I signed up and paid $399 for credit repair service in Feb 08 with TexasLending.com. In April 08, I emailed my rep at TexasLending asking how the process was going as I had not received a lot of correspondence on my case. My rep emailed back and asked " should we update your credit and do a comparison on the credit reports to see exactly which reports have changed? Isn't that her job to know what to do. She should have asked " are you receiving any mail as we have sent out 2 rounds of disputes" as they claim later on.
In July 08, I sent another email to my rep asking what was going on, that I have not received any mail from them or the bureaus. I also asked to cancel the contract and my money be refunded to me. No reposnse.
In Nov 08, I again send another email demanding my money back as TexasLending did not provide the service for which they were contracted to do. I then get an email stating that my rep is no longer with the company, that she formed her own business. I then receive an email from my old rep at her new company claiming that they sent me a letter in Aug letting me know that she had moved and that letter was sent back to them. 1st, I did not move until Sept 1 and my mail was current at that address until Sept 15th. It was then forwarded to my new address. I still received no letter or any correspondence from TexasLending.com or the bureaus.
Then, I am finally in contact with the Relationship Marketing Manager and he claims that only the CFO has the authority to make a decision on my refund. He also claims that she is out of state on personal business until Nov 12th. So I email back on Nov 12th asking if the CFO had returned. No repsonse. I finally get a response on Nov 13th that she won't be back until Nov 17th. On Nov 18th, I receive an email from the CFO stating they had turned down my request. She states that TexasLending sent 2 rounds of disputes out and that I only sent 1 response back out of the 2. They claim I did not send them the proper documents. I told her that this was unacceptable, that I emailed my rep in April letting her know that I wasn't receiving a lot of correspondence from TexasLending or the bureuas. That should have been a red flag saying" hey guys something isn't working here".
Why didn't they tell me in April that I needed to mail them anything I got from the bureaus? Again, this should have been a red flag to them that something is not right.
So now I am beyond pissed and decide to dispute the debit card transation with Bank of America. I call BofA on Nov 21 and dispute the charge. The rep takes all of my information and asks that I send all the documentation to them. I faxed all the emails from TexasLending the next day. A few days later, I am issued a temporary credit in the amount of $399 and additional $140 in related NSF fee related to the charges. we tried to hold onto the money in case something was reversed, but I was laid off in Jan 09 and needed the money to pay bills
Fast forward to Feb 09, I recieve a letter on Feb 07, 2009 from BofA stating they were denying my claim and they would reverse the charges on Feb 9th. I called BofA and asked how to change this or rebut this. The lady said I had to send a written letter disputing the reversal. I called them on Feb 8th and asked to see if they had received my fax rebuttal, the rep claimed that she was in Florida and the fax went to Arizona. She also informed me that it would take 24 hours for the fax to be processed. I called BofA on Feb 10th to check my claim status and they inform me that it was again denied due to me not sending enough proof.
Finally, I get a manager on the line and she says she will help me and call me back in a few minutes. They call back and I am then informed that it was denied because the debit card transaction was over 60 days and could not be disputed. I understand that by law, they have to look into my allegation, but why didn't the BofA rep in Nov tell me that this was past the time limit. So basically, I am going to be charged 2 times for a service that was never done right the 1st time.
In principle, I should take TexasLending.com to small claims court and sue but I do not have the necessary funds to fight this as I am unemployed. It is my hope that this will play out in the court of public opinion instead. TexasLending is not be trusted and you should not attempt to do business with them. They claim that they can help you fix your credit and then help you obtain a home loan. What exactly, did Texaslending do to earn my $399? Nothing.
As for Bank of America, they just received federal help from the government and can't help one of their customers for a measley $539. They won't, so they have just lost a customer. TexasLending and BofA can rott in hell as far as I am concered.
Pissed off at texaslending.com & bank of america
North Richland Hills, Texas
U.S.A. Click here to read other Rip Off Reports on Bank of America