Consumer complaint received 2026-07-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: White Jacobs & Associates
State: TX

Complaint narrative:
Amount in Dispute : {$2200.00} 1. Introduction I, XXXX XXXX, respectfully submit this complaint regarding deceptive, misleading, and unlawful business practices by White , Jacobs & Associates, a registered credit services organization in Texas. This matter involves misrepresentation of services, unlawful fee collection, and failure to deliver legitimate results, resulting in financial loss totaling {$2200.00}. 2. Background and Engagement On or about XX/XX/year>, I entered into a written agreement with White, Jacobs & Associates for credit repair services. Under this agreement : I paid a non-contingent fee of {$1500.00} I agreed to monthly maintenance fees of {$120.00} The expectation was that services would be legitimate, compliant with law, and produce measurable improvements to my credit profile. 3. Nature of the Dispute A. Misrepresentation of Results The company claimed successful removal of late payments from the following accounts : XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX late payments XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX late payments XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX late payment XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX late payments However, all of these removals occurred due to the expiration of the XXXX reporting period under the Fair Credit Reporting Act ( FCRA ). As stated within the agreement itself : Accurate negative information must be removed only when it becomes older than XXXX years This confirms : These removals occurred by operation of law They were not the result of credit repair services The company is improperly taking credit for automatic statutory deletions This constitutes false and misleading representation of services rendered. B. Unlawful Fee Practices White, Jacobs & Associates charged and collected fees prior to delivering legitimate, completed services, in violation of : Credit Repair Organizations Act ( 15 U.S.C. 1679b ( b ) ) prohibits advance fees 15 U.S.C. 1679b ( a ) ( 3 ) prohibits misrepresentation XXXX XXXX Admission of Misconduct I received a written communication dated XX/XX/year>, from a company associate, XXXX XXXX, stating : No one here is a credit analyst its all sales They are in violation of the law they arent legally allowed to charge before results are given. This is a direct admission of unlawful practices and confirms systemic misconduct. 4. Consumer Harm As a result : I paid {$2200.00} for services that were not legitimately performed I relied on false and misleading claims I suffered financial loss and unnecessary delay 5. Attempts to Resolve I made multiple good-faith attempts to resolve this matter directly with the company, including requesting a refund. The company refused to issue a refund and continues to rely on misleading justifications. 6. Legal Concerns The companys conduct appears to violate : Credit Repair Organizations Act ( 15 U.S.C. 1679 et seq. ) Fair Credit Reporting Act ( 15 U.S.C. 1681c ) Texas Finance Code Chapter 393 ( Credit Services Organizations ) Texas Deceptive Trade Practices Act ( DTPA ) 7. Requested Resolution I respectfully request that the Office of the Texas Attorney General : Investigate White , Jacobs & Associates Require a full refund of {$2200.00} Take enforcement action to prevent further consumer harm 8. Supporting Evidence ( Attached ) Signed agreement ( dated XX/XX/year> ) Payment records totaling {$2200.00} Company correspondence claiming results Email from XXXX XXXX ( internal admission ) Demand letter 9. Conclusion This matter reflects a pattern of deceptive conduct, including taking credit for results that occurred by operation of law rather than by service. I respectfully request your offices assistance in investigating and resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation