Consumer complaint received 2024-01-24
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law (OK)

On XX/XX/XXXX I entered into contract with Level One Law to settle my debt. I was promised results that never happened. I started the program with excellent credit and now have a XXXX XXXX in some credit score because they never did anything for me but take my money and ruin what good credit I had built up. If I would have known what I know now I would have just kept paying by debt on time because now I have late fees and over the limit fees etc tacked onto my credit card accounts. Maybe Level One Law needs to pay those for me since they got me into this situation. They had me open a XXXX XXXX account and give to all my creditors and I was instructed to ignore all of the creditors phone calls. To me if they are supposed to be talking to the creditors then their number should have been the one given and they should have been talking with them instead of me ignoring them. I have proof from XXXX XXXX XXXX, the bank that handled all of the fees processing and creditor payment processing where they took nothing but fees from me. In the time I was sending payments they took from me {$960.00}. I was submitting payments every two weeks in the amount of {$520.00} and I only had submitted XXXX payments however I got ahold of XXXX XXXX XXXX on XX/XX/XXXX and stopped all future transfers and requested a refund on what was currently in my account plus the last {$520.00} that was submitted. They informed me that they would need to contact Level One Law before they could refund me. On the login page of Level One Law, I found a document that was posted stating that the CFPB is suing multiple companies and the XXXX companies that I have been dealing with were listed. The companies are XXXX XXXX, XXXX XXXX XXXX and Level One Law. This is why I am canceling all accounts and services with these companies because I was told due to the suit they could no longer instruct me until it was settled in court. I was looking at the dates on this document posted and it looks like the suit was filed on XX/XX/XXXX and a temporary restraining order was filed on XX/XX/XXXX. This being said I believe that Level One Law took out some fees that I should be owed back because they were withdrawn on XX/XX/XXXX the date the temporary restraining order was filed. The fees I would like back are the Service Fee of {$350.00}, Admin Fee of {$49.00} and the Retainer Fee of {$75.00}. I have proof that I can send you from my XXXX XXXX XXXX account where these three fees came out on XX/XX/XXXX the date the temporary restraining order was filed and in my opinion all my fees should be refunded from the beginning because they didn't do a thing for me. The last week before the suit was filed, I couldn't get ahold of Level One Law by phone or email. I'm praying for a refund on at least some of my fees plus the money at XXXX XXXX XXXX which includes the last transfer on XX/XX/XXXX. I have since sent a certified mailing to Level One Law canceling my account with them as well. I feel like this was the biggest mistake ever and that I was taken advantage of.