Consumer complaint received 2017-05-24
Company: John C. Heath, Attorney at Law, PLLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
XXXX  of  XXXX , I entered into a contractual agreement wit h Lexington Law to repair my credit ( remove negative items and correct wrongfully reported items ). As advertised ; an experienced attorney was supposed to provide : Bureau challenges, creditor interventions, inquiry assistance, score analysis, report watch and   XXXX   Alerts. The cost of this service was the first three mont hs was supposed to be free and thereafter {$19.00} per month or until I cancelled. In  XXXX  of  XXXX  unbeknownst to me  Lexington Law be gan to withdraw {$99.00}.      XXXX  of  XXXX , I noticed my checking account was becoming overdrawn.  XXXX   XXXX , I contacted Lexington Law and listened to a recorded message informing me my account was current and my next payment of {$99.00} would be withdrawn on  XXXX   XXXX ,  XXXX , I contacte d Lexington La w and listened to a recorded message informing me my account was current and my next payment of {$99.00} would be withdrawn on  XXXX   XXXX ,  XXXX . Monday,  XXXX   XXXX ,  XXXX   (   XXXX   XXXX   ),  I contacted  Lexington law  and spoke with a member of the paralegal team  XXXX   XXXX . she confirmed my payment and informed me there had been a {$19.00} promotion a while back. She also said looking at my account she could not figure out why I was being charged {$99.00} but there were also charges of {$19.00} showing.     She asked if she could research the account and call me back. I agreed and also requested that she close my account immediately. I contacted my bank and confirmed the following with-drawls from my accoun t to Lexington  Law :  XXXX   XXXX   (  {$99.00} ),  XXXX   XXXX   (  {$99.00} and {$19.00} ),  XXXX   XXXX   XXXX  {$99.00} ),  XXXX   XXXX   (  {$19.00} ),  XXXX   XXXX  ( {$99.00} ),  XXXX   XXXX   (  {$99.00} ), = {$530.00}. I received over drafts  XXXX   XXXX   (  {$36.00} over draft fee ),  XXXX   XXXX   ( { $36.00} overdraft fee ),  XXXX   XXXX   ( { $36.00} overdraft fee ) = {$100.00}. in overdraft fees.  XXXX   XXXX  never spoke with me again.     I called her on Tuesday, Wednesday, and Thursday. Each time I spoke with a different member of the paralegal team. on  XXXX   XXXX ,  XXXX , I spoke with another paralegal team member named  XXXX . He informed me that notes showed  XXXX  had tried to call me but did not get an answer, so she had sent me an email. ( I have no phone record of this call ).  XXXX   XXXX , I received an email from  XXXX   XXXX  confirming my case had been closed and providing me the confirmation number #  XXXX . Friday  XXXX   XXXX ,  XXXX , I called  Lexington  law and spoke with  XXXX .  XXXX  said she could solve my issue. She put me on hold for a long time explaining she needed to listen to the recording of the original call from the day I entered into a contract with  Lexington Law. I was on hold for about 30 minutes. She came back and told me after listening to he recording it was clear I had agreed to pay {$99.00} for their services. She said they had refunded me {$99.00} as a cou rtesy ( I have yet to see this ). This is fraud. I was sold a credit repair service at {$19.00}. They were supposed to repair my credit.  XXXX   XXXX  I contacted the  XXXX  credit repositories myself and had such things as : my name corrected, wrong addresses deleted, I challenged a bankruptcy that I had never filed. I contacted a creditor resulting in a 30 day late being immediately removed  XXXX / XXXX / XXXX . I have made repeated attempts to conta ct Lexington Law. I am told no one can speak to me because my " case is currently under attorney review ''. I am told no attorney contact information can be given to me for the same reason. No attorney or anyone from Lexington law have eve r tried to contact me.

Company response to consumer: Closed with explanation