Consumer complaint received 2020-03-31
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 (DC)

On XXXX XXXX My husband, ( XXXX XXXX ) and I, ( XXXX XXXX ) was contacted by Lexington law for services. Upon speaking with the representative over the phone I asked about the services and what was best for us because of our credit situation. I was told the XXXX  and XXXX  credit report was free but we had to purchase XXXX  at the cost of {$4.00} each. And the reason why we both signed up was because they were offering a special for the XXXX month of {$64.00} each. I know this was ok because I only have 5 negative items but for my husband who had 28 negative items it would be a challenge. It was never explained that the first initial payments was for the set up of the accounts. And it was stated that they, ( Lexington Law ) was not allowed by law to collect any money unless services was rendered. Our due date was XX/XX/2020 they attempted to collect both payments of {$64.00} which was unsuccessful. They did not rendered any services on our behalves. On XX/XX/XXXX and XXXX a intervention challenge letter was generated and claimed to sent out challenge the Department of Education late payments for XXXX  and XXXX. On XX/XX/XXXX I contacted Lexington law and questioned as to why they trying to seek payment when their were no work rendered on our behalf that when they claim to have sent out the letters. I informed then that payment will be available on XX/XX/2020. Then, I asked why wasn't XXXX   being challenged by indicated that the letters were being prepared and should be sent out with the next couple of days. They provide us with a {$6.00} credit because they removed the late fee that was as Please note ( to date no letters has been generated of sent out for XXXX  ).  On XX/XX/2020 they attempted to collect the {$58.00} for each case. One payment was successful but the other one was denied due to my bank thinking the payments was duplicates. I immediately reach out to Lexington law to process the other payment and upon speaking the female representative I asked her why would yall process both payments back to back and it caused an alert and my bank denied one payment. The representative understand my issue and credit me an additional {$6.00} to the payment that was not paid. It brought my balance from {$58.00} to {$52.00}. Now, here 's where it get tricky upon speaking with the representative she indicated that the 1st payment of % XXXX was applied to my husband case and my case was not paid. I then process to pay the {$52.00} for my case. And now our case was update. Now, it wasn't until Sunday, XX/XX/2020 Lexington Law attempted to withdraw {$58.00} from my account for an unpaid bill. I was angry because I know for certain we did not owe them any money and no bill was due at this time. Now, Saturday and Sunday no one there to speak with on the phone. I waited until Monday, XX/XX/2020 to reach to someone in regards to what is probably going on. I, then learned that on XX/XX/2020 when I called to made the payment they applied it to my account and somehow post both payment on my case and my husband case was never paid. I asked how is this probable because when I spoke with the female representative she told me that my husband case was paid and I only had to pay my case. This is why I received the {$6.00}. credit. And if my account was already paid why would she take an additional payment to have a credit sitting on my account. It was never indicated nor was I told other this matter. I only learned of this when I called about the attempted of them trying to collect an additional {$58.00}. After being misled, lied to and repeatedly informed by Lexington law representative. I asked if she can applied the payment to my husband 's case they refused and stated that the only thing she could do is refund my money back that will take 7-10 days to appear in my account but a late fee will access on my husband 's account which is not our fault in the first place. I told here I am tired of calling and every time I called its never consisted its always a different response to this and that. I have been deceived in the beginning and I am so tired of calling to have them constantly being lied too. I asked them to cancel both our services and we will find another company that will help us with our needs. Now, they indicated that we owe the {$38.00} for my case and {$120.00} for my husband. I am filing this complaint because Lexington Law is a scam and fraud people out there money. They claim it was for services rendered but I have no proof of them doing any thing of my behalf. I cancelled services due to unprofessional, multiple attempts to ask what services was being preformed on my behalf. Services being rendered after payment issued and not before as stated, constantly being lied to and misled regarding XXXX  and about the payment. Not to mention my husband and I both signed up the same time and my due date is XXXX and his is the XXXX. How can they bill for services when it less than 30 days before last payment.