Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/20/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My credit actually got worse after using them. $2000 or more paid to these people plus paying off credit cards of about $5000. Credit went down. No communication at all. I've tried several times to reach my *** but got zero calls, emails, or texts. Now their response to this review will be (just all the other responses when someone is not happy) will be that I didn't do this or I didn't do that, whatever the excuse is. If you read the reviews, it's always the clients' fault that they didn't do their job, but I guess ****** learned on my part. NEVER EVER AGAIN. Let this be a warning to anyone thinking about using this company. My advice, save your money and pay off your debt as much as possible and let time heal your credit because they will do nothing. Now I'm curious how they'll spin this as my fault. Please read their response! Lol Read the wording..."if we was so bad" really? Nice grammar. I think you idiots have the wrong person. I started with them in 2023. I didn't even know they existed until then. Somehow, they think I have been with them since 2021. Shows how terrible they are. They dont even know when I signed up. I like to leave false reviews??? Ok, so prove it, I am giving you permission to put my results on here to show everyone what you did not accomplish. If you're so good then give a money back guarantee. No can't do that, too busy ripping people off! Keep this up, please! I will continue to write a bad review on every web site I can find. I'll continue forever if I have to. ********, Instagram, Better Business Bureau etc. Anything and everything, if it means you have to respond to reach and every one of them. As long as I can keep at least one person from being ripped off by this terrible company! Bring it

  Customer Answer

  Date: 02/18/2025

  My last communication was 4 months ago

  Business Response

  Date: 02/27/2025

  February 27, 2025
  
  
  
  
  
  Better Business Bureau
  ****************************************************************************
  
  RE: Complaint Response for Case ID: ********
  
  To Whom It May Concern:
  
  On Page 9 of the contract and during the onboarding call, the consumer is advised that removal of negative items may cause an initial drop in credit scores because of the removal of history. It takes approximately 60 days of positive recording of remaining items on credit report to see the increase in scores from the deletion of negative items.  This occurs because negative items carry a component of positive recording (e.g., age).
  
  *** was in constant communication with the consumer. Communication was executed in the form of a letter, e-mail, and or phone.  Also, the client received a monthly monitoring via an update or a monthly check to communicate ***s progress and progress on the clients responsibility during the credit restoration process.
  
  *** does not offer a money back guarantee because *** does not guarantee an improved credit rating or score.  Correcting information on a consumers credit report, sometimes, has a byproduct of an increased credit score or improved credit worthiness.  As stated in the consumer agreement, *** services focus on the deletion of incorrect, negative items on your credit history.  *** cannot guarantee a specific point increase in your credit score calculated and provided by the credit bureaus. However, *** offers a refund of unearned retainer.  The refund policy is stated on Page 6 of the contract that the consumer signed.
  
  If you have any questions, concerns, and or need additional information, please contact me at *******************************************************.
  
  Thank you in advance for your assistance with this matter.
  
  Yours in excellence,
  
  ***** *************************************** Officer

  See attachments

• Initial Complaint

  Date:06/21/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Trinity Enterprise LLC promised to get credit scores up to a good enough score to buy a home.They have not helped at all, they never pick up the phone, they say people are on vacation, they are leaving for the day, they asked to get into IDENTITY IQ pay a monthly fee and then after 2 months they claim I was supposed to get in a different plan and provide them the next large payment before anything could be done. they are thief's and lie to customers to lure them into trusting them to provide confidential information to include PICTURE ID's and SS CARDS and log in to bank accounts.

  Business Response

  Date: 06/24/2024

  To Whom It May Concern:
  
  Trinity Enterprises LLC (***) is in receipt of the complaint filed by the consumer on June 22, 2024.
  
  Credit Score
  
  *** does not guarantee an improved credit rating or score.  Correcting information on a consumers credit report, sometimes, has a byproduct of an increased credit score or improved credit worthiness.  As stated in the consumer agreement, *** services focus on the deletion of incorrect, negative items on your credit history.  *** cannot guarantee a specific point increase in your credit score calculated and provided by the credit bureaus.
  
  Proof of Service
  
  Per the contract, the client has not provided an active credit monitoring account for *** to verify work completed.  As advised in the *** contract, *** has explained the importance and requirement of registering with the credit monitoring service provider suggested by Trinity Enterprises, LLC based on your credit needs at the 3045-day ***** This is to check the status of your progress with the bureaus and to continue monitoring your credit every 30 days.Moreover, you understand that the monthly monitoring fee may range from $21.99 to $39.99 and is paid directly to the credit monitoring service provider to track the success of the services provided by Trinity Enterprises, LLC.
  
  The consumer requested to cancel on June 21, 2024.  To facilitate the reconciliation of the consumers escrow account, *** needs active credit monitoring.  The consumer refused to provide active credit monitoring.  *** has communicated to the client on June 22, 2024, that *** acknowledges the miscommunication of the appropriate IdentityIQ subscription, and *** offered to pay for the extra month (i.e., credit report), so that *** can reconcile the consumer account to determine if any refund is due.
  
  Communication
  
  The consumers contract started on May 2, 2024.  On June 4, 2024, the consumer received her first monthly check from ***.  On June 17, 2024, the consumer spoke with a *** representative and changed her payment plan.  On June 18, 2024, the consumer was sent notice about the IdentityIQ subscription. The consumer responded to the notice with concerns related to the cost of the subscription.  A *** representative responded to clarify that the most expensive subscription is not required.  The consumer was provided with ***s discounted pricing for IdentityIQ.  The consumer registered for the $19.99 monthly plan; the most expensive plan is $29.99 monthly.  The *** rate is $21.99 monthly.  The client did not want to enroll in the plan necessary to complete work and requested to cancel *** services.
  
  Collection of Retainer
  
  Florida Statue ******** allows for credit repair organizations (***) to collect a fee in advance if the *** obtains a surety bond and maintains a trust (escrow) account.  *** maintains an active surety bond and trust (escrow) account and is compliant with this requirement.  Hence, *** has legally obtained a retainer in advance of its services.
  
  As stated in the contract, *** Services are on a retainer basis, and Trinity Enterprises, LLC collects payment against retainer deposit after each service is rendered (i.e.: initial consultation,plan development, processing, postage, etc.).
  
  Full Transparency
  
  *** does not lure consumers to steal identities.  Personal identifiable information is collected from consumers to provide services because *** is acting on behalf of the consumer.  The consumer agreements states, you ***** a limited ***** of ********* to Trinity Enterprises, LLC for the following: Request credit reports on my behalf,challenge and verify various information points on my credit report(s), and contact and confer with creditors on my behalf, as needed.  Hence, to function as a POA, proof of identity from the consumer is required.
  
  Bank Accounts
  
  *** does not request, use, nor login into the bank accounts of consumers for credit restoration services.
  
  Resolution
  
  To resolve this matter, *** will pay for the monitoring to retrieve the current credit report to reconcile the results from the consumers action plan against the consumers escrow account to determine remaining retainer funds available for refund.  After determining the amount of remaining retainer funds, a refund can be issued accordingly.
  
  Special Note
  
  The consumer requested a refund of $1,300.00.  The consumers escrow account was funded with $1,150.00, not $1,300.00.

  Customer Answer

  Date: 06/24/2024

   
  Complaint: 21886025
  
  I am rejecting this response because:
  
  they advised that credit score would increase and I am not the first they do that too. No one refused to do anything I followed every step they gave me and ****** keep asking for money and more information and yes indeed I payed 1150 and an additional 150 for my spouse in which nothing happened their either 
  

  ****** advised the plan I got was correct and I sent her screenshots but since they were to concentrated on collecting now they want to play by the books when they should have done that before 

   

  this business has done this to other customers they guaranteed I could run my ********************** on the ************************************************************* and say I had to wait cause they wanted more money and on top of that sent there cash app and zelle information instead 

   

  they are a shady company and now I am scared they will steal my identity and sell out because they asked for a lot of personal information 

   

  I want a full refund they did nothing I did everything and everytime we tried to contact them no answer/they were busy/ they are gone for the day/ they have a lot of customers on hold they had like more exits than the highway excuse after excuse 

   

  i expect my full refund and a guarantee that they will not release or do anything shady with my personal information 

  Sincerely,
  
  *****************************

  Business Response

  Date: 06/25/2024

  To Whom It May Concern:
  
  Trinity Enterprises LLC (***) is in receipt of the complaint filed by the consumer on June 22, 2024.
  
  Credit Score
  
  Again,*** does not guarantee an improved credit rating or score.  Correcting information on a consumers credit report, sometimes, has a byproduct of an increased credit score or improved credit worthiness.  As stated in the consumer agreement, *** services focus on the deletion of incorrect, negative items on your credit history.  *** cannot guarantee a specific point increase in your credit score calculated and provided by the credit bureaus.
  
  Proof of Service
  
  Again, per the contract, the client has not provided an active credit monitoring account for *** to verify work completed.  As advised in the *** contract, *** has explained the importance and requirement of registering with the credit monitoring service provider suggested by Trinity Enterprises, LLC based on your credit needs at the 3045-day ***** This is to check the status of your progress with the bureaus and to continue monitoring your credit every 30 days. Moreover, you understand that the monthly monitoring fee may range from $21.99 to $39.99 and is paid directly to the credit monitoring service provider to track the success of the services provided by Trinity Enterprises,LLC.
  
  Based on the agreed upon plan, the consumers file was worked on May 13, 2024, to challenge the inaccurate, negative information on the clients credit reports with Equifax, Experian, and TransUnion.  On June 4, 2024, via e-mail, the client was provided a monthly check. To determine work achieved, *** needs access to a current credit report or credit monitoring as delineated in the contract.  If the client provides access, *** will determine work achieved and refund unearned retainer as delineated in the contract.
  
  Spouse
  
  Each consumers file is handled individually.  If the spouse wants a refund, he or she needs to complete the cancelation process to request a refund.
  
  Credit Reports and Hard Inquiries
  
  *** does not advise when to pull a hard inquiry.  *** makes recommendations about the agreed upon plan to support consumers in achieving their credit and purchasing goals.
  
  Communication
  
  Again, the consumers contract started on May 2, 2024.  On June 4, 2024,the consumer received her first monthly check from ***.  On June 17, 2024, the consumer spoke with a *** representative and changed her payment plan.  On June 18, 2024, the consumer was sent notice about the IdentityIQ subscription. The consumer responded to the notice with concerns related to the cost of the subscription.  A *** representative responded to clarify that the most expensive subscription is not required.  The consumer was provided with ***s discounted pricing for IdentityIQ.  The consumer registered for the $19.99 monthly plan; the most expensive plan is $29.99 monthly.  The *** rate is $21.99 monthly.  The client did not want to enroll in the plan necessary to complete work and requested to cancel *** services.
  
  Full Transparency
  
  Again, *** does steal identities.  Personal identifiable information is collected from consumers to provide services because *** is acting on behalf of the consumer.  The consumer agreements states, you ***** a limited ***** of ********* to Trinity Enterprises, LLC for the following: Request credit reports on my behalf,challenge and verify various information points on my credit report(s), and contact and confer with creditors on my behalf, as needed.  Hence, to function as a POA, proof of identity from the consumer is required.
  
  Refund
  
  *** has tried several times to process a refund in accordance with the contract.  The client refuses to provide the requested information.  *** has offered to cover the costs of getting the information, and the client refuses.
  
  Personal Identifiable Information
  
  *** does not share personal identifiable information with any third parties without the written authorization of the consumer.
  
  Resolution
  
  Again, to resolve this matter, *** will pay for the monitoring to retrieve the current credit report to reconcile the results from the consumers action plan against the consumers escrow account to determine remaining retainer funds available for refund.  After determining the amount of remaining retainer funds, a refund can be issued accordingly.

  Customer Answer

  Date: 06/27/2024

   
  Complaint: 21886025
  
  I am rejecting this response because:
    They have tried to bribe me sending text an emails from different numbers and have asked me to remove the complaint in order to speak to me so they are lying again wow and they talk about religion on all their contracts and text so no and I do expect a full refund as this is fraud and you did nothing and yes I have text message to use in civil court if possible and placing you all on social media that is why you are not an accredited business with BBB because your not trustworthy 

   

  my spouse paid 150 

   

  I paid a total of $1,150 and I expect all my money back you did nothing technically you did something shady and probably have a black web as you mentioned I hate liars and thieves and now I am afraid you might use my identity for illegal purposes I suggest you all have the the decency to return all my money since you all did no legal thing for me only illegal and I will leave you all alone and let his take care of you all does not matter how professional you want to look or sound the fact is you take peoples money and do nothing for them. And you all hartas customers on phone when trying to take there money like me then after you all blame the customer and you all dont answer calls, emails or even texts if its not to ask for money so please return my hard earned money. Life is to short to play with peoples mind and blaming others for you bad actions so assume responsibility for the disaster you caused and save your self the trouble of tuning your reputation even more there are others that have reported you

  And also stop asking for Cash App and Zelle transfers 

   

  Please Return my money to my mailing address given to you already multiple times before stop giving me the run around god and you all know you will not win this you know what you did so pay it back

   

  PO BOX 961793

  *******, ***** 79996

  ****** knows I have all the text she sent me and confirming all was good but then after April she really stopped responding until she requested more money 

   

  Sincerely,
  
  *****************************

• Initial Complaint

  Date:01/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Since I became a customer with **********************. whom is a credit repair agency. I am not satisfied with their service. - Removing ANCHIENT late payments from 1 credit report every 90 days was not in the original plan for removing negative items. - In the initial consultation with Trinity the goal here was to remove student loans, a late payment in March for Santander, a Late payment in April for Loancare, and removing United Wholesale mortgage, ***************, etc. Has any letters gone out on my behalf to these furnisher's? - I had to check in with Trinity to find out what was going on with my case, all I got was "call us back" either someone was on vacation, or someone was ready to get off work and could not give me an update because she didn't have enough time in the day for a paid in full client (me).- Then when I get an update regarding any deletions from my credit reports, the update does not make sense and is not clear what work the company did. From looking at the reports I figured it looks like these are Ancient OLD late payments from 2019 - 2021 and were deleted from 1 credit reporting agency each. No creditor cares about those old lates if they were to pull my report today. - I feel like I am being harassed by Trinity saying "I had a collections account added" from a hospital bill that has been recently added to my credit report last week December 2023. Nobody can control a collections appearing on their account if they do not know about the bill even being sent to collections by the original creditor. Besides Trinity was in possession of cleaning my credit since September 2023.- Now Trinity is arguing and threatening the consumer (me) about defending itself because I demand a full refund of just my $800 investment to Trinity Enterprise Solutions. This is causing me mental anguish and is a violation of my consumer rights as an unsatisfied customer I have a right to remedy. A representative from Trinity: "I dont want you going to outside sources for complaints. We have your beginning report and 2 Myfico.com reports showing clear removal of negative late payments on accounts. In our contract you release that if you take a complaint to outside sources. We will defend ourselves and explain that you credit is affected by new negatives and the inquires and new accounts effecting your DTI.. (This defense often will cause us to receive business from America judging your complaint and our response showing new collections and late payments deleted.)"- Trinity has also violated my privacy rights by adding in another outside person to emails without my consent. I replied to them in an email "No disrespect to whoever you have cc'd on this email, however not everybody needs to know my business with Trinity (outside entities) and this should be kept confidential Especially from anyone whom I have not signed a contract with in regards to credit repair".

  Business Response

  Date: 01/31/2024

  Response to Consumer Complaint
  Complaint ID No. ********
  
  Background
  
  On September 11, 2023, the consumer contact** Trinity Enterprises, LLC (***) via e-mail to inquire about ***s credit restoration services relat** to late payments being report** on her credit report.  The consumer indicat** that her broker communicat** in order to qualify [,] I ne** to have a late payment remov**.
  
  Consumer Agreement
  
  On September 14, 2023, the consumer sign** the *** consumer agreement for traditional credit restoration services for a contract period of September 21, 2023-March 20, ****.  ***s traditional credit restoration services challenge the accuracy of lates being report** on a consumers credit report.  *** does not guarantee an improv** credit rating or score.  Correcting information on a consumers credit report, sometimes, has a byproduct of an increas** credit score or improv** credit worthiness.  As stat** in the consumer agreement, *** services focus on the deletion of incorrect, negative items on your credit history.  *** cannot guarantee a specific point increase in your credit score calculat** and provid** by the credit bureaus.
  
  Services
  
  On September 25, 2023, correspondence was sent to the three credit reporting agencies (CRAs) on behalf of the consumer to challenge the negative items agre** upon in the consumers scope of work.  During onboarding, it is communicat** to clients that the initial turnaround time after contacting the CRAs is approximately ***** business days because the CRAs are allow**, by law, 30 days to respond after receipt of a correspondence.
  
  On October 11, 2023, the consumer call** *** for an update.  The client services representative remind** the consumer of the ***** business-day turnaround and inform** the consumer that an update will be available approximately October 30, 2023.
  
  On November 1, 2023, the consumers first update was provid** via e-mail, and a voice message was left because the consumer did not answer the phone, so *** could have provid** a verbal update to complement the electronic update.
  
  Cancelation and Refund Request
  
  On December 18, 2023, *** process** the consumers request to cancel services.  When a consumer requests to cancel services, his or her account is reconcil** to determine retainer earn**.  *** operates on a retainer basis.  *** collects payment against retainer deposit after each service is render**.  After reconciliation, unearn** retainer is refund**.  Bas** on this consumers agreement with ***, after reconciliation, *** earn** the full retainer.  Per the agreement sign** on September 14,2023, *** earn** the retainer as follows:
  
  $050.00: Plan and Development
  $050.00: Account Setup and Premium Credit ********* Services ($200 was waiv**)
  $050.00: Materials Costs for 3 Months (one month waiv**)
  $050.00: Monthly Maintenance for 3 Months (one month was waiv**)
  $050.00: Early Termination Fee
  $500.00: Experian: Deletion of 10 Late Payments
  $150.00: TransUnion: Deletion of 3 Late Payments
  
  Retainer Earn**: $900.00
  
  The consumer paid $850.00 in retainer, and *** complet** $900.00 in services.  In the consumer agreements sign** on September 14, 2023, the refund policy reads as follows: You agree that you are *********** a refund of some or all of your money if, after remaining a client in good standing with Trinity Enterprises, LLC or 6 months the term Difference in the following equation is a positive number: Total RETAINER paid to Trinity Enterprises, LLC minus the service fees and credit restoration yield** (i.e., number of items correct** and or delet** per credit bureau x $50) = difference.  If the term Difference is a positive number, this number is the amount you will receive as a refund of the retainer. If the term Difference is a negative number, no refund will be issu** (you have receiv** services greater than what you have paid for).  In this case, the consumer receiv** services greater than what the consumer paid in retainer.
  
  Respective to the consumers concern about which late payments were remov**, *** does not guarantee which negative item, in this case, late payments, will be remov** or updat**.
  
  Consumer Concern: Harassment and Threatening Behavior
  
  Moreover, *** denies any claims of harassment.  As a part of ***s services, new negatives items that appear on a consumers credit report are communicat** to the client while receiving services.  In addition, *** denies any claims of threatening behavior. *** agrees that the consumer has a right to a rem**y.  ***s rem**y process is delineat** in the consumer agreement under the dispute resolution, release of information, and m**iate clause.
  
  Consumer Concern: Privacy Rights
  
  Typically, consumers are in the process of making a purchase when they contact ***.  Generally,consumers are referr** to *** by the consumers loan officers, realtors, brokers,etc.  In this case, the consumer was referr** by the representative from the mortgage company.  As delineat** in the consumer agreement, *** includes the referring source in communications unless instruct** otherwise.  Keeping all parties inform** during the credit restoration process is a service strategy us** by *** that sets *** a part from other credit restoration companies. The consumer agreement reads as follows: By signing this consumer application, the consumer gives *** the authority to share information with lenders, realtors, and other third-party entities and correspond (e.g., via e-mail, facsimile, phone, or written letter) with mortgage brokers and the referring source as *** deems necessary to provide credit restoration services.  Hence, *** did not violate the consumers privacy rights.  The person cc-** was a representative from the referring mortgage company.
  
  Consumers Behavior
  
  The consumer appli** for several new accounts while receiving services from ***, which add** inquiries.  Although the consumer may not control when a new collection is post**, the consumer is notifi** by the debt collector about the attempt to collect the debt before the debt is post** to the consumers credit report.  The *** consumer agreement requires clients to provide *** with all correspondence receiv** from the credit bureau or creditors, so *** can provide services.  The consumer did not provide *** with correspondence from the debt collector relat** to the new collection add**.  In addition, the consumer maintain** high balances on her revolving accounts.  New inquiries, new collections, and high balances have a negative impact on credit scores.
  
  Conclusion
  
  As demonstrat** above, the consumers complaint is baseless and is an attempt to defame *** because of the consumers behavior.  The consumer did not experience the credit restoration journey she desir** because her credit scores dropp** because of her behavior.  In addition, *** provid** services per the consumer agreement sign** on September 14, 2023.  Last, the consumer acknowl**g** in the consumer agreement that *** will provide services for a six-month period starting on September 21, 2023, and ending on March 20, ****.  The consumer did not afford *** the opportunity to provide services as describ**. The consumer cancel** on December 18, 2023.  *** had until March 20, ****, to complete services.

  Customer Answer

  Date: 02/03/2024

   
  Complaint: 21145064
  
  I am rejecting this response because: 

  Consumer Agreement Section Response - This complaint is clearly not about a credit score this dispute is regarding the poor performance on repairing my credit as it pertains to my credit plan. The credit plan does not mention repairing a credit score, however, it instead speaks of Removing Late Payments, Collections, and student loans. The only late payments that were removed were the ones from 2019, and 2020 in which does not help in repairing my credit.

  Services Section Response:  I also contacted Trinity on November 30th 2023, and asked for an update as mentioned this update had very old late payments removed from 2019, 2020, and 2021 in which does not help me in repairing my credit. Creditors do not care about OLD late payments. 

  Collection & Refund Request Response: Trinity required $850 up front fees. I paid these fees in two payments $350 up front, then $500 on October 12, 2023. Per the ******** Credit Services Businesses Act in which it states that No up-Front Fees: Under the Act, a *** may not charge or receive any money or other valuable consideration prior to full and complete performance of the services that the *** has agreed to preform on your behalf. 

  It clearly shows my consumer rights have been violated under this Act. Anyone violating the Act may be subject to significant administrative, civil and criminal penalties,including fines up to $5,000 or imprisonment up to 3 years, or both, plus possible additional civil penalties.

  Trinity said: "The consumer paid $850.00 in retainer, and TEP completed $900.00 in services.  In the consumer agreements signed on September 14, 2023, the refund policy reads as follows: You agree that you are *********** a refund of some or all of your money if, after remaining a client in good standing with Trinity Enterprises, LLC or 6 months the term Difference in the following equation is a positive number: Total RETAINER paid to Trinity Enterprises, LLC minus the service fees and credit restoration yielded (i.e., number of items corrected and or deleted per credit bureau x $50) = difference.  If the term Difference is a positive number, this number is the amount you will receive as a refund of the retainer. If the term Difference is a negative number, no refund will be issued (you have received services greater than what you have paid for).  In this case, the consumer received services greater than what the consumer paid in retainer."
  

  My response: The retainer mentioned in the initial Trinity Enterprises LLC response the only results I received In the Attached document titled "November 2023 Monthly Update for ******** Singleton_Trinity" shows 1 deletion from Experian, 2 deletions from Transunion, None from Equifax is what services I received by December 12, 2023. This does not constitute I have received services greater than what I have paid for and this is very unsatisfactory service and pathetic service and is where I request my $850 full refund along with the poor customer service I received in which I will address next.

  Consumer Concern: Privacy Rights Response:

  - Now Trinity is arguing and threatening the consumer (me) about defending itself because I demand a full refund of just my $850 investment. This is causing me mental anguish and is a violation of my consumer rights.
  
  "I dont want you going to outside sources for complaints. We have your beginning report and 2 Myfico.com reports showing clear removal of negative late payments on accounts. In our contract you release that if you take a complaint to outside sources. We will defend ourselves and explain that you credit is affected by new negatives and the inquires and new accounts effecting your DTI.. (This defense often will cause us to receive business from ******* judging your complaint and our response showing new collections and late payments deleted.)"

  NEXT:

  TEP mentions that they did not violate the consumer's privacy rights. I did not see any clause highlighted that states "By signing this consumer application, the consumer gives TEP the authority to share information with lenders, realtors, and other third-party entities and correspond (e.g., via email, facemile, phone, or written letter) with mortgage brokers and the referring source as TEP deems necessary to provide credit restoration services."
  

  As per ******** Law - The Personal Information Protection Act (PIPA), **.Code ***. Comm. Law 14-3504, was enacted to make sure that ******** consumers' personal identifying information is reasonably protected, and if it is compromised, they are notified so that they can take steps to protect themselves. 

  Components of the Statute
  PIPA defines personal information"as:
  An individual's first and last name in combination with:
  A Social Security number, an Individual Taxpayer Identification number, a passport number, or other identification number issued by the federal government;
  A driver's license number or state identification card number;
  An account number, a credit card number, or a debit card number, in combination with any required security code, access code, or password, that permits access to an individual's financial account;
  Health information, including information about an individual's mental health;
  A health insurance policy or certificate number or health insurance subscriber identification number, in combination with a unique identifier used by an insurer or an employer that is self-insured, that permits access to an individual's health information; or
  Biometric data of an individual generated by automatic measurements of an individual's biological characteristics such as a fingerprint, voice print, genetic print, retina or iris image, or other unique biological characteristic, that can be used to uniquely authenticate the individual's identity when the individual accesses a system or account
  Or
  User name or email address in combination with a password or security question and answer that permits access to an individual's email account.

  Consumer's Behavior:

  There are no inquiries on my credit report. And if there were that is not apart of a contract null and void per our signed contract. Also, I did not notice any collection on my credit report and was never contacted by any debt collector regarding any collections. This assumption is invalid. 

  Conclusion:

  ******** Credit Services Act - states that Under the Act, a *** may not charge or receive any money or other valuable consideration prior to full and complete performance of the services that the *** has agreed to perform on your behalf. Trinity Enterprises LLC has charged me, the consumer, ** front fees in the amount of $850 split into two payments. Services were paid in full prior to me (the consumer) receiving full and complete performance of services from Trinity Enterprises LLC. 

  I was not informed and did not give consent to share my personal information to a 3rd party as per the Personal Information Protection Act (PIPA), Md. Code ***. Comm. Law 14-3504. My consumer rights were violated.

  - In the initial consultation with Trinity the goal here was to remove student loans, a late payment in March for Santander, a Late payment in April for Loancare, and removing United Wholesale mortgage, ***************, etc. Has any letters gone out on my behalf to these furnisher's?  
  - I had to check in with Trinity to find out what was going on with my case, all I got was "call us back" either someone was on vacation, or someone was ready to get off work and could not give me an update because she didn't have enough time in the day for a paid in full client (me).
  - Then when I get an update the update does not make sense, now that i figured it out it looks like these are Ancient OLD late payments from 2019 - 2021 and were deleted from 1 credit reporting agency each. No creditor cares about those old lates if they were to pull my report today. 
  - I feel like I am being harassed by Trinity saying "I had a collections account added" from a hospital bill that has been recently added to my credit report last week. I, you, or nobody can control a collections appearing on their account if they do not know about the bill even being sent to collections by the original creditor. 
  - Now Trinity is arguing and threatening the consumer (me) about defending itself because I demand a full refund of just my $800 investment. This is causing me mental anguish and is a violation of my consumer rights.
  

  
  Sincerely,
  

  
  ***********************************

  Business Response

  Date: 04/02/2024

  Response to Consumer Rebuttal
  Complaint ID No. ********
  
  Deletions are not Guaranteed
  
  Again, the consumer has unrealistic expectations. During onboarding (verbally) and in the consumer agreement (written),the consumer was informed that *** does not guarantee an improved credit rating or score. Correcting information on a consumers credit report, sometimes, has a byproduct of an increased credit score or improved credit worthiness.  As stated in the consumer agreement, *** services focus on the deletion of incorrect, negative items on your credit history.  *** cannot guarantee a specific point increase in your credit score calculated and provided by the credit bureaus.  *** does not guarantee deletions nor a certain item will be deleted. This is why *** works on a retainer basis.  Unearned retainer is refunded to clients.
  
  In addition, the consumer agreed to the refund policy as delineated in the consumer agreement. The refund policy states, You agree that you are *********** a refund of some or all of your money if, after remaining a client in good standingwith Trinity Enterprises, LLC or 6 months the term Difference in the following equation is a positive number: Total RETAINER paid to Trinity Enterprises, LLC minus the service fees and credit restoration yielded (i.e.,number of items corrected and or deleted per credit bureau x $50) = difference.If the term Difference is a positive number, this number is the amount you will receive as a refund of the retainer. If the term Difference is a negative number, no refund will be issued (you have received services greater than what you have paid for).
  
  Again, *** does not guarantee nor control the items that will be deleted.  This is controlled by the credit reporting agencies. Removal of any inaccurate, negative items from a consumers credit report has a positive impact.
  
  Collection of Retainer Funds
  
  As stated in the consumer agreement, Services are on a retainer basis, and Trinity Enterprises, LLC collects payment against retainer deposit after each service is rendered (i.e.: initial consultation,plan development, processing, postage, etc.).
  
  *** does not require or collect an up front fee. *** collects a retainer and deposits the funds into a non-interest-bearing escrow account.  ***** services are performed in accordance with the fee schedule in the consumer agreement, the consumers escrow funds are debited (charged).  *** is a ******* for profit organization with corporate offices located in ******* and the work is performed in *******.  As delineated in the consumer agreement, the agreement is governed by and construed in accordance with the law of the ****************.  ******* Statue ******** allows for credit repair organizations (***) to collect a fee in advance if the *** obtains a surety bond and maintains a trust (escrow) account.  *** maintains an active surety bond and trust (escrow) account and is compliant with this requirement.  Hence, *** legally obtained a retainer in advance of services.  Therefore, the consumers rights have not been violated.
  
  Retainer Reconciliation
  
  Because the initial complaint referenced the November 2023 update, a new retainer reconciliation was completed to reference the last update, which was December 2023.  For this reconciliation, the account setup and premium credit education series fees were waived (see attached).  The adjusted earned retainer is $850.00.  The consumer paid $850.00, so a refund is not due.
  
  Privacy
  
  Again, the consumers privacy rights were not violated. The consumer signed the consumer agreement that states, By signing this consumer application, the consumer gives *** the authority to share information with lenders, realtors, and other third party entities and correspond (e.g.,via e-mail, facsimile, phone, or written letter) with mortgage brokers and the referring source as *** deems necessary to provide credit restoration services.
  
  Moreover, by signing this consumer application, the consumer gives Trinity Enterprises, LLC (***) the authority to share the results and successes of services provided by *** to mortgage brokers, referring source, lenders, and other third party entities that *** deems necessary in providing services.
  
  In addition, the consumer agreement, which the consumer signed, states that, The consumers understands that if he or she has a complaint with *** and files a complaint with a third party
  (e.g., media,Better Business Bureau, financial institutions, etc.), the consumer gives *** permission to communicatein writing, verbal, etc.with the third party regarding any information in the consumer file with ***. This clause serves as a general release of information of the consumers information upon contact initiated by the third party on the consumers behalf.
  
  Last, *** did not share personal identifiable information that violates privacy, nor did *** share information that was not authorized.
  
  Inquiries
  
  Per the consumers credit report pulled on December 18, 2023, from the credit monitoring service provided by the consumer, there is one inquiry on Experian and two inquiries on TransUnion.
  
  Contact with Consumer
  
  A review of the consumer account indicates that more than six contacts were made via a combination of phone and e-mail.
  
  Conclusion
  
  In conclusion, the *** followed the consumer agreement signed by the consumer.  *** can legally collect a retainer in advance of services based on ******* law.  *** did not violate the consumers privacy rights.

• Initial Complaint

  Date:01/25/2023

  Type:Billing Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was lied to the beginning of sale of service I was promised that my bankruptcies would be removed by sales associate **** she promised these things. However the company has been unable to remove the bankruptcies from my credit profile even though I was promised it could be done and would be done. I feel like I was lied to and we're too sign up for the services this was a 12 month process that also included me paying for a credit monitoring service on top of the fee associated with the credit repair service.

  Business Response

  Date: 01/25/2023

  To Whom It May ********************************* style="font-size: 0.875rem;">A review of the client's file was completed.  The client's file included a scope of work for 24 negative items.  At the conclusion of the contract period, 15 of the negative items were determined to be inaccurate or unverifiable and were deleted from the client's credit report as of November 15, 2022.  Hence, Trinity Enterprises, LLC (TEP) achieved 63% of the scope of work.  Per the consumer agreement signed by the client, TEP earns 80% of available retainer.  The client will be refunded $407.00, which is the unearned retainer.

   

  TEP does not guarantee an improved credit rating or score.  Correcting information on a consumers credit report, sometimes, has a byproduct of an increased credit score or improved credit worthiness.  As stated on Page 4 of the consumer agreement, TEP services focus on the deletion of incorrect,negative items on your credit history. TEP cannot guarantee a specific point increase in your credit score calculated and provided by the credit bureaus.

  
  
  In addition, TEP does not guarantee an item will be removed.  TEP targets negative items on the consumers credit report to determine accuracy and any inaccurate or unverified item may be deleted as allowed by law.

  
  
  Removal of negative items may cause an initial drop in credit scores because of the removal of history.  It takes approximately 60 days of positive recording of remaining items on credit report to see the increase in scores from the deletion of negative items.

   

  Attached, please find a detailed report to support the summary response referenced above.

   

  Best regards,

  TEP Management