Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Trinity Enterprises Partners, LLC (TX)

XX/XX/XXXX, I contact XXXX ( recommended ) for credit repair. He would explain the company ( Trinity Enterprises LLC ) reputation for credit repair and they offered a refund if they were unsuccessful. I will admit this puts your guard down as I did no research and would later see the small subtle biblical verses provided by email signatures from everyone with Trinity that emailed me. XXXX advised it was XXXX up front for credit repair and this would need to be paid before they would begin work on my behalf disputing errors on my reports. I paid XXXX the last week of XX/XX/XXXX and contract signed XX/XX/XXXX. A week later I was informed I would need to open an account with Identity Secure and provide a login and password, this was done immediately through email to same person who contacted me. This process would take 3 calls and I called to resolve. A month later I received my first update on voicemail and there was no change as expected it was only a month. Next month same result, the following month I received in voicemail there was no change however a suggestion to open a secured card. I would call in and informed if I wanted to see an increase I should consider a secured card. Another call and contact the same message and I opened a secured XXXX XXXX. Talked to XXXX and advised him of the conversation and what was suggested after months of no improvements. He advised Trinity suggests XXXX XXXX as they don't pull reports that negatively impact your credit report. Why are your reps offering suggestions if they are ill informed to provide all the details? I would later get a call after another month none improvement, I should consider the credit booster program and if XXXX discussed with me. He did not mention this to me and I would receive an email from the sales supervisor apologizing and she would have XXXX contact me. In his email he suggests we had this discussion, however I asked for me details. It's XXXX upfront and would boost your score, this is time sensitive and you are unable to make multiple payments. My question, if this was available and explained why would one decide to do XXXX credit repair and just work towards the booster program as I was looking for quick results ( home purchase ). More questions would follow, are you able to provide some insight on the potential increase to my scores? If you are unable to provide an idea if this is beneficial why are we offering the program, I don ; t see how paying XXXX upfront and Trinity was given 600 months earlier and no improvement. After months of recognizing this company doesn't appear to hold themselves accountable for any of their poor or misguided actions, it was time to end this. I requested cancellation and a refund. I was informed by XXXX, Trinity services exceeded my XXXX retainer fee. XXXX and I was not due a refund. I asked XXXX to provide a breakdown of what was actually done by Trinity based on his number I should have 11-12 deletions per 3 agencies. This was not correct if I had that amount there would be no need to dispute what was actually done. XXXX would then suggest, I'm counting the word delete from the ( spreadsheet he provided ) only and not adding late payment history on the student loan and any late payments that are deleted are in fact counted as deletions. So I emailed a pdf of the agreement I reached with student loan in XX/XX/XXXX - XX/XX/XXXX of payment terms and began payment on the account before Trinity ( again working on approval for home loan ) Finally, asked one last time if I was going to receive my refund and XXXX states because I ended cancelled before they could complete their last attempt I would not receive a refund. The company is a scam and they are cheating innocent people who want to believe these people are trying to help and keep their promise to refund. Be upfront with your promise. Their efforts have me in court with one credit card company, when I asked XXXX for suggestions on how I should handle this I was informed they could provide a letter for me to review before court to prepare for the questions in court the fee for this XXXX. Run, run, run and the business practice here should be investigated