Consumer complaint received 2022-10-15 00:00:00
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
State: AR

Complaint narrative:
XXXX XXXX XXXX- this was NOT a charge off it was an auto loan paid in full. This account was NOT included in the bankruptcy. I was made to pay over {$2000.00} to reaffirm this debt during the bankruptcy. After making the payment to affirm the debt there was only {$6000.00} roughly left to pay. It was traded in on a XXXXXXXX XXXX XXXX financed by XXXX XXXX XXXX. ( the collections account carried by XXXX XXXX  that I have agreed to settle ) XXXX  XXXX paid the XXXX XXXX off in full. ( debt through XXXX XXXX XXXX ) this loan was also almost carried to term with 100 % on time payments. XXXX XXXX failed to ever report the loan as they should have during the course of the loan. The reaffirm payment was made in the same month as the trade in, i also never received the {$2200.00} back i paid to affirm it. 


XXXX XXXX XXXX  loan- this loan was also carried almost full term. It was awarded to my ex-wife in the divorce along with the payment. She however let it be repossessed after numerous attempts on my behalf to reclaim the XXXX  and pick the payments back up but was refused. The XXXX was then auctioned off leaving only just under {$1000.00} to pay off. This auto loan was said to be at 23 % APR however the purchase price of the XXXX  and the amount financed in total was {$23000.00} and at the time of the repossession almost {$30000.00} had already been paid on the loan with a remaining balance of {$11000.00}. The sale of the XXXX  bringing in {$10000.00} XXXX XXXX has more than recouped the amount loaned as well as made 100 % profit from the interest charges. They are being greedy. I have agreed to pay XXXX XXXX {$150.00} to settle the outstanding balance of {$960.00}, as such XXXX XXXX promises report the account as paid in full.XXXX XXXX is the collections department for this loan .This loan is also listed on my credit report as 2 bad debts for the same loan once by XXXX  XXXX and again by the collections department. 

XXXX  XXXX XXXX/ XXXX XXXX $ XXXX This was a credit card opened by me, i got behind on it during the divorce. It was then charged off as bad debt ; it is listed on my credit report twice, once for XXXX XXXX and second for XXXX XXXX. This is one debt. It shows to be a closed account and charged off yet it lists on my credit report as in collections. I am under the understanding that once the debt is charged off it can no longer be paid there for all collections should stop. It is still accruing days late when the account is charged off as such hurting my credit. 

XXXX  XXXX XXXX XXXX XXXX $ XXXX I am unsure of the ownership of this account as it was said to be opened just before my divorce. I do not recall having this card. Regardless it as well is charged off as bad debt, yet is listed twice on my report and also still accrues late remarks hurting my credit. It as well should not be in collections as it is charged off. 

XXXX XXXX XXXX- This was a credit card opened by myself in XXXX, it was in good standing until the card company locked me out of my account stating there were security risks. There was only a {$80.00} balance on the card and I was instructed by XXXX XXXX XXXX to pay it to be sure as to not go into delinquent status while they investigated the breach. Months later after doing so i started to receive collection calls from XXXX XXXX XXXX  and was asked to pay the same said {$80.00} plus ate fees. I did so again paying them {$160.00} and at this time was still not granted access to the account so I asked that the account be closed. Almost a year later XXXX XXXX reported a $ XXXX balance past due on the card, they refused to talk to me because the account was closed. I explained the situation and it was understood it should have been removed but instead it was put in collections and picked up by a collections company called XXXX that 5 years later still reflects on my credit today and I still receive calls. The account was charged off and after many attempts at having it removed it only goes away for a brief moment and then returns as more bad debt and late fees. They have reported late payments as recent as this year for a 5 year old account. 

XXXX XXXX XXXX- this account for one is said to be removed but it was a debt paid in full and did reflect as such. It was not included in the bankruptcy as it was already paid off before that time. This should and was a positive account. So if you have removed it you have done so incorrectly XXXX XXXX XXXX  XXXX- this debt is mine that is currently still open and has been open for the last year. This debt is on time with 100 % on time payments and should be building my credit, it will be paid in full this month. This too is said to be removed by you causing me negative effects. 

XXXX XXXX x 4- also said to be removed by you. This would be incorrect as these were all good loans paid in full that also gave me credit history. If you've removed them you've affected me negatively. 


XXXX XXXX XXXX ( XXXX XXXX XXXX ) - this debt despite my efforts is an error. We lived in a rental property when we used the services of XXXX XXXX utilities and have been gone from that property since XXXX before this debt even claims to have been placed. I left in good standing. 

XXXX XXXX a debt included in the bankruptcy that is listed separately on my credit report. This is listed separately as a public record as well as negative account. It wasn't until you started messing with it. 

XXXX XXXX XXXX x 4- should show no late or missed payments as they were placed in forbearance until they were forgiven in turn never requiring a payment. These accounts were in good standing until you messed with them. 
I was told these loans would be paid in full with 100 % on time payments. 

XXXX XXXX x2 - this loan is listed on my credit report twice as well. It was originally a pioneer loan but serviced by XXXX. Regardless only one loan was given and it was carried out the entire term without any late payments or missed payments. It was on auto draft. XXXX dreamed up some late charge at the end of the loan term and placed a crazy amount of interest on the false debt after taking a {$5500.00} loan to full term repaying {$11000.00}. This was supposed to be a tool used to build my credit back up and has not done so because of their error. I have disputed it multiple times through XXXX XXXX but now it has moved to charge off status and can not be disputed. It is ridiculous. It reads as a charge off and I paid it in full. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX- this XXXX XXXX XXXX  are the one and the same bankruptcy listed separately on my report. 
XXXX XXXX XXXX- this was a mortgage included in the bankruptcy and never went into foreclosure. It was filed for bankruptcy before that took place as well as it was sold from mortgage company to mortgage company multiple times before. XXXX XXXX XXXX XXXX are collections accounts for this same mortgage. It has been listed multiple times and in all cases has been a closed account for over 7 years. 
XXXX XXXX XXXX XXXX XXXX- this was an account opened under false pretenses in my name by my ex-wife just before the divirce. This should be her debt. 
XXXX XXXX XXXX this is a paid medical bill XXXX XXXX revolving- thi is an open credit card account with a XXXX balance that reflects good on my credit that you have removed. 


I have spent {$89.00} + {$19.00} on your service and your service charge since XXXX of XXXX. I now am pretty sure you have drastically caused more damage than you have helped, putting me at a real disadvantage. Your company is more than a scam ; it requires payment to XXXX people over. I have been falsely sold your service in the fact that I hired a human law firm to handle my finances but instead have received an automated robot that has XXXX  my entire credit up like bad. In total this fake service has cost me a little over {$2600.00} in just service charges and who knows how much in overpaid interest and late charges as well as missed opportunities caused by all of the damage your firm has caused. I would appreciate at least a refund of the money taken and services not rendered as well as my account with you to be terminated immediately

Company response to consumer: Closed with explanation