Lexington Law Firm

Re: [redacted] This is Lexington Law Firm’s formal response to Ms [redacted] ’s Revdex.com complaintWe understand your statements yet they appear to misstate our terms and policies "This company advertises credit repair, they dont provide the service" We challenged your items that you told us were incorrect, as agreed in our engagement agreement, which was digitally signed by you after you attested you read and understood the terms The credit bureaus themselves have notified us that as of February, after months of providing you this service, they removed at least items from your reports We cannot promise any results, and you agreed to this How could we? We prompt an investigation that you tell us is appropriate to your situation, and any removals will depend on your accurate assessment of the item appearing on your report Even though we could never pretend to promise any particular result, only provoke the investigation, we achieved those deletions for you Thus your statement 'they don't provide the service, is quite inaccurate to say the least"and even after cancelling they continue to take money out of your account without your permission, refusing to give it backStealing from people who have cancelled" As you agreed, we cannot charge in advance for any month you choose to have us work, we can only bill after the month's work is completedYou were informed of this and signed a document memorializing your understanding of this important term We do not charge in advance Your complaint pretends that we bill prior to any work being completed, and so you complain about the bill for work done your final month prior to your cancellation Due to your complaint we reviewed the charges we made to the payment method you agreed would be honored by your bank, and all charges are appropriate and as agreed We note that we had continual difficulty with funds not being available on the date you selected, so we accommodated you with several date changes for your convenience, and even waived the late fees as a courtesy for you “Their customer services reps are rude and hang up on you” Our notes show our agents helping you with issues, granting you discounts, providing explanations, and being generally helpful The only odd call was where you attempted to blame us for your lowering credit score The agent explained we cannot control certain factors such as all of your credit cards being over the limit This will drastically affect your credit score and the agent was correct to help you understand we can't cause your score to decrease, and most importantly negative trade lines only account for about 1/of the total score you have been assignedOur service only addresses these factors through education in the form of an easy to use website discussing these factors and what you can do There is no way to fix this issue but pay down your balances Additionally, we have no record of any agent hanging up on you, regardless of your demeanor towards them We expect you may remember the many courtesies that were extended to you, however, including waiving late fees for the hard declines your payment method caused, and kindly changing your billing date several times at your request“They have advertising stating they repair credit but after signing up they tell you that’s not what they doOnce asked to provide proof or documentation of what your paying for they hang up on you.” We do what we say we will There is no advertising You do not supply the ad you mention, and we don't believe any exist Your results are proof of our work, and so is the entire case file with documentation of all the challenges on your behalf You have not made a copy request, but you may at any time, including after your case is closed We urge you to make this request if you have any legitimate doubts in addition to your statements aboveDesired Settlement: RefundTo correct their advertising and to have them refund the money they stoleWe certainly did not steal any money from youSince your allegations are simply false, and we performed as agreed, and you agreed to honor our charges if we worked for you, we cannot return our earned fees without a valid reason We hope this explanation helps with any legitimate misunderstanding, and you enjoy those incredible results we achieved on your behalfClaudia I [redacted] Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext20056E:[email protected]

RE: [redacted] This is Lexington Law Firm’s formal response to Ms [redacted] ’s Revdex.com complaintLexington Law Firm regrets to hear of any problems that may have arisen while Mrs [redacted] was a clientWhen Mrs [redacted] enrolled with Lexington she also enrolled with her husbandWhen two individuals enroll together Lexington offers each of them half off their initial paymentThis discount is only eligible for the first payment, meaning each subsequent payment for monthly fees is paid at regular price for each clientIt seems this was not clear when Mrs [redacted] enrolledAn attorney from Lexington has reviewed Mrs [redacted] ’s case and her statements made in this ComplaintAn attorney from Lexington has reached out to Mrs [redacted] to attempt to resolve her concernsAfter speaking on the phone, Mrs [redacted] and Lexington have come to an amicable resolution that allows each party to move forward Claudia I [redacted] Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext20056E:[email protected]

Complaint: [redacted] I am rejecting this response because:I have received the credit It took months of responses such as this to get anywhere Both companies have blamed each other Lexington claimed they knew nothing about there promotion with Southwest Southwest claimed that Lexington wouldn't, "Confirm", the order # for the credit Regardless, it took countless hours and emails Lexington didn't even so much say I'm sorry or communicate in any way I am requesting a credit from Lexington for future use, or a refund on some of my fees This is the least they can do to compensate me for my time.Thank you, Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because: but it is sad that you think contacting the Revdex.com was a threatBut you also staying in this tesponse you all were able to speak to me about my husbands accountSince my credit card was on both accountsSo a refund for both accounts mine as well as my husbands should be reimbursed on everything that was paidAlso first time you took for my account as well as husbands accountweeks later took each account plus another dollars, I understand it was refunded and discounted following month but the point is it should have notSo should be my total refund back with both accounts Sincerely, [redacted] ***

Re: [redacted] This is Lexington Law Firm’s formal response to Ms [redacted] ’s Revdex.com complaintAccording to our records, you did not request cancellation until November 4th You signed up on the 28th of October, and the five day grace period was over by then, as you will understand However, your account was closed as requested, and you were not billed We hope that our waiver of this fee is appreciated Claudia I [redacted] Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext20056E:[email protected]

RE: [redacted] and [redacted] This Lexington Law Firm’s formal response to Mrand Mrs [redacted] ’ Revdex.com complaintLexington is troubled to hear of the issues that arose during Mrand Mrs***’s time with LexingtonLexington takes all complaints very seriously and strives to resolve them in a timely mannerUpon review of their case, Mrand Mrs [redacted] signed up with Lexington on 3/2/in order to have Lexington address negative items on their credit reportsIn compliance with the Credit Repair Organizations Act, Lexington allows its client a period of time to close their case without being chargedMrand Mrs [redacted] closed their case within this period and were not charged anything in addition to the $fee to obtain their credit reports upon signing upAn attorney with Lexington has reached out to Mrand Mrs [redacted] several times via telephone but has only been able to leave them voice mailsMrand Mrs [redacted] have not returned any calls to Lexington as of the time of this ResponseLexington has, however, taken steps that it feels should resolve Mrand Mrs***’s concerns Claudia I [redacted] Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext20056E:[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 meHowever I wish for this case to remain open until the refund is receivedAt that time I will gladly close the case Sincerely, [redacted]

Re: [redacted] This is Lexington Law Firm’s formal response to Mr [redacted] ’s Revdex.com complaintWe have carefully reviewed the Revdex.com Complaint made by Mr [redacted] In response to his complaint, we have sent Mr[redacted] a copy of our engagement agreement for his review Additionally, we are reviewing the call Mr [redacted] made to Lexington Law Firm to ensure that correct information is provided to our prospective clients We believe that this response answers Mr [redacted] ’s concerns Claudia I [redacted] Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext20056E:[email protected]

Re: [redacted] [redacted] This is Lexington Law Firm’s formal Response to Mr [redacted] ’s Complaint with the Revdex.comLexington assists many clients in repairing their credit by corresponding directly with creditors and the credit bureaus on their behalfWhen clients contact Lexington they speak with a representative about the service to determine if Lexington is able to help them with their credit issuesLexington also offers identity theft protection and insurance, credit monitoring and coaching, a FICO score, and other beneficial online toolsAll clients sign an engagement agreement that outlines the services Lexington will provide as well as the payment obligations the clients will incurThis agreement can be signed electronically over the internet or while on the phone with a Lexington representativeUpon receipt of Mr [redacted] ’s Complaint, an attorney from Lexington reviewed his case and listened to his initial phone call where he agreed to Lexington’s services and signed the engagement agreement over the phoneLexington was unable to find any instance where Mr [redacted] was told he would have to call back in to finish setting up servicesLexington has reached out to Mr [redacted] to speak more about this Complaint and his caseAs of the time of this Response, Lexington has not heard back from Mr [redacted] since its last email to himLexington would urge Mr [redacted] to contact the firm if he would like to further discuss his case of this Complaint Claudia I [redacted] Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext20056E:[email protected]

RE: [redacted] [redacted] This is Lexington Law firm’s formal Response to Mrs [redacted] ’s Revdex.com RebuttalThe debt a person may owe is separate from how it is reported to the credit bureausLexington only addresses the reporting of negative items, not the debt that is owedMany clients have seen items deleted from their credit reports even though they may still owe a debtMonthly 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 ResponseAs 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 cancellationLexington offers different services for individuals with varying budgets, including low cost credit monitoring and identity theft plansA client can, of course, close their case at their discretion whenever they likeLexington 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 renderedIf 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 attorneysClaudia I [redacted] Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext20056E:[email protected]

Re: [redacted] [redacted] *** This is Lexington Law Firm’s formal response to Mr***’s Revdex.com complaintThis is Lexington Law Firm’s Response to Mr***’s Rebuttal regarding the Response to his Revdex.com ComplaintAs 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 concernsAfter he filed the Complaint, the attorney again reached out to Mr [redacted] by phone and email and did not receive any additional responses from himLexington had already taken steps to resolve Mr***’s concerns, including a refund of a portion of his payments based on his impression that services would only be $per month for both he and his wife, which was his desired resolutionAfter this refund was issued, Mr***’s initial call with Lexington was reviewedMr [redacted] and his wife each engaged Lexington to represent themAfter each case was setup, the Lexington representative told Mr [redacted] for his wife’s case the first payment would be $with each additional monthly payment to be $for as long as she remains a clientSeveral minutes later in the call and after setting up Mr***’s case, the representative told Mr [redacted] for his case the first payment would be $and monthly payments of $for each month he remains a clientThis information was conveyed to Mr [redacted] through email, and the attorney from Lexington informed him he could listen to this call if he desiredLexington did not receive a response from this emailClaudia I [redacted] Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext20056E:[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 meI have received an email stating a refund of the two payments of $is to be returned to my bank card from which it was taken for a total amt of $and I am awaiting it to be processedAs soon as it does then I will be satified that this complaint has been resolved Sincerely, [redacted]

[redacted] This is Lexington Law Firm’s formal response to Ms [redacted] ’s Revdex.com complaintCustomer was billed five days after her sign up on 9/ This was the agreed upon price for our set up fee Her first monthly period of service was therefore 9/04/to 10/03/ She was aware that if she did not cancel by 9/03/2016, we would bill for this She did not cancel, and we billed for our case set up We then performed our monthly work on her behalf She called us to cancel on 10/03/2016, after allowing us to work on her case the entire month, not just part of it, but the whole monthShe was informed that of the final bill at the time she cancelled her case We only bill after the work is done, not in advance We wonder if customer became confused and on her own initiative thought we billed in advance It seems so from her text We advise customer to look at her bank statements and see that we only were able to successfully bill for the set up fee, and we have been left without payment for her first month's service Customer's remaining fees owed to us will be waived in the interest of resolving this complaint howeverClaudia I [redacted] Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext20056E: [redacted]

Complaint: [redacted] I am rejecting this response because: I pay $ plus times $ plus $ for a credit report, I have to bad reports on my record and they only removed of Equifax because expierian and TransUnion are kept hurting my credit, lexington law eliminated Equifax bad credits in more than months? how many years need to delete the rest? I still maintain 14/bad reports, they did not fix anything, I can not get evidence because they suspended my account , I need a full refund of my money or I will spend thousands to bring this case to court, the most important evidence that I am not the first to complain about this service, edit your ads "LEXINGTON LAW fix your credit report in years or more paying $a month" this is ridiculous Sincerely, [redacted]

RE: [redacted] *** This is Lexington Law Firm’s formal response to Mr***’s Revdex.com complaintThis is Lexington Law Firm’s Response to Mr***’s Complaint with the Revdex.comMr [redacted] contacted and engaged Lexington to represent him on September 4, in order to ensure the items on his credit reports were an accurate and substantiated portrayal of his credit historyIn order to engage Lexington, each client must sign an engagement agreement that outlines the services Lexington will provide and the client’s rights and obligationsThe engagement agreement also includes the amount the client will pay for the representationMr [redacted] agreed to this and Lexington began representing himLexington 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 representationThis discount applies to the first payment only, and after each client pays his or her monthly feeMr***’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 agreementsBefore 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 concernsAfter Mr [redacted] filed this Complaint, the Attorney reviewed Mr***’s initial phone call with Lexington and again tried to contact Mr [redacted] to discuss his complaintAfter leaving a voicemail and sending an email, Mr [redacted] has not responded to LexingtonIf Mr [redacted] has any questions about the resolution to his Complaint it would encourage him to contact Lexington as indicated in the email to himClaudia I [redacted] Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext20056E:[email protected]

RE: [redacted] This is Lexington Law Firm’s formal response to Mr [redacted] ’s Revdex.com complaintWe only challenged items you asked us to You filled out the web form we supplied for that purpose on 11/13/2016, also on that date you called in to confirm our arrangement and your next bill was discussed We then have your call from 12/13/16, where we discussed the two removals we had achieved in your case At that time you were behind on payments, as your bank was declining our charge on the date you selected for such, and told us you would call us back, presumably to speak with your bank We continued to remove items on your behalf You never discussed cancellation with us Then on January 6th of this year you called in attempting to tell our agent that you had provided notice of cancellation on the last call, instead of discussing removals and receiving a case update That agent did take your demand seriously, but this would be very unusual, so our agent listened to the entire call, and informed you that you were mistaken Our floor supervisor then listened to all the calls we’ve received from you, and made detailed notes on what was discussed, and there was no request for cancellation ever made However our supervisor then offered kindly to simply close your case and waive the amounts we had not collected yet We hope you will understand that we have already supplied courtesy discounts for you in this matter, even though you were not correct in your assertion that you ‘cancelled’ Please understand that we did our best to help you in your situation, but you did not provide us any notice of cancellation, and we spent much time listening to the calls in order to know for sure We appreciate your understanding of the situation Claudia I [redacted] Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext20056E:[email protected]

RE: [redacted] [redacted] This is Lexington Law Firm’s formal Response to Mr [redacted] ’ Complaints with the Revdex.comMr [redacted] contacted Lexington in and decided to engage Lexington to represent him to ensure the items on his credit reports are a fair accurate, and substantiated portrayal of his credit historyUpon engaging Lexington, the firm began sending letters to Mr [redacted] ’ creditors and challenges to the credit bureaus to make sure the information they are reporting is accurate as mandated by the Fair Credit Reporting ActIn addition to these letters, Lexington provided Mr [redacted] with identity theft insurance and protection, credit monitoring and coaching, and other online tools to assist him in bettering his creditLexington is unable to control which items continue to be reported on a client’s credit reportsThe reporting of the information is done at the discretion of the creditors and/or the credit bureausLexington can continue to represent its clients to ensure the information on their credit reports is correct, but cannot guarantee any specific results or outcomes on their caseAn attorney from Lexington reviewed Mr [redacted] ’ case in light of his Complaint and has reached out to him to discuss the details of his ComplaintLexington’s attorney was able to reach Mr [redacted] by phone and explain to him the process of his case and that Lexington cannot guarantee any results going forwardBased on this conversation, 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)297-2494Ext20056E:[email protected]

RE: [redacted] This is Lexington Law Firm’s formal response to Ms [redacted] ’s Revdex.com complaintIt is unfortunate that there seems to be some misunderstandings regarding what is possible with our service We do have a copy of our terms that you appeared to digitally sign prior to our allowing you as a client We ask that you read it when you have concerns or questions, as this is our agreement in full For example, it is not possible to 'expect' removal of an accurate itemIt is also not possible for us to pretend we know the outcome of the investigation you ask us to prompt into items you simply tell us are inaccurate A customer may be mistaken, and obviously we are not able to know this prior to enrollment You are responsible for providing us accurate information Additionally our work did result in deletions of negative items from your report We notified you of these as they occurred Also please understand our supervisors are not being rude when they attempt to correct a misunderstanding A Supervisor cannot alter our agreement with you, or pretend to provide a service we do not For example it is not reasonable to expect we will continue to provide you service after you cancel it Finally, it is not possible for us to add negative marks to your report as you have claimed Mostly it appears that any confusion or questions you might have had were simply answered by your own incorrect assumptions of our service, and our answers were viewed as untrustworthy We cannot accommodate this, but only explain our various service levels and how you may choose which fits you best However it is abundantly clear that your misunderstanding has led to a complete breakdown of trust, as you feel comfortable calling us a 'fraud' without any factual basis Accordingly we are issuing a full refund of all fees you paid us We have then worked at your request, on your issues, for free We understand this will resolve your complaintClaudia I [redacted] Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext20056E:[email protected]

Re: [redacted] [redacted] This is Lexington Law Firm’s Formal response to Mr [redacted] ’ Revdex.com complaintLexington is a consumer advocacy law firm that assists its clients in ensuring the items reported on their credit reports are a fair and accurate representation of their credit historyLexington is not involved in debt collection and does not sue or threaten litigation to collect any debtEmails from the domain “lexingtonlaw-firm.com” do not originate from Lexington Law Firm, but rather are spam emails that a third party has sent using Lexington’s nameLexington is currently making legal efforts to remedy the use of this domain to send email to individualsUpon receiving this Complaint from Mr [redacted] , Lexington has reached out to make sure he understands that the threat of a lawsuit did not in fact come from Lexington, but from a third partyHaving communicated this to Mr [redacted] , Lexington considers the matter resolvedClaudia I [redacted] Attorney StaffAdministrative AssistantLexington Law FirmNorth Salt Lake P: (801)297-2494Ext20056E:[email protected]

This is Lexington Law Firm’s formal response to Ms [redacted] ’ Revdex.com complaintLexington Law is always disappointed to hear that a client has had a negative experience during their representation by Lexington LawWhen Lexington learns of such issues, it reaches out in an attempt to resolve the issue as well as possibleOn May 15, 2015, [redacted] called and initiated her representation by Lexington LawDuring the initial phone call, Ms [redacted] was read a prepared statement highlighting the nature of the $fee for her TransUnion reportWhen asked directly if she authorized Lexington to initiate this payment, she stated "yes"Lexington has tried repeatedly to contact Ms [redacted] and has not heard back from her to verify that actions taken by Lexington have left her satisfiedHowever, based on the actions taken since then and the requested resolution by Ms [redacted] , Lexington considers this issue resolvedThanks, [redacted] | Managing Executive Assistant, Lexington Law Firm