Consumer complaint received 2022-03-18
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 (MN)

In XXXX of XXXX I signed up with Lexington Law to help have some incorrect late payments removed ( they were from deferred payment arrangements due to XXXX but were reported as late ). The agreement was for {$130.00} per month with a 50 % discount for the first month if my husband also signed up so he did. After the first month we were then each charged the {$130.00} per month. 

We would both periodically ( once a month or less ) receive emails saying that challenges were being sent on our behalves, but the actual letters were never attached. When we would check the website dashboard for our accounts it would continually say that things were being " analyzed ''. 

We were told in the beginning that they couldn't give us a timeframe for when they would have results for us but it was typically 6-12 months, even thought the credit bureaus had a much shorter time to respond. We were never given any actual responses between XXXX and when we cancelled our accounts in XXXX of XXXX. 

When we would inquire or complain that we were not seeing any documentation of any evidence of real work, we would get a scripted speech and be bumped up to a " escalated level, free of charge ''. One of the " escalation '' services required us to send notarized letters to our creditors to addresses they provided. All of those letters were returned due to the address being " undeliverable ''. 

By XXXX we were demanding to see the letters/challenges they had sent on our behalf since XXXX to which they kept saying they had sent, but never received them. We continued to request documentation daily from them via chat on their website. 

When we threatened to file a complaint and said we were aware of the lawsuit against them, they finally did send us the three letters. However, it was clear that they were certainly not written by a paralegal or lawyer. They were in what you might call " broken XXXX '' at best and didn't contain any legal terminology in the slightest. The letters were sent as attachments in an email to us so there still was zero evidence that they had actually been sent or that Lexington Law had done any of the work they claimed. 

We both decided that we needed to cancel our accounts immediately and reached out immediately. We asked for transcripts of our " chats '' via the website which they said they wouldn't provide and said that they didn't keep documentation of communications with their clients. They did however say that we would have access to our account dashboard and chat history for 60 days after we cancelled. 

When we attempted to cancel we had to reach out three times before we got a response that our accounts were cancelled ( we were coming up on another billing date so I am guessing they wanted to charge us again before cancelling ). Once the account cancellations were confirmed we were locked out of the website dashboard and all chat history immediately. 

We've since attempted several times to call and email requesting the 60 day access they had promised and asking for a refund since no evidence of services could be provided. We have been hung up on and have had no response via email.