Consumer complaint received 2026-01-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Oquirrh Mountain Law Group, P.C.
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX for deceptive billing practices, lack of transparency, failure to provide promised services, and conduct that I believe has caused harm to my credit rather than improvement.

My husband and I enrolled in XXXX XXXX  credit repair services in XXXX. At the time of enrollment, we were required to submit payment in order to begin services. This clearly established that fees were charged upfront, not after services were rendered. 

Since enrollment, we have been charged a total of XXXX XXXX {$690.00} XXXX XXXX  between the XXXX of us. 

From the beginning, I understood that credit repair takes time and did not expect immediate results. However, after several months of paid service, there has been * * no measurable improvement * * to our credit profiles. Instead, multiple collection agencies began re-reporting accounts while I was actively enrolled in XXXX XXXX program, which resulted in my credit score decreasing. 

What is most alarming is that XXXX XXXX XXXX XXXX never explained XXXX XXXX how disputes were being handled on my behalf. I was never informed : Which accounts were being disputed What legal or factual basis was being used What communications were sent to creditors or bureaus Whether any responses were received Or what outcomes resulted from those disputes Because I was kept completely in the dark, I am deeply concerned that improper or inaccurate dispute methods may have actually triggered collection agencies to re-report accounts. If XXXX XXXX  had communicated with me, collaborated with me, and allowed me to review or understand dispute strategies, the process could have been handled far more effectively and responsibly. Instead, actions were taken in my name without transparency, accountability, or consent. 

When I contacted XXXX XXXX  to raise these concerns, I specifically asked for an explanation regarding the lack of progress on my account and the negative changes I was seeing. Rather than receiving a personalized response, I was sent a XXXX XXXX  generic, canned message XXXX XXXX  that did not address my situation, my questions, or my concerns in any meaningful way. 

Because of the continued lack of progress, lack of communication, and confusion surrounding billing, I requested cancellation and a full refund. 

XXXX XXXX canceled my account but refused to issue any refund, claiming that monthly fees are charged only after a full month of service is performed. This statement is * * false * * based on my experience. Payment was required within 5-10 days of signing up in order to start services. Fees were not charged after a month of completed work they were charged within 10 days as a condition of enrollment. Their explanation directly contradicts how the program was presented and administered. 

After cancellation, XXXX XXXX also revoked my access to my online account. I am now unable to view : My contracts My billing history My communications Any documentation of work allegedly performed Denying a former client access to their own records after cancellation is deeply concerning and severely undermines transparency and accountability. 

In further correspondence, XXXX XXXX stated that credit score fluctuations are normal and that they can not guarantee removals. I understand both points. However, the issue is not fluctuation it is that * * after months of paid service, there has been no improvement whatsoever, only harm * *, and no clear explanation of what was done, why it was done, or how it was supposed to help. 

I am also aware that the Consumer Financial Protection Bureau has previously taken legal action against XXXX XXXX and related entities for illegally charging upfront fees and engaging in deceptive, bait-and-switch practices in violation of the Consumer Financial Protection Act and the Telemarketing Sales Rule. Based on my experience, I believe the same patterns of conduct may still be occurring. 

To summarize my concerns : I was charged before services were rendered I was denied transparency into what was being done in my name I was denied meaningful communication I was denied collaboration in disputes that directly affected my financial future My credit was negatively impacted while enrolled My access to my own records was revoked after cancellation My request for a refund was denied based on statements that contradict how billing actually occurred I am requesting that the CFPB investigate XXXX XXXX  billing and business practices and assist me in obtaining a * * full refund of {$690.00} * *, representing all fees charged to both my account and my husbands account. 

Thank you for your time and for protecting consumers from deceptive financial practices.

Company response to consumer: Closed with explanation