Consumer complaint received 2015-05-13
Company: TRINITY CREDIT SERVICES
State: TX
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
I entered into a contract with Trinity Credit Services and was told that I had to pay them {$890.00} for their services. I paid them on XXXX ( {$300.00} from my visa ), on XXXX ( {$200.00} from my visa ), and on XXXX ( {$200.00} from my XXXX ). The total restoration fee was {$710.00} based on a {$170.00} discount granted me if I agreed now. On XXXX, XXXX XXXX pulled my credit report and I discovered no changes were made in terms of deletions of inaccurate information. XXXX XXXX stated that they were still working on the file. I asked her about the investigation on XXXX XXXX XXXX XXXX. I indicated that this company failed to : state the original date of default, the date the debt was transferred from original creditor to XXXX party debt collector, the original balance, the current balance, and surety bond information. I was told by Trinity Credit Service representative ( s ) to forward all correspondences to their office which I did. This included the collection letter from XXXX XXXX XXXX XXXX. Since XXXX XXXX assured me that they were still sending out investigations, I said ok. On XXXX XXXX, I received a congratulation email from XXXX XXXX who enrolled me in the program and who took my payments for their credit repair services. I contacted XXXX XXXX and asked him what was the congratulation for, he said your XXXX days are up and I said well there has not been any deletions to my credit report. XXXX XXXX said well that 's the way it is but you 're done. This confused me so I called XXXX XXXX who also forwarded me the a similar congratulation email. XXXX XXXX said she was still working on my files and to disregard XXXX XXXX 
XXXX XXXX. I asked XXXX XXXX again as to what they were doing on the XXXX XXXX XXXX XXXX collection case since a review of my file showed XXXX investigations. I told XXXX XXXX that I forwarded a complaint against this company to the Texas Attorney General Office under case # XXXX. When I also mentioned the XXXX XXXX case and the XXXX XXXX auto loan account as being delinquent. XXXX XXXX said that she was still working on my file. On XXXX, I spoke to the receptionist at Trinity Credit Service and requested proof of the correspondents forwarded to the original creditors and collection agencies on my behalf from the owner of the company and all return responses of these creditors and collection agencies. The receptionist said she would pass my message to the owner of the company. I told her to have their staff to continue working on my file since that 's what I paid them to do. It appears that this company has engaged in deception trade practices and has violated the Federal Credit Repair Organizations Act ( 15 U.S.C. 1679 ) by misrepresenting what it could or could not do, by altering the days of cancellation, and by collecting money before all promised services are performed. In terms of deceptive trade practices, this company never contacted any creditors or collection agencies ; therefore, they are unable to provide me with documents send to the collection agency as part of their investigation and the responses of the collection agency and other creditors in verifying the alleged debts.

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