Consumer complaint received 2019-06-04 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: UT

Complaint narrative:
My name is XXXX XXXX I signed up for credit repair services with Lexington Law. According to the internet, their offices are in XXXX XXXX XXXX, Utah. 

I paid Lexington Law, approx. {$520.00} over a four-month period, in automatic monthly credit card payments of {$120.00}. Instead them cleaning up my credit, they basically file a bunch of useless challenges that they knew would fail anyway. They used these useless challenges as busy work to justify charging {$120.00} on my credit card each month. With each call from me complaining about the lack of progress, the Paralegal would promise yet another challenge. 

In the past, I have always avoided using XXXX I always thought that they were a bunch of fast-money scammers. I chose Lexington Law because they are supposed to be representatives of the law. As such, I thought they would act as a fiduciary. In previous years when I sought their help, they did act in this manner. But the new Lexington Law behave more like the internet scammers. You can read the details of my experience in the email I wrote to Lexington Law that follows : Email That I wrote to Lexington Law Service Level : Premier Plus : Client ID : XXXX XX/XX/2019 I am asking that you cancel my account immediately. I am also requesting a full refund for the following dates : XXXX XXXX {$120.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$120.00} I am requesting these refunds because your phone reps deceived me. They said that you could clean up my credit report by filing challenges, even though your reps know that challenges only work if the record is untrue or incorrect. I told them that XXXX and XXXX were true. I told you that only the XXXX XXXX XXXX was untrue because I have never had an account with XXXX XXXX XXXX. When I signed up in XX/XX/2019, I had 3 charge offs that I wanted removed : XXXX XXXX Visa, XXXX XXXX Card, and XXXX XXXX XXXX I told your reps that I was willing to settle with XXXX and XXXX, but I was concerned that they would just take my money and not keep their word. So, I asked your reps to call them. They said that Lexington  law does not do that. And I specifically remember asking, am I wasting my money then? I was assured by your reps that challenges were an effective tool, even when everything is true because the creditors get tire of having to defend the negative report. 

Well, I now understand that the true purpose of the endless challenges is to give the client false hope, so that the monthly subscription fees keep coming in. After 4 1/2 months and {$520.00}, only one late payment has been removed from one credit report. All 3 of the charge-offs remain. They knew they could not help me from the start, but if they had admitted it, I would not have signed the contract. 

On about XX/XX/XXXX, I called to complain that no progress had been made. The Lexington rep talked about a doing something called an Escalation Challenge. Apparently, they send a notarized letter to the creditor. They said they that the letters would arrive in the mail. As of today, XX/XX/XXXX, the paperwork never arrived. So, guess it was just another ploy to keep the monthly subscription fees rolling in. 

Four years ago, Lexington Law did great credit repair work at reasonable prices. When I first heard about them, they charged about {$29.00} per month, and they did everything. They took my credit score from sub 500 to above 700. This is the reason I re-signed with them. Even though the subscription fee was now {$120.00} per month, if they could get results, it would be worth it. Now they are very different. They only offer superficial services now. And they will not call the creditor. I am still trying to figure out what changed. perhaps they are under new management. 

The new Lexington Law only seem to care about subscription fees now. And that would be ok if they called the creditor and got results, but that is not what they do. The new Lexington Law is very lazy!!! For this reason, I deserve a full refund of {$520.00}. I feel like I got scammed.

Company response to consumer: Closed with monetary relief