Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (IN)

When applying for a loan I was contacted by a XXXX XXXX Senior Credit Advisor  XXXX XXXX XXXX Web : XXXX Direct : XXXX Extension : XXXX E-mail : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX | Florida | XXXX who referred me to XXXX XXXX XXXX for credit repair, in order to obtain the loan. Several offers from middle firms or firms that referred me to lenders was all that was obtained in applying for a loan. In other words the only offers for a loan I received were those referring me to potential lenders, and not the lenders themselves. <P/>On talking over the phone to XXXX XXXX from XXXX XXXX XXXX he referred to a person named XXXX at XXXX XXXX XXXX who took my information to sign up for the credit repair service. Although I texted an " agree '' for the basic service that was {$15.00} ( XXXX dollars ) to get started or to pull up my credit report I did not intend to hire the service for an additional {$59.00}, along with {$15.00} initially, and {$110.00} a month if I did not get a loan. <P/>This transaction initially took place on XX/XX/XXXX and it was not until today XX/XX/XXXX that I was able to talk to a person about this transaction. XXXX XXXX could also assumed to know that the funds to cover the initial transaction of {$15.00} to pull up the credit report, and the additional {$59.00} was not available in my account and was contingent on my obtaining a loan. XXXX This was understood by XXXX XXXX who kept urging me along to apply for loans as if he was going to help me get a loan, or as if I was actually going to obtain a loan. My claim is that although I agreed to the basic service of pulling up my credit report I should have been, or be able to cancel, or opt out of the service, however I am not able to, or was prevented from opting out of or canceling this service. <P/>When I call XXXX XXXX I get their voice mail that asks for my number and tells me, my calls will be returned. Only today XX/XX/XXXX the time of this claim have I talked to someone from XXXX XXXX since I was deceived into agreeing to hire their service. I have not received an email allowing me to opt out of this service, or regular mail correspondence allowing me to do a " client login. '' Also, I have not received anything in writing about the services that are supposed to have been provided to me. When I call XXXX XXXX XXXX during regular business hours their voice mail tells me they are open only during regular business hours, although my calls are made during regular business hours. <P/>The requirement that what is agreed to in an agreement be in writing can not be avoided or satisfied by only texting " agree. '' The word " agree '' can not be a substitute for my signature or signed. Only a link to the disclosure agreement, was texted to my cell phone with the disclosure agreement not going to my email. In other words I did not receive the disclosure agreement that was supposed to have been emailed to me. XXXX XXXX of XXXX XXXX XXXX was acting as an agent of XXXX XXXX in this case. Knowing that my hiring the XXXX XXXX XXXX service ( s ) was contingent on the ability to obtain a loan can be assumed to have been known by XXXX of XXXX XXXX.