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Lexington Law Refuse to cancel without additional payment even though payments made as required North Salt Lake, Utah
On September 1, 2015, I agreed to use the services of Lexington Law in order to improve my credit score. I was told I had to pay $12.99 to start, then $99.95 would be charged after the first 14 days (at the end of the month), which it was. Another $99.95 was charged to my charge card after the 16th of October, 2015, for the 2nd month. When I called them to cancel, I was told I needed to pay yet another $99.95, which the automated IVR said was not due until November 16.
I had attempted to cancel my service earlier in October, but was told I had to wait and call them on October 31. Of course, they have no record of my conversation with this person.
I emailed them early in the morning of October 31, and called them around 2:30 p.m EST as well. The male I spoke with attempted to get me to keep their service by lowering my monthly payment. He continually talked over me and tried (unsuccessfully) to explain how I owed them another $99.95 for two months of their service, which would make my total payments $299.85 plus the $12.99 start-up fee.
I was polite for most of the call, until he continued to insist I didn't "understand" how their payment plan worked. I "understood" completely, and told him I knew what was going on and that I was reading Ripoff Report at the moment and saw that they had done this before. I eventually had to raise my voice, since he continually talked over me, and insisted that he cancel my service today. He put me on hold and allegedly spoke with a supervisor. When he returned, he said he would mark my account "closed, without further payment" or words to that effect.
The other thing is: I remedied one of the reports myself, without their help. I only had 3 creditors on my credit bureau reports and (surprise) neither of them replied to Lexington Law. I was able to contact one of them and resolve that issue (I was told my account with them should never have been turned in to collections and it was removed from all 3 credit bureaus). The other two creditors never responded in 60 days, which is the law.
I was told by Lexington Law's paralegal that I did not select the right option (not mine), so it was not correct. I told him they did not offer the option I needed and I followed what they suggested to choose. I had to tell him this three times.
In the end, I told him in no uncertain terms that my account was to be cancelled and that if they placed another charge on my credit card, I would place it in dispute and place a report on the internet about them (which I am now doing).
I was, at one time, a legal secretary. His double talk did not confuse me and I assured him what they were doing is illegal.
Buyer Beware!
1 Updates & Rebuttals
Jim
Florida,USA
It Doesn't Work
#2Consumer Comment
Sun, November 01, 2015
"Repair" your bad credit??? Guess what? If the information contained in your bureau reports is correct then it has a right to be there and will stay there. The only way to remove it is to turn over a new leaf and pay your bills on time. Over time, the bad stuff starts to either fall of or carry less weight. The old time way to trick the credit bureaus of writing letters to verify the information and hope they don't respond in time doesn't work. They are wise to that game. If there is any wrong information on your report, then you can have that corrected by yourself and for FREE.