own and felt capable. My concern was regarding about 4-6 negative accounts showing up as charged-off on my account while i was severely incapacitated and moving from place to place in the middle of corona with poor income, lost my job due to health problems. I said, do you have ways of getting charged-off items removed and how effective are you at doing so? They assured me they should be able to get all the charged off items removed with a combination of a few different letters. I spent hundreds of dollars paying lexington law while they did everything I would've done but slower and less efficiently. I wasted {$370.00} ( maybe more I think I paid one of the monthly fees from a different account ) and the only dispute they resolved for me was deleting a collection account from XXXX which took them 2 days and probably wouldve taken me the same. They didn't get this collection account removed from all 3 bureaus, they somehow managed to get it off of one while finding it too difficult to remove from the other two bureaus. This was the only thing they accomplished for me. They did literally two days of easy work resulting in the first removal, which gave me hope that they knew what they were doing. From the months of XXXX through XXXX I was paying for them to get most if not all of the collections accounts in good standing like their recruiter promised me. Out of the 12 items between 3 bureaus i needed help fixing due to medical emergencies in a pandemic and losing my job, they succeeded in removing only one item and they couldn't even get that item deleted from XXXX and XXXX so they did not help me save myself from unnecessary debt for an account I didn't believe I owed a cent to. I wouldve fought the validity of it over and over again knowing there was false info on it and worst case scenario if I didnt pay lexington law, I'd be able to pay off debts which would boost my credit score much more than 4 months of lexington law services could accomplish. They charged illegal advance fees making me pay for the credit report up front even though I can obtain them for free and already had. They misled me about their services by convincing me they had tactics beyond just debt validation, goodwill deletion, and pay-for-delete strategies. They made it seem like even though I was incapacitated for a year and missed payments on 4 major accounts for a year without access to a working phone or safe shelter, they could get those charged off accounts removed. I specifically asked the recruiter on the phone if theres a large chance that they can be removed EVEN if every single charge off is validated. They said they had many tactics that were very successful. Accomplishing 1 out of 12 assured goals for a hefty sum of money that could've been used to simply pay back lenders is completely unacceptable to me. They didn't even send out letters or take over communication with the creditors so I wasn't burdened by all the work. They would send me templates that took 10 minutes to draft up and are offered for free downloads on their own website for non paying members. And I was expected to send most of the letters in and try to send lexington law all the letters id receive back from these companies. They assured me they would exceed expectations and accomplish more than I could do on my own for free, and that was a complete lie. Either they blatantly lied about the effectiveness of their services or they are purposefully dragging out this project working at an extremely slow speed to get paid more. Without results.

Company response to consumer: Closed with explanation