| 03/08/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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Complaint Dear Consumer Financial Protection Bureau, I am writing this letter regarding a service I received from Top Flight Assistance, I am requesting an immediate refund from this company. I believe this company used a misleading representation of the services, extended credit to me in the form of a company tradeline, charged me money for services that were not fully performed, and attempt to commit deception of their services. It wasnt until I read the Credit Repair Organization Act that, I knew this company used prohibited practices.
I do not believe this company will reach out again and make this situation right. I honestly feel scammed. Im now looking for any help possible to get my refund. I recently read the Credit Repair Organization Act and Believe this Company violated several CROA public laws.
During my call on XX/XX/2021, The consultant XXXX used a misleading representation of the services to get me to sign the contract. He charged me to remove accurate verifiable information on my credit report and for a company tradeline with the expectation that my credit score had been improved. He never disclosed the Consumer Credit File Rights Under State and Federal Law.
The contract should be treated as void because it violates several Consumer Credit File Rights Under State and Federal Laws.
They were not supposed to provide service until 3 days after the contract was signed. I have a document stating the first round of disputes went out on XX/XX/XXXX.
While under contract they tried to deceive me with their client portal. It shows deleted accounts but, those things are actually still reporting on my credit report.
I was never provided with proof of work documentation. They are taking credit for accounts that were removed but, never sharing dispute confirmation numbers or dispute response letters.
Story of time with Top Flight Assistance I contacted Top Flight Assistance by phone call On XX/XX/2021, I spoke with a consultant named XXXX. He advised me, this is a credit repair company, their job is to review your credit report, look for inaccurate reporting and attack it with disputes. I gave him permission to review my credit report to see if they could help. My credit score was in the low to mid XXXX and I really wanted to improve it before next year. He reviewed my report and informed me he could help. When XXXX reviewed my credit report, he pointed out a few things that he felt were inaccurate. I asked him multiple times during our conversation. What If those accounts are accurate, are you still able to remove them? His response was yes.
He informed me there is a total of 60 negative items and the total quote was {$2900.00} or if I could pay {$1900.00} today, theyll discount {$1000.00}. I agreed to pay the {$1900.00} for their XXXX XXXX XXXX XXXX package. This was a VIP package that offered a company Tradeline once all my credit was fixed. They really sold me on their ability to remove accurate negative accounts and the tradeline. However before we sign the contract I told him, I must be honest. Im working with a company thats helping me pay off my debt, are you still able to help me? His tone changed ; it was almost like he wanted to say no but didnt. He asked me a few questions about the company. I answered them to the best of my knowledge then, he informed me that he would still be able to help and to cancel my services with them. I signed the contract and canceled my service with freedom debt relief the same day. I had been working with them for 6 months before calling XXXX.
I followed all the instructions that were asked of me during the setup process. Three months had gone by, and I notice no improvement. They made no attempts to communicate with me until I called and ask for an update. When I got in contact with someone, we reschedule an update call a few days later. On the call, I shared my frustration and concerns about no results. The consultant told me it may take a while to remove these items and that theyll send out another round of dispute letters soon. Thats pretty much how the conversation ended.
Around the same time as the first update call, I started receiving letters in the mail from some of the creditors whom I stop communicating with about payment options. Some of them stopped and others intensify their demands. In the same time frame, I started receiving court-ordered letters in the mail, informing me that my wages will be garnished. I immediately contacted the law firm XXXX XXXX XXXX XXXX ) who was representing the creditor ( XXXX XXXX XXXX ). I had two collection accounts with this company. The first account ended in XXXX with a balance of {$1100.00} the other ended in XXXX with a balance of {$1700.00}. I paid both accounts in full on XX/XX/2021. XXXX XXXX informed me theyll send out a request for both accounts to be removed from my credit report.
I was afraid of receiving another garnishment letter, so I paid off the other two creditors who were constantly contacting me by mail and phone. Those accounts were XXXX, and portfolio recovery. Both accounts were paid in full IRET on XX/XX/2021 and portfolio on XX/XX/2021. I was informed by both, theyll send out a request for these accounts to be removed from all three credit bureaus.
I had become more frustrated with this company after two more months. They couldnt remove anything and everything that had been deleted was because I paid the accounts in full. I contacted them again and they gave me the same strip as last time. To just be patient and theyll send out another round of letters. I asked them, how do I go about getting a refund. They informed me Id need to wait 365 days and that was the end of this conversation.
I reached out multiple times asking for an update and refund between XXXX and XX/XX/2021, because there was still no proof of work on their end. I was told the same thing. At that point, I completely lost hope in this company. I then decided to wait until it was time for my refund.
It was getting closer to the one year mark and still, nothing was removed but, the accounts that were paid. I contacted Top flight assistance again in XXXX to just request a refund, I was no longer interested in an update. I had been monitoring my own credit and knew nothing had changed. I explained my story to one of their consultants and she informed me that XXXX, shouldve never offered me service after I told him my debts were validated. She then informed me that XXXX notate in their system that Im requesting a refund. This really was really upsetting. I believe he know he couldnt help me out but still wanted my money.
I was finally able to get ahold of someone almost a month later after several attempts. They assigned a manager to my case and he was supposed to help me get the best refund. I explained my situation to him as well and he informed me that XXXX investigate everything and offer the most ideal refund. He didnt reach out until two weeks later and it was from his personal cell phone.
In this phone conversation, he informed me XXXX does not work for them anymore but, he didnt say anything misleading during our conversation. He then proceeded to explain the reason for each deleted item on my credit repair. He informed me that they were able to successfully dispute 5 of the 12 items that were removed. Those accounts were both XXXX XXXX, XXXX, XXXX, and XXXX. I then informed him those accounts were removed because I paid those balances in full. He then asked me to provide documentation from the creditors stating they would remove the account after the payment. I said okay but, dont you guys have the dispute response on your end. He said yes but, never offered to give me a copy. I was told before the phone call ended the most theyll be able to refund was {$400.00} and a company tradeline.
In a week I was able to gather enough information from the creditors, Credit bureaus and previous credit reports. All this information proves this company wasnt able to remove anything from my credit report. I then sent them all the information I had on my end, with a document stating the actual reason for removal based on the information gathered. I havent heard from them since.
I do not believe this company will reach out again and I honestly feel scammed. Im now looking for any help possible to get my refund. I recently read the Credit Repair Organization Act and Believe this Company violated several CROA public laws.
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| 07/10/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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This company led me to believe they cd remove all of my medical debt easily and quickly. They told me that if I paid upfront and in full the submission process is get their help, that my documents would be among the firsts to be sent out and would take priority above all other clients who were pay as they go. They stated that if in 60 days I was unhappy with the services, I was able to request a refund in full. The services they were providing ended up dropping my credit score as well as got my wages garnished. I received a notice for garnishment and was given the opportunity to dispute the item and I was advised that they could no longer dispute that as it was already in far augment stage. They said to send them the j formation on what I was sent and they would review it and get back to me on next steps/ it was a 14 day notice. Top flight my did not help me at all. Their document team did nothing. Told me to get a lawyer. I called another time someone said to me that they were actually still able to dispute that item that was in motion for garnishment, and they didnt know why someone would tell me different. They didnt remove the incorrect items on my report like they said they would, easy simple inaccuracies such as unknown addresses, and name misspellings. After the 60 days and I was still unhappy I attempted to ask for my refund. Thats when a women attempted to tell me that a garnishment was already in play before I began services with them. I was told that in order to get your refund, there could be no lapses with their credit reporting app subscription for a whole year, they said that during that year, there could be no new items added to your credit report, and no late payments made and reported. They then explained that they only had got to send out the first round of dispute letters and had a specific date as to each of dispute responses were due. They said then they would have to incorporate XXXX more rounds of dispute letters. They did get a few removed from my credit, but thats not what I was told would happen. They claimed that in XXXX months my medical debt would be removed and my score wd be between XXXX. In the client portal, it shows which letters were mailed to whom and when but it only has one round created and no additional accounts has ever been removed, we are still at only 10 accounts removed.. and they were accounts that werent having much effect on my report. When I would call back still unhappy ; still trying to get my refund, they would just tell me to have patience they are still waiting for the letters to be disputed and the process to be completed. Its been a year and they havent lived up to anything they promised in the consultation/ they did not perform the services I paid for upfront. I was supposed to receive quarterly over the phone updates on the progress and services that have been provided and never received those calls.
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| 06/28/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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I saw an advertisement on XXXX about this credit repair company claiming to fix your credit score and delete collections from your record. I called them and spoke to a person name XXXX, I explained to him my situation which is that i was looking to buy a house with my fiance soon but the only thing stopping us was my credit score. I also told him that I needed to move out my place within 90 days of the day I spoke to him which was on XX/XX/2021 and he then said, no problem they can fix my credit score within 60 days or so. I asked how much and he told me {$2800.00} dollars for the VIP service and that I will then receive a credit line that was already used for over 5 years and that will be my new credit score within the 90 days. I told him i could not afford to pay {$2800.00}, he put me on hold then told me he can do the same deal, " VIP service, credit fixed in less than 90 days with a credit line for {$1400.00} but only if i paid upfront. So i agreed, it all sounded very promising. I then proceeded to give him my card information, he took all my information down debited {$1400.00} from my card instantly but then they never answered my phone calls. I have received 2 messages from them ever since, asking me to upload and update my information and thats it. My credit score never improved XXXX single point, I have never been able to contact them, and I most definitely have not being able to even apply for a house with " the credit line '' they said I will get within 90 days. I feel so betrayed and fooled. They definitely need to give me my money back or they all need to go to jail. It is so sad to think they are doing this to many other people. I still see their ads on XXXX and XXXX but if I call them they never answer their phone and on their website they have a link to their email but if you write them they do not reply. I tried to get my money back through the bank but the bank said they couldn't do it because it had been longer than 90 days since I made the purchase of this service. They are getting away with my money and still on social media ads trying to get other people when they know XXXX well they do not fix anything or wont answer once you pay them. Please do something. Im so mad they took my money by deceiving me, they took advantage of my need and capitalized on it, I was vulnerable and they took my money furthering my chances of buying a house. I tried to contact them just now and their phone message says they are open monday through friday XXXX it is tuesday XXXX pm but no one is there to answer. Its a web of lies. This is fraud at its finest, scam XXXX taking advantage of people in need.
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| 08/21/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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I paid {$2400.00} to have them go in and assess my credit and they said give them 90 days and they would have my credit repaired or I would get my money back. Its now been 6 months and I cant even get a person on the phone. They send you to a chat page where I may or may not be talking to an actual person. I have said I want someone to contact me and they still have not had anyone call me. I just want my money back at this point and need help. The company is called Top Flight Assistance.
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| 08/26/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
Servicemember |
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On XX/XX/2022 I paid {$1000.00} to Top Flight Assistance for credit repair services. After months of no contact, the company is now unreachable by phone or email, and I have not received any of the agreed upon services as stated in service agreement contract. I have made several failed attempts at messages thru the companys app based client portal, which Ive since been locked out of, and attempted calls and texts to members of the staff who originally were tasked to handle my account.
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| 06/16/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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On Wednesday, XX/XX/2020 I signed up for a credit repair company named Top Flight Assistance for 2 years.They were supposed to help me fix my credit and every few months we were suppose to have telephone meeting to go over the proses. Eveytime we had a meeting scheduled I never received a call or updates. When I called they said they will schedule me in. I never saw any updates and they just took my money. I paid {$100.00} a month for 2 years and and {$200.00} to get stared.
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| 07/05/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
Servicemember |
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I paid {$1500.00} to Top Flight Assistance to help me with Credit repair services back i XX/XX/2021. Its been over 1 year now and this company has not delevered XXXX advertised. no one is responeding to my calls or emails. As a matter of fact it seems their customer service department perhaps the whole company is out of business.
I fasely advertise and sell tradelines and Authorized user accounts.
I want some sort of a refund for services not rendered and time wastered
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| 04/07/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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- Problem with customer service
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Web |
Servicemember |
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I have sent certified mail to Top Flight Assistance Customer Care XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX and I have been unsuccessful, I have called on several occasions, and I am put on hold, and each time the line drop the call. This company is a scam and they took my money and did not provide the service as promised. I am out of {$1500.00}. I am demanding my Money from thos company.
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| 09/12/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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- Confusing or misleading advertising or marketing
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Web |
Older American |
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False and misleading credit repair tactics, See video : XXXX XXXX XXXX XXXX Been a client for XXXX months. Paid the fees with no positive results. I was mislead by their sales dept on false information on how they will remove negative items on my credit report. I have made multiple attempts to reach customer service. They refuse to answer the phone and never call back.
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| 04/22/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Phone |
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