John C. Heath, Attorney at Law, PLLC

I hired XXXX XXXX for credit repair services multiple times. I paid for the service but did not receive proof of any legitimate work performed, results, or documentation of dispute letters sent to the credit bureaus. After repeatedly asking for transparency and proof of service, XXXX XXXX unilaterally canceled my account and issued a final charge of {$69.00} without my consent. When I questioned this, they cited a XXXX CFPB settlement and told me to contact the CFPB directly instead of addressing my issue. This feels deceptive and noncompliant with the Fair Credit Reporting Act ( FCRA 607 ( b ), 611, and 623 ). Im requesting an investigation into their practices, a full refund of payments, and confirmation of whether XXXX XXXX is allowed to continue billing after self-canceling a clients account.

I joined XXXX XXXX to try fix my credit and basically they just took my money and done nothing to help me only take my monthly payments I was telling a friend about this and he told me that they was doing this to alot of people pretending fix there credit and doing nothing just taking people 's money he was the one told me file this complaint so here I am filing this complaint on this company that's like to steal people 's hard earned money

I open the account with Lexington Law year XXXX I tried to call them and cancel the account but my grand daughter said XXXX the account is not closed and they are still charging your bank account she found this out XX/XX/XXXX and she called them and finally got them on the phone and told them they better cancel my account right now and not to take no more money from my XXXXXXXX XXXX XXXX they took money from XXXX up until XXXX XX/XX/XXXX {$12.00} every month

I hired Lexington Law on XXXX separate occasions to assist with credit repair. I was informed that services would begin immediately, prior to my first scheduled payment, which was set for XXXX days after enrollment. Contrary to what I was told, no work was initiated until after my payment was processed. Furthermore, during the time I was a client, no meaningful progress was made on my behalf. There were no efforts to negotiate or consolidate debts with creditors, and no action was taken to remove accounts from my credit report that were more than XXXX years old and should have been eligible for removal. In short, the services promised were never completed, and I did not receive the results I was led to expect.

Hello, I am one of the victims of this company that promised me to fix my credit within 30 days, but they did not fulfill the time period, knowing that all the legal procedures were ready during that period, I was only waiting for the result from them, so because of them I lost the house and many other expenses that I am still suffering from. I was forced to buy an expensive house with a very high interest rate. I am demanding compensation and the exorbitant costs that I spent, including the house that I lost, its price is now more than XXXX XXXX dollars, and the interest rate at that time was XXXX XXXX, but now I am forced to pay XXXX XXXX I am a single mother and I have a child and my income is very limited. They are the ones who put me in this problem, so they must get me out of it. Many thanks

I requested services from XXXX XXXX to repair my credit, they charge me up from around {$300.00} then monthly payments about {$99.00} I only paid XXXX months plus the initial payment since the only thing they work on was removing incorrect names from my credit report which in XXXX months no difference on my credit score changed and up till now those names still appear on my report. I contacted XXXX XXXX and they told me it was a process and the XXXX step was starting with name then birth date, address and finally accounts. XXXX months passed nothing was removed and credit score never changed not even XXXX point.

We signed up for XXXX XXXX and over the course of 3 months they filed 3 papers on my behalf, my credit score dropped by XXXX peoints while having them and I missed no payments, let nothing lapse, etc no reason for it to have dropped. I requested it to be cancelled and they are still continuing to charge me.

XXXX XXXX call me back in XXXX I believe it was and asked me if I wanted to use their services to help my credit knock off some scores numbers and give me back in a good standing to get my credit better will they asked me for payments and my first payment was like {$200.00} but every month my the money kept on coming out of my account and I couldn't figure out what it was and I called to let them know stop doing payments they're only supposed to help me for XXXX payments and they took out about XXXX payments and so I kept on going and I finally called him I said you guys need to stop and cancel my and I haven't seen any other after that I didn't see any other payments that were taken out from them but they took out like several.

Well I opened a XXXX account for me to build my credit and someone tried to get a loan through the time credit building account I open and XXXX let another loan get taken out in my name and I told them my account should be Frozen and it must have got unfolded just for them to steal my time account I just opened to build my credit

I called the numbers advertised for a check re-issue from a settlement. The email back says I have to CALL. Whenever I do call, the CALL says I have to submit a check re-issue in WRITTING. Whenever I submit in writing for a check re-issue, Im told I have to CALL. Stop with the run around & submit a check re-issue already.

XXXX party administrator for XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX requested check re-issued XXXX time in XXXX of XXXX told to wait XXXX weeks before next check drop, never received check requested again in XXXX and XXXX as I had heard nothing back, told again check was reissued in XXXX check was not reissued, here we are XXXX and I still do not have my check. There is something going here.

In XX/XX/XXXX, I was issued a settlement check from the CFPB XXXX XXXX matter ( Check # XXXX, {$540.00} ). The accompanying CFPB letter shows it was mailed to the wrong address ( XXXX XXXX XXXX, XXXX, PA ). Because of this error, I did not receive it until after it had already expired on XX/XX/XXXX. I contacted XXXX XXXX XXXX multiple times and provided copies of the voided check, their letter showing the incorrect address, and my Pennsylvania drivers licenses ( old and current ) proving my identity and address history. Despite this, they have not reissued the payment. I am the rightful payee, and the expired check was solely due to their mailing error. I am requesting immediate reissuance of my {$540.00} settlement payment to my correct current address.

I was making payments towards an open account which was {$3500.00}. But XXXX refused my complaint and it took more than 30 days to even reply to me. Lexington law needs to be shut down there service is horrible because I didn't see any results in my credit me and the representative got into it and she proceeded to tell me its been so long that I wasn't in there system anymore and she couldn't nonlonger help.me. Lost of money for nothing

I am filing a complaint against XXXX XXXX for failure to provide promised credit repair services between XXXX. During this time, I paid fees with the expectation that they would review my credit reports, identify inaccurate or unfair items, and send disputes to credit bureaus/creditors as advertised on their website. Despite these promises, XXXX XXXX provided little to no meaningful action. Disputes were not properly filed or followed up, and I received minimal communication. Negative and inaccurate items remained on my reports, causing continued damage to my credit. Their inaction delayed my ability to qualify for loans, including attempts to purchase a home, and resulted in financial loss, stress, and wasted time. This complaint relates to XXXX XXXX XXXX and XXXX XXXX, and indirectly to Loans/Mortgages due to the harm caused. I request investigation, refund of fees for services not delivered, and stronger enforcement to prevent similar harm to other consumers.

It all started in XXXX when I seen that there was too hard inquiries from XXXX XXXX XXXX on my credit and I called XXXX and they said I had to wait 90 days before they can do anything so I called XXXX and I told them about the two XXXX XXXX accounts that was on my XXXX so I waited 3 months it was removed from XXXX then I called XXXX and I asked them why am I still seeing the XXXX hard inquiries from XXXX XXXX XXXX they did not remove them from their website and they did not believe me that XXXX removed it from my credit I had to speak to one of their lawyers before they removed it and around the same time they was removed there was a credit card from current that was added to my credit report as a positive I went through their fraud department and they removed it and now I know why I got denied in fraud for the credit card that I applied for through XXXX XXXX because they already approved credit cards from the creditor current in around that same time XXXX email me told me to…

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To Whom It May Concern : I am submitting this complaint regarding XXXX XXXX XXXXXXXX, as I was a paying customer with them beginning in XXXX through XXXX. I paid for their credit repair services for an extended period of time, but I recently learned of the CFPBs enforcement action against XXXX XXXX and related firms requiring them to provide consumer restitution. Despite my long history as a client and the payments I made, I have not received any notice, refund, or restitution check. I believe I am entitled to relief as part of this settlement. I was a XXXX XXXX client from approximately XXXX through XXXX. I paid recurring monthly fees of approximately [ insert amount ]. These payments were made through [ bank/credit card name ]. To date, I have not been contacted by the settlement administrator, nor have I received any payment.…

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Hello, my name is XXXX XXXX, a former client from XXXX XXXX My date of birth is XX/XX/XXXX. My address is XXXX XXXX XXXX, XXXX, IN. My telephone number is XXXX. I am sending in a complaint regarding XXXX XXXX to issue me a new check with no success with communication. I received a check from CFPB on XX/XX/XXXX. The check amount is {$800.00} ; the unique ID is XXXX ; the check number is XXXX. This check was awarded to me against XXXX XXXX and XXXX. I misplaced the check and just found it, and its too late to cash it in, so I am requesting that you issue me a new check. I have contacted XXXX XXXX several times by phone and email. I also provided a certified letter with a copy of the check to XXXX XXXX and I sent a certified letter to CFPB as well ; I have not heard a response. Could you please issue me a new check? Thank you.

I was made aware that I was owed money for the XXXX XXXX XXXX XXXXXXXX services and when I called to check on the status of my check after submitting an updated address via email, I was told that I should file a complaint here because the representative couldnt find me in the system. I used there credit repair services from XXXX.

I am updating my complaint regarding XXXX XXXX XXXX I have also filed a complaint with the Illinois Attorney Generals Office ( XXXX XXXX. XXXX ) XXXX On XX/XX/year>, I attempted to mail a letter to XXXX XXXX XXXX regarding my account and refund request. The letter was returned to me unopened, marked Undeliverable as Addressed, Unable to Forward. This demonstrates that the company is not responding to clients through its former office address. I paid XXXX XXXX XXXX for services that were not delivered as promised. Since the company is no longer reachable and has failed to provide credit repair services, I am requesting a full refund/redress for the money I paid. I understand that the CFPB has already taken enforcement action against XXXX XXXX and set up a redress process. I am asking that my payments be included in that process and that I be contacted by the appropriate administrator ( XXXX XXXX XXXX ) regarding my eligibility for a refund.…

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I XXXX XXXX received a call from XXXX lawfirm between the year XXXX stating they were an attorney and wanted to consolidate my debts which Included my student loans I sent them payments thinking they were doing what they said I never received paper work when I asked for them to send me a print out of my transactions.

On XXXX XXXX I Signed up with Lexington Law Firm a credit repair service. On XXXX XXXX I was Email a letter to be notarized and signed by the receive for proof. The address that Lexington Law firm gave me was incorrect. The XXXX notify me that the address was in correct I need the correct address for it to be delivery. I called Lexington Law firm and spoke with a paralegal name XXXX. I explained to him about incorrect address that was given to me he apologized, and give me the correct address. And transfer me to a XXXX XXXX name XXXX he also apologized and told me XXXX explained it to him already XXXXXXXX XXXX me he will be putting in for a refund of {$40.00} check to be mailed out to me he said it would take XXXX days for process time and another XXXX days mailing time. It's been over XXXX I still have not received my refund check from Lexington Law firm.…

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I have an trust do to having an brokrage account and lexington law firm was supposed to just fix an mishap to connect me to my creditors but the personal loan got stuck in the matrix system when they scammed me and blocked my mail they supposed to have sent me XXXX but i never recived the check I was blocked from all banks claiming i was i debt but i have over XXXX XXXX in a trust account in my name social is XXXX i thought i was going to get it by XX/XX/year> but i still cant get my mail do to the scam i want charges at this point do to my race and XXXX i get ignored

Check # XXXX from XXXX XXXX XXXX on XX/XX/XXXX was mailed to me. I never identified that there was a check in the correspondence until after the XX/XX/XXXX deadline. I created a re-issuance form for the check in the online XXXX, received an email from XXXX on XX/XX/XXXX @ XXXX stating that my information was received .The website said it would take 8 weeks to re-Issue the check. I called Customer Service at XXXX on XX/XX/XXXX to ask about my check issued on XX/XX/XXXX, in the amount of XXXX. Unique ID # XXXX. The rep was not helpful, nor could she tell me where my check was. I would like my check re-issued this was a class action lawsuit settle by Consumer Financial Protection Bureau against XXXX XXXX. I'm entitled to the funds, Ive waited the time frame for the re-issuance of the check. I would like intervention in this matter.

There were two unauthorized charges on my card that I never authorized or anything it was for Lexington law firm which I never signed up for anything with them at all the amount of the charges are XXXX and XXXX for the same place I reached out to them and they said that it is valid and everything i have already contacted my local police department and let them know what was going on and stuff the charges were made on XX/XX/year> thank you for your help

Lexington Law and/or their partner companies have continued to send disputes to the credit bureaus without my consent, even after my account with them was closed. I have not authorized these disputes, and I was not notified or given a chance to approve them. Ive been locked out of my Lexington Law account and can not access anything even after changing my password. Yet I continue to receive emails stating that they are sending legal challenges and disputes in my name, including recently on XX/XX/year>, to TransUnion. These unauthorized actions are actively affecting my credit report and creditworthiness. I did not give consent for these recent disputes, and I believe Lexington Law is violating consumer rights and possibly the Fair Credit Reporting Act ( FCRA ). Because these unauthorized actions have negatively impacted my credit and ability to apply for credit or loans, I am also requesting financial compensation for the harm caused.…

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Rebuttal Statement to CFPB I am responding to XXXX XXXX attempt to dismiss my complaint. Their statement contains inaccuracies and deflections : I submitted a formal demand letter on XX/XX/XXXX, outlining specific CFPB and TSR violations. That letter was sent to the settlement administrator, XXXX XXXX, as directed during the redress process. On XX/XX/XXXX, XXXX confirmed that I did not waive my legal rights by accepting a settlement check in XX/XX/XXXX. I have this confirmation in writing. XXXX claim that they didnt receive my letter is a deflection. The complaint is about violations of the TSR and deceptive practices, not a technicality of who received the demand. Their business model was already found illegal by the CFPB, and my experience matched those findings I was misled, charged before meaningful work was completed, and never saw the promised improvements.…

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I was a customer of Lexington Law for several years and paid monthly fees expecting credit repair services. Despite their promises, they never removed any negative items or improved my credit in any way. I never received any meaningful help, updates, or results. Now Ive seen there was a lawsuit and settlement involving Lexington Law, but I havent received any check, refund, or communication even though I paid them for years.

I received the check in XX/XX/year>2025, but did not open it until after the XXXX XXXX 2025 date. I placed the check into my account, but my bank did cash it at first, then it was returned a few days latter. I was told in writing by XXXX XXXX that I would receive a new check for the same amount in six weeks. We are past the six week period of time. The {$530.00} check has not been received. I had to pay the bank back myself. This took place in XX/XX/year>2025. I called XXXX XXXX phone number, they stated another check would be in the mail, this has not taken place.

In XXXX, I was enrolled in credit repair services provided by XXXX XXXX and its affiliates. I was charged upfront fees before any work was performed, in clear violation of the Telemarketing Sales Rule ( TSR ) and the Consumer Financial Protection Act ( CFPA ). I was also misled about the effectiveness and legality of their services. These practices were deceptive, unlawful, and financially harmful. In XX/XX/XXXX, I received a redress check through a CFPB-administered settlement. However, I was later explicitly informed by the settlement administrator ( XXXX XXXX XXXX ) on XX/XX/XXXX that I did not waive any legal rights by accepting the payment. Based on that confirmation, I submitted a formal demand letter on XX/XX/XXXX, to XXXX XXXX seeking additional compensation for the financial and emotional damage I experienced. As of today, XXXX XXXX has failed to respond, despite my 14-business-day deadline clearly outlined in the letter.…

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Charged Up charging fees from XXXX XXXX, I had XXXX XXXX for about a year back in 2023. Never received check for a reimbursement due to the Lawsuit that was passed for XXXX XXXX. I also, cant log in to the account anymore to retrieve any of the statements but I have my account information. I recently heard about the situation and immediately took action. The consumer finance department is having a hard time being able to access my information so its looking as if I never had an account