Lexington Law Firm

RE: [redacted] This is Lexington Law Firm’s formal response to Mr. [redacted]’  Revdex.com complaint. Lexington Law Firm regrets to hear of the problems Mr. [redacted] encountered with Lexington’s billing procedures. When a client engages Lexington to represent him or...

her in credit repair it sometimes offers a discount if another person also engages Lexington at the same time. This discount is meant for the first payment each client makes in setting up their case. After this first discounted payment is made then each client will pay the normal payment based on the service level they choose when they engage Lexington. These payments should be made clear when each client speaks with a representative from Lexington, but is also included in the engagement agreement each person signs to become a client. Upon receiving this Complaint from Mr. [redacted], an attorney reviewed his and his wife’s case to determine what happened with their billing and payments. Lexington has tried to reach Mr. [redacted] by phone to discuss his concerns as listed in the Complaint but have not yet been able to speak with him. Lexington has taken steps it feels should resolve Mr. [redacted]’ Complaint and have emailed him to let him know what that resolution is. If Mr. [redacted] has questions about the resolution or would like to discuss his Complaint then Lexington would encourage him to reach out to Lexington as indicated in the voicemail or email. Claudia I[redacted]Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext. 20056E:[email protected]

Re: [redacted] This is Lexington Law Firm’s formal response to Mr. [redacted]’s Revdex.com complaint. Your services were never charged according to our accounting records.  Is it possible the same payment method was used on another's case?   This is the only way we can imagine you would have a charge on your credit card from us, as you were never billed. Please let us know if there is another client using the same card for their services with us. Claudia I[redacted]Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext. 20056E:[email protected]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

RE: [redacted] This is Lexington Law Firm’s formal response to Mr. [redacted]’s Revdex.com complaint. This is Lexington Law Firm’s Response to Mr. [redacted]’s Complaint with the Revdex.com. Mr. [redacted] contacted and engaged Lexington to represent him on September 4,...

2017 in order to ensure the items on his credit reports were an accurate and substantiated portrayal of his credit history. In order to engage Lexington, each client must sign an engagement agreement that outlines the services Lexington will provide and the client’s rights and obligations. The engagement agreement also includes the amount the client will pay for the representation. Mr. [redacted] agreed to this and Lexington began representing him. Lexington will often times offer a discount to clients on the first fee they must pay to Lexington if they have a friend or family member also engage Lexington’s representation. This discount applies to the first payment only, and after each client pays his or her normal monthly fee. Mr. [redacted]’s wife decided to also engage Lexington and each of them was given a discount for the first month’s fee, after which they were each billed according to their individual cases and the engagement agreements. Before Mr. [redacted] had filed his Revdex.com Complaint, an attorney from Lexington had already been in communication with and took steps to attempt to resolve his concerns. After Mr. [redacted] filed this Complaint, the Attorney reviewed Mr. [redacted]’s initial phone call with Lexington and again tried to contact Mr. [redacted] to discuss his complaint. After leaving a voicemail and sending an email, Mr. [redacted] has not responded to Lexington. If Mr. [redacted] has any questions about the resolution to his Complaint it would encourage him to contact Lexington as indicated in the email to him. Claudia I[redacted]Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext. 20056E:[email protected]

We received the following response from the business regarding this complaint: Re: #[redacted] This is Lexington Law Firm’s formal response to Ms. [redacted]’s Revdex.com complaint. Customer agreed in writing that she fully understood that we cannot promise particular...

results.  We agreed to advance her position legally but her situation will dictate the results she receives.   Customer can cancel at any time by email or phone and we are always available for these issues.  Customer chose to remain with us to see the results of the investigation we prompt and this was her choice.   We performed the work as agreed and cannot give full refunds if the 'results' are not what a consumer hopes for.  However we must mention that our efforts in this person's case resulted in at least 6 deletions during the 3 months (not five as customer states), she was with us.  Thus there is no legitimate complaint here, just an attempt to avoid paying for our services after she received the benefit of them.  We know the customer received the service she contracted for and has no cause for legitimate complaint. Thanks,Kristine G[redacted]|Managing Executive Assistant, Lexington Law FirmStatement of Confidentiality: The contents of this e-mail message and any attachments are confidential and are intended solely for the addressee. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply e-mail and delete this message and its attachments, if any. Email is covered by the Electronic Communications Privacy Act, 18 USC §§ 2510-2521 and is legally privileged.

Re: [redacted] This is Lexington Law Firm’s formal response to Mr. [redacted]’s Revdex.com complaint. This is Lexington Law Firm’s Response to Mr. [redacted]’s Rebuttal regarding the Response to his Revdex.com Complaint. As indicated in its initial Response, Lexington stated that an attorney from the firm had been working with Mr. [redacted] before he filed his Revdex.com Complaint to resolve his concerns. After he filed the Complaint, the attorney again reached out to Mr. [redacted] by phone and email and did not receive any additional responses from him. Lexington had already taken steps to resolve Mr. [redacted]’s concerns, including a refund of a portion of his payments based on his impression that services would only be $99.95 per month for both he and his wife, which was his desired resolution. After this refund was issued, Mr. [redacted]’s initial call with Lexington was reviewed. Mr. [redacted] and his wife each engaged Lexington to represent them. After each case was setup, the Lexington representative told Mr. [redacted] for his wife’s case the first payment would be $49.95 with each additional monthly payment to be $99.95 for as long as she remains a client. Several minutes later in the call and after setting up Mr. [redacted]’s case, the representative told Mr. [redacted] for his case the first payment would be $49.95 and monthly payments of $99.95 for each month he remains a client. This information was conveyed to Mr. [redacted] through email, and the attorney from Lexington informed him he could listen to this call if he desired. Lexington did not receive a response from this email. Claudia I[redacted]Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext. 20056E:[email protected]

RE: [redacted] [redacted] This is Lexington Law Firm’s formal response to the Revdex.com complaint. Lexington Law Firm represents individuals to ensure the items on their credit reports are verifiable and substantiated, and that their reports are an accurate portrayal of their...

credit history. Lexington does this by challenging negative items directly with the credit bureaus and sending letters to creditors on its clients’ behalf. When clients initially engage Lexington, they speak with a Lexington representative who goes over the services and has each client sign an engagement agreement. The engagement agreement outlines the services Lexington will provide as well as the clients’ rights and obligations. Clients must also place a form of payment on their case as Lexington collects payments each month for as long as they decide to remain clients. Lexington collects payments after rendering services in accordance with the Credit Repair Organizations Act. Upon receiving this Complaint from Ms. [redacted], an attorney reviewed her initial call with Lexington to confirm she did sign the engagement agreement and the billing was reviewed with her. The firm has taken steps it feels should resolve Ms. [redacted]’s Complaint and has communicated those steps to her in an email. Lexington has not yet heard back from Ms. [redacted], but can verify that Lexington no longer has her card on file and the firm and Ms. [redacted] no longer have any business together. If Ms. [redacted] has any questions about her case or this Response, the firm would encourage her to contact Lexington as indicated in the email to her.  Claudia I[redacted]Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext. 20056E:[email protected]

RE: [redacted] This is Lexington Law Firms formal response to Ms. [redacted]’s Revdex.com complaint. We have carefully reviewed Ms. [redacted]’s complaint. We have thoroughly investigated Ms. [redacted]’s concerns and have verified that her contact information has been...

removed from our records. Going forward Ms. [redacted] will not be contacted by our firm. We trust that this resolves Ms. [redacted]’s concerns.  Claudia I[redacted]Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext. 20056E:[email protected]

This is Lexington Law Firm’s formal response to Mr. [redacted]’s Revdex.com complaint. Mr. [redacted] opened his case with Lexington Law on the 20th of February, 2015. At that time he signed an agreement with us to have us do work on his behalf. He agreed both verbally and in...

writing to how he would be billed for services rendered.  His first invoice date was set for March 1, 2015, but we were not paid at that time. We attempted to contact him on three separate occasions in March in an effort to deal with the matter but he did not reply to our queries. The first, and only payment, Lexington received was on 15 April, 2015. And he called that same day, asking us to close his case and issue a refund. After he signed the agreement we went to work on his behalf. During the time his case was open we sent out four separate letters and he saw five removals of negative information from Equifax and five removals of negative information from TransUnion. While we do not bill based on removals, the signing of the agreement shows that he did agree to be billed, and the letters and removals show that he did receive value in the form of services rendered. Thus he did sign up for our services, he was aware he would be billed, and he did receive value for our services. We are sorry that we were unable to meet his expectations. However, despite having done work as agreed we did issue him a refund before he filed his complaint. And, he received that refund on 4.24.2015. Lexington considers this matter closed. Thanks,[redacted] | Managing Executive Assistant, Lexington Law Firm

This is Lexington Law Firm’s formal response to Ms. [redacted]’s Revdex.com complaint. Ms. [redacted] signed up for Lexington Law Firm’s services on 3/5/2015. The service plan selected was the Concord Premier Service for $99.95 per month. Between 3/5/2015 and 5/16/2015, Lexington Law Firm...

performed work on Ms. [redacted]’s case. Lexington Law Firm challenged 26 negative items with the credit bureaus and intervened with six of Ms. [redacted]’s creditors. During that time, four negative items were removed from Ms. [redacted]’s credit reports. Lexington Law Firm focuses on challenging negative items and does not make any guarantees regarding credit scores or outcomes. Besides payment history, there are various other factors that affect a credit score and that may have caused Ms. [redacted]’s credit score to decline. Lexington Law Firm does not dispute accurate items. Ms. [redacted] was informed of this fact on her initial phone call with the firm. Lexington Law Firm challenged Ms. [redacted]’s negative items with the credit bureaus, asking the bureaus to verify the accuracy of the items.  Ms. [redacted]’s case is closed and she will not be charged any further fees. Lexington Law Firm considers this matter resolved. Thanks,Kristine [redacted] | Managing Executive Assistant, Lexington Law Firm

Re: [redacted] This is Lexington Law Firm’s formal response to Ms. [redacted]’s Revdex.com complaint. Mrs. [redacted]’s reply states, “you are wrong.. telling you I was contacting the Revdex.com isn't a threat. And I have mentioned it 1 time.” Between 10/15/2016 and 12/14/2016, Mrs. [redacted] stated she would file a complaint with the Revdex.com on three separate occasions:•  In an email on 10/15/2016, “If this isn't taken care of I will cancel mine as well as my husband's account that we have set up with you. Then contact the Revdex.com and file a complaint with them!”•  In an email on 12/14/2016, “I will be contacting the Revdex.com and filing a complaint with them to get my money back into my account.”•  On a phone call with a Lexington Law Firm paralegal on 12/14/2016 when the paralegal was attempting to explain to Mrs. [redacted] that an email to change the billing date on her case does not also apply to her husband’s case due to attorney-client confidentiality. Lexington Law Firm’s third party billing policy allows paralegals to solely discuss billing information with the card holder who is paying for a case. Mrs. [redacted]’s credit card is on her husband’s case; therefore, Lexington Law Firm paralegals were able to discuss charges and refunds occurring on Mrs. [redacted]’s credit card. Any time paralegals discussed case sensitive material or made changes to her husband’s case, Mrs. [redacted]’s husband gave verbal consent on the recorded phone call. Mrs. [redacted] also states that her first payment was taken twice. As previously stated in Lexington Law Firm’s initial response, Mrs. [redacted] authorized Lexington Law Firm to charge her credit card for both her and her husband’s cases. Both cases have the same monthly draft dates, which Mrs. [redacted] agreed to when the cases were opened. Therefore, a payment for each case drafted at the same time. When Mrs. [redacted] contacted Lexington Law Firm to inquire about the charges, the paralegal noticed that the Friends and Family discount had not been applied and immediately fixed the error. In addition, as a courtesy, the paralegal applied a discount for the next month. Lexington Law Firm has already gone above and beyond to address Mrs. [redacted]’s concerns. Despite this, to ensure a speedy resolution of this complaint and due to the very minimal amount Mrs. [redacted] paid Lexington Law Firm, it has decided to honor the desired settlement Mrs. [redacted] proposed. Lexington Law Firm considers this matter closed. Claudia I[redacted]Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext. 20056E:[email protected]

RE: [redacted] This is Lexington Law Firm’s formal response to Mr. [redacted]’ Revdex.com complaint. Lexington Law Firm regrets to hear of any problems Mr. [redacted] may have had with payments while he was a client. Mr. [redacted] and his wife engaged Lexington to represent...

them on April 14, 2017. Lexington had also previously represented Mr. [redacted] for several months in 2015 and 2016. In representing Mr. [redacted] and his wife, Lexington’s services were meant to ensure the items being reported on their credit reports are an accurate portrayal of their credit history. The services, along with payment and billing details, are included in the engagement agreement that each client must sign before being represented by Lexington. Mr. [redacted] and his wife both signed this agreement when engaging Lexington. Upon review of their cases, each client did not end representation until July 3, 2017. Mr. [redacted] spoke with a paralegal about his case onJune 14, but did not want Lexington to stop representing him at that time. Between his case and his wife’s case, there were only two payments made in June and July and they totaled $94.64. These charges were for the services Lexington had provided to Mr. [redacted] and his wife while they were clients with Lexington. An attorney from Lexington has reached out to Mr. [redacted] to speak with him about the details of his Complaint and the payments he made to Lexington. Lexington has made two phone calls and sent an email to Mr. [redacted] in an attempt to speak about his Complaint. As of the time of this Response Lexington and Mr. [redacted] have been unable to discuss his concerns. Lexington is committed to addressing Mr. [redacted]’ Complaint and urges him to contact Lexington as indicated in the email sent to him. Claudia I[redacted]Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext. 20056E:[email protected]

We received the following message from the business regarding the complaint:  RE: #[redacted] This is Lexington Law Firm’s formal response to Ms. [redacted]’s Revdex.com complaint. Customer was only charged for work done prior to her notice of cancellation with...

us.  We prorated the last month to a lesser amount to comport with the number of days she continued to have us work her case that month.  Additionally customer attempts to make her service about her credit score which we specifically disclaim in our sales pitches and contracts that govern the entire relationship's expectations on both sides. During the time the customer was with us, our work was performed as agreed each payment cycle, and she understands she may request proof of that at any time, and we will even send her the entire case file as proof.  Additionally the credit bureaus themselves have informed us that they have removed at least 17 items from her reports.  Since a score change cannot be estimated for this work, we don't promise score changes.  A customer sees this disclaimer everywhere in our process.  A score is a private model that takes into account many factors, while our service focuses on removing inaccurate items.  A score change of some kind might occur but our service is not tied to it in any way, nor do we advertise such.   A file review as a result of this complaint has revealed that customer's complaint is not valid.   Customer's demand she receive all of her money back is therefore not valid. Thanks,Kristine G[redacted]|Managing Executive Assistant, Lexington Law FirmStatement of Confidentiality: The contents of this e-mail message and any attachments are confidential and are intended solely for the addressee. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply e-mail and delete this message and its attachments, if any. Email is covered by the Electronic Communications Privacy Act, 18 USC §§ 2510-2521 and is legally privileged.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Ido hope this business finds a way in the future to slow down and make sure their policy is more easily understood. Maybe require potential client to log into their website and read what will be verbally told so they have more than one way to absorb the services they're committing to with the fees that will be charged. And hopefully they make better choices who they partner with as well. 
Sincerely,
[redacted]

RE: [redacted] This is Lexington Law firm’s formal Response to Mrs. [redacted]’s Revdex.com Rebuttal. The debt a person may owe is separate from how it is reported to the credit bureaus. Lexington only addresses the reporting of negative items, not the debt that is owed. Many clients have seen items deleted from their credit reports even though they may still owe a debt. Monthly payments are made to Lexington not only for the challenges made with the credit bureaus and letters sent to creditors, but also for the others tools mentioned in Lexington’s original Response. As indicated in the engagement agreement, clients may cancel their case several different ways, including speaking with a paralegal on the phone or by chat, by email, or mailing a notice of cancellation. Lexington offers different services for individuals with varying budgets, including low cost credit monitoring and identity theft plans. A client can, of course, close their case at their discretion whenever they like. Lexington has already taken all the steps possible in resolving Mrs. [redacted]’s Complaint as it now has not received any payment from her for the services rendered. If Mrs. [redacted] has additional questions, Lexington would urge her to reach out directly to Lexington as indicated in the email sent to her by one of the firm’s attorneys. Claudia I[redacted]Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext. 20056E:[email protected]

Re: [redacted] This is Lexington Law Firm’s formal response to Mr. [redacted]’s Revdex.com complaint. We retain exactly zero dollars for the service we provided you.  Everything was refunded to you well before your complaints started arriving.  This, even though you agreed to pay us, and we are legally entitled to those fees.  Our generous offer to refund all fees to help you with your 'confusion', has been met with statements denying this.  Yet the facts are simply facts.  Please conduct a review of your bank statements and you will see that you have paid us absolutely nothing for 4 months of service, where our work achieved dozens of deletions of negative marks on your credit report.  You are the clear winner here and we'd like you to resolve this.  You have our labor for free, there is no more money to 'refund', and you alone have the benefit of at least 33 deletions of negative items as a result of our work. Claudia I[redacted]Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext. 20056E:[email protected]   --

Re: [redacted] This is Lexington Law Firm’s formal response to Mr. [redacted]’s Revdex.com complaint. Lexington Law Firm takes its clients’ respective privacy very seriously.  Client information is used only in very specific circumstances.  These...

circumstances are listed under the following link: www.lexingtonlaw.com/info/privacy-policy .  Please review the policy and feel free to contact us with any questions that you may have.  We trust this explanation will answer your concerns.   Claudia I[redacted]Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext. 20056E:[email protected]

RE: [redacted]This is Lexington Law Firm’s formal response to Ms. [redacted]’s Complaint with the Revdex.com. Lexington will periodically offer clients specific deals if they would like to continue with Lexington’s services. Ms. [redacted] decided to move forward with Lexington’s services but decided...

to terminate the relationship after a little over a month. Ms. [redacted] was promised a discount for the first month’s payment. Lexington can verify that its representation of Ms. [redacted] has been terminated and she will have no additional payments to be made as her balance is zero. If Ms. [redacted] has any problems or concerns with this she should contact Lexington at her convenience.Claudia I[redacted]

RE: [redacted] [redacted] [redacted] This is Lexington Law Firm’s formal response to Mr. [redacted]’s Revdex.com complaint. Lexington assists its clients to ensure the items placed on their credit reports are an accurate and verifiable portrayal of their credit history. Lexington does...

this by challenging items with the credit bureaus and sending letters to creditors on the client’s behalf to make sure items are reported correctly under the Fair Credit Reporting Act. The methods Lexington chooses in performing these actions are those Lexington has found to be most successful in over twenty years of business. The engagement agreement, which each client must sign when engaging Lexington to represent him, also outlines the services and details of how Lexington communicates with the bureaus and creditors. The Credit Repair Organizations Act dictates how Lexington can bill clients. Lexington does not bill clients until after the work on their case has been completed. A client’s first payment is a fee associated with setting up his or her case, including: pulling and analyzing credit reports, providing credit coaching and access to online tools, identity theft insurance, and FICO and budgeting tools if applicable for the service level. After that first payment for setting up the case, work is done and is billed after completed for each month according to the service level the client prefers. Upon receiving this Complaint from Mr. [redacted], an attorney from Lexington reached out to him to discuss the details of his Complaint. Lexington and Mr. [redacted] have been able to speak so Lexington could explain these details to him. Lexington and Mr. [redacted] have come to an amicable resolution to his Complaint. Claudia I[redacted]Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext. 20056E:[email protected]

Complaint: [redacted]
That is NOT POSSIBLE because I knew I only had $3 in my account.
I am rejecting this response because:
Sincerely,
[redacted]