Debt or credit management -- Charged upfront or unexpected fees -- Complaint #7805454
Complaint Overview
Complaint ID: 7805454
Company: White Jacobs & Associates
Product: Debt or credit management
Sub-Product: Credit repair services
Issue: Charged upfront or unexpected fees
State: North Carolina
ZIP Code: 27410
Date Received: 2023-11-05T12:00:00-05:00
Date Sent to Company: 2023-11-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The owner pretended like he wanted to work with me to resolve the issue at hand but in the end he decided to steal my {$990.00} dollars without providing me with the service I paid his company to perform. Please be careful when dealing with this company! I am suspect when it comes to the glowing reviews. I think the phone number they provide on their website should be looked into. Also, the company violated the Credit Repair Organizations Act ( CROA ). Do not hire XXXX XXXX to repair your credit! I was contacted by XXXX who convinced me to hire them to repair my credit. Days after I hired them his assistant XXXX contacted me stating that they sent my dispute letter out and they would contact me XX/XX/XXXX, to give me an update. The next day XXXX called me and said he would contact me XX/XX/XXXX. This had me wondering why was I getting XXXX different dates from people who work closely together. I then sent XXXX an email asking if they sent my dispute letters by certified mail and I also wanted a copy of the dispute letters. She responded by saying yes. XXXX weeks went by and I did not receive any notification from the credit bureaus stating disputes were opened. I then became concerned that letters were not sent out. So, I contacted XXXX requesting a copy of the certified mail receipt and dispute letters. This is the response she provided : Goodmorning Mrs. XXXX, we sent your first-round letters out on XX/XX/XXXX. We are not permitted to allow the client to have a copy of the audit letters due to copyright infringement. My apologies. Unfortunately, we don't send our clients the letters that we send out and we don't send out the mail receipts due to protection policy. My apologies for any inconvenience. I then realized I was scammed and contacted both her and XXXX making them aware of my discovery. I am in the process of contacting as many consumer protection agencies as I can so that other consumers will not lose {$990.00} for the first-time fee and then {$110.00} a month. I am so devastated because they both came across like they were really caring and concerned about helping me with repairing my credit. I wonder how they ever received glowing reviews that I assume former clients have left. Protect your money and do not hire XXXX XXXX to repair your credit. I think they were trying to keep me on the subscription for as long as possible.
Frequently Asked Questions
What is Complaint #7805454 about?
Complaint #7805454 was filed against White Jacobs & Associates regarding Debt or credit management specifically about Charged upfront or unexpected fees. It was received by the CFPB on 2023-11-05T12:00:00-05:00.
How did White Jacobs & Associates respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt or credit management) and describe your issue in detail.
Can I see other complaints against White Jacobs & Associates?
Yes, visit the White Jacobs & Associates company profile at readthecomplaint.com/company/white-jacobs-associates to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.