Debt or credit management -- Didn't provide services promised -- Complaint #11882200
Credit Repair Service Fails to Deliver Lasting Results, Negative Items Reappear
Complaint Overview
Complaint ID: 11882200
Company: John C. Heath, Attorney At Law, Pllc
Product: Debt or credit management
Sub-Product: Credit repair services
Issue: Didn't provide services promised
State: Wisconsin
ZIP Code: 53051
Date Received: 2025-01-31T12:00:00-05:00
Date Sent to Company: 2025-01-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the consumer alleges the core promise of the service—permanently removing negative items—was not met, leading to a potential breach of contract or deceptive practice claim.
Consumer Sentiment: negative
Topics: Credit Repair Services, Deceptive Practices, Contract Disputes
AI Analysis
CFPB complaint 11882200 was filed against John C. Heath, Attorney at Law, PLLC regarding Debt or credit management (Credit repair services), specifically about "Didn't provide services promised". A consumer paid for credit repair services but found that previously removed negative items reappeared on their credit report after they stopped the service. The complaint was received on January 31, 2025 from Wisconsin. The company responded with "Closed with explanation".
Consumer Narrative
XX/XX/year>. Initial payment was for XXXX There after I was being charged {$65.00} every 2 weeks the XXXX contacted me gave me the instructions on how to contact the creditors that were incorrectly on my report, they were taken off but when I stopped the service a year later seems as though all the items that were taken off were back on my report
What You Should Do -- Consumer Action Plan
Consumers should carefully review contracts for credit repair services, understand the duration of the service's effectiveness, and keep detailed records of all communications and results.
Legal Context & Consumer Protection Laws
This situation could involve claims related to breach of contract, deceptive trade practices, or violations of the Credit Repair Organizations Act (CROA) if applicable.
Regulatory Insight
Regulatory bodies may investigate if the credit repair organization engaged in deceptive practices by not ensuring the long-term removal of inaccurate information or by misrepresenting the permanence of their services.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Wisconsin, and state laws regarding credit repair services and consumer protection will apply.
Industry Comparison
This is a common issue in the credit repair industry where the effectiveness of services can be temporary, leading to consumer dissatisfaction.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11882200 about?
CFPB complaint 11882200 involves Debt or credit management (Credit repair services). The consumer reported an issue with "Didn't provide services promised". This complaint was filed against John C. Heath, Attorney at Law, PLLC on January 31, 2025.
Which company is complaint 11882200 filed against?
Complaint 11882200 was filed against John C. Heath, Attorney at Law, PLLC. You can view all complaints against this company on their profile page at /company/john-c-heath-attorney-at-law-pllc.
What was the company's response to complaint 11882200?
John C. Heath, Attorney at Law, PLLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11882200 filed?
Complaint 11882200 was received by the CFPB on January 31, 2025. It was sent to John C. Heath, Attorney at Law, PLLC on January 31, 2025.
What state was complaint 11882200 filed from?
Complaint 11882200 was filed from Wisconsin. You can view all complaints from this state at /state/WI.
Was the consumer satisfied with the resolution of complaint 11882200?
Dispute information is not available for complaint 11882200.
What product category is complaint 11882200 about?
Complaint 11882200 is categorized under "Debt or credit management", specifically "Credit repair services". This is one of the product categories tracked by the CFPB.
How was complaint 11882200 submitted?
Complaint 11882200 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11882200?
This situation could involve claims related to breach of contract, deceptive trade practices, or violations of the Credit Repair Organizations Act (CROA) if applicable. This relates to a Debt or credit management complaint against John C. Heath, Attorney at Law, PLLC involving "Didn't provide services promised".
How likely is complaint 11882200 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11882200?
This complaint is rated as medium risk. The risk is medium because the consumer alleges the core promise of the service—permanently removing negative items—was not met, leading to a potential breach of contract or deceptive practice claim.
What regulatory actions apply to complaint 11882200?
Regulatory bodies may investigate if the credit repair organization engaged in deceptive practices by not ensuring the long-term removal of inaccurate information or by misrepresenting the permanence of their services. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt or credit management industry.
What should the consumer do about complaint 11882200?
Consumers should carefully review contracts for credit repair services, understand the duration of the service's effectiveness, and keep detailed records of all communications and results.
Are there state-specific protections for complaint 11882200?
The consumer is located in Wisconsin, and state laws regarding credit repair services and consumer protection will apply. This complaint was filed from Wisconsin.
How does complaint 11882200 compare to industry norms?
This is a common issue in the credit repair industry where the effectiveness of services can be temporary, leading to consumer dissatisfaction.
What specific contractual clauses address the permanence of credit repair outcomes and the process for re-appearing items?
Contracts often detail the scope of services and may include disclaimers about the permanence of credit report changes, as credit bureaus can reinstate accurate negative information under certain conditions.
Under what circumstances can credit bureaus reinstate previously removed negative items?
Credit bureaus can reinstate items if they are verified as accurate after a dispute, or if the original creditor provides updated information confirming the debt's validity.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.